Workers Compensation Coverage protects your trucking business from liability if a worker is injured on the job and is required by most states. It typically provides an injured worker with four types of benefits:
- Lost Wages (indemnity)
- Death Benefits
Partnering with Joe Morten & Son for your Workers Compensation Coverage gives you the advantage of having an experienced team on your side. Our Workers Compensation Coverage, through Great West Casualty Company, offers the broadest coverage available, providing All States Coverage. Our team of underwriters is focused on the trucking industry and provides a range of policies structured to meet your needs.
Our years of experience dedicated to insuring the trucking industry mean you get a proactive team of risk management specialists that can provide resources to help you prevent and reduce injuries and keep your workforce healthy and productive. In the event of an incident, our adjusters will make sure they address any concerns you may have about a claim, and they’ll help get your injured employee back to work as soon as possible.
Plus, we also provide a selection of policy options to choose from.
WORKERS COMPENSATION INSURANCE OPTIONS
The benefits of a Guaranteed Cost policy include having first-dollar coverage with no deductible. You may prefer this option because it is simple to administer (due to its fixed premium) and there is minimal risk (because the premium doesn’t change even if you incur losses). Compared to other options, your premiums may be higher, and they won’t decrease for having fewer claims.
The benefit of a large deductible workers compensation policy is that your premium is typically less than a guaranteed cost policy because your company receives a deductible credit for paying out smaller claims.
More than forty states currently allow a large deductible plan.
We can provide waiver of subrogation endorsements. The cost to add a waiver is based on our filed charge with the NCCI and state bureaus. To issue this endorsement, we need:
- a copy of the contract for each waiver requested,
- the motor carrier’s total gross estimated annual revenue for the current policy term,
- and the revenue generated from each contract.
If affiliates and subsidiaries are requested to be included in the waiver, then a list of the affiliates and subsidiaries is required.
ADDITIONAL COVERAGE OPTIONS:
Owner-operators and contract drivers who qualify as independent contractors are not typically covered by state workers compensation laws. That’s when our Occupational Accident (OCC/ACC) Coverage steps in. It covers an independent contractor for a claim sustained while driving a truck under lease and dispatch of a motor carrier. It provides coverage for accidental death, dismemberment, paralysis, disability, and accident-related medical expenses to owner-operators and contract drivers for injuries sustained while under dispatch. You also have the option to add Non-Occupational Accident Coverage for accidental death, dismemberment, and accident-related medical expenses while you’re under lease or dispatch. (Policies are not available in all states and are available only to U.S. citizens.)
Please Note: OUR OCCUPATIONAL ACCIDENT POLICY IS NOT A POLICY OF WORKERS COMPENSATION INSURANCE. This policy is not in place of, and does not affect, any requirements for coverage under any workers compensation, unemployment compensation, disability benefits law, or any similar state or federal law.
Single Unit Owner-Operator Workers Compensation Policies
For trucking companies with both our Workers Compensation and Commercial Truck Coverage, we offer Single Unit Owner-Operator Policies to cover owner-operators under your motor carrier lease. This policy is not portable, so if the owner-operator breaks the lease, the policy will be canceled. This policy also doesn’t require an audit (it simply uses the sole proprietor’s payroll) and excludes all states except those listed as an exclusion on the policy’s declaration page.
This policy is currently available in the following states: Nebraska, Illinois, North Carolina, Arizona, Mississippi, New Mexico, Nevada, Utah, Georgia, Indiana, Iowa, Kansas, Minnesota, Missouri, Oregon, Pennsylvania, and Wisconsin.
If you own a trucking fleet, your fleet is under lease to a Great West insured motor carrier, and you employ drivers that are required to be covered under Workers’ Compensation, we have a Workers Compensation policy just for you. This policy is not portable, so if you break your lease, this policy will be canceled.
This policy is currently available for fleet owner-operators in the following states: Nebraska, Illinois, North Carolina, Arizona, Mississippi, New Mexico, Nevada, Utah, Georgia, Indiana, Iowa, Kansas, Minnesota, Missouri, Oregon, Pennsylvania, and Wisconsin. The policy excludes all states except those listed as an exclusion on the policy’s declaration page.
Your Employee Safety Is Our Top Concern
Great West's team of proactive risk management and loss control specialists work with you and your crew to help you avoid the likelihood of a claim. We offer services to our policyholders such as:
- “What-if” scenarios to help you calculate the cost of potential losses based on e-mod (actual claims experiences from similar businesses that are a similar size). This helps you assess if you need risk improvements.
- Safety programs specific to the trucking industry, like Truckers Injury Prevent Strategies (TIPS) and Value-Driven® Life, a Value-Driven® Company program.
- Access to safety supplies and a video learning library.
- Driver/personnel meetings focused on incident prevention through behavior modification.
- Online access to safety materials like posters and newsletters.
- Customized safety seminars.
- Access to OSHA materials including inspections, training seminars, communication materials, injury record logs, and regulatory information.
Unparalleled Workers Compensation Claim Services
Our team of workers compensation professionals delivers unparalleled claims management and customer service.
We make it a point to keep our adjuster caseloads low so that they have the time they need to dedicate the attention your claim deserves. You can expect prompt and comprehensive investigations to ensure appropriate, sound decisions and timely extension of benefits to help reduce the chance of litigated claims. You’ll find our team’s approach is proactive, outcome-focused, results-oriented, and conducted in an empathetic and professional manner.
Our adjusters will reach out to an injured employee within 24 hours after an incident is reported, in most cases. They’ll follow up regularly with your business, the worker, the physician, and our staff medical advisor to ensure effective and efficient medical and disability management. Our team’s attention to the details, ability to utilize multiple cost-saving techniques, and focus on maintaining close communication with the injured worker and your business means the best possible outcome for your employee and your bottom line.
CLAIMS CAN BE SUBMITTED 24/7 THROUGH OUR CLAIMS REPORTING NUMBER 800.228.8040.
- Prompt and comprehensive investigations
- Access to a multi-PPO network to help contain costs
- A network of nearly 55,000 pharmacies to provide convenient, cost-effective, timely prescriptions for injured workers
- Pharmacy bill review
- Medical bill review
- Use of evidence-based resources (like the Official Disability Guidelines - ODG) to ensure proper treatment guidelines are used to help return injured employees back to work in a timely and safe manner
- Assistance with light and transitional return-to-work options