Occupational Risk

Occupational Risk

Crum & Forster, Accident & Health offers Occupational Accident insurance inclusive of medical/dental, accidental death & dismemberment, and disability income benefit for accidents that occur on-the-job across a variety of industries utilizing Independent Contractors.

Video: Spill the Beans with Lauren Woods Episode #1: Occupational Accident



Fit the current and future needs of the customer by offering tailored policies with the broadest coverage in the marketplace and flexible limits.


Motor Carriers & Transportation companies, the Gig Economy, and all industries utilizing Independent Contractors to fulfill the business needs.


Brokers & Agents, Strategic Wholesalers, and Program Managers.

For Motor Carriers and Independent Owner Operators

C&F’s Occupational Accident Insurance department specializes in providing coverage for Motor Carriers and Independent Owner Operators. Offering a full product suite, entirely serviced by a single department, applicable to the transportation segment:

  • Truckers Occupational Accident
  • Contingent Liability
  • Workers’ Compensation
  • Physical Damage
  • Non-Trucking Liability
  • Passenger Accident
  • Texas Non-subscriber Insurance
  • Alternative Risk and Captive Solutions


  • No Under Dispatch requirement
  • No On-Duty requirement
  • No Commercial Driver’s License requirement
  • No Accidental Death sublimit, which means there is no survivor benefit needed
  • No age-based benefit reduction after age 65


  • Accidental Dismemberment – Loss of Use
  • Temporary Total Disability – Based on a maximum of 100% of Gross Earnings
  • No Medical Caps or Sub Limits
  • No Aggregate Limit at the account (group) level

For the Gig/Sharing Economy Worker

C&F is a leading provider of Occupational Accident insurance for Gig Economy Platforms and workers offering comprehensive solutions customized to the unique needs of this workforce.

Coverages include:

  • Occupational Accident
  • Contingent Liability
  • General Liability
  • Professional Liability
  • Workers’ Compensation
  • Alternative Risk and Captive Solutions

Learn More About Gig Economy

Workers’ Compensation

A policy issued to a company that covers the workplace accidents of their most valued resource…the employees. At C&F, we have the knowledge and expertise combined with the coverage solutions that protect your business and employees.

Our dedicated team understands your business’ exposures and what it takes to safeguard your employees before an accident as well as after an injury.

We have a disciplined group of claims professionals that achieve results through a blend of precise investigation and state of the art medical management program.

Texas Non-Subscriber

Insurance solution for employers that opt out of Workers’ Compensation in Texas, allowing the freedom to design their own comprehensive accident policy for their employees.

Our program offers coverage that is suitable for all types of employer groups. Some of the benefits provided under our program:

  • Medical
  • Accidental Death & Dismemberment
  • Temporary and Total Disability as well as Employers’ Liability.

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