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If you’re considering whether you need occupational accident insurance for your company, it may be helpful to weigh the pros and cons. Occupational accident insurance provides financial protection in the event of an accident. Without it, there are significant financial risks, such as personal injury, property damage, and vehicle damage. Occupational accident insurance is always recommended, but an agent at Choice One Insurance Inc. in Portland, OR, can guide you through it if you’re unsure.
Why Does Occupational Accident Insurance Matter?
Occupational accident insurance plays a crucial role by providing three key coverages. First, it offers financial security in the event of an accident. This can include coverage for medical expenses, lost wages, vehicle damage, and more. Second, it can also provide comprehensive coverage for health insurance that may not be covered under a regular policy.
However, the main benefit is that it can give business owners and drivers peace of mind. Occupational accident insurance ensures that your drivers and company have enough coverage to cover all employed commercial drivers. This can help them rest assured that they are covered while driving long distances.
What Other Benefits Does Occupational Accident Insurance Provide?
The coverage also includes disability benefits and death benefits. In the rare case that a driver is killed or injured, they will be covered. Disability provides long-term coverage for drivers who find themselves in an accident. On the other hand, in the event of death, a driver’s family will be compensated.
Do You Need Occupational Accident Insurance?
If you’re a business owner who employs drivers, occupational accident insurance is recommended. If you are still unsure about whether you need coverage, speaking to an agent at Choice One Insurance Inc. in Portland, OR, can help. We’re waiting to hear from you.