Insurance for parcel delivery
Long hours and heavy lifting make parcel delivery high-risk. Kinetic simplifies workers’ comp with built-in injury reduction technology, data insights, and competitive pricing to protect your clients' drivers and reduce their costs.
Why choose Kinetic for workers' comp?
Smarter safety
Proactively prevent workplace injuries with smart safety tech built into every Kinetic policy.
Lower costs
Help your clients reduce their premiums, on average, by 13% with data-driven safety.
Specialized expertise
Rely on our industry expertise for tailored coverage and seamless claims handling.
Target class codes for parcel delivery
We know parcel delivery and the risks associated with it. Let us provide workers' comp for your clients in:
- 7230/7198 Trucking - Parcel or Package Delivery
- 7231/7219 Mail Parcel or Package Delivery and Courier
- 7232 Trucking - Mail Parcel or Package Delivery - Under contract
Parcel exclusions
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No payroll growth >70% in the current or expiring year without reasonable explanation.
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No exposure in Wisconsin.
General exclusions
No Aircraft exposure; No Mid-term business, unless they are coming out for PEO or Captive; No business with less than 3 years of prior workers comp coverage upon policy inception date; No 1099 Exposure greater than 40%; No risks coming out of a PEO, unless they have their own NCCI or state bureau ex-mod; No Staffing Agencies; No USL&H; No Jones Act; No Maritime Employers Liability; No Foreign Coverage; No Retroactive policies; No Large risk alternative rating option (LRARO).
Ready to submit?
Submitting is simple. Just ensure your submission meets the minimum premium size of $50,000 and includes:
- ACORD 130
- Industry supplemental applications
- Ex-mod worksheet
- Current year and prior 3 years loss runs valued no more than 120 days prior to effective date
- Target pricing (if known)
