Occupational accident insurance

Occupational accident insurance is a policy that pays limited benefits, such as medical costs, part of lost income and a death benefit, when a worker is hurt on the job. It is usually bought for or by independent contractors without workers' comp, and gig platforms commonly offer it to their 1099 workers. It is not workers' compensation: there is no state-mandated benefit schedule, the policy owner picks the limits, benefits are usually capped, and it does not give the business the exclusive-remedy protection that workers' comp provides. Ask which one covers the people on your site. For our W-2 crews, the answer is our workers' comp.