This coverage provides a layer of protection by providing defense to the Motor Carrier when a qualified Independent Contractor attempts to collect Workers' Compensation benefits as an employee. If the independent Contractor is deemed an employee, we will pay benefits equivalent to those payable under the Workers' Compensation statutes and Employer's Liability law that apply.

Contingent Liability is only available to Motor Carriers that currently sponsor a Great American Insurance Company Occupational Accident program.

*Coverage is underwritten by Great American E&S Insurance Company.