Commercial trucking coverage
Protect the people who move the freight.
Workers' compensation pays medical costs and lost wages when a driver, mechanic or warehouse employee is hurt on the job, and it protects the business from the lawsuit that would otherwise follow. New York requires it for nearly every employer with employees.
What it covers
Workers' Compensation, in plain terms.
- Medical treatment and rehabilitation for work-related injuries and illnesses
- Partial wage replacement during recovery
- Employer's liability for suits arising from a workplace injury
- Occupational accident alternatives for independent contractors, where appropriate
Who needs it
Fleets with W-2 drivers or shop staff, and owner-operators with any employees.
Questions
Do I need workers' compensation in New York if I only have one employee?
In almost every case, yes. New York requires coverage for employers with one or more employees, with narrow exceptions. We will tell you if yours applies.
What about owner-operators who lease on to me?
Independent contractors are generally not covered by your workers' compensation policy, but misclassification claims are common. Occupational accident coverage is one way to protect contractors and the business.
Ready when you are
Ready to quote workers' compensation?
Two minutes on the form, or one phone call. Either way an agent, not a bot, builds your options.