From July 1, 2017 the National Council on Compensation Insurance (NCCI) has reclassified workers compensation for local truck driving class code (7228) and long-haul (7229), into one class trucking (7219), which is applicable for all truck drivers.
- Local truck drivers hauling freight, are more involved in loading and unloading operations than long-haul drivers, and are therefore more prone to slip and fall accidents while climbing in and out of trucks and injuries resulting from overexertion or lifting and moving heavy loads.
- Long-haul truck drivers, on the other hand, may have serious work-related health issues brought on by being on the road for long periods of time. Erratic schedules, sleep deprivation or disturbed sleep patterns could be the cause of truck accidents and injuries.
Workers Compensation Insurance under Class Code 7219, is the right coverage for hard-to-place risks faced by the trucking industry.
As part of a comprehensive risk management strategy, this classification helps simplify underwriting for insurers while offering critical protection for employers and employees alike. Whether operating as independent contractors, small fleet operators, or larger logistics companies, trucking professionals face unique transportation risks and occupational hazards that make workers comp coverage essential.
A typical policy has the following benefits as it provides coverage for:
- Medical Expenses
- Rehabilitation, disability and death benefits
- Compensation of lost income or wage
- Defense costs when claims and lawsuits are registered
For instance, a warehouse delivery driver who strains their back while unloading pallets would rely on this coverage to help manage medical costs and lost wages during recovery. These policies are especially relevant for businesses with significant commercial auto exposure and job-site hazards where physical labor is routine.
Those operating in specialized segments such as short-haul trucking or long-haul freight services should understand how the unified class code 7219 affects their workers compensation coverage. Additionally, Truckmen Workers Compensation Insurance may offer tailored solutions based on specific operational needs and underwriting factors.
Frequently Asked Questions
What is class code 7219 in workers compensation?
Class code 7219 covers all trucking operations, including both local and long-haul drivers, under a single workers compensation classification set by NCCI.
Who should carry workers compensation under class 7219?
Owner-operators, freight companies, and fleet managers employing drivers involved in transporting goods should carry this coverage to protect their teams and comply with state requirements.
What types of injuries does it cover?
It typically covers injuries from lifting, slips and falls, vehicle-related accidents, and repetitive stress injuries related to driving or cargo handling.
Does this coverage apply to contract drivers?
Depending on state laws and employment status, coverage may extend to certain independent contractors. Employers should clarify their responsibilities with their insurance provider.
How do I get a quote for workers compensation under class 7219?
You can request a quote online to compare options suited for your trucking operation.
Still have questions? Talk to a local insurance expert.