Protect Yourself on Every Mile.
Occupational Accident Insurance helps protect truck drivers and their families from the financial impact of work-related injuries or accidents.
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"Bound my OCC policy on a layover in Amarillo. Four minutes from DOT lookup to certificate in my inbox. No agent, no fax."
"We add and remove drivers weekly. EKORA's dashboard makes mid-term changes painless — pro-rated, same day, no phone tag."
"The Schedule of Benefits is actually readable. I knew exactly what I was buying before I signed. Premium price stayed the same."
Bind in under 4 minutes
Three steps. One certificate.
30 seconds
Snapshot
Enter your USDOT — we pull carrier, address, and driver count from FMCSA in real time.
1 minute
Coverage
Pick Essential, Standard, or Premium. Toggle Passenger / Non-Occ / Contingent Liability.
2 minutes
Pay & Sign
Secure Stripe checkout, e-signature, and your certificate downloads instantly.
Answers, not jargon
Frequently asked questions
No. OCC/ACC is a contractual benefit policy designed for independent contractors and owner-operators where workers' compensation is not required or available. It pays accidental death, medical expense, and disability benefits per a schedule — not state-mandated wage replacement.
Most carriers finish in under 5 minutes — DOT lookup, plan selection, e-signature, payment, and certificate download all in one flow. No agent callbacks, no faxing.
EKORA is licensed to write OCC/ACC in all 50 states for interstate motor carriers. Coverage limits and supplemental options vary by state — pricing updates live as you build your quote.
Yes. The schedule of benefits and Contingent Liability rider differ between 1099 owner-operators and W-2 company drivers. Step 4 captures driver classification so the policy you sign matches your operation.
Yes. Drivers can be added or removed any time from your policyholder dashboard with pro-rated premium adjustments. Mid-term cancellation follows the short-rate table disclosed at bind.
Prior claims do not auto-disqualify you. Eligibility questions in Step 3 route higher-risk applicants to underwriter review instead of an instant decline — you'll get a response within one business day.