Occupational Accident

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.

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