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.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Trucking Insurance Companies

AmeriSafe Workers Compensation Insurance Roofing-Trucking.

AmeriSafe Insurance

AmeriSafe Insurance Company is a specialty carrier who write hard to place risks. They offer good rates and loss control services.

AmeriSafe Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers' compensation insurance for truckers.

Accident Fund

State Auto is a national insurance company that quotes workers comp in most states.

ICW Group

ICW specializes in workers compensation coverage for a broad range of well-managed industries and class codes.

State Auto

Benchmark Workers Compensation Insurance Coverage.


Benchmark has competitive rates and they provide coverage for owner operators and short-haul trucking.

Benchmark Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Normandy Insurance

Normandy Insurance is a diverse, fast growing insurance company underwriting a broad range of risk classes and industries.

Normandy Insurance

UBIC specializes in tough work comp class codes including home health and heavy construction.

UBIC Insurance

UBIC offers excellent rates as well as loss control resources for short haul and long haul truckers.

UBIC Insurance

Pie Workers' Compensation Insurance.

Pie Insurance

Pie Insurance is a new national insurance company. They have easy technology and offer low rates on trucking coverage.

Pie Insurance

SouthEast Leasing Workers' Compensation Insurance

SouthEast Leasing, Inc.

SouthEast Leasing is an affordable alternative to buying workers comp from state fund carriers. They provide payroll work comp coverage.

SouthEast Personnel Leasing

Cimarron Insurance Company writes hard to place workers comp in most states.

Cimarron Insurance

Cimarron is a fast growing insurance company providing Pay As You Go coverage for most NCCI class codes.

Cimarron Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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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.

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 is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation 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?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • 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.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • 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.

Get Started Now

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?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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