Insurance

These insurance summaries are designed to provide a general overview of the coverage being offered. This summary, however, is not a substitute for the policy itself.

The information below is only a brief description of the NAIT benefit programs. If you are a member, please log in for complete instructions on accessing your benefit programs.

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Non-Occupational Accident Coverage

Provides members with coverage for non-work-related accidents

Non-Trucking Liability Coverage

Combined single-limit plan protects you for third-party bodily injury and property damage when you use your truck as a private passenger vehicle (while not under dispatch and not working in any capacity.)

Occupational Accident Coverage

This option is typically less expensive than Workers’ Compensation for sole proprietors. Available to those who are not required to carry Workers’ Compensation coverage, as determined by your resident state’s law. Provides coverage for work-related accidents.

Occupational Compensation Coverage

An affordable alternative to Workers’ Compensation for casual labor hired by the independent contractor.

Passenger Accident Coverage

Provides Accidental Medical, Accidental Dental, Accidental Death and Dismemberment and Emergency Evacuation Benefits for your scheduled passenger(s) while riding as an authorized passenger.

Physical Damage Coverage

24-hour coverage on your equipment and personal belongings. You choose the deductible and dollar amount of insurance to place on your vehicle.

Workers’ Compensation Coverage

Statutory coverage for your employee drivers and casual laborers.