What is Occupational Accident Insurance (OAI)?

Occupational Accident Insurance (OAI) is similar to worker’s compensation in that it covers medical expenses related to accidents that may occur while providing services.

OAI is designed to cover medical expenses and related benefits, including death, for accidental injuries arising out of the course and scope of the work undertaken.

OAI does not cover any work related illnesses and lost wages.

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What is Occupational Accident Insurance?

OAI is designed to cover for medical expenses, lost wages, & related benefits including death, for accidental injuries arising out of the course and scope of the work undertaken. OAI does not cover any work-related illnesses.

Why do I need Occupational Accident Insurance?

In some cases, if you get hurt on the job, your general health insurance will not cover your injuries. It also will not cover your wages should the injury put you out of work for an allotted period of time. OAI provides these extra layers of protection while you are on the job.

Is there a charge for Occupational Accident Insurance?

Yes. A small charge for OAI is based on usage at a rate of $0.55/hour for out-of-car work and $0.60/hour for in-car work.

Effective March 15, 2016, OAI will be automatically deducted from your pay, identified as a line item for “Trust and Safety Fee”. 

How do I qualify for Occupational Accident Insurance on the Wonolo platform?

Any independent contractor automatically qualifies for OAI while performing services on the Wonolo platform.

How do I sign up for Occupational Accident Insurance?

You've automatically signed up for OAI.  It’s part of our Terms of Service.

What if I get injured while working and have to take an ambulance to the hospital; will my OAI cover the trip?
 
There is a benefit under your OAI policy that includes 1 round trip to and from a hospital to a Maximum of $1,000 per accident or $7,000 for an air ambulance.

Whom do I notify if I have an accident while on a job?
If you sustain injuries while in the course of work, this is inclusive of a slip & fall, car pickup and drop off, en route or a delivery,
 
Email ondemandcf@onebeacon.com for further assistance or call 1-877-441-6274 

If asked for a policy number, what do I provide?
Reference Policy Number: #216002175
 
What will my benefits be under the Occupational Accident Insurance program? 
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Will I have any out-of-pocket expenses if I have an accidental injury on a job?
 
No, there are no deductibles on the benefits described above. 
 
 
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