Workers comp for truck drivers.
The moment a driver goes on payroll, the exposure changes. Workers comp pays medical bills and part of the lost wages after a work injury, and shipper contracts ask for it by name.
- Statutory limits by state
- Occupational accident alternative
- Payroll-based audits handled
Workers compensation
Where the line falls
Once you put a driver on payroll, workers compensation is mandatory in most states and required by nearly every shipper contract. It pays medical bills and a portion of lost wages after a work injury and shields the company from a direct injury lawsuit. We also place occupational accident coverage for 1099 owner-operator fleets.
The line: the driver is on your payroll
This side — Workers compensation
A W-2 employee hurt on the job — a driver, a yard hand, or office staff.
The other side
A 1099 owner-operator is not your employee, so workers comp is not the instrument. Occupational accident coverage is placed for those fleets instead.
Talk to an agentWhat it answers for
- 01 Medical care after a work injury
- 02 A portion of wages lost while the employee recovers
- 03 The employer protection that comes with a compensable claim
- 04 Payroll-based audits at the end of the term
Who asks for it
- 01 State law, in most states, once you put a driver on payroll
- 02 Shipper and broker contracts that name workers compensation
- 03 Facilities that verify coverage before allowing employees on site
Quote desk
Send it once. We market it to every carrier.
Give us the operation details and your MC or USDOT number. An agent pulls your safety profile, shops the risk across our markets, and comes back with real numbers.
We brought back what you entered last time, on this device only.
Get covered
Tell us what you haul. We will build the policy around it.
(713) 904-4970 · insurance@truckingservice.net