Getting a First Quote for Trucking & Transportation Workers' Comp

To get a first quote for workers' comp in the trucking and transportation sector, agencies must ensure they have the right information in hand. This includes the business type, number of employees, payroll, and the applicable class codes. The submission process should reflect the specific operations of the business, whether it involves truck drivers, parcel delivery, or towing services. Agencies should also consider the state-specific rating bureau requirements, as class codes and exposure bases vary by jurisdiction. For a smooth submission, align the class code with the nature of the business and ensure all necessary documentation is ready for upload.

Trucking & Transportation Class Codes

For trucking and transportation businesses, the following class codes may apply, depending on the specific nature of the operations and the state in which the business operates:

  • 7208: Drivers — Trucking — NOC
  • 7198: Parcel Delivery Companies
  • 7225: Automobile Towing & Drivers – towing, which is not general trucking and is rated apart from it.
  • 7219: Trucking NOC — All Employees & Drivers – the catch-all trucking classification, used when no more specific hauling classification fits.
  • 7228: Trucking — Local Hauling Only — All Employees and Drivers – local hauling only.
  • 7229: Trucking — Long Distance Hauling — All Employees and Drivers – the long-haul counterpart, rated separately from local work.
  • 7231: Mail, Parcel, or Package Delivery and Courier or Messenger Service Companies — All Employees & Drivers – courier and package work.
  • 7272: Water Truck Service Companies — All Operations – water hauling, which is rated on its own rather than as general trucking.

Submission Checklist for Agencies

Before submitting a trucking or transportation workers' comp quote, agencies should ensure the following items are included in the submission:

  1. Business Details – Provide a clear description of the business type and operations.
  2. Payroll Information – Include the total payroll, as this is a key factor in determining the premium.
  3. Class Code Selection – Select the correct class code based on the nature of the operations and the state-specific rating bureau.
  4. Employee Count – List the total number of employees, including drivers and any support staff.
  5. Exposure Basis – Ensure the submission reflects the correct exposure basis, typically payroll for trucking and transportation businesses.
  6. Loss Runs – If applicable, include loss runs to provide a historical view of the business’s claims history.
  7. Owner Inclusion Election – Specify whether the owner is included in the coverage, as this can impact the premium.

State-Specific Considerations

Trucking and transportation businesses often operate in several states, and some states have their own rating bureau and class code system. For example:

  • California uses the WCIRB for workers' comp class codes and exposure bases.
  • New York uses the NYCIRB, which has its own classification system.
  • New Jersey uses the NJCRIB, and its class codes differ from NCCI.

Agencies must confirm the correct class code for the state in which the business operates and ensure the submission reflects the state-specific requirements. This can impact the premium.

Cross-Selling Opportunities

While workers' comp is a key line for trucking and transportation businesses, agencies can also explore cross-selling opportunities. For example:

  • General Liability – Covers injuries or property damage to third parties, which can be relevant for delivery and towing operations.
  • Commercial Auto – Covers vehicles used in the business, such as trucks and vans.
  • Cyber Insurance – For businesses that handle sensitive data or have online operations.
  • Professional Liability – For appraisal or surveying services in the transportation sector.

Agencies should assess the business’s full risk profile and consider recommending additional lines to provide comprehensive coverage. This not only strengthens the client relationship but also increases the agency’s revenue potential.

Using Cennairus to Streamline Submissions

Cennairus is an AI-native wholesale platform that allows agencies to submit workers' comp and other commercial lines to a growing network of carriers. The platform automates document processing and provides policy servicing in one place. A single application reaches several carriers and specialty markets; some are connected by API and others are worked by email or a program desk. For more information or to start submitting quotes, visit start your quote and begin leveraging the platform’s capabilities.