Trucking company coverage guide
Occupational accident for trucking companies
Updated 2026-06-11 · by Brokly
If a leased owner-operator is hurt and workers' comp doesn't cover them.
Coverage
What it covers for trucking companies
An accident policy paying medical, disability, and death benefits to independent owner-operators who sit outside employee workers' comp. Some states bake it into the law: Kansas treats a leased single-truck owner-operator as a non-employee of the motor carrier only if covered by an occupational accident insurance policy. Trucking's leased owner-operator model can leave the person actually driving outside the carrier's workers' comp — this is the trade's standard fill for that gap.
Sources: Kansas Office of Revisor of Statutes — K.S.A. 44-503c (retrieved 2026-06-06)
By state
Occupational accident by state
What trucking companies need varies by state. See the full guide for trucking companies in your state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · all states →