Shoal Creek Specialty Group PresentationPresentation Transcript
Shoal Creek Specialty Group Specializing in Transportation Insurance Bonnie Leigh, Broker 816-792-9791
“ What is Occupational Accident Insurance”
Occupational Accident is an affordable alternative to statutory work comp.
Three Components of Occ/Acc and Non-Occ.
Accidental Death and Dismemberment
Occ/Acc is primarily sold to truck drivers that are independent contractors.
Owner Operator Insurance
Occupational Accident-provides benefits for work related injuries.
Non-Occupational Accident – provides benefits for non-work related injuries.
Worker’s Compensation for Fleet Owners.
Several Plans to choose from, with up to $2 million in benefits.
Helpful Do’s and Don’ts
Do have separate policies or driver manuals for owner-operators and employee drivers.
Do make sure that all employees understand the difference between an independent contractor and employee.
Do audit company forms for terminology which should not be used with respect to owner-operators.
Do not provide owner-operators with equipment, uniforms, or other products free of charge. It is acceptable to initially pay for the drivers expenses and then deduct them from their compensation as written in the lease agreement.
Do not provide light duty work opportunities to an independent contractor that has been injured and prevented from driving.
Start Process 3 months in advance.
Use at least two agents (one being incumbent).
Have agents bring two or three insurance quotes but keep maximum to five total.
Agents need Loss Runs for last 3 yrs., Drivers list, Insurance Questionnaire.
Emergency Breakdown Service
Truck Purchase Rebates
Heavy Duty Truck Parts
Cellular Phone Discounts
Motor Carrier Benefits
Contract Liability – Intent of this policy is to cover the Motor Carrier, as an additional insured, in the event an independent contractor represents himself to be an employee of your company.
Loss Summaries provided monthly.
Assurance that your drivers are covered in case of job related accidents.
Billing – the way you want it. Drivers can be billed directly and I will monitor account giving you the assurance driver is covered.
Flexible, Fast and User Friendly
To add or delete a member, simply fax, email or mail the information
The application is a very important document to you, the Motor Carrier. It states that the Independent Contractor is NOT an employee of your company