Workers’ Compensation Insurance for Trucking Companies
In the trucking industry, protecting your drivers and employees is just as important as protecting your trucks. Workers’ Compensation Insurance (often called Workers’ Comp) provides the coverage your business needs when an employee is injured or becomes ill on the job.
At FleetGuard USA, we help carriers, fleets, and owner-operators understand and secure the right Workers’ Comp coverage so they can stay compliant, reduce risk, and take care of their teams.
What Is Workers’ Compensation Insurance?
Workers’ Compensation provides benefits to employees who suffer work-related injuries or illnesses. For trucking businesses, this may include:
Medical expenses after an on-the-job injury
Rehabilitation or therapy costs
Lost wages while recovering
Disability benefits for long-term injuries
Death benefits for surviving family members
Why Trucking Companies Need Workers’ Comp
Unlike Occupational Accident (OCC/ACC) coverage, which is often used by owner-operators, Workers’ Comp is legally required in most states when you have employees. For trucking businesses, this means coverage for drivers, mechanics, dispatchers, and other staff.
Key reasons trucking companies secure Workers’ Comp:
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State compliance – Avoid penalties and keep your business operating legally.
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Driver protection – Ensure injured employees receive proper medical care and wage replacement.
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Business protection – Reduces your risk of costly lawsuits.
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Stronger recruiting & retention – Demonstrates your commitment to employee safety and well-being.
Protect Your Drivers. Protect Your Business.
Workers’ Compensation isn’t just about meeting state requirements—it’s about building a safer, more stable trucking company. With FleetGuard USA, you’ll have the right coverage, competitive rates, and a team that understands the unique risks of the trucking industry.
Workers’ Comp vs. Occupational Accident (OCC/ACC)
It’s important to know the difference:
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Workers’ Comp → Required by law in most states when you have employees. Covers medical costs, lost wages, disability, and death benefits for employees.
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OCC/ACC → Optional coverage often chosen by owner-operators or independent contractors when Workers’ Comp isn’t required. Provides more limited protection.
In short: Workers’ Comp = mandatory employee protection. OCC/ACC = alternative coverage for independent contractors.
Who Needs Workers’ Comp in Trucking?
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Fleets with Employee Drivers – Compliance required in most states.
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Trucking Companies with Office Staff or Mechanics – Coverage extends beyond drivers.
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Owner-Operators with Employees – Even one W-2 driver may trigger state requirements.
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Multi-State Carriers – Coverage ensures compliance across different state laws.
Why Choose FleetGuard USA?
At FleetGuard USA, we understand the complexities of trucking insurance, compliance, and risk management. We help you:
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Navigate state-by-state Workers’ Comp requirements
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Navigate state-by-state Workers’ Comp requirements
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Secure competitive coverage tailored to your operation
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Bundle Workers’ Comp with Primary Liability, General Liability, and other trucking coverages for complete protection
FleetGuard USA provides reliable, customized insurance solutions for trucking companies and owner-operators across the nation. Our mission is to keep you protected on every mile, with coverage you can count on and service you can trust.
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Important Notice: This website provides only a general description of insurance coverages and services offered by FleetGuard USA. It is not a statement of contract. Coverage options, terms, conditions, and exclusions vary and may not be available in all states. For complete details, please refer to the actual policy documents, including all endorsements.
Coverage cannot be bound, amended, or altered through this website, email, or voicemail messages. All changes must be confirmed in writing by FleetGuard USA and are subject to carrier underwriting approval.
