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An accident can have a serious economic impact on owner-operators and their families as well as leave a motor carrier liable for the losses. AIG’s Truckers Accident Insurance is customized specifically for motor carriers, owner-operators and contract drivers and covers eligible on-the-job accidents that drivers sustain while under dispatch.

Our plans can be a valuable supplement to liability coverage as well as an alternate coverage option for groups who may not be covered under an organization’s general liability or workers’ compensation plan.

Features & Benefits

  • Helps motor carriers contain costs while offering competitive benefits that help attract and retain dependable drivers
  • Helps mitigate an organization’s reputational and liability risks should an unexpected accident or injury occur; benefits are paid regardless of fault
  • Flexible programs are tailored with specific features valued by drivers
  • Drivers have confidence that medical and financial needs will be met if a covered accident occurs
  • Benefits are paid directly to truckers or their survivors
  • 24/7 travel assistance services provides around-the-clock support wherever drivers venture
  • Helps organizations fulfill their commitment to their employees’ well being


  • Accidental Death and Dismemberment (AD&D)
  • Accidental Para-Medical Expense Reimbursement
  • Temporary Total Disability
  • Continuous Total Disability
  • A broad range of other benefits are available, including benefits for rehabilitation, in-hospital stays, seat belt/air bag use, repatriation, home alteration, and vehicle modification

Coverage Highlights

We can offer customized insurance solutions for motor-carriers to support their specific needs. Click below to learn more about each of our coverage options.

Provides a lump sum payment for a covered accident that result in a loss of life, limbs, speech, hearing or sight. An affordable benefit for covered individuals for which the sponsor pays the plan cost.

When unforeseen accidents occur, those affected may need a wide range of services ranging from ambulance transport and physiotherapy to rental of mobility aids. Our Accidental Para-Medical Expense benefit can help injured members pay for additional medical needs that may not be covered under provincial health plans, such as ambulance services, semi-private hospital rooms, mobility aids, private duty nursing, prescription drugs*, and para-medical services.

* Not available in the province of Quebec 

Pays monthly cash benefits for the duration of an insured’s hospital stay due to a covered accidental injury. Supplements provincial hospital coverage and helps protect against unforeseen costs such as parking and transportation costs, child care, and private accommodations.

  • Home Alteration and VehicleModification to make an insured’s residence or vehicle habitable and wheel-chair accessible as a result of a covered accident
  • BurnBenefit for insureds who suffer severe burns as a result of a covered accident
  • Bereavement benefit to pay for covered grief counselling expenses for the insured and his/her family members if the insured suffers a covered accident

Assistance Services

Through AIG’s wholly-owned global assistance company, we offer a broad spectrum of assistance services that can be integrated into any of the programs we provide. Our services are delivered through an international network of wholly-owned assistance centres that operate 24/7 and that are staffed with doctors and nurses as well as multi-lingual/multi-cultural specialists who coordinate assistance services.We offer a comprehensive range of medical, travel, security and personal assistance services, including:

We offer a comprehensive range of assistance services, including:

  • assistance with locating preferred fuel prices
  • alternate route advisories
  • truck towing referrals
  • ATM locations finder
  • local entertainment
  • physician referrals
  • medical assistance
  • restaurant information
  • identity theft assistance services