Occupational Accident Insurance

Ensure your workers are covered with the right benefits.

What Is Occupational Accident Insurance?

At its core, Occupational Accident Insurance is a policy that benefits independent contractors and employees not covered under workers compensations. If an employer refuses to provide workers compensation, they still have to find a way to provide legal obligation to their employees who suffer injury or death on the job. This is made possible through OAI which gives the employer the means to fund this obligation at a lower cost than a workers compensation policy.

What It Covers

Since Occupational Accident Insurance is not mandated by law, you can choose from the following benefits to be added to your plan:

  • Accidental death benefit
  • Survivors benefit
  • Accidental dismemberment
  • Accident medical expense
  • Temporary total disability
  • Permanent total disability
  • Non-occupational accident benefit
  • Hernia and hemorrhoid benefit
  • Chiropractic benefit
  • Passenger accident benefit

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Have any questions about our insurance policies or need to add coverage? Contact us today, and one of our Nashville based agents will help you get the coverage you need.

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