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Workers’ Comp for Truck Drivers


Are you looking for Workers Comp for Truck Drivers? Learn the law side of workers’ compensation in minutes from an experienced lawyer of BWO Attorneys.

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What Does Workers’ Compensation Cover?


When an employee is injured on the job, workers’ compensation provides benefits such as medical care or some of their lost wages. This no-fault insurance is a state-mandated program. Therefore, employers are immune from civil suits brought by injured employees.


Do Truck Drivers Qualify for Workers’ Compensation in Missouri?


According to Missouri’s workers’ compensation law, workers must have been injured while at work or performing their duties to qualify for workers’ comp.

What matters is that the truck driver is an employee and not an owner-operator, who is basically an independent contractor. For example, owner-operators are not required to be covered by a workers’ comp policy in Missouri. Thus, their workers’ comp coverage requests are often denied.

workers’ comp claim is typically only available if the injury or death was work-related. For example, if a tractor-trailer driver died in an accident while driving his car to work, he would not be covered by workers’ comp unless it can be proven that his death occurred while engaging in employment duties. Truck drivers, however, would usually be covered if they were injured on the job.

What Type of Injuries Qualify for Truck Workers’ Compensation?


Several injuries can occur to a truck driver while on the job. Workers’ compensation insurance may cover gradual or traumatic injuries sustained by truck drivers.

This means that if a collision occurs while the tractor and/or trailer are driving on a highway, or if the truck is at rest at a loading dock, weigh station, truck stop, or rest area, it may be covered under this plan.


Common Causes for Truck Drivers’ Injuries

Truck drivers usually sustain workplace injuries in the following situations:

  • Motor vehicle accidents
  • Loading or unloading freight
  • When making roadside repairs on the truck
  • Slip and Fall entering or exiting the truck

How Much Is Workers’ Comp Insurance for Truck Drivers?


The cost of workers’ compensation for trucking companies can vary depending on several factors. The most crucial factor is the state in which the company operates. Each state has different laws governing workers’ compensation, so it’s essential to have a policy covering all bases.

The law in Missouri requires all businesses with at least five employees to carry workers’ compensation insurance. This means that employers are responsible for these payments.

Workers’ compensation employer rates in Missouri are generally based on several factors, including:

  • Payroll and number of employees

  • Location of your business

  • Industry and risk factors

  • Workers’ compensation coverage limits

  • Claims history

Long haul trucking workers are usually much cheaper to insure under workers’ compensation than truck drivers. If you are a trucking employer in need of a detailed workers’ comp calculation or assistance finding for an insurer, contact a workers’ compensation lawyer in Springfield.

Comparing quotes from different comp insurance companies is the best way to ensure you get the best possible rate for your trucking company. 

Attorney Experienced With Workers’ Compensation for Truck Drivers 


Workers’ compensation should be pursued aggressively by a truck accident attorney St. Louis to ensure that you receive the maximum compensation possible. Overall, the facts of each case determine the amount of the workers’ compensation benefits.

Contact St. Louis Workers’ Compensation Attorney to begin your claim.

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