Name: Workers' Compensation Insurance for Truckers
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Why do Truckers need
Workers' Compensation Insurance?

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.

Common trucking injuries

Injuries from auto accidents
Muscle strains
Slips and falls
Repetitive strain injuries
Overexertion

Protect your Workers!

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.

What type of injuries does
Workers' Comp Insurance cover?

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 an active Truckers workers' comp policy, they do not need to pay anything towards the bills.

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.

What will Trucker Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Truckers cost?

What's the cost based on?

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.

Common Classifications for Truckers

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.

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Truckers?
Get a hassle-free instant quote & get coverage in under 10 minutes.

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.

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Helpful tips to save money

Choosing Trucker insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor 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! Our Trucker Workers’ Compensation Audit Checklist can help.

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! A Trucker Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Truckers

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

As an owner-operator truck driver, do I really need workers' comp?

It may not be required by law, but your contracts with clients or carriers may necessitate workers' compensation insurance.‍

Do you provide coverage for hauling hazmat? ‍

We are unable to provide coverage for hauling hazardous materials. In such cases, you may need to seek coverage from the state fund.

If I hire lumpers to load and unload, do I need to cover them? ‍

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.

If I don’t have a US DOT number, can I still get workers’ comp trucking insurance?

Yes, it would depend on the scope of your operations.

State laws on Workers' Comp for Truckers

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
‍

Choose your state from the dropdown to learn more.

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for trucking insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

Workers' Compensation Insurance for Truckers

Policies for Truckers and Trucking Companies