If you’re hiring W-2 drivers or other employees to help run your trucking operation, you’re likely required by law to carry workers compensation insurance. More importantly, this coverage helps protect both your team and your business when workplace injuries happen — and in trucking, they often do.
At Smarter Truck Insurance Agency, we specialize in helping trucking companies stay compliant and protected with the right insurance solutions for every role in your operation.
Workers compensation insurance provides benefits to employees who suffer job-related injuries or illnesses. In exchange for these benefits, employees generally waive the right to sue their employer, making it a critical layer of protection for both parties.
This policy helps pay for:
Medical expenses
Lost income while recovering
Disability compensation
Vocational rehab or therapy
Survivor benefits if an injury is fatal
Workplace injuries in the trucking industry don’t just happen behind the wheel. Here are a few common scenarios where workers comp applies:
A driver slips and falls while unloading cargo
A mechanic injures their back while repairing a truck
An employee cuts themselves while securing freight
A dispatcher experiences repetitive stress injury from office work
A driver is injured in a traffic accident while on dispatch
Emergency and ongoing medical treatment
Partial wage replacement during recovery
Short-term or long-term disability benefits
Rehabilitation services
Death benefits for surviving dependents
This type of policy is designed to provide support at every stage — from the initial injury to full recovery or long-term adjustment.
It’s required by law – Most U.S. states mandate workers comp coverage for employers with W-2 employees. Failing to carry it can result in steep fines or even business shutdowns.
It protects your company from lawsuits – Without this coverage, injured employees could take legal action to recover medical expenses or lost wages.
It helps you attract and retain good workers – Employees feel safer and more secure knowing they’re protected if something goes wrong.
It helps keep your business running smoothly – With the right coverage, injured employees receive timely care and support, reducing downtime and avoiding legal headaches.
If your business uses 1099 drivers or leased owner-operators, workers compensation usually doesn’t apply. These contractors aren’t considered employees under most state laws.
In these cases, you may want to offer or require Occupational Accident Insurance — a more flexible alternative that can help cover medical and disability expenses for independent drivers. Read our full guide on Occupational Accident Insurance →
Whether you’re hiring drivers, mechanics, or dispatch staff, Smarter Truck Insurance Agency can help you find a workers comp policy that fits your business size, state requirements, and budget. We work with top-rated carriers who understand the risks of the trucking industry and offer flexible solutions for fleets of all sizes.
Yes — if you have W-2 employees, most states require it. Some states even mandate it for businesses with just one employee.
Typically, no. Independent contractors aren’t covered by workers comp. You may need occupational accident insurance for them instead.
You could face state fines, legal penalties, and lawsuits. In some states, your business license could even be revoked.
Rates vary by state, type of work performed, payroll, and claims history. We shop multiple carriers to help you find the most competitive pricing.
Yes. We work with carriers who offer workers comp for new ventures, including startups with just one truck or employee.
Yes. Workers comp covers any work-related injury, whether it happens during a delivery, in a warehouse, at the office, or in the mechanic bay.
At Smarter Truck Insurance Agency, we provide fast quotes, low down payments, and customized coverage for workers compensation insurance and more.
📞 Call now: 888-800-3167
🌐 Get a truck insurance quote online:
We are proud to serve clients across the following states: Texas, California, Florida, Alabama, Arizona, Georgia, Illinois, Indiana, Kentucky, Mississippi, North Carolina, New Jersey, New Mexico, Nevada, Ohio, South Carolina, Utah, Washington, and Wisconsin.
Let us help you find the best truck insurance for your operation, at the right price. Whether you're booking your first load or expanding your authority, the right workers compensation insurance coverage protects your business, reputation, and future earnings.
Copyrights 2025 | Smarter Truck Insurance Agency™ | Terms & Conditions