Workers' Compensation Insurance for Truckers

Workers' Compensation Codes Related to Trucking

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 7219 | Trucking

Trucking companies transport general merchandise from their location to other destinations. These owner-operators and companies typically haul for others under contract. Class code 7219 may also apply to sand and gravel haulers, snow removal, automobile hauling, mobile home delivery, dump truck operators and ready-mix operations when the business owner does not own the quarry or materials being hauled.

It's common for trucking companies to maintain terminals and loading platforms so merchandise can be stored temporarily while in transit to the final destination. Most employees within a trucking operation fall under class code 7219. This includes terminal employees and mechanics.

Class Code 7230 | Trucking- Package Delivery

When a trucking company only delivers merchandise from a retail store to retail store customers, they may fall under class code 7230. The size or weight of the packages does not matter. However, these businesses can't provide any other general trucking services.

Class Code 7231 | Mail, Parcel or Package Delivery

Companies that deliver small packages and items on a local basis typically fall under class code 7231. Delivery is done under contract with another private enterprise such as UPS, FedEx or Amazon. Activities are similar to those provided by the Postal Service.

See Also:

Amazon DSP Delivery

Class Code 7380 | Drivers and Messengers

Class code 7380 is intended for drivers who are not employed by a public transportation service and do not better fit another class code. Work performed may include the delivery of telephone directors or advertisements. Courier delivery by bicycle and document shredding is included under this class in most states.

Class Code 7232 | Trucking- US Postal Service Contract

Trucking companies contracted with the US Postal Service belong under this classification. It includes intra-state and inter-state hauling as well as the delivery of individual mail with small vehicles.

Related: short-haul, long haul, general freight transportation, gravel hauling, dumb truck, snow removal, scaffolding hauling, milk hauling, package delivery.