Occupational accident insurance
Don't lose your income and life savings because of a work injury
Protect your income, whether you're hurt in a car crash, slip during a delivery, or develop injuries from repeated lifting. Get up to $700 in weekly payments and cover up to $1 million in medical bills. This coverage is required by most carriers. Plans start at $12/week.
Get an instant quote
Trusted by 2,500+ delivery drivers | A+ rated insurance | Coverage in all 50 states
Real protection for real situations
- You get injured in a car crash
- You strain your back while lifting heavy items
- You slip and fall during a delivery
- You get injured loading or unloading
- You're hurt during a carjacking
- You develop injuries from repeated lifting
- You get assaulted while making deliveries
Typical weekly rates
Light vehicles (up to 15,000 lbs.GVW)
| Type of work | Plan A | Plan B |
|---|---|---|
| General delivery work | $12-$21 | $10-$19 |
| Heavy in-home ‘White Glove’ work | $22-$29 | $20-$26 |
Heavy vehicles (over 15,000 lbs.GVW)
| Type of work | Plan A | Plan B |
|---|---|---|
| General delivery work | $13-$23 | $12-$21 |
| Heavy in-home ‘White Glove’ work | $22-$29 | $20-$26 |
Which rates apply to my vehicle type?
- Light: Cars, SUVs, vans, small trucks
- Heavy: Larger trucks
All plans cover ‘White Glove’ deliveries – which means any work involving delivery plus assembly/installation of big and bulky products. Optional helper coverage is available for all plans.
We have an additional plan for CA drivers to comply with Labor Code 4453(a)
| Coverage Features | |
|---|---|
| Covers bodily injury and property damage claims | Yes |
| Covers legal defense costs outside policy limits | Yes |
| Broad form Contractual Liability included | Yes |
| Blanket Additional Insureds coverage | Yes when stated on a Certificate of Insurance or required by written agreement or contract |
| Blanket Waiver of Subrogation | Yes |
| Primary & Non-Contributory | Yes |
| Covers loading/unloading claims | Yes, excess over collectible auto insurance |
| Extended bodily injury definition | Yes |
| Broad form property damage definition | Yes |
| Covers your work for any contracting companies | ‘Full-Time’ Drivers* |
| Covers work for primary contracting companies only | ‘Part-Time’ Drivers* |
How it protects you
Medical coverage
- Up to $1,000,000 for medical expenses
- Up to $2,500 for dental expenses
- Benefits for up to 104 weeks
- Just $100 deductible with Plan A
- Occupational disease coverage of up to $10,000
Income protection
- 70% of your average weekly earnings
- Up to $700 in weekly payments
- Minimum $200 weekly payment for you
- 104 weeks of temporary disability coverage
- Additional continuous disability benefits
Catastrophic
- Death benefit up to $350,000
- Coverage for severe burns
- Paralysis coverage
- Carjacking benefits up to $10,000
- Felonious assault coverage
Why drivers choose A4DD
Coverage that moves with you
One policy covers all your delivery work, even with different carriers*
Fast response and advocacy on claims
We ensure members get a fast response and our full support when submitting claims.
No age restrictions
Coverage available for all drivers (drivers over 75 may need MVR and doctor's note)
Helper coverage
Protect your non-driving helpers
Nationwide protection
Work anywhere in the USA
Flexible payment options
Choose weekly or monthly payments with no big down payment - never pay more than a month's worth of premium
Trusted protection
Backed by an A+ rated insurance company
* Members who apply for this insurance as full-time drivers are the ones who get coverage for all carriers.
Smart ways to save
Save up to 20%
Using a coupon code provided by a contracting company
Monthly payment
Pay less by setting up monthly payments instead of weekly
Lower rates available
Part-time drivers earning under $275/week get lower prices
Helper coverage
Adding helper coverage is cheaper than the helper getting insurance on their own
Don’t wait until you need it
Get coverage that pays your medical bills and lost income when you get injured doing delivery work. Plans start at $12/week
