Employee Protection

Workers' Compensation Insurance

Provides medical benefits and wage replacement to employees injured on the job. Mandatory for businesses with employees in California.

What is Workers' Compensation Insurance?

Workers' compensation insurance provides benefits to employees who are injured or become ill due to their job. For transportation companies, this includes drivers, dispatchers, mechanics, and office staff.

In California and most other states, workers' compensation is required by law for all employers. This coverage protects both your employees and your business from the financial impact of workplace injuries.

Workers' comp provides a no-fault system, meaning employees receive benefits regardless of who caused the injury, and in return, they cannot sue you for workplace injuries.

What's Covered?

Medical Expenses
  • Emergency room and hospital care
  • Doctor visits and specialists
  • Surgery and hospitalization
  • Prescription medications
  • Medical equipment and supplies
Wage Replacement
  • Temporary disability benefits
  • Permanent disability benefits
  • Partial wage replacement during recovery
  • Supplemental job displacement
Rehabilitation
  • Physical therapy
  • Occupational therapy
  • Vocational rehabilitation
  • Return-to-work programs
Employer Protection
  • Lawsuit protection from employees
  • Legal defense coverage
  • Regulatory compliance
  • Death benefits for families

Transportation Industry Risks

Transportation workers face unique occupational hazards that make workers' compensation essential:

Vehicle Accidents

On-the-job collisions and injuries

Slip and Fall

Entering/exiting vehicles, loading areas

Repetitive Stress

Back injuries from extended driving

Assaults

Violence from passengers or third parties

Frequently Asked Questions

Coverages That Pair With Workers Compensation

Commercial Auto Insurance

Auto liability that pairs with workers comp coverage.

General Liability Insurance

Premises and operations liability for your business.

NEMT Insurance

Workers comp for NEMT drivers and patient-care attendants.

Limousine Insurance

Workers comp for chauffeurs and dispatch staff.

Related Transportation Insurance

Explore other commercial transportation insurance programs we write for fleet operators across the United States.

NEMT Insurance

Non-Emergency Medical Transport coverage for Medicaid contracts.

Limousine Insurance

Luxury limo, sedan, and chauffeured fleet coverage.

Black Car Insurance

TCP and CPUC-filed coverage for executive black car services.

Paratransit Insurance

ADA paratransit and accessible transport coverage.

Medical Transportation Insurance

Coverage for ambulettes, gurney vans, and patient transport.

Commercial Auto Insurance

Auto liability and physical damage for commercial fleets.

General Liability Insurance

Premises and operations liability for transportation businesses.

Protect Your Employees Today

Get workers' compensation coverage to protect your team and your business.