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These drivers enter an agreement under which they are considered to be independent contractors and the owners of their own trucks. Some motor carriers, owner-operations, and contractors voluntarily choose to carry Occupational Accident Insurance.WC covers medical expenses, disability payments, death benefits, and lost wages in a workrelated injury or illness. Contingent Liability commercial truck insurance. This coverage is for motor carriers that have a group leased operator occupational accident program. Before operating the Equip- ment under this Agreement, Contractor must provide Carrier with a copy of a declarations page or, for state-fund coverage, a docu-. They are exempt from state workers compensation. StreetsLA's Standard Provisions for Offer of Work. Determining the total number of employees for coverage requirements. A properly prepared motor carrier lease agreement provides a detailed list of requirements for the trucking company and the owneroperator.