Workers Compensation - If you employ workers, then it is mandated by the Government that you maintain a policy of workers compensation in force for your employees. This insurance protects you against your liability to your workers for their injuries sustained while on the job.
You may need to obtain Workers' Compensation coverage, regardless if you have Independent Contractors (1099) working for you. Things to consider are: who owns the trucks, who has control of the trucks, who sets the hours and who is responsible for maintenance of the trucks.
For Owner-Operators - Certain states require that all truckers (regardless of Independent Contractor status) be covered by Workers' Compensation.
For Fleet Owners - Fleet Owners who lease on to Motor Carriers often need to provide Workers' Compensation coverage for their drivers. When a Motor Carrier sponsors Occupational Accident program for its leased Fleet Owners, Workers' Compensation for the Fleet Owners' employee drivers may be available (subject to underwriting eligibility).
For Motor Carriers - Motor Carriers sponsoring a Occupational Accident with Contingent Liability program can purchase Workers' Compensation coverage for drivers and clerical employees of the Motor Carrier. This enhancement provides convenience of one stop shopping for Motor Carriers with Owner-Operator teams.
Call us at 1866-806-9777 to Get a Free Quote
*Coverages may vary by state and by insured business. Consult your InsureMart Inc. agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy.