Do trucking employees need workers comp?

In nearly every state, employee drivers must be covered by workers compensation. Class codes and payroll drive the cost. Verify requirements with your state.

What is occupational accident coverage?

Injury coverage often used for leased owner-operators who are not employees, providing benefits without a workers comp employment relationship. Which fits depends on status and state.

How do I know which my drivers need?

It depends on whether they are employees or leased owner-operators, and on state rules. We help you sort it out and coordinate with your advisors on classification.

Workers Comp & Occupational Accident

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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Trucking workers compensation covers injury to employee drivers and is required in most states, while occupational accident coverage is often used for leased owner-operators who are not employees. Which applies depends on worker status, state rules, and contracts.

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.

Trucking workers comp and occupational accident insurance.

Employees and workers comp

Leased owner-operators and occupational accident

Getting status right

Common questions.

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