Truckers’ Workers’ Compensation Insurance
Arroyo Insurance Services – South Bay offers a comprehensive Workers’ Compensation (WC) program for trucking businesses of all sizes. Whether you are a new business or a well-established fleet, our solutions offer competitive prices. We provide flexible payment options and top claims handling to keep your business safe and compliant.
Specialized Coverage for the Transportation Industry
Program Highlights
Our Workers Comp Insurance program for truckers is designed to meet the unique risks of the trucking industry. This includes high-risk operations and businesses with complex insurance needs.
Coverage for High-Risk Accounts
Competitive solutions for businesses with high ex-mod, hazardous materials, and multi-operations.
No Class Code Restrictions
We provide coverage without automatic risk declinations, commodity exclusions, or payroll caps.
Flexible Payroll & Payment Options
Choose from monthly, semi-monthly, or weekly self-reporting payroll plans to fit your business needs.
Tailored Solutions for Trucking Businesses
Our Truckers’ Workers’ Comp program helps new businesses, growing fleets, owner-operators, and high-risk operations. The trucking industry often has trouble finding affordable coverage. Arroyo Insurance Services – South Bay offers customized solutions, great flexibility, and excellent service. This way, your business is covered, and you can focus on the future.
Save money and time by aligning with one of California’s finest insurance agencies.
We Work with Leading Insurance Carriers to Get You the Best Coverage
Trucking Insurance Markets
Our programs provide flexible and competitive workers’ compensation solutions for the trucking industry. We work with top insurance companies in the US:
- Accident Fund, AIG, Amtrust Financial, Chubb, CNA
- Employers, The Hanover Insurance Group, ICW Group
- Liberty Mutual, Midwestern Insurance Alliance, Pacific Comp
- Republic Indemnity, Philadelphia Insurance Companies
- The Hartford, Travelers, UFG
Comprehensive Coverage and Competitive Solutions for Trucking Businesses
Key Benefits of Our Truckers’ Workers' Comp Program
Arroyo Insurance Services – South Bay’s Truckers’ Workers’ Compensation program is designed to provide reliable coverage for trucking company in the transportation industry. It also includes those with complex risk profiles. Whether you operate a long-haul trucking company, local delivery service, or specialized fleet, our program offers flexible underwriting, competitive pricing, and superior claims handling to keep your business protected.
- Competitive on Difficult Accounts – Coverage for high ex-mod, hazmat, and multi-operation businesses.
- Diverse Fleet Coverage – Long haul, short haul, dump trucks, cement trucks, intermodal, box trucks, sprinter vans, and local white-glove delivery.
- No Class Code Risk Declinations – No automatic rejections based on commodity type, equipment used, or payroll exposure ceilings.
- Fuel Card Programs – Discounts available for qualified accounts with fewer than 20 power units.
- Superior Workers Comp Claims Handling & Audit Process – Efficient claims management, flexible payment schedules, and seamless audits.
- Payroll Self-Reporting – Flexible options with monthly, semi-monthly, or weekly reporting.
- Minimum Annual Premium – Starting at $8,000 for Class Code 7219, making coverage accessible for trucking businesses of all sizes.
FAQs
Do independent truck owner operators require Workers' Compensation Insurance?
In California, independent owner operators generally do not require Workers’ Compensation Insurance for themselves, with some notable exceptions. The key distinction lies in whether they are truly classified as “independent contractors” or if they should legally be considered “employees.”
If a trucking operation treats an owner operator as a true independent contractor, they are typically self-employed and responsible for their own insurance needs, including occupational accident coverage, which serves a similar purpose to workers’ comp for self-employed individuals.
What are included in Workers' Compensation for truckers?
Workers’ Compensation Insurance for truckers is designed to provide a financial safety net for both employees (mainly truck drivers) and the trucking company in the event of workplace injuries or illnesses. Usually, truckers workers compensation insurance covers lost wages, medical expenses, rehab expenses, and death benefits in case of death of truck drivers.
Lost wages, generally are calculated as two-thirds (66.67%) of the injured trucker’s average weekly gross wages earned prior to the injury. This percentage can vary slightly by state, but two-thirds is a common standard. This calculation typically includes not only base pay or mileage rates but also other forms of regular compensation such as bonuses and commissions.
Do all states mandate Workers' Compensation Insurance for truckers workers?
No, all states do not mandate Workers’ Compensation Insurance for all trucking workers. Texas is the only state where workers’ compensation insurance is generally not mandated for most private employers. Besides Texas, all other states require that trucking companies carry workers compensation insurance. However, every other state has its own unique laws, requirements, and penalties for workers’ comp insurance.
Environmental Risk Advisor
William G. Dessert, TRIP, AFIS
William Dessert of Arroyo Insurance Services is the Transportation Practice Leader. His experience as a freight broker in truckload, intermodal and last mile delivery earned the opportunity to become an exclusive broker for excess auto liability, cargo and truckers workers compensation.
Client Services
Customized Insurance for Every Need
From business and personal insurance to employee benefits and private client services, Arroyo South Bay provides precision solutions to protect what matters most.
