Trucking Occupational Accident Insurance for Agents
1099 Protect is an occupational accident insurance (OAI) program for independent agents who write trucking accounts. Place coverage for owner-operators and leased-on 1099 drivers in all 48 contiguous states, with $500,000 or $1,000,000 in accident medical, from $160 per driver per month, and a 1-hour turnaround on clean submissions.
What You Can Place
48-State Premier
OTR owner-operators and leased-on drivers. No radius restrictions. Select Plus: $160/month, $500,000 accident medical, $500/week disability. Select Elite: $180/month, $1,000,000 accident medical, $1,000/week disability. $0 medical deductible.
Last Mile & Install
Final-mile, courier, and delivery fleets, including injuries during loading, unloading, and in-home installation. $160–$180 per driver per month. Last-mile program details →
Truckers Insured (Legacy)
Our legacy tiered trucking program remains available on request for accounts that need it. New trucking business runs through 48-State Premier.
How Placement Works
One Account Application
The motor carrier completes a single master application that sets up the fleet, billing, and chosen limits.
One Driver Form
Each 1099 driver enrolls on a short mobile-friendly form and can e-sign from the cab.
1-Hour Turnaround
Clean submissions bind in about an hour, so new drivers are covered the day they are onboarded.
Pay-As-You-Go Billing
Monthly per-driver billing with add/delete as the roster changes. No premium audits, and no first-month deposit.
3% Fee Pass-Through
Credit card and ACH processing fees can be passed to the insured instead of eroding your margin.
Your Agency, Your Brand
Co-branded enrollment pages and sales sheets carry your agency's name, and every application credits your producer.
The Conversation With Your Motor Carrier
The gap
Auto liability protects the public and general liability protects the business. Neither pays for a 1099 driver's own on-the-job injury. An injured driver with no coverage of their own often looks to the motor carrier.
The documentation
When each driver carries OAI in their own name, on their own certificate, the carrier holds evidence that drivers operate as independent businesses. It does not guarantee an audit outcome, but it is one of the strongest documents in a carrier's independent-contractor file.
Not Workers' Comp
Workers' Compensation covers W-2 employees. OAI covers 1099 independent contractors. They are legally distinct products for legally distinct workforces.
Agent FAQ
Who can sell it?
Licensed agents appointed through our producer agreement (resident license, E&O, W-9). Most agencies are activated within one business day.
Where is it available?
48-State Premier covers drivers across all 48 contiguous states with no radius restrictions.
How fast does it bind?
About 1 hour on a clean submission.
What does it cost the driver?
$160 or $180 per driver per month depending on the tier, billed monthly.
Placing a Trucking Account?
Book a short call with Richard Sturm, Program Administrator, to walk through appetite, limits, and appointment.