Trucking WC Coverage
Owner-Operator Coverage
Owner-operators exist in a classification gray zone that confuses most brokers. We clarify your options and get you the right coverage — whether that's WC, occupational accident, or a hybrid policy.
What's Covered
- Occupational accident coverage for independent owner-operators
- Ghost policy WC where legally available
- Medical expense coverage for on-the-job injuries
- Disability income replacement
- Accidental death and dismemberment
- Cargo-related injury coverage
Who This Is For
- Independent owner-operators leased to motor carriers
- Owner-operators running under their own authority
- Drivers needing certificates for broker or shipper compliance
- Owner-operators unsure whether they need WC or occ-acc
Why Choose Trucking Workers Compensation
- We explain the W-2 vs. 1099 classification impact clearly
- Ghost policies issued same day when required by brokers
- Access to specialty occ-acc programs not available through general brokers
- We review your lease agreements to ensure compliance
Frequently Asked Questions
Trucking WC Questions Answered
The most common questions from trucking companies and owner-operators about workers' compensation coverage.
It depends on your state, your lease agreement, and how your operations are structured. In many states, owner-operators leased to carriers are treated as employees for WC regardless of their 1099 status. We analyze your specific situation.