SKIP TO CONTENT    |    ACCOUNT PORTAL    |    CONTACT US

DMC Insurance

OCCUPATIONAL ACCIDENT

Financial protection for independent contractors in the event of a work-related accident.

Occupational Accident Insurance offers essential financial protection for independent contractors who experience a work-related injury or accidental death. Designed for businesses, owner-operators, and other contractors not required to carry statutory workers’ compensation, this coverage provides tailored solutions that bridge gaps where traditional workers’ compensation doesn’t apply.

With customizable options to fit various contractor roles and industries, and flexible limits and deductibles, our occupational accident coverage ensures both your business and the contractors you work with are protected with the right plan for your unique needs.

Coverage Options May Include:

Medical Expense Coverage

Pays for accident-related medical care – up to $1,500,000

Accidental Death & Dismemberment

Payment for death or serious injury during work-related activities

Temporary/Permanent Disability

Coverage for short-and long-term disabilities – $500-$800 weekly

Non-Occupational Accident

Protection against accidents that happen outside of work

Hernia, Hemorrhoid, Occupational Disease, Cumulative Trauma

Covers conditions that may develop over time or resulting from work activities

Passenger Medical Expense or Death and Dismemberment

Protection for passengers who are injured or killed while riding in a covered vehicle during work-related activities

A full list of optional riders is available upon request. Please contact our team for more information.

DMC Insurance