Occupational Accident

Occupational accident is not the same as workers compensation, but does offer some coverage for covered workers. It is usually an accident policy/disability policy with weekly indemnity for usually a two year period and an accidental death policy.

There are limits of usually $300,000 on the accident policy but no limit on workers compensation. Disability is usually for two years maximum on the occupational accident policy, compared to no limit on workers comp policy. Accidental death benefits of $100,000 are the same on both types of policies.

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