Trucking Insurance Insights

The Trucking WC Knowledge Base

Deep-dive guides on DOT compliance, driver classification, experience mods, and more — written by trucking insurance specialists.

DOT Workers' Comp Requirements: What Every Motor Carrier Must Know
2026-05-123 min read

DOT Workers' Comp Requirements: What Every Motor Carrier Must Know

FMCSA doesn't mandate workers' comp federally — but states do, and the requirements vary. Here's what motor carriers need to know to stay compliant.

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Owner-Operator vs. Employee: The Classification Mistake That Costs Trucking Companies Millions
2026-04-284 min read

Owner-Operator vs. Employee: The Classification Mistake That Costs Trucking Companies Millions

Misclassifying drivers as independent contractors instead of employees is the most expensive mistake in trucking insurance. Here's how to get it right.

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The Trucking Experience Mod (EMR) Guide: How to Lower Your WC Premium
2026-04-104 min read

The Trucking Experience Mod (EMR) Guide: How to Lower Your WC Premium

Your experience modification rate determines up to 30% of your WC premium. Here's exactly how it's calculated and what steps lower it fastest.

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Pay-As-You-Go Workers' Comp for Trucking: End Audit Season Surprises
2026-03-224 min read

Pay-As-You-Go Workers' Comp for Trucking: End Audit Season Surprises

Traditional WC premiums create audit-season cash flow nightmares. Pay-as-you-go trucking WC ties premiums to actual miles or payroll — no surprises.

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Ghost Policy for Owner-Operators: What It Is and When You Need One
2026-03-055 min read

Ghost Policy for Owner-Operators: What It Is and When You Need One

A ghost policy lets solo owner-operators satisfy broker and shipper WC requirements without payroll coverage they don't need. Here's exactly how it works.

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