Trucking workers comp and occupational accident insurance.
Driver injury is covered differently depending on whether drivers are employees or leased owner-operators. Workers comp and occupational accident are two paths, and which applies depends on status and state.
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Employees and workers comp
If your drivers are employees, workers compensation covers their on-the-job injuries and is required in nearly every state. Class codes, payroll, and the driver profile drive the cost, and an audit trues it up. For a fleet with employee drivers, this is a core, mandatory coverage.
Leased owner-operators and occupational accident
Leased owner-operators are often not employees, so occupational accident coverage is commonly used to provide injury benefits without a workers comp employment relationship. The right approach depends on worker status and state rules, which are nuanced, so this is worth confirming rather than assuming.
Getting status right
Misclassifying drivers is a real exposure, and states and contracts treat trucking worker status carefully. We help you understand how workers comp and occupational accident fit your drivers, and we coordinate with your advisors on classification. This is general guidance; verify status rules with your state and counsel.
Common questions.
Do trucking employees need workers comp?
What is occupational accident coverage?
How do I know which my drivers need?
Is this coverage right on your policy?
Tell us how you operate and we will check this coverage against your authority, cargo, and contracts. Educational, no obligation.
Cover driver injury the right way.
Tell us about your drivers and status and we will line up the right coverage.