Trucking & Transportation Workers' Comp
Workers' Comp That Keeps Your Fleet Moving
Specialized coverage for trucking companies, delivery services, couriers, and freight operations. Competitive rates in 23 states.
Workers' Compensation for Trucking & Transportation
Workers' compensation insurance for trucking companies is a policy that covers medical expenses, lost wages, and disability benefits for truck drivers, delivery personnel, and warehouse employees injured on the job from vehicle accidents, loading injuries, and repetitive strain. Trucking workers' comp rates typically range from $5-$15 per $100 of payroll depending on the type of hauling, with long-distance operations generally costing more than local delivery. A small trucking company with $400,000 in driver payroll might pay $20,000-$60,000 annually. Multi-state operations add complexity because coverage follows the employee's home terminal state, not the route driven. We match trucking companies with carriers who specialize in transportation risks to get competitive rates even for complex operations.
Why Trucking & Transportation Need Workers' Comp
- ! DOT and FMCSA compliance often requires workers' comp documentation
- ! Drivers face high injury risk from accidents, loading/unloading, and repetitive strain
- ! Multi-state operations require coverage that follows your drivers
- ! Loading dock and warehouse employees face significant physical risks
- ! Broker and shipper contracts typically require certificates of insurance
Common Trucking & Transportation Claims
- ⚠ Vehicle accidents and collisions
- ⚠ Back injuries from loading and unloading freight
- ⚠ Slips and falls getting in and out of cabs
- ⚠ Repetitive motion injuries from long driving hours
- ⚠ Injuries from securing loads (strapping, tarping)
- ⚠ Dock and warehouse lifting injuries
Workers' Comp Class Codes for Trucking & Transportation
The correct class code determines your premium rate. We'll assign the right code for your state and operations.
| Code | Description | Notes |
|---|---|---|
| 7219 | Trucking NOC; Tow Trucks | — |
| 7228 | Trucking; Local Hauling Only | — |
| 7229 | Trucking; Long Distance Hauling | — |
| 7230 | Trucking; Palletized Freight Only | — |
| 7232 | Trucking — Mail, Parcel, or Package Delivery Under Contract | — |
| 7380 | Drivers NOC | — |
| 7350 | Freight Handling NOC | — |
What Affects Your Trucking & Transportation Workers' Comp Cost?
Type of hauling — long distance vs. local, freight type
Total payroll for drivers and non-driving employees
DOT safety record and CSA scores
Claims history and experience mod
Number of states where drivers operate
Fleet size and driver hiring practices
Frequently Asked Questions
How much does workers' comp cost for a trucking company? +
Trucking workers' comp rates typically range from $5-$15 per $100 of payroll depending on the type of hauling and your claims history. A small trucking company with $400,000 in driver payroll might pay $20,000-$60,000 annually. We shop specialized transportation carriers to find the best rates.
Do owner-operators need workers' comp? +
Requirements vary by state. In some states, owner-operators with no employees can exempt themselves. However, many brokers and shippers require a workers' comp certificate before dispatching loads. We can set up an owner-only policy to keep you working.
How does multi-state coverage work for trucking? +
Workers' comp follows the employee, not the truck. You need coverage in the state where employees are based. For drivers operating across state lines, the policy typically provides coverage based on their home terminal state. We structure your policy correctly for multi-state operations.
What class code do delivery drivers use? +
It depends on the type of delivery. Local package delivery under contract uses 7232. General local hauling uses 7228. Long-distance hauling uses 7229. Misclassification can mean overpaying — we assign the correct code.
Trucking & Transportation Workers' Comp — Available in 23 States
We're licensed to provide workers' compensation quotes in the following states:
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