Insurance
The NAIT Insurance Programs are structured to help strengthen the arms-length relationship between you and the motor carrier to whom you contract. This helps maintain your independent contractor status.
The programs available through the NAIT Insurance Program are portable. You may be eligible to keep your coverage through the NAIT Program even if you change motor carriers–contact your Customer Service Representative at 800-821-8014 for details.
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.
If you are not yet a member, you can Join Now and receive immediate access to all that is included with NAIT membership.
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.
Workers’ Compensation Coverage
Statutory coverage for your employee drivers and casual laborers.
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.
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 Compensation Coverage
An affordable alternative to Workers’ Compensation for casual labor hired by the independent contractor.
Passenger Accident Coverage
Provides Accidental Death and Dismemberment Coverage and Accident Medical Expense coverage for your passengers, while riding as an authorized passenger, in or on or immediately boarding or alighting from the covered vehicle.
Non-Occupational Accident Coverage/Dependent Non-Occupational Accident
Provides members and their families coverage for non-work-related accidents