Workers’ Compensation Insurance for Trucking & Transportation

Why workers’ compensation matters in transportation

In trucking and logistics, drivers and staff face unique injury risks every day. Workers’ compensation insurance provides essential protection—covering medical expenses, wage replacement, and compliance requirements for transportation businesses.

Accidents can happen without warning, leaving your company responsible for employee injuries and related costs. The right workers’ compensation coverage helps you manage these risks effectively, protect your workforce, and safeguard your business.

Workers’ compensation insurance covers:

Employee medical expenses and wages lost from injury
Employer’s liability insurance protects you from lawsuits by your own employees
Mandates initiated by certain states
Work-related illness and injury

Typically, a workers' compensation policy is written in two parts: “Part One – Workers Compensation” and “Part Two – Employers Liability.”

Part 1 - Workers' compensation

The insurance carrier provides coverage for whatever the state-required amounts of compensation may be. Each state determines features such as:

The number of benefits to which an employee is entitled
How impairments are to be evaluated
How care is to be delivered
How claims are to be handled
How disputes are to be resolved

Unlike many other types of insurance, workers' compensation coverage has no ceiling or limit on the policy amount. The insurance provider accepts the statutory obligation of whatever the employer is legally obligated to pay because of the injury.

Part 2 - Employers liability

the policy provides coverage for an employer who is sued by an employee for work-related bodily injury or illness that isn’t subject to the state statutory benefits.

Examples include:

Third-party Over Suit: An injured worker files suit against someone other than their employer, and that third party then seeks to hold the employer responsible.
Loss of Consortium: The spouse or family member of an injured worker sues the employer because of their significant other’s injuries

Protect Your team, safeguard your business

Workers’ compensation is a critical part of running a safe and compliant transportation company. Ensure your drivers and staff are covered — so you can focus on keeping your business moving forward.

Schedule a consultation with our team to explore tailored workers’ compensation solutions for trucking and logistics.