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.

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.

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.

Workers' Compensation Insurance for Truckers

Class Code 7219

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.

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.

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


licensed throughout the United States

How Does Workers' Comp Work?

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.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

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.

  • 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
  • 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

How do I get started?

Here's what we need from you

What Happens Next?

We go find for your best price

We've developed affordable insurance programs for Trucking.