Coverage
Drivers get hurt. The question is whether the coverage behind them is workers compensation, occupational accident, or nothing, and whether that matches how your drivers are classified.
Workers compensation is state-regulated coverage for employees, with benefits set by statute. Occupational accident is a private policy, typically used for independent contractors, that pays defined benefits up to chosen limits. They are not interchangeable, and using one where the law expects the other is a serious gap.
Classification is the first thing I check on intake. Some states look through a 1099 label to how the work actually operates. Getting this right before a claim is far cheaper than after.
Questions
Workers compensation is state-regulated coverage for employees with statutory benefits set by law. Occupational accident is a private policy, usually for independent contractors, that pays defined benefits up to stated limits. Occupational accident is not workers compensation and does not satisfy a workers comp requirement.
It depends on your state and how the relationship actually operates, not just what the contract says. Some states look through the 1099 label. This is a classification question worth getting right before a claim tests it, and it is one of the first things I check on intake.
Typical policies pay accidental death and dismemberment, accident medical expenses, and disability income benefits, each up to defined limits. Because benefits are capped rather than statutory, the limits you choose matter more than they do in workers comp.
Related coverage
The full program in one placement.
Contract-correct coverage for delivery service partners.
ISP program coverage, built to spec.
Commercial coverage for cargo and sprinter vans.
Straight-truck coverage across California.
For same-day, medical, and parcel couriers.
The intake takes about five minutes. I quote against your actual vehicle and driver list, not a generic profile.
TISKIY