Contingent Liability insurance is the smart, easy, low-cost solution to the question, “What happens if an independent delivery driver makes a workers compensation (WC) claim?” Driver occupational accident insurance (OccAcc) may reduce the risk of this happening, but nothing legally prevents a driver from claiming WC benefits.  Just one claim can spark a ruinous audit and cancellation of your WC policy.  Or, if you don’t have Workers Comp., then your customer could get pulled in.

Why would independent drivers make WC claims?  Some have no insurance and are desperate.  Some have OccAcc insurance but try and ‘double-dip’ or don’t understand their OccAcc benefits.  Regardless, when these claims happen your 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.  It handles the driver claims so WC doesn’t get drawn in.  Together with WC and OccAcc, it forms a stable “three-legged stool” that protects you reliably and affordably against driver injury risks.  It also qualifies you for low-cost, audit-free WC!

What’s the Cost?

Companies registered with A4DD pay as little as $4.00 a month per driver with no deposit payment.  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.  Submit it via email it to [email protected].

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