What is Trucking Firms NOC Workers Compensation (class code: 7219)?
Trucking Firms NOC (not otherwise classified) Workers Compensation, class code 7219, is a payroll-based workers’ compensation classification used for employers in the trucking and transportation industry whose operations don’t fit more specific class codes. It covers medical care and wage replacement for employees who are injured on the job and helps protect employers from workplace injury claims. The coverage sits alongside related commercial liability and commercial auto exposure concerns for fleets and owner-operators.
Who needs it
Companies that typically need class code 7219 include small fleets, independent owner-operators, freight handlers, and other trucking-related businesses whose duties vary across loading, driving, and delivery. Clubs, associations, and contractors that occasionally operate trucks may also fall into this class when their tasks aren’t covered by another specific code. If you run mixed duties—driving one day, loading the next—this classification is commonly applied.
See more details on classification and employer types at the Truckmen Workers Compensation (Class Code 7219) page: Truckmen Workers Compensation (Class Code 7219).
What it typically covers
Standard workers’ compensation under this class generally includes medical treatment, temporary disability benefits, permanent impairment benefits, and vocational rehabilitation when required. It does not replace liability coverage for third-party property damage or commercial auto physical damage—those are separate products such as commercial auto, property coverage, or equipment coverage. Employers often pair workers’ comp with general liability and commercial auto policies to manage total transportation and fleet exposures.
For businesses operating in multiple locations or using owner-operators, see related options at Workers' Compensation & Transportation Insurance — Multiple Locations.
Common exclusions or limitations
Policies typically exclude intentional acts, injuries from non-work activities, and some occupational diseases not accepted by state law. Underwriting may limit coverage for subcontractors unless they are specifically named or certificates of insurance are required. Exclusions and limits vary by insurer and state, so check policy language closely.
Factors that influence cost
Premiums are driven by payroll size, claims history, the mix of driving vs. non-driving tasks, employee training, and safety programs. Underwriting factors also include vehicle types, cargo risks, route characteristics, and exposure to loading/unloading hazards. Good loss control—regular vehicle maintenance, driver safety programs, and clear safety procedures—can reduce rates over time.
Proof of insurance & compliance
Employers usually provide Certificates of Insurance (COIs) to shippers, brokers, or contract partners to show workers’ compensation and other coverages. State reporting and notice obligations vary; requirements for filings, postings, and minimum coverage limits are determined at the state level. Keep payroll records and classification details available for audits.
How to get a quote
Gather recent payroll totals by job function, loss runs for the last three years, vehicle and equipment lists, and a summary of safety programs. If you want to compare options or need guidance, talk to your agent for an individualized quote and to confirm proper classification and any endorsements you may need.
Frequently Asked Questions
How is class code 7219 different from other trucking class codes?
Class 7219 is used when operations don’t fit a more specific trucking classification. Insurers assign codes based on the primary duties and exposures of employees.
What information do insurers use to calculate premiums?
Insurers use payroll by classification, claims history (loss runs), safety programs, vehicle types, and the nature of operations to underwrite and price coverage.
Does workers’ comp cover independent contractors?
Coverage for independent contractors depends on your policy terms and state rules. Often independent contractors must carry their own workers’ compensation or be named on your policy—check your insurer’s requirements.
Still have questions? Talk to a local insurance expert.