Workers' Comp for Trucking and Delivery
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Why do trucking and delivery businesses need workers' comp insurance?
Trucking and delivery professionals may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for trucking and delivery work-related injuries.
Not only is workers’ comp coverage legally required for almost all trucking and delivery businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk. For every dollar spent on a workers’ comp claim, $5 are spent in indirect costs—such as lost productivity, hiring and retraining trucking and delivery workers, and replacing or repairing damaged equipment.
The most common injuries experienced by trucking and delivery employees are:
– Strains and sprains
– Cuts and lacerations
– Multiple traumatic injuries
– Soreness and pain
– Fractures (broken bones)
Learn more about how workers’ compensation insurance can help protect trucking and delivery small businesses.
Over 80% of small businesses overpay for workers' comp coverage.
What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for trucking and delivery employees who become injured as a direct result of their job. Workers’ comp may also pay death benefits to an employee’s dependents if the trucking or delivery worker is killed in a work-related incident.
In addition to helping trucking and delivery employees and their families, workers’ compensation insurance can also help protect trucking and delivery business owners. Workers’ compensation helps protect trucking and delivery businesses from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if a trucking or delivery employee is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, trucking and delivery injuries must:
have happened to a trucking or delivery employee (not a vendor or independent contractor),
be the result of a trucking or delivery workplace injury or illness during employment, and
cause impairment and/or lost wages.
What are relevant types of class codes?
When you’re ready to start your 3-minute quote, you’ll need to know your trucking or delivery business’s class code.
A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.
There are many different workers’ comp class codes within the trucking and delivery industry. Below are a few of the most common class codes in the industry.