Workers' Compensation Insurance for Truckers
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Workers' Comp Coverage for Truckers
Workers' comp for truckers can be hard to find and expensive in many states. Over the past few years, a lot of national insurance companies have quit quoting coverage for long-haul trucking and limited their appetite for short-haul truckers. Other regional carries can't provide the coverage required when traveling into other states. A lot of owner operators end up paying higher rates for a State Fund policy.
We've been helping truckers find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed trucking programs designed to help you get the best rates and most flexible payment options.
We partner with the best carriers writing Trucking coverage.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Trucking Insurance Companies
AmeriSafe Insurance Company is a specialty carrier who write hard to place risks. They offer good rates and loss control services.
Accident Fund Insurance Company of America has a direct focus on writing workers' compensation insurance for truckers.
ICW specializes in workers compensation coverage for a broad range of well-managed industries and class codes.
Benchmark has competitive rates and they provide coverage for owner operators and short-haul trucking.
Normandy Insurance is a diverse, fast growing insurance company underwriting a broad range of risk classes and industries.
UBIC offers excellent rates as well as loss control resources for short haul and long haul truckers.
Pie Insurance is a new national insurance company. They have easy technology and offer low rates on trucking coverage.
SouthEast Leasing is an affordable alternative to buying workers comp from state fund carriers. They provide payroll work comp coverage.
Cimarron is a fast growing insurance company providing Pay As You Go coverage for most NCCI class codes.
Shop coverage like a Pro.
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:
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.
Alternative State Class Codes for Trucking:
Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.
| Class Code | State |
|---|---|
| 7196 | Milk Hauling | New Jersey |
| 7198 | Delivery Service | California |
| 811 | Trucking NOC | Delaware / Pennsylvania |
Related: short-haul, long haul, general freight transportation, gravel hauling, dumb truck, snow removal, scaffolding hauling, milk hauling, package delivery.
Workers Compensation Shop.com is a national Agency, licensed throughout the United States.
Get the Best Trucking Insurance Coverage
A lot of small trucking companies are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing trucking insurance since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National Trucker Insurance Expertise |
| More Markets for More Solutions We shop renewals too |
| Commercial Package Insurance Options |
What Does Workers' Comp Cover?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Lower Your Trucking Insurance Costs
The cost of business insurance has been increasing for small businesses. Trucking liability insurance and workers' comp have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for owner operators:
Workers' Compensation and Employers Liability
Trucking Liability Insurance
Inland Marine Coverage
Commercial and Personal Property
Umbrella Liability and more
Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.
Start a quote online or give one of our specialists a call at 888-611-7467.
How Much is Trucking Insurance?
The average rate our customers pay for workers' compensation under the the trucking class code is around $9.50 per $100 of payroll. The average cost for a truckers liability insurance policy is about $4,600.00.
Workers' Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of trucking can modify rates
- Premium discounts and policy credits may apply
Trucking Liability Costs
- GL rates for trucking are based on sales (rated per $1000)
- Gross revenue may affect pricing
- Hauling distance matters to underwriters
- Prior clams and years in business affect pricing
- SIC codes vary by industry
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How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
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Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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