Occupational Accident Insurance

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 through Onsite IQ. 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 working with Onsite IQ.

What Benefits are Included With Occupational Accident?

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.

Survivors Benefit

Accidental Dismemberment

Please Note: Accidental Death, Survivors Benefit, Accidental Dismemberment and Paralysis benefits are reduced if you are age 65 or over. 

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 November 11, 2021, 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 November 11, 2021, all U.S. independent contractors working with Onsite IQ 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 through the Onsite IQ platform.

In the event that I get injured, how do I file a claim?

If you become injured while performing services through Onsite IQ, an Occupational Accident Insurance claim will need to be reported immediately. To file a claim, please call the Zurich claims call center at 866-280-4394, 24 hours a day, seven days a week. You will be asked to provide your policy number during the call. Please use #OCA 4851141-00

They will have the hospital or clinic invoice Zurich and they will give you instructions for prescription medication if needed.

Doctors and facilities participating in Zurich’s PPO network can be found online at https://secure.zurichna.com/zus/zna.nsf/carecheck.html. The password is zurichna.

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 through Onsite IQ and deducted from your payment schedule.

NOTE: This page is for informational purposes only. All coverages provided by Zurich 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.