What is Truckmen Workers Compensation (class code: 7219)?
Truckmen Workers Compensation insurance is designed to protect businesses that employ drivers involved in hauling freight over public roads. Classified under code 7219, this coverage applies to trucking companies and independent contractors who transport goods for others. The policy provides essential protection for employees who are injured or become ill due to work-related activities.
Who Needs It
This coverage is essential for:
- Trucking companies with employee drivers
- Owner-operators who hire other drivers
- Freight carriers and logistics businesses
- Businesses that subcontract drivers for commercial hauling
If your operations involve transporting freight and you have employees, most states require you to carry workers compensation insurance.
What It Typically Covers
Truckmen Workers Comp insurance generally includes coverage for:
- Medical expenses from work-related injuries or illnesses
- Lost wages during recovery
- Rehabilitation services
- Disability benefits (temporary or permanent)
- Death benefits for surviving family members
Common Exclusions and Limitations
While this policy offers broad protection, there are certain exclusions, such as:
- Injuries sustained while under the influence of drugs or alcohol
- Intentional self-inflicted injuries
- Injuries that occur while committing a crime
- Independent contractors not covered under your policy
Always review your policy to understand what is and isn’t covered.
Factors That Influence Cost
Several variables affect the cost of Truckmen Workers Compensation insurance:
- Number of employees and payroll size
- Driving routes and geographic risk areas
- Claims history and safety record
- State-specific regulations
- Type of freight hauled
Proof of Insurance & Compliance
Most states require proof of workers compensation coverage to stay compliant with labor laws. Certificates of insurance (COIs) are often needed to work with brokers, shippers, or government contracts. Failure to carry coverage could result in fines or stop-work orders, depending on state regulations.
How to Get a Quote
Getting the right Truckmen Workers Comp coverage starts with a simple quote. We make it easy to compare options and get insured.
Get a free workers comp quote today.
Frequently Asked Questions
Is Truckmen Workers Compensation insurance required by law?
In most states, yes—if you have employees, you're generally required to carry workers comp coverage. Requirements vary, so check with your state agency.
Does this coverage apply to owner-operators?
If you are an owner-operator with no employees, you may not be legally required to carry coverage, but some contracts may still require it.
What happens if I don’t have workers comp insurance?
You could face penalties, fines, or stop-work orders. In the event of an employee injury, you could also be held personally liable for expenses.
Can I include subcontracted drivers under my policy?
Typically, subcontracted drivers are not covered unless they are classified as employees. Consult your insurer to clarify coverage status.
How do I show proof of coverage to clients or regulators?
You can request a certificate of insurance (COI) from your provider, which serves as official proof of coverage.
Still have questions? Talk to a local insurance expert.