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Choice One Insurance, Inc

9111 SE St Helens St
Clackamas, OR 97015

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Occupational Accident vs. Workers’ Comp for Drivers

Understanding the differences between occupational accident insurance and workers’ compensation can be crucial for commercial drivers in Portland, OR, to ensure the right coverage. At Choice One Insurance Inc., we frequently guide drivers through these options to help them make informed decisions about their insurance needs.

Occupational Accident Insurance provides coverage for independent contractors and owner-operators who might not be eligible for Workers’ Compensation. This type of insurance is particularly relevant in Portland, where many drivers operate on a freelance basis. It covers medical expenses, loss of income, and accidental death and dismemberment, which are essential for drivers facing the daily risks of the road.

On the other hand, workers’ compensation is designed for employees rather than contractors. It offers broad coverage, including medical care, disability benefits, and rehabilitation costs associated with work-related injuries or illnesses. In Oregon, businesses with employees are generally required to carry Workers’ Compensation, making it a crucial consideration for any company employing full-time drivers.

Choice One Insurance Inc. in Portland, OR, understands that each driver’s situation is unique. That’s why we offer personalized consultations to discuss which type of coverage best fits your specific circumstances. Whether you’re an independent driver looking to safeguard against accidents or a business owner needing to comply with state laws, we have the expertise to help you navigate your options.

If you’re a driver in Portland, OR, and unsure about your insurance needs, don’t hesitate to contact us at Choice One Insurance Inc. Let us help you ensure that you have the proper protection on the road. Contact us today to learn more about how we can assist you with either Occupational Accident Insurance or Workers’ Compensation. We’re here to help you drive with peace of mind.

Understanding High Risk Occupations and Occupational Insurance

Occupational insurance in Portland, OR can provide employees and their employers with protection in case an injury occurs while on the job. This type of insurance is different from general life insurance or workers’ compensation. There are certain occupations that are categorized as more dangerous than others which will affect what type and how much occupational insurance a person or company may need to carry.

What Occupations Are Considered Dangerous?

There are many occupations that are at higher risk of accidents occurring or being involved in other types of dangerous situations. Some jobs, such as working as a police officer, may involve being subjected to violent situations. The following are several occupations that are normally considered high-risk.

  • Law Enforcement
  • First Responders
  • Construction Workers
  • Firefighters
  • Delivery Driving
  • Semi-truck Driving
  • Aviation Jobs
  • Military Personnel

What Types of Occupational Insurance are Available?

Occupational Accident insurance is available to cover both contractors and employees. It’s important to note that the state of Oregon does not require independent contractors to carry Workers’ Compensation coverage. Whether you have Worker’s Comp insurance or not, you may need to add occupational insurance to make sure you or any employees you may have are covered for any type of accident or incident that might occur while on the job. Some types of occupational insurance may also cover accidental death and provide benefits for survivors who are covered by the policy.

How Can Choice One Insurance Inc. Help?

When looking for insurance near Portland, OR, you’ll want to talk to Choice One Insurance Inc. Our team provides a variety of insurance options for different types of businesses. If you need occupational insurance, contact a representative at Choice One Insurance Inc. today for more information.

What is the Difference between Occupational Accident Insurance and Worker’s Compensation?

Many employers have workers who are considered independent contractors or non-salaried workers.  If they decide to provide work-related accidental injury coverage for them, they could do so by enrolling in an occupational accident insurance policy.  This type of policy helps employers provide medical and financial coverage for their contractors who aren’t covered by a worker’s compensation policy.  At Choice One Insurance Inc. serving Portland, OR, we can help you decide which type of policy is right for you and your business.  Here are a few things you need to know about occupational accident insurance and worker’s compensation.

Difference Between Occupational Accident Insurance & Worker’s Compensation

Occupational Accident Insurance Usually Costs Less than Worker’s Compensation

One of the major differences between the two policies is the cost factor.  In most cases, occupational accident insurance is cheaper for employers than worker’s compensation, with them usually paying 50% less.  It may be best for employers who don’t need a traditional worker’s compensation policy.  However, it doesn’t provide as much coverage for legal expenses as worker’s compensation does.  This means that the employer is financially responsible for any type of legal obligation to an employee.

Worker’s Compensation is More Regulated than Occupational Accident Insurance

Another important thing to know about the differences between the two is that one is mandatory.  In the state of Oregon, employers with employees in their businesses are required to have a worker’s compensation policy.  The Worker’s Compensation Division (WCD) in Oregon oversees programs and services that help with timely medical treatment and account for time-loss benefits to injured workers.  An occupational accident insurance policy is considered to be private and optional for employers.

