If you’re an Owner Operator, are you covered if you slip and fall?

This morning, I received a call from an client that is a new owner-operator.  He fell on the ice at the shipper and hurt his shoulder.  The expense for his injury will probably be covered by the shipper’s liability insurance but what it it wasn’t?  What if the injury had happened in his driveway?  One of the things that many owner-operators seems to forget is that they are responsible for their own workplace accident insurance.  A driver that runs for another company is covered by the company’s worker’s compensation policy.  As an owner-operator, you need to get your own coverage. We don’t sell insurance (we leave it to the experts), but if you aren’t going to get full worker’s comp becuase of the cost, at least consider an occupational accident policy.  Occupational accident insurance offers many of the same coverages as worker’s comp but at a lower cost.  There are differences and your insurance agent should be able to explain them better than me but please go see them before you become the next tragic story. If you need a truck insurance agent, email me at [email protected] and I’ll connect you with one. Mike