How transportation businesses differ from trucking
Passenger carriers face assisting riders, loading wheelchairs and luggage, and long driving shifts. Couriers and movers face repetitive lifting, stairs and frequent stops. Each type of operation has its own classification, so describing your work accurately matters more than the size of the vehicle.
Dispatchers, mechanics and office staff may be rated separately from drivers when their duties are distinct.
Contract and certificate requirements
Healthcare facilities, school districts and corporate clients often require transportation vendors to show workers comp, employers liability limits and sometimes a waiver of subrogation before a contract starts.
Transportation operations
- Courier and messenger services
- Limousine and black car
- Shuttle and charter
- Non-emergency medical transport
- Household movers
- School and contract transportation
Transportation services workers comp by state
Requirements and rating rules vary by state. Choose your state for the essentials, including who must carry coverage and who oversees it.
Frequently asked questions
Are app-based or 1099 drivers covered?
If they are truly independent contractors under state law, your policy usually does not cover them. Misclassification is a common audit issue, so review how drivers are engaged with your agent.
Do I need a separate policy for mechanics?
No. Mechanics and office staff are listed on the same policy under their own class codes.
Can I get coverage if I operate in more than one state?
Yes. The policy can list multiple states, and other-states coverage can help with unexpected work elsewhere. Monopolistic states require separate arrangements.