Workers’ Compensation
Protect employees, meet state requirements, and keep your operation compliant. Tell us where you hire, your class codes, and payroll. We’ll tailor WC for your growth plan.
WHAT IS WORKERS’ COMP?
Workers’ Compensation provides benefits for job-related injuries and illnesses. It’s required when you employ drivers or staff, and it’s critical for protecting your team and your business.
KEY POINTS
Statutory medical and wage benefits for employees
Employers Liability (stop-gap) where applicable
Multi-state policy coordination for expanding fleets
Safety & loss-control integration to help lower claims
UNDERSTANDING TRUCKING WORKERS’ COMP COSTS
Workers’ compensation premiums for trucking companies are calculated based on:
- Payroll: Your total employee wages by classification
- Class codes: Long-haul drivers, local delivery, warehouse operations each have specific codes
- Loss history: Your claims experience affects future rates
- State rates: Each state sets its own base rates and rules
Trucking class codes typically include 7219 (trucking—long distance), 7380 (trucking—local), and various codes for warehouse, office, and maintenance staff. Accurate classification ensures proper coverage and pricing.
WHO NEEDS WORKERS’ COMPENSATION IN TRUCKING?
- Statutory medical and wage benefits for employees
- Employers Liability (stop-gap) where applicable
- Multi-state policy coordination for expanding fleets
- Safety & loss-control integration to help lower claims
Common scenarios requiring trucking workers’ comp:
Motor carriers with employed CDL drivers
Fleets with office staff, dispatchers, or administrative personnel
Companies with warehouse or yard workers
Trucking operations with maintenance and repair employees
State requirements vary, and some states mandate coverage even for single-employee operations. Our agents help you navigate multi-state compliance as your fleet expands into new territories.
FAQ
Most Asked Workers Compensation Trucking Insurance Questions
Do owner-operators need WC?
Requirements vary by state and arrangement. Some carriers use Occupational Accident for qualifying contractors.
Can you help across multiple states?
Yes—we structure programs for interstate fleets and new terminals.
What's the difference between Workers' Comp and Occupational Accident?
Workers’ Compensation is statutory insurance for W-2 employees, required by most states. Occupational Accident is an optional coverage for independent contractors (1099) and is not a substitute where WC is legally required