Workers’ Comp: The Benefits and Challenges for the Transportation Industry

Workers’ Comp Insurance

The transportation industry covers a wide range of professions from taxi drivers to long-haul truck drivers. The nature of the job makes the risk of on-the-job illness and injury high. Procuring transportation company workers’ comp insurance has a number of benefits, but it also comes with unique challenges.

Benefits of Workers’ Comp Insurance

Transportation workers are at high risk of becoming involved in vehicular accidents. In addition, transportation employees who are involved in moving cargo run the risk of being injured in lifting and moving product onto and off of their trucks. Carrying workers’ comp insurance for employees helps to cover the following expenses:

  • Medical costs
  • Wage loss
  • Rehabilitation expenses
  • Disability
  • Funeral costs

Challenges in Procuring Workers’ Comp Insurance

The inherently increased risk for on-the-job injuries makes it potentially more difficult for a transportation company to obtain quality and affordable workers’ comp insurance. An additional complexity exists for transportation industries that require workers to cross state lines because of the differences in state laws and the potential for an injury to occur outside of the company’s home state. Source:

Providing workers’ comp to employees is a vital benefit for the transportation industry, even though obtaining quality insurance poses some challenges. Given the nature of the business, the challenges faced are likely worth the benefits received.