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JDW Commercial Truck Insurance
JDW Truck Insurance
JDW Commercial Truck InsuranceJDW Commercial Truck Insurance
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  • QUOTES
  • FREE 24/7 COI
  • SOLUTIONS
    • Fleets
    • Owner Operators
    • New Authority
    • Hazmat
    • High Risks
    • Cancelled / Non-Renewed
    • UIIA
    • Amazon
    • Uber
  • COVERAGES
    • Cargo
    • General Liability
    • Hazmat
    • Primary Liability
    • Physical Damage
    • Explosives
    • Workers Compensation
  • CARRIERS
  • RESOURCES
    • COI Requests
    • CSA
    • CSMS Volations
    • Dash Cams
    • DOT Lookup
    • ELDs
    • Filings
    • Financing
    • Fleet Safety Management
    • FMCAS
    • FMCSA Clearinghouse
    • FMCSA Inspection Levels
    • HOS
    • Gap Insurance
    • ISS Scores
    • MCS-150
    • New Authority Insurance CSA Scores – Tips to Succeed
    • Order MVRs
    • PSP
    • PSP vs MVR
    • Safer Web
    • Safety Links
    • Requirements
    • We Know Trucks (vid)
    • Vin #s
  • HELP
    • About
    • Contact Us
    • COI Request
    • Agents Jobs
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Trucking Occupational Accident and Workers Compensation Truckers

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Occupational Accident and Workers Compensation

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Truckers Workers Compensation Occupational Accident Insurance

There are many insurance companies offering worker’s compensation insurance. At JDW Truck Insurance we can help you find the right workers’ compensation insurance coverage who offers the best coverage for your classification at the best worker’s comp rates.

  • Trucking
    The trucking industry is unique, and requires an insurance provider who understands the industry and the challenges presented by an almost exclusively mobile workforce. Midwestern Insurance Alliance is that provider. We are deeply entrenched in the trucking industry and can help your trucking clients effectively manage their workers’ compensation exposures.
  • Fuel Haulers / Propane Dealers
    The fuel and propane industry is unique, and requires an insurance provider that understands the industry and the challenges presented by and almost exclusively mobile workforce and the dealing of hazardous materials. Midwestern Insurance Alliance is that provider. We are deeply entrenched in the transportation industry and can help your fuel / propane clients effectively manage their workers’ compensation exposures
  • Courier / Parcel Delivery
    The parcel delivery industry is unique and requires an insurance provider who understand the industry and the challenges presented by an almost exclusively mobile workforce. Midwestern Insurance Alliance is that provider. We are deeply entrenched in the parcel delivery industry and can help your clients effectively manage their workers’ compensation exposures.
  • Logging
    According to the BLS (Bureau of Labor Statistics), the logging industry has one of the highest rates of occupational fatalities and requires an insurance provider who has underwriters, safety professionals, and claims specialists with knowledge, experience and commitment to understand the unique facets of a logging risk. Those traits, coupled with Midwestern’s innovative approach to providing Occupational Accident coverage to the log hauling owner operators makes Midwestern’s logging program superior.
  • Towing
    The towing industry is unique and requires an insurance provider who understand the industry and the challenges presented by an almost exclusively mobile workforce. Midwestern Insurance Alliance is that provider. We are deeply entrenched in the transportation industry and can help your towing clients effectively manage their workers’ compensation exposures.

Occupational Accident vs Workers Compensation

Workers Compensation

  • Workers Compensation provides coverage in case of accidents and injures sustained by your hired employees truck drivers.
  • If you W2 your drivers and employess you need worker compensation insurance
  • Covers employees, like company drivers and warehouse workers
  • Required by law in many states
  • Cost more than Occupational Accident Insurance
  • Benefits are fixed by law and usually statutory

Occupational Accident

  • Occupational Accident is similar to workers compensation insurance but is used for 1099 drivers and employees.
  • For example owner operators.
  • Less expensive than workers compensation
  • Not required by law
  • Limits set by insuring company

What is Motor Carrier Contingent Liability Insurance?

Contingent Liability Insurance Your Contingent Liability Insurance is designed to add a layer of protection on top of Occupational Accident Insurance. For example if you have a 1099 employee who has occupation accident insurance and they get hurt on the job. Their attorney may try to prove they are not an independent contractor.
  • Their lawyer may try to prove the independent contractor is actually an employee and try to attach the claim to your workers compensation policy.
  • If you do not have a workers compensation policy. Their attoney may try to go after your company pocket book.
Contingent Liability Insurance can offer:
  • Legal defense
  • Employers' liabiity reimebursment benefits
  • Worker's compensation reimbursement benefits
What is a 1099 or Independent Contractor
  • Drives for other motor carriers
  • Uses his own truck, tools, and equipment
  • Hires and pays assistants
  • Sets his own work schedule
  • Makes profits or suffer losses
  • Has a registered business license
 

Class Codes and Description

Class Codes and Description 7228 Short Haul Trucking. This class is used for local haulers who transport general merchandise less than 200 miles from their business location or residence. This code also applies to sand and gravel haulers, towing companies, as well as dump truck operators.
7229 Long Haul Trucking. This classification applies to operators than haul general merchandise greater than 200 miles from their principal location. May inlcude automobile hauling
7231 Mail and Package Deliver and Courier Services. The applicable code for companies that deliver and/or pick up non-owneed packages and messages on a local basis.
7230 Trucking- Package and Parcel Delivlery. This class is utilized for trucking companies that deliver merchandise from retail stores to customers.
7380 Commercial Drivers, Chauffers, and Messengers. This class is intendeded for drivers who are not employed by a public transportation service and do not better fit another class code. This may include delivery by bicycle.
7232 Contract Trucking- U.S. Postal Serevice. Applies to mail, parcel, and package delivery under contract with the U.S. Postal Service

Occupational Accident and Workers Compensation

  • We can help you if:
    • If we only offer workers comp if we write you truck primary truck insurance policy.
  • Do we currently wriite your primary liability and/or are you working with us to write your primary liability.
  • Please supply us with this information.
  • Please choose which describes your operation the best.
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    Commercial Truck Insurance

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