Accident & Health

RT Specialty offers access to a number of accident and health insurance products, including occupational accident, which is designed for independent contractors who are injured on-the-job and are not protected by traditional workers’ compensation policies. Occupational accident coverage helps to address exposure for both the independent contractor and the business owner in the event of a work-related injury.

 

Areas of Expertise:

COVERAGE

  • Accidental Death and Dismemberment
  • Accidental Medical Expense Benefit
  • Temporary / Permanent Total Disability Benefit
  • Non-Occupational Accident Benefits
  • Paralysis Benefit
  • Contingent Liability

Occupational Accident insurance is not Workers’ Compensation coverage and is not a substitute for Workers’ Compensation coverage.

HIGHLIGHTS

  • Both exclusive and limited distribution carriers available
  • Combination of Workers’ Compensation / Occupational Accident / Contingent Liability options may be available, depending on risk characteristics and state required
  • New ventures / no prior coverage accepted
  • Available nationwide, excluding AK, NY

TARGET CLASSES

  • Behavioral healthcare
  • Consulting
  • Courier / Delivery
  • Home care services
  • Office related services
  • Landscape
  • Oil / Gas
  • Professional services
  • Technology
  • Trucking

SUBMISSION REQUIREMENTS

  • Occupational Accident Supplemental Application
  • 3 years currently valued loss runs, if available
  • Independent Contractor – Owner Operator Census
  • Complete description of insured operations
  • Target pricing
  • Copy of Sub-Contractor Agreement

MARKETING SHEET

This listing is not intended to be an all-encompassing record of capabilities, products or services, but merely a guide for representational purposes only.

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Report a Claim

RT Specialty employs a team of talented and motivated claims professionals to assist clients on all claims issues. All claims should be submitted to the RT office where the policy originated.

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