Coverage 08 of 12
Workers' Compensation
Protect the people who move the freight, and meet the state requirement without overpaying.
Workers' compensation covers medical costs and lost wages when an employee is hurt on the job, and it is required in most states once you have employees. Trucking class codes are among the most expensive, so the carrier, the payroll audit and your experience mod all matter.
For owner-operators and contractors who are not employees, occupational accident coverage fills the same gap at a lower cost and satisfies most lease agreements.
Who needs it
- Carriers with W-2 drivers or office staff
- Fleets using 1099 owner-operators (occupational accident)
- Companies entering states with strict coverage rules, like Texas contractors on certain jobs
What it covers
Inside the policy
Medical expenses
Treatment for work-related injury or illness.
Lost wages
Partial wage replacement during recovery.
Employers liability
Defense when an employee sues outside the comp system.
Occupational accident
A defined-benefit alternative for independent contractors.
FAQ
Workers' Compensation: common questions
Is workers' comp required in Texas?
Texas does not require most private employers to carry workers' comp, but non-subscribers lose important legal defenses and many shippers and contracts require it anyway. We walk through both options.
What is pay-as-you-go?
Premium calculated from each payroll run instead of an estimated annual payroll, which avoids the large audit bill at year end. Several of our carriers offer it.
Related coverage
Usually written alongside
Quote workers' compensation with the rest of your policy.
Send us the basics. A licensed agent shops the carriers that want your class and calls you with actual numbers, ready to bind. Most quotes come back within 24 hours; many are completed and back in your hands within one to two hours on the same business day.