PRODUCTS + SERVICES

WORKERS COMPENSATION insurance

WORKPLACE INJURY INSURANCE

MOTOR CARRIER WORKERS COMPENSATION

Workers Compensation coverage protects a motor carrier from liability if one of its employees is injured while on the job. Workers Compensation is also required by most states. Workers Comp typically provides your injured employee with four types of benefits:

  1. Medical
  2. Lost wages (sometimes called indemnity)
  3. Rehabilitation
  4. Death benefits
If you are a motor carrier considering Workers Compensation insurance, it is important to choose an insurance company that understands the unique needs of your trucking operation. That is because what works for one trucking company may not be the right coverage for yours.
WE ONLY FOCUS ON TRUCKING

GREAT WEST WORKERS COMPENSATION

At Great West Casualty Company, we know the distinctive challenges that trucking companies face each day. That is because insuring the trucking industry is our only focus. We have been protecting truck drivers, owner-operators, and motor carriers for more than 65 years. Our team of trucking insurance experts specializes in building insurance policies to meet your operation’s needs.

Great West Workers Compensation insurance includes all states — except the monopolistic states of North Dakota, Ohio, Washington, and Wyoming — and offers you the broadest possible coverage territory. We also provide distinctive insurance options that are unique to the nuances of the trucking industry.

If you are in New York, please refer to this page regarding payment of workers compensation benefits by direct deposit.

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UNIQUE TRUCKING INDUSTRY COVERAGES

WORKERS COMPENSATION OPTIONS

No two trucking companies operate alike. That is why Great West provides a number of options to help you customize a policy to your exact business needs.

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WORKERS COMPENSATION

RISK FINANCING OPTIONS

While a Guaranteed Cost Workers Compensation policy may be a great fit for a small to medium-sized motor carrier, it may not be the best fit if you’re a larger trucking company with the financial stability to assume more risk in exchange for lower premiums. That is where the experienced underwriters at Great West can help. Our team can tailor your risk financing options to fit your business’s needs.

 

EXCESS WORKERS
COMPENSATION PLANS

If your state has granted your trucking company self-insured status, an Excess Workers Compensation policy can be an attractive risk financing option to limit your financial liability. Excess Workers Comp reimburses your company for claims that exceed your authorized self-insured maximum, up to the limits of the policy. The policy caps your financial liability and out-of-pocket costs, protecting your trucking company from large payouts.

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LARGE DEDUCTIBLE
PLANS

A large deductible plan is a Workers Comp option that can be financially advantageous for large motor carriers. If your business is financially stable and you are focused on loss control measures, it may be an attractive risk financing option. With this plan, your trucking company retains more of the risk associated with workplace injury claims by selecting a higher deductible — in exchange for lower premiums.

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RETROSPECTIVE RATING PLAN

A retrospective rating Workers Comp plan incentivizes companies to control losses through safe operations. It can be a great fit if you are a large motor carrier that is dedicated to workplace safety and has a reliable claims history. After the policy expires, an adjustment is made to your premium based on claims that occurred during its term. The premium adjustment can go up or down based on the losses you had. The plan rewards companies that have few claims with reduced premiums.

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PARTNER WITH A TRUCKING EXPERT

GET YOUR WORKERS COMPENSATION INSURANCE FROM A COMPANY THAT UNDERSTANDS TRUCKING

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WE’RE STANDING BY TO ASSIST YOU

24/7/365 CLAIMS SERVICES

At Great West, we strive to provide the best claims service in the trucking industry. When your employee experiences a Workers Compensation injury, our team pledges to adjust the claims fairly and communicate with all parties in a timely manner.

Additional claims services include subrogation services, medical bill reduction processes, pharmacy programs, nurse case managers, and semi-annual insured claims reviews.

Claims can be reported 24 hours a day, 7 days a week, 365 days a year. Phone calls are answered by a live person who will immediately set the claims process in motion by logging the initial report and dispatching the claim to a claim adjuster. To file a claim, call 800.228.8040.

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PREVENT WORKPLACE ACCIDENTS

GREAT WEST RISK CONTROL SERVICES

Our Great West team helps you create a safer workplace. Our proactive team of specialists provides a wide variety of resources to motor carriers to help prevent and reduce job-related injuries. Our risk control representatives partner with you to implement loss-prevention strategies that focus on awareness and employee behavior modification. Not only do you keep your employees safer and benefit from fewer disruptions due to injury, but preventing accidents can help you reduce your Workers Compensation premiums.

RISK CONTROL SERVICES INCLUDE:

  • Comprehensive risk control programs specifically designed for the trucking industry
  • On-site visit
  • Truckers' Injury Prevention System (TIPS) manual, an industry-specific resource for workers compensation
  • Customized safety seminars
  • Driver/personnel meetings focused on incident prevention
  • Online access to safety materials such as posters, newsletters, and a video learning library
  • OSHA materials, including inspection materials, training seminars, communication materials, injury record logs, and regulatory information
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Your questions about trucking

Frequently asked questions

Does my trucking company need Workers Compensation insurance?
Workers Compensation insurance covers medical care and benefits for an employee after an injury occurs on the job. Most states require that companies carry Workers Compensation insurance. However, this coverage is recommended for all companies, regardless of where they are located.
Are there limitations or exclusions within Workers Compensation coverage?

Yes, Workers Compensation coverage may have limitations or exclusions. Common exclusions can include injuries resulting from employee misconduct, self-inflicted injuries, injuries occurring while engaging in illegal activities, or injuries not related to work. It's essential for employers and employees to review their Workers Compensation policy to understand any specific limitations or exclusions that apply.

Can Workers Compensation coverage be customized to cater to the specific needs or risks of a trucking company?

Yes, Workers Compensation coverage can often be customized to meet the specific needs and risks of a trucking company. This customization allows businesses to adjust coverage limits, incorporate endorsements for industry-specific risks, and tailor their policies to align with their unique workforce and operations.

Can Workers Compensation insurance be packaged or combined with other types of coverage in commercial trucking policies?

Yes, Workers Compensation insurance can often be packaged or combined with other types of coverage in commercial trucking insurance policies. By bundling Workers Compensation with other relevant insurance offerings, businesses can ensure comprehensive protection for both their employees and their assets within the trucking industry.

Does Workers Compensation cover injuries occurring both on-site and off-site for trucking employees?
Yes, Workers Compensation typically covers injuries that occur both on-site and off-site for trucking employees, as long as the injuries are work-related. Whether an injury happens at the company's facilities, during transportation, or at another location related to work duties, Workers Compensation provides coverage for medical expenses, lost wages, and rehabilitation. It's essential to report any workplace injuries promptly to ensure proper coverage and benefits for affected employees.

Check with your agent for availability in your state.

This material is a broad overview only, provided for informational purposes. Great West Casualty Company (GWCC) does not provide legal or employment-related advice to anyone, and this is not intended to serve as such advice. Such advice should be sought from your legal counsel. GWCC shall have no responsibility or liability to any person or entity for any issue alleged to directly or indirectly result from the use of this information.

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