Occupational Accident Insurance


With A4DD’s Occupational Accident insurance you are protected from injuries you sustain while on-the-job while working as a professional delivery driver. The policy pays medical expenses and lost income (called “disability benefits”) if you sustain a covered injury.  In addition, benefits may be payable if a covered injury results in death, dismemberment, or paralysis.  A4DD members who sign up for Occupational Accident insurance will also receive access to a Discount Prescription Drug Program, an invaluable service that helps you keep prescription drug costs under control.

Plans & Cost

Three features of our program really stand out:

  • No maximum age to qualify for coverage* – you can’t age out
  • Drive for multiple carriers? No problem, as long as you are a full-time driver you are still eligible for coverage!
  • Moving from one delivery company to another? Again, no problem, as long as you are a full-time driver you are still eligible for coverage!

Two Great Plans To Choose From

  • PLAN A – higher limits and lower deductibles than plan B
  • PLAN B – lets you comply with most contract standards at a lower cost but with lower limits and a higher deductible than Plan A

Here’s the bottom line: If you can afford it, Plan A provides you with more coverage.

When you apply for insurance online, you will see specific rates quoted.  Below are the general cost ranges for both plans:

  • PLAN A – Full Time Drivers from $16-$22 per week
  • PLAN B – Full Time Drivers from $14-$20 per week
  • Part-time drivers are defined as earning $275 per week or less and pay about 30% less
  • Heavy truck drivers pay about 10% more

To apply for insurance