Occupational accident insurance provides medical expenses and disability benefits for covered injuries when drivers on the Skipcart platform are either online or are completing deliveries on the platform.


We’re here to help you understand what you need, what is covered, and what to do in case of an accident.


Occupational Accident Benefits


Medical Expenses


Accident medical expense benefits up to a maximum benefit amount of $1,000,000.


Disability Payments


California Drivers


Temporary Total Disability payments equal to 66.66% of the Driver’s average weekly earnings, subject to minimum and maximum limits set by California’s Division of Workers’ Compensation.


Drivers in all other states


Temporary Total Disability payments equal 70% of the Driver’s average weekly earnings, up to a maximum weekly benefit of $500.


Death Benefits


For the benefit of spouses, children, or other dependents of Drivers, occupational accident insurance provides death benefits as a result of a covered accident.

 

Please note: All coverages are subject to policy terms, conditions, limitations, and exclusions.  Drivers with questions should feel free to contact Skipcart for more details.


FREQUENTLY ASKED QUESTIONS


What is occupational accident insurance?


Occupational accident insurance provides medical expenses and disability benefits for covered injuries while drivers on the Skipcart platform are online or are completing deliveries on the platform.  These benefits are designed to help reduce the financial impact of an accident on you and your family.


Do I need to sign up for insurance coverage? 


No, drivers on the Skipcart platform are eligible for occupational accident insurance coverage while they are using the Skipcart app and are online or completing a delivery.


Do I need to pay for occupational accident insurance? 


No, you do not need to pay for this occupational accident insurance coverage.


Does occupational accident insurance cover damage to my vehicle? 


No.  Occupational accident insurance coverage only applies to medical expenses and lost income resulting from injuries suffered while the Driver is using the Skipcart app and completing a delivery.


When should I report a claim? 


You may be eligible for coverage if an accident or injury occurs while you are logged into the Skipcart app during the following: 

    

  • Waiting for a delivery request


  • Picking up goods for deliveries

How do I report a claim? 

If you are injured as the result of an auto accident, report the accident through the Skipcart app, or fill out and submit a Claims Form.  If your injury resulted from any other incident, please contact Skipcart Support.  

Claims can also be reported 24 hours a day: 

I was logged into another app at the time of the accident.  Am I still eligible for coverage? 

You may be eligible for coverage under the occupational accident insurance policy if you are available to accept requests on different platforms at the same time, so long as you are logged into the Skipcart app.  

However, you are not eligible for occupational accident insurance benefits if you are online on the Skipcart app and have accepted a request from another company’s platform.