Commercial Truck Insurance: Workers Compensation Insurance

Sometimes accidents happen on the job, especially in an industry like commercial trucking. That's why we pay for things like truck insurance. Well, when accidents do happen, employers and employees alike need to feel that proper action can be taken. It will be a nightmare to face if you find out that you or your employer do not have the proper coverage to make things right. So be proactive and learn about your coverage before the unthinkable happens.

It is the employer's obligation to provide his or her employees with a safe working environment. In a trucker's case a safe environment means a safe truck, safe hours of operation, routine maintenance, safe loading tools, safe docks, etc. In the event that an accident does occur, it is the employer's responsibility to assist the victim with the cost of medical care... not vice versa.

Employers should also feel secure that the employee won't have to file a lawsuit against the company to recover damages or lost wages, thereby harming the company.

This is as true in the commercial trucking business as it is in any other industry-because of the dangers of consistently operating heavy machinery in public, workers compensation is often an integral part of commercial truck insurance. In fact, it's often required of motor carriers by state law. Although many safety regulations and procedures are in place to protect drivers and freight companies, accidents will happen. It's your responsibility to make sure you don't get the short end of the stick because when the accident does happen, everyone will only be looking out for him or herself.

Workers Compensation Insurance

Workers compensation insurance is a specialized type of commercial truck insurance that is purchased by motor carriers and freight employers. It is designed to cover for wages lost and medical bills incurred as the result of a workplace accident. In many states, it is mandatory that employers provide this insurance.

Commercial Truck Insurance: Workers Compensation Insurance

Benefits For Employees

Employees who are injured in on-the-job accidents will have their medical expenses covered, first and foremost. In addition, part or all of the wages they lose due to absence as a result of the accident will paid to them. As an added benefit, employers are encouraged to make their work environments safer to avoid accidents and, as a result, keep their workers compensation insurance rates low. Everyone benefits from a safer workplace.

Benefits For Employers

The primary benefit for employers is the security from lawsuits filed by injured employees. Employers can also cover their independently contracted drivers with separate occupational accident insurance, as those employees may not be legally protected under their workers compensation policy.

Everyone in the commercial truck industry has the right to a safe working environment and the security that comes with knowing that in the event of an accident, they will be covered. Be sure to have a strong commercial truck insurance policy to keep yourself safe from the time and pain of ugly lawsuits. Take our advice and don't wait until a messy and unfortunate situation comes along to get your truck insurance right.