Accidental Death and Disability
We have two separate notions here:
1) accidental death and Disability
śmierć lub inwalidztwo wskutek nieszczęśliwego wypadku
2) common operator = a term not known. I assume it means common carrier, in particular, travel by public means of transportation, such as an airplane.

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Accidental Death and Disability: A term used to describe a policy that pays additional benefits to the beneficiary if the cause of death is due to a non-work-related accident. Fractional amounts of the policy will be paid out if the covered employee loses a bodily appendage or sight because of an accident.
https://www.trustmark.com/fbbiglossaryofterms

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common operator does not appear to be a standard term,

Common carrier is an an accepted term = Przewoźnik

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Przewoźnik – osoba fizyczna lub prawna oferująca ogółowi społeczeństwa transport w ramach usług regularnych lub okazjonalnych
https://pl.wikipedia.org/wiki/Przewoźnik

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A common carrier in common law countries (corresponding to a public carrier as it may be presented in some civil law systems,[1] usually called simply a carrier)[2] is a person or company that transports goods or people for any person or company and that is responsible for any possible loss of the goods during transport.[3] A common carrier offers its services to the general public under license or authority provided by a regulatory body. The regulatory body has usually been granted "ministerial authority" by the legislation that created it. The regulatory body may create, interpret, and enforce its regulations upon the common carrier (subject to judicial review) with independence and finality, as long as it acts within the bounds of the enabling legislation.
https://en.wikipedia.org/wiki/Common_carrier