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Delivery and Logistics

Fulfilling Oklahomans’ Needs

Insurance for Truck Drivers

CompSource Mutual’s experienced team knows the ins and outs of the risks associated with Oklahoma delivery logistics work. That’s because we’ve been serving our community for more than eight decades. We’ve seen the industry mature to what it is today and have protected the people that built it. 

Our mission is to protect Oklahoma’s delivery logistics industry for years to come. Talk to our local team about safeguarding your delivery services business. Get a Quote 

Interested to learn more? Read on to get answers to common questions and concerns about workers’ comp in the delivery services industry. 

Insuring Your Delivery and Logistics Business

While CompSource Mutual specializes in workers’ compensation insurance, it is important to understand the entire ecosystem of insurance types that your business might need. 

Driving a vehicle is one of the most dangerous things you can do. Although millions of Americans drive cars every day, many people have accepted the risk of driving a personal or commercial vehicle. 

Driving remains one of the most common ways to get around in America. It is sometimes the only way to get around, particularly in suburban or rural areas. Trucking is no different. Although many goods make their initial trip from the manufacturer via plane, boat, or train, getting those goods through those “middle miles” – from boat to distribution warehouse, for example – can often only be done with a truck. Trucks are also used for “last mile” delivery, or getting goods from the warehouse directly to the consumer.

These seemingly conflicting aspects of the transportation industry – the high level of risk versus its popularity – are what make insurance for truck drivers so necessary. Everyone knows you need automobile insurance to drive a car; it is no different for truck or delivery drivers. And like automobile insurance, there are many different types of insurance for truck drivers that can be tailored to an individual’s situation.

Working in such a dangerous industry makes insurance like workers’ compensation for truck drivers necessary.

Known risks in deLIVERY LOGISTICS:
  • Motor vehicle accidents
  • Vehicle entry and exit slips and falls
  • Slips and falls on ice
  • Dog bites
  • Repetitive motion injuries

A dangerous job

According to the Bureau of Labor Statistics, transportation incidents are by far the most prominent cause of workplace fatalities. Although technically speaking, driving a truck is not the most dangerous job, any job that involves using a vehicle has an increased risk.

Workplace injuries and illnesses are also common in the delivery and logistics industry. Because of the high rate of vehicular incidents, the chances are high that a truck driver will be involved in an accident while on the job over the course of their career, regardless of fault. If the accident is nonfatal, the driver may still come away with broken bones, soreness, sprains, or lacerations, requiring work injury compensation. In 2020, tractor-trailer truck drivers had the highest median number of days away from work due to a workplace injury or illness. These truck drivers spent about 23 days away from work; in contrast, nursing assistants spent only 12 days away from work.

Insurance for truck drivers and delivery and logistics companies

For workers who have such a high-risk job and who may also spend many days in recovery, having workers’ compensation insurance for truck drivers is a no-brainer. Twenty-three days away from work means 23 days of missed wages, which workers’ comp can cover. Although autonomous self-driving trucks are on the horizon, there is still a considerable need for human drivers. Truck drivers are the central part of the trucking industry, physically delivering goods from point A to point B over many miles. Maintaining a safer, healthier workforce should be the top priority for any trucking or logistics company. This includes keeping a reliable trucking workers’ compensation insurance policy on hand.

There are also several other types of insurance for truck drivers and trucking companies that apply to other aspects of the delivery and logistics industry. For example, commercial truck insurance policies can be customized to include liability, collision, and comprehensive insurance. These policies may cover the truck itself and its contents. As with automobile insurance, it’s important to cover the costs of repairing the truck and guarantee protection from lawsuits in the event of an accident. However, the stakes can be much higher with commercial trucks; a tractor-trailer can cost upwards of $150,000. It is also a critical part of any trucking company; without the trucks in good operating condition, the company itself would not be able to operate or deliver goods.

Working in the trucking industry

Becoming a truck driver requires a number of certifications, licenses, and training. It is not easy to own one’s own commercial truck, so most drivers are employed full-time by transportation or logistics companies. From an employee safety perspective, this is great news. In Oklahoma, truck drivers who are employed by a delivery and logistics company and who do not own and operate their own trucks are required to carry workers’ compensation coverage.

Because truck drivers must have extensive training, it makes sense for employers to invest in their workers’ safety by carrying insurance for truck drivers. All truck drivers must obtain a commercial driver’s license (CDL), as well as a truck driving certification. This certification typically includes courses on inter-state and federal truck driving rules and regulations. Truckers who work in specialized industries may also obtain additional certifications, such as hazardous materials endorsements, and trainings on how to operate the specific truck they will be driving.

The truck driving industry is heavily regulated by the Federal Motor Carrier Safety Administration (FMCSA). The FMCSA regulates how many hours truckers can work, how long their breaks must be, and how much consecutive driving they are allowed to do.

Carrying workers’ comp for truck drivers is an important element of running a delivery or transporting business. Not only are truck drivers highly trained, valuable members of the workforce; they are also integral to your business. It is critical to ensure their safety and guarantee that they are able to get the medical care they need.

Why CompSource Mutual

CompSource Mutual provides specific safety resources for the trucking and delivery industries, as well as general guidelines for driver safety. We understand the importance of safety in the transportation industry, and offer valuable insights on defensive driving, vehicle maintenance, materials handling, and more. Look to CompSource Mutual for workers’ compensation for trucking companies, and keep your employees safer.

CompSource Mutual provides best-in-class coverage for workers’ compensation insurance, but there a lot of considerations to make when it comes to the full range of coverage needed for your delivery and transportation business. A delivery and logistics company that owns and operates its own trucks should have commercial liability and collision insurance. You should also consider purchasing non-trucking liability insurance, which covers incidents that may occur when your truck is not being used for work, as well as motor truck cargo insurance which covers stolen or damaged cargo. If you have employees, you should always carry insurance for truck drivers to protect your personnel, such as workers’ compensation for truckers.

General liability insurance covers the most frequent types of third-party injuries and accidents. These include common trucking risks, such as accidental customer injuries and damage to customer property.
Motor truck cargo insurance provides coverage against the risks of direct physical loss to covered property while in transit and loading or unloading. It covers property while at a terminal or dock awaiting final distribution.
Meet our Safety Team Image

Meet Our Safety Team

Are you committed to making your workplace safer? We’re here to make it easy for you. CompSource Mutual policyholders can get advice from our safety consultants and access personalized resources – it’s all absolutely free.

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