Contingent Liability insurance is becoming an increasingly common requirement in delivery contracts, but what does it do?  It provides protection in the event that an independent delivery driver who is covered by Occupational Accident insurance nevertheless makes a workers compensation (WC) claim.  Nothing legally prevents a driver from doing this, and just one driver claim can spark a ruinous audit and cancellation of your Workers Comp. policy.  And if you don’t have Workers Comp., then the company that contracts with you could get pulled in.

Why would independent drivers make WC claims?  Some have no insurance and are desperate.  Some have Occupational Accident insurance but try and ‘double-dip’ or don’t understand their OccAcc benefits.  Regardless, when these claims happen the WC insurer has to pay out — either to cover the claim or defend against it.

Contingent Liability (CL) insurance interrupts a claim before it can trigger big trouble for you or the company you contract with.  It handles the driver claims so your WC doesn’t get drawn in.  Together with WC and OccAcc, it forms a stable and reliable “three-legged stool” to minimize driver injury risk that’s affordable for any size company.

What’s the Cost?

A4DD-recognized contracting companies can qualify for insurance with no down payment that costs as little as $4.00 a month per driver.  Plus you get the highest amount of insurance available (WC statutory limits*).  You can even add additional insureds as needed.  The short application – barely a page – is quick and simple so sign up today.

DOWNLOAD APPLICATION.  Upload it back to us on our Contact Us page.

* $500,000 limit applies in DC, MA, NC, NJ, NV, NY and VT.