Occupational Accident
Injury coverage for owner-operators who aren't on a comp policy.
Why Cargova
Same coverage. Different outcome.
We work the file by hand
An agent picks which markets see your submission. On a hard file that's most of the outcome.
We tell you when to walk
If this isn't the coverage you need, you'll hear that before you hear a price.
We stay after the bind
Filings, certificates, renewals — the same agent, not a queue.
In short
What occupational accident is.
Provides medical, disability and death benefits after a work-related injury. Common for independent contractors where workers comp does not apply.
Limits, deductibles and exclusions depend on your operation and the carrier writing it.
Scope
Generally in, generally out.
A rough map. Your policy wording governs — ask your agent about anything here.
Typically addressed
- Accident medical expense
- Temporary and permanent disability in many forms
- Accidental death benefit
Typically not
- Illness unrelated to an accident
- Injuries outside work in many forms
Free · No obligation
Quote my occ / acc
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
Occ / Acc questions
Is this a substitute for workers comp?
It is not the same thing legally, and some states and contracts will not accept it in place of comp. Confirm before you rely on it.