Workers' Compensation
Insurance for Trucking
Companies
Protect your drivers, employees, and your business with workers' compensation designed specifically for trucking and transportation companies.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Who Needs Coverage
Who Needs Workers' Compensation?
Any trucking company with employees is typically required by state law to carry workers' compensation. Whether you run one truck with a helper or a 50-unit fleet, the requirement applies to you.
What's Covered
What Workers' Compensation Covers
Workers' comp is a no-fault system — employees get benefits without having to prove the employer was negligent.
Medical Expenses
Pays 100% of medical bills, hospital stays, surgery, and treatment for work-related injuries — no deductibles for injured employees.
Lost Wages / Disability
Replaces a portion of the employee's income while they recover from a covered injury or illness — temporary or permanent disability included.
Rehabilitation
Covers physical therapy, occupational therapy, and vocational retraining to help injured workers return to productive employment.
Employer's Liability
Protects the business against lawsuits from employees who allege the injury was caused by employer negligence — included in most WC policies.
Death Benefits
Provides survivors' benefits and burial expenses to the family of an employee who dies as a result of a work-related injury or illness.
Return-to-Work Programs
Managed programs that help injured workers transition back into modified or full-duty roles, reducing your total claim costs.
Common Claims
Most Common Trucking Injuries
According to the Bureau of Labor Statistics, truck drivers account for over 70,000 workplace injuries annually. The most common trucking injuries covered under workers' comp include:
Rating Codes
Common Trucking Workers' Comp Class Codes
Your class code determines your base rate. Most trucking carriers fall under 7219. We'll make sure you're correctly classified.
| Class Code | Description |
|---|---|
| 7219 | Trucking – Long-Haul & Short-Haul Carriers |
| 7198 | Parcel Delivery Services |
| 2727 | Log Hauling |
| 8291 | Warehouses – Cold Storage |
| 8292 | Warehouses – NOC |
| 7360 | Freight Forwarder / Freight Handler |
| 8742 | Salespersons – Clerical, Outside |
| 8810 | Clerical Office Employees |
Why TruxSurance
Why Choose TruxSurance for Workers' Comp?
Workers' comp for trucking isn't the same as a standard policy. Mileage, routes, cargo type, and driver classification all affect your program. We work with carriers that specialize in transportation risks — not generic business owners.
Common Questions