Occupational Accident for Georgia 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 Georgia Office of Commissioner of Insurance and Safety Fire for occ-acc in Georgia. 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 Georgia
| 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. |
| Great West Casualty | Old Republic International | A+ (Superior) (verified 2026-04-27) | Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services. |
| Canal Insurance | Canal Holdings | A- (Excellent) (verified 2026-04-27) | Trucking specialty since 1939; non-standard risks accepted. |
| 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. |
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 Georgia
Georgia occupational-accident coverage for owner-operators leased onto motor carriers operates within a stable regulatory framework. Georgia requires workers' compensation for employers with three or more employees, but bona fide independent-contractor owner-operators are not subject to the WC mandate. Georgia carrier lease agreements typically require occ-acc as a condition of the lease, with limits aligned to industry standards.
The Georgia occ-acc rate environment reflects two factors. First, Atlanta's role as the Southeast freight nexus concentrates owner-operator activity in metropolitan operations with elevated traffic-density exposure on I-75, I-85, I-20, and I-285. Underwriters writing Georgia occ-acc may apply higher classification factors for operators with substantial Atlanta-metro routing relative to operators running primarily rural Georgia or interstate long-haul.
Second, Georgia's 2025 SB 68 / SB 69 tort reform package indirectly affects occ-acc. While occ-acc is not subject to the same tort-reform dynamics as primary liability or GL (occ-acc claims are between the operator and the occ-acc carrier, not third-party tort claims), the broader Georgia loss environment informs carrier appetite. Coverage limits for Georgia owner-operator occ-acc typically follow industry standards: $500,000 medical / $250,000 accidental death / 70% of average weekly earnings disability.
We have not yet extracted a public Georgia Office of Commissioner of Insurance and Safety Fire filing for occupational-accident coverage on owner-operators. The rate band will publish once a filing is reviewed.
Sources
Reviewer attestation pending. The editorial body above is sourced but has not yet been signed off by a credentialed reviewer.
Georgia-specific rules that move premium
Georgia SB 68 and SB 69 (2025) reformed the negligent-entrustment standard, attorney advertising rules, and seatbelt-evidence admissibility — all of which were targeted at commercial-vehicle litigation costs. The legislation is widely viewed as moderately favorable for primary liability rates compared to the pre-reform environment, particularly for fleet risks operating in metro Atlanta.
Georgia surplus lines are filed through the Georgia Surplus Lines Association (GSLA); 4% premium tax plus statutory fees apply.
FMCSA jurisdiction: FMCSA Southern Service Center (Atlanta).
State regulator: Georgia Office of Commissioner of Insurance and Safety Fire.
Occ-Acc for specific DOT classes in Georgia
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 Georgia, coverage is placed by licensed producers and bound by carriers appointed in GA; 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.