Florida Workers' Compensation Insurance for Trucking Companies

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

Policies for Truckers, Trucking Companies, and Owner Operators

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Why do Truckers in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Running a trucking business in Florida comes with unique challenges, from navigating heavy traffic to managing long hauls across diverse terrains. Drivers face daily risks, including accidents, equipment malfunctions, and health issues due to long hours on the road.

Workers’ compensation insurance protects your team if they’re injured on the job and shields your business from costly medical expenses and potential lawsuits. Make sure your trucking operations are covered when things don’t go as planned.

Common Trucking injuries

Falls – While working on trailers, using ladders, or unloading at delivery sites.
Back injuries – Lifting heavy items or climbing into high truck cabs.
Vibration injuries – Extended hours in the driver’s seat can strain the neck and back.
Impact injuries – From being struck by moving equipment or loose cargo.
Repetitive strain injuries – Prolonged steering or gear shifting causes wrist and shoulder pain.

Workers' Comp for Truckers in Florida: Legal Requirements

Operating a trucking business in Florida presents unique challenges, from navigating heavy traffic to managing long hauls across diverse terrains. Your drivers face daily risks, including accidents, equipment malfunctions, and health issues due to long hours on the road.

Workers’ compensation insurance protects your team if they’re injured on the job and shields your business from costly medical expenses and potential lawsuits. Ensure your trucking operations are covered when things don’t go as planned.

Additionally, having such coverage can enhance your business prospects, as many clients and larger carriers prefer or even require their contractors to have adequate insurance before entering into agreements.

Stay safe and keep your business moving forward with the right workers' compensation coverage in place.

Common types of Trucking workers we can insure in Florida

Parcel or Package Delivery

Snow Removal

Trucking Local

Trucking Long Distance

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

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

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Trucking Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Truckers in Florida cost per month?

The average workers' compensation rate for trucking companies in Florida is $4.90 per $100 of payroll. This equals approximately $230 per month per driver. However, these rates can vary based on factors such as your company's claims history and the specific nature of your operations. For more detailed information on how workers' compensation rates are determined for trucking companies, including factors that could influence your costs, check out our guide: Workers’ Comp Rates for Trucking Companies.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry in Florida.

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 Florida Trucking

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.

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Trucking business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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 in Florida

I’m an owner-operator, and my carrier requires me to get workers’ comp, but I don’t have any employees. What should I do?

A potential solution is to get a ghost policy. A ghost policy is typically less expensive than a standard workers’ comp policy, as it provides coverage without including employee wages. However, make sure your carrier allows ghost policies before opting for this solution.

I own a logistics company that delivers and installs household appliances. Would I get a trucker policy?

No, you wouldn’t. Your classification is 9519, which covers electrical appliance installation and drivers. This requires a separate policy specific to your operations, not a standard trucking policy.

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Learn more about Trucking Insurance

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Workers’ Compensation Rates for Truckers 2025

Do Trucking Companies need Workers' Comp?

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for trucker 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

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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