Occupational Accident for California commercial trucking operators.
Provides medical, disability, and accidental-death coverage for owner-operators not eligible for workers' compensation.
Rate band pending. We have not yet extracted a public rate filing from California Department of Insurance for occ-acc in California. We will publish a sourced premium band on this page once the filing is reviewed by an expert reviewer. Carrier listings below are unaffected; they are sourced from the carriers' own appointment and license footprints.
Top carriers for occ-acc in California
| Carrier | Parent group | AM Best | Notes |
|---|---|---|---|
| Progressive Commercial | The Progressive Corporation | A+ (Superior) (verified 2026-04-27) | Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused. |
| Northland Insurance | Travelers Companies | A++ (Superior) (verified 2026-04-27) | Travelers' commercial trucking specialty unit. |
| Sentry Insurance | Sentry Insurance Group | A+ (Superior) (verified 2026-04-27) | Mutual carrier with deep trucking specialization; favors larger fleets and established carriers. |
| Berkshire Hathaway GUARD | Berkshire Hathaway Inc. | A++ (Superior) (verified 2026-04-27) | Multi-line carrier; trucking is one segment. Strong financial backing. |
| Acuity | Acuity Mutual | A+ (Superior) (verified 2026-04-27) | Mutual carrier with growing trucking footprint; midwest-anchored, expanding nationally. |
AM Best ratings are populated only when verified against ambest.com. Pending entries reflect that we have not completed verification, not that the carrier's rating is missing or weak.
What drives occupational-accident premiums in California
California occupational-accident coverage for owner-operators sits at the intersection of two complex policy frameworks: AB 5 contractor classification (which has reshaped how the FAAAA-preempted motor-carrier industry treats independent-contractor leased-on operators) and California's mandatory workers' compensation regime for employees. Owner-operators classified as employees under AB 5 fall under California WC; those operating under their own MC authority or covered by FAAAA-preempted lease structures may rely on occ-acc.
The California occ-acc rate environment reflects this complexity. Carriers writing occ-acc on California owner-operators frequently require lease-agreement documentation as a condition of binding, to confirm that the operator's classification supports occ-acc rather than WC. Operators whose lease structures are ambiguous under post-AB 5 case law may be quoted at elevated rates or declined.
California medical-cost trends are higher than the national average, which feeds into occ-acc medical-coverage pricing. Coverage limits for California owner-operator occ-acc typically run $500,000 medical / $250,000 accidental death / 70% of average weekly earnings disability, with some carriers offering higher medical limits as an option for an additional premium.
We have not yet extracted a public California Department of Insurance filing for occupational-accident coverage on owner-operators. The rate band on this page will publish once the filing has been extracted and reviewed by a California-licensed producer; until then the carrier table reflects the carriers we expect to write the line based on their published license footprints.
Sources
Reviewer attestation pending. The editorial body above is sourced but has not yet been signed off by a credentialed reviewer.
California-specific rules that move premium
California does not cap non-economic damages outside MICRA (medical malpractice). Recent legislation (AB 35, effective 2023) raised MICRA caps; commercial-vehicle exposure remains uncapped in non-medmal cases.
California surplus lines are placed through brokers licensed by the Surplus Line Association of California (SLA); 3% premium tax plus SLA stamping fee applies.
FMCSA jurisdiction: FMCSA Western Service Center (Lakewood, CO).
State regulator: California Department of Insurance.
Occ-Acc for specific DOT classes in California
Deep pages cover the operator profile, sampling assumptions, and rate band for a single product × state × DOT class. We publish deep pages only after the editorial body and reviewer attestation are complete.
Dispatched is a comparison and matching platform. In California, coverage is placed by licensed producers and bound by carriers appointed in CA; Dispatched does not bind coverage. Where we accept your contact information for a quote, that consent will be one-to-one with the named producer partner identified at submission.