Workers' Compensation Insurance for Transportation & Trucking

Workers' compensation for trucking companies, towing and roadside assistance businesses, delivery services, bus operators, bus garages, taxicab companies, and air carriers. Drivers and garage employees face high risks from vehicle accidents, loading and unloading cargo, and vehicle maintenance work. Rates are among the highest across all industries.

Class Codes in Transportation & Trucking

7380 — Commercial Drivers

Covers drivers of commercial vehicles including delivery trucks and freight vehicles.

85 / 100

class percentile · filed in 1 state

8385 — Bus Co - Garage Employees

Covers bus company garage employees who service, repair, fuel, clean, and maintain buses and related garage equipment.

77 / 100

class percentile · filed in 2 states

7219 — Trucking - Long Haul

Covers long-haul truck drivers transporting freight over extended interstate and cross-country routes.

91 / 100

class percentile · filed in 2 states

7382 — Bus Company - All Employees

Covers bus company employees including drivers, mechanics, dispatchers, and terminal staff.

81 / 100

class percentile · filed in 1 state

7403 — Aircraft Operation - NOC

Covers employees involved in aircraft operation including pilots, co-pilots, and flight engineers.

77 / 100

class percentile · filed in 2 states

7228 — Trucking - Local Hauling Only

Covers truck drivers performing local deliveries and hauling within a limited geographic area.

—

class percentile · filed in 0 states

7231 — Trucking - Mail, Parcel, or Package Delivery

Covers drivers delivering mail, parcels, and packages on established or variable routes.

93 / 100

class percentile · filed in 2 states

7390 — Taxicab Company - All Employees

Covers taxicab and ride-hail company employees including drivers and dispatchers.

88 / 100

class percentile · filed in 2 states

7225 — Automobile Towing & Drivers

Covers employees of automobile towing and roadside assistance businesses, including tow truck drivers and related dispatch or service operations.

95 / 100

class percentile · filed in 1 state

7422 — Aviation - Ground Crew

Covers ground crew workers at airports performing aircraft servicing, baggage handling, and ground support operations.

29 / 100

class percentile · filed in 2 states

7855 — Railroad Operation

Covers railroad employees engaged in train operation, switching, and yard work.

72 / 100

class percentile · filed in 2 states

8293 — Furniture Moving & Storage, Drivers

Covers furniture moving and storage operations, including packing or handling household goods away from the employer's premises and portable household-goods storage containers.

88 / 100

class percentile · filed in 2 states

8850 — Bus/Taxi - Dispatching

Covers dispatchers and office staff coordinating bus, taxi, and ride service operations.

—

class percentile · filed in 0 states

7202 — Trucking - NOC

Covers trucking operations not otherwise classified including general freight and miscellaneous hauling.

—

class percentile · filed in 0 states

7227 — Trucking - Refrigerated

Covers workers operating refrigerated trucks transporting perishable goods including food, pharmaceuticals, and floral products.

—

class percentile · filed in 0 states

7229 — Trucking - Hazmat

Covers workers transporting hazardous materials including chemicals, fuels, and other regulated substances.

—

class percentile · filed in 0 states

7232 — Trucking - Mail, Parcel or Package Delivery - Under Contract With USPS

Covers trucking operations delivering mail, parcels, or packages under contract with the U.S. Postal Service.

81 / 100

class percentile · filed in 1 state

7309 — Stevedoring

Covers stevedores loading and unloading cargo from ships at ports and marine terminals.

—

class percentile · filed in 0 states

7313 — Pier/Wharf Operation

Covers workers operating piers and wharves including dock maintenance, vessel mooring, and cargo staging.

—

class percentile · filed in 0 states

7317 — Longshore Workers

Covers longshore workers handling cargo on docks and waterfront areas including loading, sorting, and warehousing.

—

class percentile · filed in 0 states

7327 — Marine Transportation

Covers workers operating marine vessels for passenger and cargo transportation on waterways.

—

class percentile · filed in 0 states

7350 — Freight Handling

Covers workers handling freight at warehouses, distribution centers, and terminals including loading and sorting.

—

class percentile · filed in 0 states

7360 — Messenger Service

Covers workers providing messenger and same-day delivery services for documents and small packages.

62 / 100

class percentile · filed in 1 state

7370 — Taxi/Rideshare

Covers drivers and operators of taxi and rideshare services providing passenger transportation.

84 / 100

class percentile · filed in 1 state

7398 — Ambulette/Medical Transport

Covers workers providing non-emergency medical transportation for patients to healthcare appointments.

81 / 100

class percentile · filed in 1 state

7405 — Charter Aircraft

Covers crew and ground personnel operating charter aircraft services for passengers and cargo.

—

class percentile · filed in 0 states

Filed Figures by State

Per $100 of payroll, copied from each state's own filing. “LC” is a loss cost (before the insurer's multiplier); “rate” is a manual rate. Other states publish no per-class figure this site has transcribed.

State73808385721973827403722872317390722574227855829388507202722772297232730973137317732773507360737073987405
New York—$5.573 LC$5.329 LC—$2.950 LC—$4.643 LC$7.067 LC—$0.653 LC$3.568 LC$3.300 LC————————————$3.370 LC—
Wisconsin$4.706 rate$2.985 rate$5.886 rate$4.429 rate$4.245 rate—$8.264 rate$4.335 rate$6.669 rate$2.315 rate$2.810 rate$7.640 rate————$4.385 rate—————$2.954 rate$4.662 rate——

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