Embedded IC coverage
Occupational Accident
On-the-job protection for your contractors.
Occupational Accident (OA) coverage for your independent contractors (ICs), offered through Parallax Insurance Services and underwritten by Great American on an admitted policy form. Subject to underwriting.
What your contractors get
A+ (Superior) carrier.
Great American, rated A+ by AM Best.
$1M medical, $0 deductible.
No pre-authorization needed to start treatment.
Disability income.
70% of weekly earnings, $200 to $700 a week.
$250,000 accidental death.
Survivors: $50K + $2K a month, up to 100 months.
Helpers covered too.
Contractors and their helpers, ages 21 to 70.
Extra riders built in.
Occupational disease, trauma and assault benefits.
Maximize on-the-job protection
Occupational Accident covers your contractors. Workers' Compensation covers your W-2 staff. Contingent Liability protects you when an enrolled contractor sues you for workers' comp benefits. Together they cover everyone working for you.
Occupational Accident
Up to $1M in medical coverage for your contractors.
Contingent Liability
Workers' comp-equivalent benefits if a contractor is ruled your employee.
Workers' Compensation
Benefits as set by your state's law, plus employers' liability.
Why you need it
It's the right thing to do.
Your contractors have protection when they need it most.
Help with recovery.
$0 deductible, with no sublimit on chiropractic or physical therapy.
It fits how you work.
Coverage runs through GigSafe alongside your contractor settlements.
How it works
- 1
Quote
Send contractor counts, settlement or mileage data, and your IC agreement. Most quotes return within a few business days.
- 2
Enroll
Sign the application and coverage starts on your effective date.
- 3
Report
Report your exposures and we handle the rest.
- 4
Claims
Report an injury to GigSafe. The carrier pays benefits directly to the contractor.
Filing a claim: Report an accident as soon as practicable.
Underwriting criteria
Common questions
Is this workers' comp?
No. OA pays benefits to your contractors and does not duplicate workers' comp. Anything paid twice must be reimbursed.
What about long-term disability?
After 104 weeks, continuous total disability can pay 70% of weekly earnings up to Social Security retirement age.
When does coverage apply?
Only while performing services under your contract. Commuting, personal errands and work on other platforms are excluded.
Who is not covered?
Contractors under 21 or over 70, micromobility, Canadian drivers, and your W-2 staff (that's workers' comp).
Need workers' comp too?
Yes, it's available. Traditional workers' comp for your W-2 staff can be quoted through the same program.
Notes
- 1 Earnings from your platform, minus fees withheld, over the 28 days before the accident, divided by four.
- 2 California (Prop 22): 66%, weekly limits set by CA Labor Code 4453, and $1.5M medical.
This page is a summary, not a policy. Coverage is subject to underwriting and to the terms, conditions and exclusions of the policy issued.
Ready to get Occupational Accident?
A Parallax specialist reviews every application and follows up with your quote.