Insurance for transportation
The key to safeguarding trucking and waste management employees while managing costs? Workers' comp powered by Kinetic’s safety tech, data-driven insights, and industry expertise.
Why choose Kinetic for workers' compensation?
Proactively predict, prevent, and manage workplace injuries with advanced safety tech built into every Kinetic policy.
A (Excellent) Rated
Backed by Nationwide, every policy is written on A-rated paper.
Lower costs
Reward your client's safer behavior with performance-based dividends and 13% lower premiums.
Specialized expertise
Rely on industry expertise for tailored coverage and seamless claims handling.
Target class codes for transportation
We specialize in workers’ comp for these high-demand industries:
3821 Automobile Recycling & Drivers
7219/7227 Trucking NOC
7228/7227 Trucking - Local Hauling Only
7590/9424 Garbage Works
9403 Garbage Ashes or Refuse Collection


Transportation exclusions
No wide-load, spreader truck, auto transport trucks, tanker trucks, or triple trailer hauling. Tanker trucks (excluding Petroleum) entertained on limited territory.
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).
Where we are seeing success
Kinetic partners are seeing success placing risk in industries where safety is key.
Janitorial
Class Code: 9008 State: CA
Bound Premium:
$103,611
Trucking
Class Code: 7219 State: IL
Bound Premium:
$51,112
Parcel Delivery
Class Code: 7198 State: CA
Bound Premium:
$310,184
Wholesaler & Warehouse
Class Code: 8292 State: CA
Bound Premium:
$57,337
Parcel Delivery
Class Code: 7231 State: MO
Bound Premium:
$288,544
Wholesaler & Warehouse
Class Code: 8018 State: CA
Bound Premium:
$170,103
Parcel Delivery
Class Code: 7231 State: AL
Bound Premium:
$51,359
Ready to submit?
Submitting is simple. Just ensure your submission includes:
ACORD 130
Current year and 3 prior policy periods of loss runs
Ex-Mod Worksheet (required for all parcel submissions, requested for other industries)
Industry supplemental applications
