Occupational Accident for Illinois 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 Illinois Department of Insurance for occ-acc in Illinois. 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 Illinois
| 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. |
| Acuity | Acuity Mutual | A+ (Superior) (verified 2026-04-27) | Mutual carrier with growing trucking footprint; midwest-anchored, expanding nationally. |
| Sentry Insurance | Sentry Insurance Group | A+ (Superior) (verified 2026-04-27) | Mutual carrier with deep trucking specialization; favors larger fleets and established carriers. |
| Northland Insurance | Travelers Companies | A++ (Superior) (verified 2026-04-27) | Travelers' commercial trucking specialty unit. |
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 Illinois
Illinois occupational-accident coverage for owner-operators leased onto motor carriers operates within a relatively stable framework. Illinois requires workers' compensation for employees, but bona fide independent-contractor owner-operators leased on under valid lease structures rely on occ-acc rather than WC. Illinois carrier lease agreements typically require occ-acc as a condition of the lease.
The Illinois occ-acc rate environment reflects two factors. First, medical-cost trends in Cook County are elevated relative to downstate Illinois, which feeds into occ-acc medical-coverage pricing for operators routing the Chicago metro. Second, Illinois injury severity in Cook County GL and primary-liability claims has historically been elevated, and while occ-acc isn't directly affected by the venue dynamic (occ-acc claims are between the operator and the occ-acc carrier, not third-party tort claims), the loss-environment context informs underwriter appetite.
Coverage limits for Illinois owner-operator occ-acc follow industry standards: $500,000 medical / $250,000 accidental death / 70% of average weekly earnings disability. Higher limits are available as options. Illinois operators considering whether to elect higher medical limits should consider their typical routing — operators with substantial Cook County exposure may benefit from elevated medical limits.
We have not yet extracted a public Illinois Department of Insurance 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.
Illinois-specific rules that move premium
Illinois retains pure several liability for non-medical-malpractice cases and has no general cap on non-economic damages. Cook County jury venues are widely tracked by motor-carrier underwriters as a high-severity environment, materially affecting Class 8 long-haul primary liability rates for risks operating in or transiting the Chicago metro.
Illinois surplus lines are filed through the Surplus Line Association of Illinois (SLA-IL); 3.5% premium tax plus 0.075% SLA-IL stamping fee applies.
FMCSA jurisdiction: FMCSA Midwestern Service Center (Olympia Fields).
State regulator: Illinois Department of Insurance.
Occ-Acc for specific DOT classes in Illinois
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 Illinois, coverage is placed by licensed producers and bound by carriers appointed in IL; 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.