Two red trucks are driving down the road.

Cut Trucking Workers' Comp Costs

Finding affordable workers' compensation insurance for your trucking business can feel like navigating a maze. Traditional insurers often reject applications or charge exorbitant rates, leaving you feeling stuck. We help trucking and towing companies secure the coverage they need at a fair price.

We Specialize in High-Risk Industries

Our team of experienced brokers understands the challenges faced by trucking businesses. Even if you have a lapse in coverage or past accidents, we won't turn you away. We specialize in high-risk industries and can find a plan that fits your unique needs and budget.

Why Do Trucking Companies Need Workers' Comp?

Workers' compensation insurance is mandatory for almost all businesses with employees. It protects both your employees and your company by covering medical bills and lost wages in the event of a work-related injury.

A man in an orange vest is fixing the tire on a truck.

Trucking is a Risky Business

Accidents can happen on the road, while loading or unloading cargo, or during routine maintenance. These accidents can lead to serious injuries or even death. Even the most cautious drivers can be involved in unforeseen incidents.

Common Trucking and Towing Injuries

  • Bruises, sprains, and strains
  • Cuts and abrasions
  • Fractures
  • Soreness and chronic pain
  • Slip and fall injuries

Towing Industry Risks are Even Higher

Tow truck drivers face a significantly higher risk of fatalities and injuries compared to other trucking sectors. The right workers' comp plan can provide peace of mind for your employees and allow them to focus on their jobs without worrying about the financial consequences of an accident.

Denied Coverage Elsewhere? We Can Help!

Many national insurers shy away from high-risk trucking categories like long-haul and short-haul altogether, or offer premiums that are simply out of reach. We have a proven track record of finding affordable solutions, even for businesses with complex situations.

Hassle-Free Coverage at Competitive Rates

Our brokers will shop around on your behalf to find the best possible coverage at the most competitive price. We won't pressure you into a plan you can't afford, and we're committed to simplifying the workers' comp shopping process.

A tow truck towing a car on the side of a road.
A group of trucks parked in front of each other.

What Affects Trucking Workers' Comp Costs?

Several factors influence the cost of workers' compensation insurance for trucking companies:

  • Company Size: Larger companies with more drivers and vehicles naturally have a higher risk profile, leading to higher premiums. However, smaller companies may also face challenges due to limited resources and experience.
  • Location and Jurisdiction: Workers' comp is regulated at the state level, so rates and requirements can vary significantly. Areas with higher accident risks or medical costs often have higher premiums.
  • Safety Record and Training: Companies with a history of safety and robust training programs are viewed as lower risk by insurers and may qualify for discounts. Investing in safety can benefit both your employees and your bottom line.
  • Employee Classification and Payroll: : The type of work your employees perform and your total payroll will also affect your premium. Drivers typically face higher risks and therefore higher rates compared to office staff.

Get a Free Quote Today!

Don't let the search for affordable workers' comp become a burden. Contact Atlantic Work Comp today for a free quote and let us help you protect your employees and your business.