Workers' compensation insurance for trucking companies and waste collection

Kinetic writes workers' compensation for trucking companies, local haulers, and waste collection fleets with $50,000 or more in premium. Every policy is on A-rated paper and comes with real-time intelligence and a team of experts, so injured employees get back on the road sooner.

Workers' comp class codes for trucking companies and waste collection

Below is a selection of covered classes, view our full class list for everything in appetite:

3821 Automobile Recycling & Drivers

7219/7227 Trucking NOC

7228/7227 Trucking - Local Hauling Only

7590/9424 Garbage Works

9403 Garbage Ashes or Refuse Collection

Exclusions

No wide-load, spreader truck, auto transport trucks, tanker trucks, or triple trailer hauling. 

No hauling of hazardous materials, heavy machinery, or equipment.

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).

Why brokers choose Kinetic for trucking workers' compensation insurance

Real-time claims intelligence and an expert team give your clients control of their claims and their costs.

Where we're seeing success

Kinetic partners are writing frontline workers' compensation accounts across the country and seeing measurable results.
Parcel Delivery

Class Code: 0808  State: PA

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Bound Premium:
$309,929
Manufacturing

Class Code: 2812  State: CA

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Bound Premium:
$91,113
Janitorial

Class Code: 9008  State: CA

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Bound Premium:
$189,347
Parcel Delivery

Class Code: 7231  State: CT

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Bound Premium:
$200,450
Hotel

Class Code: 9050  State: CA

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Bound Premium:
$238,197
Parcel Delivery

Class Code: 7231  State: GA

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Bound Premium:
$228,493
Janitorial

Class Code: 9008 State: CA

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Bound Premium:
$205,855

Send in your trucking or waste collection submission

Submitting is simple. Just ensure your submission includes:

ACORD 130

Current year and 3 prior policy periods of loss runs

Ex-Mod Worksheet 

Industry supplemental applications

Frequently asked questions about workers' comp for trucking companies

What is the minimum premium for trucking workers' compensation accounts?
$50,000. Transportation accounts below that threshold fall outside our current appetite.

View our full appetite and exclusions.
What type of transportation clients are a good fit for Kinetic's workers' comp program?
Kinetic is built for employers looking for a strategic partner invested in the long-term direction of their workers' compensation policy. Businesses that choose us want a partner who is engaged, deeply understands their business, and is an active guide throughout the policy period.
How much can trucking policyholders earn in dividends?
Policyholders who prioritize safety and a consistent return-to-work program may be eligible for dividends of up to 26%.

Ready to submit an account?