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When you’re on the road for a living, you plan for the obvious risks. You know your occupational accident policy is there to protect you if you get hurt on the job. But what about the situations that fall into the "gray area"? These are moments that feel job-related but don’t quite fit within the fine print of your policy, leaving you potentially uncovered.
Where Gaps Can Appear
Consider scenarios like taking a quick detour to grab lunch between loads, driving your personal vehicle to pick up a company truck, or helping with a task that isn’t strictly part of your job description. These are the kinds of situations where a standard occupational accident policy might not provide coverage.
For commercial drivers in Portland, OR, these moments are more common than you might think. Busy traffic, unpredictable weather, and tight delivery schedules increase the likelihood of incidents occurring beyond traditional policy boundaries.
How We Help You Navigate the In-Betweens
At Choice One Insurance Inc., serving the Portland, OR area, we focus on those "what if" scenarios. We take the time to review your routes, side tasks, and the parts of your workday that don’t neatly fit the definition of "on the job." From there, we assess your current policy to identify coverage gaps and recommend additional protection where needed.
Our goal isn’t to oversell. It’s to ensure you’re not caught off guard by a surprise gap in coverage just because an accident didn’t happen at the "right" moment.
Let’s Cover the Whole Picture
If you’re a commercial driver and unsure where your occupational accident coverage ends, now is the time to find out. At Choice One Insurance Inc. in Portland, OR, we’ll help you understand the fine print in plain language and determine if it’s time to fill in the blanks. Call us today, and let’s make sure your protection keeps up with your workday.