Workers’ Compensation for Trucking
Workers’ compensation pays medical bills and lost wages for employees hurt on the job. Texas is the only state where private employers can opt out — which makes it a decision, not a given, for a trucking fleet.
For a fleet with W-2 drivers and yard staff, workers’ comp covers on-the-job injury. Texas uniquely lets employers go “non-subscriber,” but that trades away important legal protections, and many shippers and contracts require comp anyway. We help you weigh it against occupational accident coverage.
What it covers
- Medical costs for on-the-job driver and worker injuries
- Lost-wage benefits during recovery
- Employer liability protection that non-subscription forfeits
- Coverage many brokers, shippers, and contracts require
Who needs it
Fleets with W-2 employees. Even where Texas allows opting out, contracts and legal exposure often make it the right call.
Common questions
- Is workers’ comp required for trucking companies in Texas?
- Texas is the only state where private employers can legally choose not to carry workers’ compensation. But opting out (“non-subscribing”) gives up key legal defenses, and many shippers and contracts require comp — so most established fleets carry it anyway.