Protection for the drivers and staff who move your business.
Workers' compensation covers medical costs and lost wages when an employee is injured on the job. For leased owner-operators, occupational accident coverage often fits better. We place both.
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In short
Truckers workers' compensation covers medical expenses, lost wages, and legal defense when a W-2 employee driver is injured on the job. For 1099 contractors and leased owner-operators, occupational accident coverage is the usual fit, it covers on-the-job injury at lower cost but does not include lost wages or legal defense.
What it covers
The protection this policy actually puts in place.
- Medical treatment for employees injured while working
- Lost wages during recovery (workers' compensation)
- Legal defense if an injured employee files a lawsuit (workers' compensation)
- On-the-job injury and optional accidental death for 1099 owner-operators (occupational accident)
Who needs it
Is this coverage for your operation?
Any trucking operation with drivers or staff. Companies with W-2 employee drivers typically carry workers' compensation, which most states require as soon as you hire. Firms that lease 1099 owner-operators to their authority typically choose occupational accident coverage instead.
The two are not interchangeable. Workers' compensation includes lost wages and legal defense; occupational accident is lower-cost and gives the employer more control, but does not cover lost wages or provide legal defense. Getting driver classification right is where operations get caught out, we help you land it correctly.
Why Road Ready for workers compensation
The difference is how we place it.
Workers' comp and occ/acc for trucking are their own specialty, driver classification, multi-state exposure, and experience mods all drive the rate. We place them with carriers that understand trucking payroll rather than treating you like a generic employer.
For fleets running across state lines, we make sure your coverage is compliant everywhere you operate, not just in your home state.
Common questions
Straight answers on workers compensation.
Related coverage
Coverages that often ride alongside this one.
Ready to review your workers compensation?
Talk to an agent who specializes in trucking. We will review your operation and place coverage with no gaps and no padding.