Amwins Specialty Casualty Expands Occupational Accident Program with New Tiers

• By: Will Jones
• September 28, 2026

PRODUCTS: ASCS OccAcc Advantage; ASCS OccAcc Essentials.

COMPANIES: Amwins Specialty Casualty Solutions (ASCS).

BEST RATING: A

AVAILABILITY: Appointed agents and brokers only.

FOCUS: The ASCS Occupational Accident program provides coverage designed for independent contractors who may not be eligible for traditional workers compensation coverage. The product responds to a growing need in the marketplace for flexible, cost-effective protection for businesses that utilize independent contractors across transportation, construction, healthcare and other industries.

The recent enhancements to the occupational accident program expand its capabilities by offering two distinct coverage options. ASCS OccAcc Essentials provides a streamlined, cost-effective solution that delivers core occupational injury benefits, while ASCS OccAcc Advantage offers enhanced benefit options and greater flexibility for clients seeking broader protection for their independent contractors. This tiered approach allows agents and brokers to better align coverage with each client’s operational needs, workforce profile and budget.

COVERAGE DETAILS: Coverage highlights include a comprehensive suite of occupational injury benefits designed for today’s independent contractor workforce. Core coverages include accidental death and dismemberment (AD&D), accident medical expense reimbursement, temporary total disability benefits, permanent total disability benefits, contingent liability coverage and optional nonoccupational or 24-hour coverage where permitted.

For clients seeking broader protection, ASCS OccAcc Advantage offers enhanced coverage through customizable endorsements, including occupational disease, occupational cumulative trauma, hernia coverage and emergency evacuation benefits.

UNDERWRITING: High-level underwriting considerations include the insured’s operations, contractor count, contractor classification, state exposure, historical loss experience, safety controls, contract structure, benefits requested and any applicable contingent liability exposure.

Pricing is based on the exposure profile, class of business, benefit structure, geography and loss experience. Minimum premium will vary based on class, size and program structure.

TARGET: Any operation that relies on independent contractors as part of its workforce. Specifically, transportation, construction and healthcare.

COVERAGE AVAILABILITY: All U.S. states except North Carolina, Nevada and New Jersey.

CONTACT: Nancy Timmons, vice president, Amwins Specialty Casualty Solutions; 317-806-8312.

Will Jones is IA editor-in-chief.