occupationalaccident-5starspecialtyprograms.docVIP

OCCUPATIONAL ACCIDENT General Provisions Through One Beacon Insurance Company under NITACA, 5Star Specialty Programs can offer Occupational Accident Coverage for independent owner-operators (no operating authority or primary commercial auto liability) and their contract drivers not requiring Workers’ Compensation. If you have a fleet of 10 or more drivers please submit to 5Star for review, details on what to submit for fleet business can be found below. This is not Workers’ Compensation and should only be used in cases where Workers’ Compensation is not required by law. Benefits and premiums can be tailored to meet the needs of specific groups ineligible for the master policy. Eligible enrollees are limited to independent owner-operators (no operating authority or primary commercial auto liability) and their contract drivers. In either instance, the enrollee must be paid on a 1099 basis. All drivers must be in good health and physicals are recommended. Refer to the certificate of insurance for definitions of both owner-operators and contract drivers to determine whether the enrollee meets the independent contractor eligibility requirements. Coverage is not available for those residing in the State of CA, CO, MD, NC, NV, NJ, NY, WA. The use of “care of” addresses or using the motor carrier to whom leased or owner-operator to whom contracted address is not permitted. If you have an owner operator residing in any of the above ineligible states, other than NC and NY, please send it to occacc@5 for review. Occupational: Coverage for accidental injury or death while engaged in the usual and customary duties of the insured person’s occupation as an independent owner-operator and their contract drivers while in the business of the motor carrier and are a client of 5Star Specialty Programs, NITICA Occupational Accident program. Usual travel to and from work, bona fide leaves of absence, and vacations are not covered. Non-Occupational: Coverage for acci