Occupational Risk
Crum & Forster, Accident & Health offers Occupational Accident insurance inclusive of medical/dental, accidental death & dismemberment, and disability income benefit for accidents that occur on-the-job across a variety of industries utilizing Independent Contractors.
Contact
Key Contacts
Matthew Bagley
Accident & Health
Matthew.Bagley@cfins.com
General Inquiries
OccupationalRisk@cfins.com
Downloads
Occupational Accident Capabilities
Occupational Accident – For Small Owner Operator Accounts
Independent Contractor Trucking Group Captive
Solutions & Services
Gig Economy
Commercial Lines
Surplus & Specialty
OUR OCCUPATIONAL ACCIDENT COVERAGE IS:
DESIGNED TO:
Fit the current and future needs of the customer by offering tailored policies with the broadest coverage in the marketplace and flexible limits.
DESIGNED FOR:
Motor Carriers & Transportation companies, the Gig Economy, and all industries utilizing Independent Contractors to fulfill the business needs.
OFFERED VIA:
Brokers & Agents, Strategic Wholesalers, and Program Managers.
For Motor Carriers and Independent Owner Operators
C&F’s Occupational Accident Insurance department specializes in providing coverage for Motor Carriers and Independent Owner Operators. Offering a full product suite, entirely serviced by a single department, applicable to the transportation segment:
- Truckers Occupational Accident
- Contingent Liability
- Workers’ Compensation
- Physical Damage
- Non-Trucking Liability
- Passenger Accident
- Texas Non-subscriber Insurance
- Alternative Risk and Captive Solutions
OUR OCCUPATIONAL ACCIDENT COVERAGE HAS:
- No Under Dispatch requirement
- No On-Duty requirement
- No Commercial Driver’s License requirement
- No Accidental Death sublimit, which means there is no survivor benefit needed
- No age-based benefit reduction after age 65
COVERAGE ALSO INCLUDES:
- Accidental Dismemberment – Loss of Use
- Temporary Total Disability – Based on a maximum of 100% of Gross Earnings
- No Medical Caps or Sub Limits
- No Aggregate Limit at the account (group) level
For the Gig/Sharing Economy Worker
C&F is a leading provider of Occupational Accident insurance for Gig Economy Platforms and workers offering comprehensive solutions customized to the unique needs of this workforce.
Coverages include:
- Occupational Accident
- Contingent Liability
- General Liability
- Professional Liability
- Workers’ Compensation
- Alternative Risk and Captive Solutions
Workers’ Compensation
A policy issued to a company that covers the workplace accidents of their most valued resource…the employees. At C&F, we have the knowledge and expertise combined with the coverage solutions that protect your business and employees.
Our dedicated team understands your business’ exposures and what it takes to safeguard your employees before an accident as well as after an injury.
We have a disciplined group of claims professionals that achieve results through a blend of precise investigation and state of the art medical management program.
Texas Non-Subscriber
Insurance solution for employers that opt out of Workers’ Compensation in Texas, allowing the freedom to design their own comprehensive accident policy for their employees.
Our program offers coverage that is suitable for all types of employer groups. Some of the benefits provided under our program:
- Medical
- Accidental Death & Dismemberment
- Temporary and Total Disability as well as Employers’ Liability.
AH-3595