# What does Occupational Accident Insurance cover for Wonoloers? (1099)

> This applies to Wonoloers working 1099 jobs on Wonolo   If youre taking a 1099 job youll be covered with Occupational Accident Insurance OAI unless you h

Source: https://support-1099.wonolo.com/en_us/what-does-occupational-accident-insurance-cover-for-wonoloers-1099-r1_lXVipgx

Last updated: 2025-11-28T23:51:53.109Z

_This applies to Wonoloers working 1099 jobs on Wonolo._  
  
If you're taking a 1099 job, you'll be covered with Occupational Accident Insurance (OAI) (unless you have secured your own insurance). This insurance helps to cover medical costs, lost earnings, and other benefits in case of any accidents that may happen while taking a 1099 job that you accepted from the Wonolo App.  
   
OAI is a popular, industry-standard way for contractors in the US to get coverage. It offers benefits in case of accidents to workers who are not employed by anyone, making it different from Workers’ Compensation, which is linked to an employer. OAI, however, can be bought and applied to an independent contractor.  
  
Wonoloers are responsible for promptly notifying Wonolo of any incidents and submitting any applicable claims. Requestors are asked to report any incidents within 5 days of the job completion date.  
  
**Washington State**  
Wonolo’s supplemental OAI does not apply to engagements in Washington State. Workers’ Compensation may apply instead. For the policy details, check [this](https://info.wonolo.com/accepting-requests-and-performing-engagements-in-washington-state/) out.  
   
OAI includes coverage for the following:

Accident Medical Expense

*   $1,000,000 maximum benefit as per policy schedule per person/accident
*   Up to 104 weeks payment period limits of insurance
*   $1,000 dental benefit maximum

Accidental Death Benefit

*   $90,000 principal sum with a $10,000 payable lump sum, 365-day commencement period

Survivor’s Benefit

*    $90,000 principal sum
*    1 percent monthly benefit percentage of principal sum
*    $900 monthly benefit amount

Accidental Dismemberment

*   $100,000 principal sum, 365-day commencement period

Accidental Paralysis Benefit

*   $100,000 principal sum, 365-day commencement period

Physical, Occupational or Work Hardening Therapies

*   $1,000 per injury Mental and Nervous or Depressive Condition
*   1 visit per day to a maximum of $25 per visit and 20 visits per accident

  

Policy notes: What’s covered, what’s not, and where it’s available can be different depending on your state. This page gives a short summary — if anything is different, the official policy document is what applies.