Buying workers’ compensation for:

Transportation and Warehousing

Transportation and Warehousing

What to Know

  • If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.
  • Transportation & Warehousing is a mid- to high-risk industry because it is accident-prone.
  • The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost.

Potential Hazards

  • Heavy equipment, dangerous tools, heights and working outdoors can all make for potentially hazardous working conditions.
  • Delivery and transportation businesses are considered high risk.
  • Working at heights above 15 feet, on roofs or in trenches will make your business a greater risk.
  • If you perform work outdoors, your level of risk could vary depending on your state’s climate and weather patterns (extreme heat, snow, natural disasters).

Work Class Codes

Many businesses have several work class codes that describe what their employees do. It’s important to classify each group of employees accurately because it could alter your premium dramatically.

  • Trucking
  • Water shuttle
  • Warehousing & storage
  • Moving services
  • Taxicab services

Other Tips

If your insured employs workers in multiple states or your insured’s employees are temporarily working out-of-state, they need to purchase insurance for all the states where their workers are located, according to each state’s laws. Call 1-800-476-2948 and let us walk you through it.

The nature of your insured’s business, number of employees being covered and past coverage and claims are all factors in how much their premium will cost.