Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Accidents are an unavoidable risk in the trucking industry. Workers' compensation insurance for truckers provides coverage for medical expenses, lost wages, death benefits, and legal costs in the event of an on-the-job injury. This insurance acts as an important safety net, offering peace of mind and financial protection for both truckers and their employers in case of accidents.
Whether it's a highway collision, a fall from a truck's cab, or the strain of long-haul driving, the need for workers' compensation insurance for truckers is critical.
Kickstand Insurance offers tailored workers' comp policies for trucking and transportation companies, designed to provide peace of mind and financial protection in the event of an injury.
Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.
If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.
Since the company had a workers' comp policy, they do not need to pay anything towards the bills.
The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.
The rate is based on the level of risk for that job description.
Premiums are primarily calculated by using your payroll numbers and your NCCI class code.
7219 - Trucking Local and Long Distance*
7219 - Snow Removal
7228 - Trucking - Local Hauling Only & Drivers (VA only)
7229 - Trucking - Long Distance Hauling & Drivers (VA only)
7230 - Trucking: Parcel or Package Delivery
7231 - Mail, Parcel or Package Local Delivery & Courier or Messenger Service Companies
7232 - Trucking: Mail Parcel or Package Delivery-Under Contract With The U.S. Postal Service-All Employees & Drivers
Note: Until 2018, workers' comp class codes for trucking businesses were based on the radius covered. However, in 2018, the NCCI consolidated local truck driving and long-haul driving into a single workers' comp class code for trucking businesses.
Truckers face numerous risks on the road, from long hours behind the wheel to the physical demands of loading and unloading. A single injury or accident can have devastating effects on a small trucking company.
Make sure your employees and their families are protected by a trucker’s insurance company that will help them get back to work quickly. Start your instant quote today to find out the cost of trucking insurance for your company.
Classify your workers correctly
For example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.
Report every incident
- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
Prepare for your audit
Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later!
Certificates are usually issued 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.
It may not be required by law, but your contracts with clients or carriers may necessitate workers' compensation insurance.
We are unable to provide coverage for hauling hazardous materials. In such cases, you may need to seek coverage from the state fund.
Yes, if you hire lumpers for loading and unloading, it's crucial to ensure that they are covered. Be sure to notify your agent about this arrangement.
Yes, it would depend on the scope of your operations.
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