Occupational Accident & Occupational Insurance

Truck driver working on truck

Responsive and reliable, Midlands is your number one option in the Occupational Accident and Occupational Insurance space. Offered through A.M. Best, A-rated as a premier occupational accident insurance carrier, this program protects owner/operators, contractors and/or the motor carrier.

With more than 35 years of combined experience among underwriters, we have the ability to assist in the design of an occupational insurance program to meet the needs of the motor carrier and their independent contractors or owner/operators. Occupational accident insurance, or hazard insurance, provides benefits to employees injured or killed in job-related accidents – make sure you and your employees are covered and protected with Midlands.

Over 2 million people die each year from work-related accidents and injuries, with another 340 million work-related injuries and 160 million work-related illnesses every year. This means it isn’t a matter of ‘if’ but ‘when,’ and at Midlands, we believe you should always be prepared.

Our extensive expertise allows for the ability to tie an Occupational Accident or Occupational Insurance program to a motor carrier’s Workers Compensation program to offer seamless coverage. From medical expenses to accidental disability, death, or dismemberment, we are here to be your trusted occupational accident insurance carrier.

OCCUPATIONAL HAZARD INSURANCE COVERAGES

  • Medical expenses
  • Accident disability income coverage – temporary total disability and continuous total disability
  • Accidental death
  • Accidental dismemberment
  • Paralysis coverage
  • 24-hour non-occupational accident coverage
  • Hernia and hemorrhoid

OPTIONAL OCCUPATIONAL ACCIDENT COVERAGES

  • Contingent liability
  • Advance payments endorsement
  • Occupational disease
  • Cumulative trauma
  • Pre-existing conditions coverage
  • Commute
  • Seat belt and air bag
  • Additional non-occupational coverage

OCCUPATIONAL HAZARD INSURANCE HIGHLIGHTS

  • Zero deductible
  • Easy and efficient administration
  • Low monthly rates
  • Easy binding process
  • Program services included

OCCUPATIONAL INSURANCE CLASSES

  • Trucking Owner/Operator
  • Trucking Contract Driver
  • Couriers
  • Fifth-Wheel Drivers
  • Cable Installers
  • Other Classes Considered

OCCUPATIONAL HAZARD INSURANCE SUBMISSIONS

Email the following to submit@midman.com:

Renewals:  Midlands Occupational Accident Renewal Application

OCCUPATIONAL INSURANCE UNDERWRITER

Jack Coleman
(972) 588-2009
jcoleman@midman.com