TOA Occupational Accident Benefit Package for Professionals (OCAC)

The Occupational Accident Benefit Package for Professionals (OCAC) is designed to cover medical expenses, lost wages and related benefits, including a death benefit, for accidental occupational-related injuries.

TOA Occupational Accident Benefit Package for Owner-Operators (OCAC)

Since independent contractors aren’t technical employees, companies aren’t legally obligated to pay medical, disability, death, or dismemberment benefits in the same way as they would with a hired employee. But, understandably, when a contract worker is hurt on the job, he/she doesn’t care about a company’s legal obligations—he/she just wants help paying his hospital bills.
Independent contractors hurt on the job will sometimes sue a trucking company, claiming that they were a hired employee all along and that they legally deserve compensation. That’s where Occupational Accident Insurance comes into play.

TOA Non-Trucking Liability Benefit Package Program (NTL)

The NTL Benefit Package Program provides liability coverage for property damage or bodily injury to a third party while your truck is used for non-business non-commercial purposes. If TOA’s NTL Benefits-Package Program’s eligibility requirements are satisfied, the insurance company will pay all sums an insured driver legally must pay as damages because of bodily injury or property damage to which the insurance applies, caused by an accident and resulting from the ownership, maintenance or use of a covered auto.

TOA Physical Damage Benefits Package Program (PD)

Our commercial Physical Damage Benefits Package helps cover the cost of repair or replacement of damaged commercial vehicles such as trucks and/or trailers and provides many additional related benefits.