Contact Our Insurance Agents For More Information

While both occupational accident insurance and worker’s compensation do have similar coverage benefits, both policies do have their differences. If you want more information on which policy is right for your business needs, we can help. Contact our Portland, OR insurance agents at Choice One Insurance Inc. today.

Three important things to know about occupational accident insurance

Being protected while on the job through occupational accident insurance is important. Employers and employees in Portland, OR can benefit from the occupational accident insurance policies we offer at Choice One Insurance Inc.

The following are three important things to know about occupational accident insurance:

Occupational accident insurance combines aspects of workers’ compensation and long-term disability. 

Unlike workers’ compensation insurance, occupational accident insurance is a private type of insurance that is not state-administered or required by law.

Occupational accident insurance covers expenses like lost wages and medical bills after a workplace accident. Occupational accident insurance can offer features such as permanent total disability coverage, a survivor’s benefit in the event of an accident resulting in death, and accidental dismemberment benefits. 

Occupational accident insurance can benefit independent contractors in particular.

The biggest difference between occupational accident insurance and workers’ compensation insurance is that occupational accident insurance focuses in particular on protecting independent contractors.

Independent contractors often do not get workers’ compensation insurance coverage. Employers can purchase occupational accident insurance so that they can offer protection to their independent contractors. 

Occupational accident insurance often offers the advantage of more flexibility than workers’ compensation insurance plans.

Occupational accident insurance tends to offer more flexibility since it is not state-administered. This gives employers the ability to devise policies that best cover the unique injury risks of their industries.

Employers have to make numerous choices about what types of coverage they want to include in their occupational accident insurance policy. 

Reach Out To Us

We can help you explore your occupational accident insurance options in Portland, OR at Choice One Insurance Inc. Get in touch with us to learn about the policy options we provide. We can also offer you a quote on an occupational accident insurance policy. 

Protect Yourself on the Job With Occupational Accident Insurance

Both employers and employees have various ways of protecting themselves in the workplace. Workers’ compensation insurance is a popular way to do that, but there are others.

Another type of coverage that can help is occupational accident insurance. If you’re in the Portland, OR area, Choice One Insurance Inc. can help you find the right kind of coverage for the workplace.

That will give you the protection and peace of mind you need, for the long term.

Occupational Accident Insurance: What You Need To Know

When you have insurance for occupational accidents, it protects the employer by typically being a more comprehensive option. It also allows employers to increase or limit coverage for employees, so the level of coverage can more closely match what’s actually needed. Flexibility is another big reason that employers like this type of insurance. With options for temporary and permanent disability, survivor benefits, and accidental death, employers can make sound choices for coverage needs.

Employees are protected by this type of insurance through the flexibility that they offer. Because employers have options, employees can also make requests and discuss the value of specific coverage types. That’s a good way for employees to feel valued, and to make sure they’re choosing a company that fits their goals and meets their employment needs.

Contact Us Today

Reach out to us at Choice One Insurance Inc. today, if you’re in the Portland, OR area and looking for occupational accident insurance.

We can help make sure you have the right type and level of coverage, so you can focus on all the things that matter most. With peace of mind and quality coverage, you can stop worrying about insurance protection and get back to addressing company and workplace goals. That makes it easier to build out a team, help clients, and accomplish more, overall.

What You Need To Know About Occupational Accident Insurance

Employers have a special responsibility to their employees and to independent contractors which work with them. If these individuals are injured in the course of providing services for the employer, they are entitled to certain benefits. Occupational accident insurance is one way employers can provide these benefits. At Choice One Insurance Inc, serving Portland, OR, we can help you navigate these insurance topics. 

What Is Occupational Accident Insurance?

Occupational accident insurance is a type of insurance policy that an employer can put in place to provide benefits to their employees and independent contractors. If an employer uses independent contractors, those workers may not be covered under traditional worker’s compensation insurance. However, accidents and injuries still happen. Occupational accident insurance will kick in and provide benefits for those independent contractors. 

Why Should I Get Occupational Accident Insurance?

If an independent contractor is injured while using your equipment or while providing services for you, you could be held liable for the expenses resulting from this incident. These expenses could include, but are not limited to, medical expenses and legal expenses. 

What Does Occupational Accident Insurance Cover?

You can customize your policy to suit your particular needs, but in general, a policy will provide the following benefits:

  • Accidental death benefits for families
  • Survivors benefits
  • Dismemberment 
  • Medical expenses 
  • Temporary disability 
  • Permanent disability 
  • Others 

To understand all of the types of benefits available, you will need to talk with a knowledgeable insurance representative. 

If you would like to learn more about our insurance products and services, please contact us at Choice One Insurance Inc, serving Portland, OR. We will be happy to answer your questions. 

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