Non-Occupational Accident Insurance

Non-Occupational Accident Insurance for Inland Marine Risks

Supporting the safety and well-being of the independent contractor workforce is essential in today’s commercial trucking environment. That’s why IAT Insurance Group offers industry-leading Non-Occupational Accident coverage designed specifically for owner-operators. Written on TransGuard Insurance Company of America paper, this coverage provides valuable protection for accidents that happen off the job – helping independent contractors stay healthy, protected and ready to work.

Superior Protection for Off-the-Job Injuries

While Occupational Accident coverage supports owner-operators during work-related incidents, Non-Occupational Accident coverage extends protection to certain injuries that occur outside the scope of their work duties. This includes coverage for conditions such as hernias and hemorrhoids, offering meaningful benefits that many standard policies overlook.

With this enhanced level of protection, motor carriers can support their owner-operator partners by ensuring they have access to care if an unexpected accident occurs during personal time.

Comprehensive Plan Benefits

Our Non-Occupational Accident coverage provides essential financial support through clearly defined benefits, including:

Medical Benefit: $25,000 limit
Temporary Total Disability (TTD): Matches the TTD rate of the chosen Occupational Accident plan
Accidental Death & Dismemberment (AD&D): $25,000 benefit

For additional peace of mind, optional endorsements are available to extend coverage to include pre-existing conditions, degenerative diseases, and cumulative trauma, with a $10,000 limit.

Tailored for Independent Contractors and Owner-Operators

This coverage is an ideal fit for motor carriers working with owner-operators, offering a cost-effective way to support their health and financial resilience. By bridging a key protection gap, Non-Occupational Accident coverage helps reduce downtime, minimize disruptions and foster stronger contractor relationships.

Partner with IAT Insurance Group

Partnering with IAT Insurance Group gives owner-operators superior Non-Occupational Accident coverage, delivering financial protection for accidents that occur off the job. Our team brings deep experience in transportation insurance to ensure independent contractors receive meaningful benefits while maintaining operational continuity. All coverages are offered exclusively through the National Association of Independent Truckers (NAIT), with insurance underwritten on TransGuard Insurance Company of America paper.

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Frequently Asked Questions

Non-Occupational Accident coverage helps protect owner-operators if they’re injured off the job. It provides medical, disability, and accidental death benefits for certain non-work-related injuries – like hernias and hemorrhoids – helping reduce financial strain, limit downtime, and support a faster return to work.

NAIT provides exclusive benefits designed for independent contractors, including access to personal insurance options (major medical, dental, and vision), business services such as tax support, and additional resources. Visit www.naitusa.com to learn more.

You can request a quote by contacting a local insurance broker and asking about IAT TransGuard’s Independent Contractor Program. Appointed brokers should reach out to their IAT Underwriter to confirm appetite and pricing. With a complete submission, IAT TransGuard offers a 48-hour quote turnaround.

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