November 17, 2022

Workers’ Compensation Insurance for Truck Companies

As a trucking company owner, you’re required, by law, in most states, to acquire workers’ compensation under code 7219. The insurance provides truckers with benefits for illnesses or injuries that happen when they are working. Usually, a sick or injured employee and their family are entitled to four types of worker comp benefits:

Medical
Indemnity (or lost income)
Rehab
Death benefits

Payroll Classifications and Workers Comp Payments

In the past, employee payroll classifications determined what companies paid for workers compensation premiums. For trucking companies, class codes were applied for “Clerical and Mechanics” or for “Truck Drivers.” Each of these categories, therefore, had different codes and premium coverages. However, this rule changed for truck drivers in 2018.

NCCI Reclassification of Truck-Driving Class Codes

In January 2018, the National Council on Compensation Insurance, or NCCI, reclassified two different truck-driving-related class codes under one code. Formerly 7228 stood for local driving claims, while 7229 governed long-haul drivers (traveling through various states). As a truck company employer today, you can buy workers’ compensation insurance under one code, 7219. The original idea behind two different class codes had to do with how often the driver was on or off the clock. Long-haul drivers had a greater risk of injury, it was thought because they spent more time away from the terminal. However, insurance professionals determined that local drivers also experienced a higher risk of slipping, falling, or getting hurt when loading and unloading trucks. Long-haul drivers, on the other hand, usually deliver “no touch” shipments or have less risk along these lines. As a result, the variation in the two risks became obsolete.

Purchasing Worker’s Compensation Insurance for Truckers

It’s easier for trucking company employers to buy workers’ comp insurance today as they own more comfortable and safer trucks. Truckers also have a greater awareness of safety and proper navigation on the roadways. Therefore, you can find insurance products that offer competitive rates and pricing.

Examples of Common Worker Comp Claims

Truck drivers are not only at risk while driving, but they may also experience sprains, strains, and related health issues when lifting, handling heavy equipment, or working at heights. Below are examples of common worker comp claims in the trucking industry.

Loading and Unloading Freight – Repetitive Motion Injuries

Truck drivers who load and unload freight often suffer from repetitive motion problems, such as musculoskeletal disorders that affect the back, neck, and shoulders. Workers may overextend themselves, which leads to workers comp claims.

Slip and Falls and Trip and Falls – Broken Bones, Back and Spinal Cord Injuries, Lacerations, and Head Injuries

Slip and falls at work may also trigger the need to file a workers comp claim. If a driver is performing work from an elevated dock, this may easily take place. Some workers may also fall from the back of a truck. Trips and falls can also occur during unloading or when lifting a latch.

Handling Heavy Parts or Equipment or Getting Struck by an Object – Back and Head Injuries

Loading terminals also have their share of hazards, including lift gates, pallet jacks, and certain vehicle parts. Either a driver may get a back injury or strain or get struck by one of the objects when they are involved in loading activities.

Truck Crashes – Severe Injuries and Fatalities

The main reason that a trucker may get injured is normally due to a truck crash. If the driver collides with another vehicle, they can experience severe or fatal injuries. Some accidents end in rollovers as well.

Contact a Worker’s Compensation Truck Insurance Agent Today

Needless to say, as a trucking company owner and employer, you need to make sure you speak to an insurance agent that can help you get the best and most affordable coverage for your drivers. Learn more about your coverage options today by contacting Panorama Insurance at 818-781-6630.

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