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Workers’ Comp Insurance for Trucking & Delivery Services in New York
Workers’ Compensation Insurance for Trucking & Delivery Services in New York
Protecting the backbone of New York’s economy—one driver at a time. The trucking and delivery industry faces unique risks every mile. At Workers’ Compensation Insurance in New York, we specialize in crafting insurance solutions that keep your fleet protected, your drivers safe, and your business compliant with New York State laws.
We provide affordable Workers’ Compensation Insurance in New York specifically designed for trucking companies, courier services, last-mile delivery, and logistics operators. Beyond workers’ comp, we ensure your entire operation is shielded with General Liability Insurance and comprehensive Business Owner’s Policy (BOP) packages tailored for the transportation sector.
Workers’ Compensation Insurance for Trucking in New York
Workers’ Compensation Insurance is mandatory for New York trucking employers with one or more employees. This crucial coverage protects your business from the financial impact of work-related injuries and illnesses common in the transportation industry.
Our New York Workers’ Comp policies for trucking companies cover:
Medical expenses for injuries sustained on the road or during loading/unloading.
Lost wage replacement for drivers unable to work due to a covered injury.
Disability benefits (temporary or permanent) as mandated by the New York State Workers’ Compensation Board.
Occupational illness coverage, including issues from prolonged driving.
Employer liability protection against lawsuits from injured employees.
Death benefits for families in the event of a fatal work-related accident.
General Liability Insurance for Trucking & Delivery Services
Your vehicles and drivers interact with the public and client property daily. General Liability Insurance in New York is essential for protecting your trucking business from third-party claims.
This policy covers:
Bodily Injury: If a third party (e.g., a pedestrian or client employee) is injured due to your business operations.
Property Damage: Coverage for damage to a client’s dock, building, or other property caused by your employees or vehicles.
Personal & Advertising Injury: Protection against claims of libel, slander, or copyright infringement in your marketing.
Business Owner’s Policy (BOP) in New York
Simplify your coverage and save with a Business Owner’s Policy (BOP) in New York designed for small to mid-sized trucking and delivery companies. A BOP bundles essential coverages into one convenient, cost-effective package.
A typical BOP for a New York delivery service includes:
General Liability Insurance (as detailed above).
Commercial Property Insurance: Protects your business property, such as your office, warehouse, garage, and stored cargo.
Business Interruption Insurance: Replaces lost income and covers ongoing expenses (like loan payments) if a covered event (e.g., a fire at your garage) forces you to temporarily halt operations.
Our progress in recent years
Join 100+ New York businesses choosing us for reliable insurance coverage.
Our trusted insurance partners and carrier network help us provide fast quotes, affordable premiums, and unmatched customer support.
What Our New York Clients Say
witching to Workers’ Compensation Insurance in New York saved us thousands every year. Their team helped us secure affordable workers’ comp coverage, handled certificates fast, and supported us through every claim
Client Review, Business Owner in NYC
Frequently Asked Questions
- Who needs Workers’ Comp in the New York trucking industry?
Any trucking company, delivery service, or courier in New York with employees (including owner-operators with employees) is required by New York State law to carry Workers’ Compensation Insurance.
- Do independent owner-operators need Workers’ Compensation Insurance in New York?
If an owner-operator works as a sole proprietor with no employees, they are not legally required to carry it for themselves but may need proof of coverage to secure contracts. If they hire even one helper or driver, coverage becomes mandatory.
- What is General Liability Insurance?
It protects your business from third-party claims like customer injuries, property damage, and lawsuits.
- What unique risks does Workers’ Comp cover for truck drivers?
Beyond accident injuries, it can cover illnesses from long-term driving, injuries from loading/unloading cargo, and repetitive stress injuries. It ensures medical costs and lost wages are covered, keeping your drivers protected and your business secure.
- What does a Business Owner’s Policy include?
A BOP combines General Liability with Property Insurance, offering maximum protection at lower cost.
- How fast can I get Workers’ Comp coverage in New York?
Most businesses receive same-day or next-day approval.