Occupational Accident Insurance
HOW TO FILE A CLAIM
Call the Great American claims call center at 1-800-297-1971, 24 hours a day, seven days a week. You will be asked to provide your policy number during the call. Please use #OA3430866
They will have the hospital or clinic invoice Great American and they will give you instructions for prescription medication if needed.
More Information Below
What is Covered Under an Occupational Accident Policy?
Occupational Accident is an insurance policy that insures independent contractors against covered injuries that happen in connection with work done with AxleHire. Occupational Accident provides benefits for medical expenses, disability, loss of life, survivor payments, dismemberment and paralysis for covered injuries directly caused by an accident on the job.
Do I have to sign up or enroll to be covered?
No - enrollment is required, so you are obtaining benefits during the period you are driving with AxleHire. You can opt-out of the coverage if you currently have a workers compensation policy in place already.
What Benefits are Included With Occupational Accident?
Benefit Type
Accident Medical Expense
Accidental Death
Survivors Benefit
Accidental Dismemberment
Benefit Amount
Up to a maximum of $1,000,000
Up to a maximum of $350,000
Up to a maximum of $50,000 + $2,000 / month for 150 months
Up to a maximum of $350,000
Benefit Descriptions
Accidental Medical Expense
Subject to policy limits, covered injuries that require Physician treatment and/or medical services that include but are not limited to: physician services, inpatient hospital and ICU stays and services, prescription drugs, ambulance transportation, lab tests, radiology, therapy services, durable medical equipment, extended care facilities, and home health care.
Accidental Death
A covered injury that results in death within 365 days will pay a lump sum payment.
If an Accidental Death Benefit is payable under the policy, your surviving spouse or dependent children will received benefits to a maximum monthly amount. You can designate an alternative beneficiary at your request. Please contact Bunker for a form.
Survivors Benefit
You will receive monthly benefits for specific covered injuries resulting in the loss of certain body parts. Benefits are paid monthly depending on the covered injury.
Accidental Dismemberment
Please Note: Accidental Death, Survivors Benefit, Accidental Dismemberment and Paralysis benefits are reduced if you are age 65 or over.
AUTO INSURANCE
Your auto insurance may not be sufficient while delivering with AxleHire. Personal auto policies commonly won’t cover accidents that take place while you’re on the clock.
Click below to get a commercial auto quote from Bunker!
Am I Covered Under the Occupational Accident Policy?
If you are a U.S. independent contractor who suffered an injury while performing a service on or after August 16th, 2020, you are covered under the policy.
I’ve already provided my services as an independent contractor on the Platform before the Occupational Accident Insurance launch date. Does Occupational Accident Insurance apply to me?
Beginning August 16, 2020, all U.S. independent contractors using the AxleHire Platform will be automatically covered by Occupational Accident Insurance. This policy does not retroactively provide coverage for covered injuries sustained in an accident prior to the aforementioned effective date.
I was injured while performing a job for a competing service; will this policy cover that?
No. This policy only covers independent contractors while performing a service on the AxleHire platform.
In the event that I get injured, how do I file a claim?
If you become injured while performing services when on the AxleHire app, an Occupational Accident Insurance claim will need to be reported immediately. To file a claim, please call the Great American claims call center at 1-800-297-1971, 24 hours a day, seven days a week. You will be asked to provide your policy number during the call. Please use #OA3430866
They will have the hospital or clinic invoice Great American and they will give you instructions for prescription medication if needed.
If your injuries require immediate medical attention, please go directly to the nearest hospital/urgent care center for medical treatment or call 911.
I’d like more information, who can I contact?
Feel free to reach out to Bunker and their licensed insurance advisors for more information or a copy of your coverage. They can be reached Monday-Friday, 8am-5pm Central
Call their support team at 877-968-9108
Or email them at support@buildbunker.com
Occupational Accident Insurance costs will be displayed for each assignment in the AxleHire app and deducted from your payment schedule.
In order to opt out of Occupational Accident Coverage, you must provide a current certificate of insurance demonstrating that you carry workers’ compensation insurance.
NOTE: This page is for informational purposes only. All coverages provided by Great American Insurance are subject to the policy terms, conditions, limitations, and exclusions. If there is a conflict between the information shown here and the actual insurance policy, the policy will govern.
Learn More!
Download the OAI FAQ to learn more about the history of workers’ compensation, what it covers, and how it compares to traditional workers’ compensation: