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Occupational Accident Coverage

5Star Specialty Programs offers extensive expertise in Truckers/Courier Occupational Accident Insurance. Offered through A.M. Best A rated carriers, this program covers eligible on the job accidents that owner-operators or contract drivers may sustain. Backed by 20 years of experience writing trucking risks, we offer unparalleled expertise writing transportation coverage, nationwide. 5Star Specialty Programs is a transportation expert!

Eligible Classes
  • Owner Operators and Contract Drivers:
  • Trucking
  • Courier
  • Other independent contractor classes may be considered
Available Products
  • Accidental Death Benefit/Accidental Dismemberment/Survivors Benefit
  • Accidental Medical Expense Benefit
  • Contingent Liability - 10+ lives (use group occ/acc and CL applications)
  • Continuous/Temporary Total Disability benefit
  • Non-Occupational Accident Benefits
  • Paralysis Benefit
Program Highlights
  • A.M Best A rated carriers
  • Truckers Occ/Acc Master policy for 1-9 lives
  • - Three plans to choose from (Plans A, B, and C ; enrollment forms/guidelines available on our website)
  • Easy binding process
  • Low monthly rate
  • Various options for 10+ lives on a submit basis
Program Parameters
  • Limits: up to $1,000,000 CSL
  • Minimum Premium: $1,000
  • Maximum Deductible: $5,000
Ineligible Classes*
  • Local delivery – under 100 miles (except for courier operations)
  • Mobile Home Totes
  • Moving/storage
  • PEO’s
  • Trip leasing
  • Waste/garbage haulers
Submission Requirements
  • 1-9 Drivers (Truckers only):
  • - Completed and signed Plan A, B, or C enrollment form for each driver
  • 10+ Drivers:
  • - CL application
  • - Copy of lease agreement
  • - Copy of safety/driver manual
  • - Details for any loss over $25,000
  • - Group application
  • - List of drivers by state with date of birth
  • - 3 years loss runs
  • Nationwide

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