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Workers' Comp Insurance for Trucking Businesses in Washington

Local trucking (NCCI 7228) and long-distance (7229) are differentiated by operating radius. Owner-operators may be exempt as sole proprietors but most freight brokers require coverage. Loading and unloading drives most claims in Washington. The Washington workers' compensation market is governed by L&I (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $1.16 per $100 of payroll.

Avg Trucking rate in WA
$10.60
per $100 payroll
$100K payroll → annual
$10,598
estimated annual premium
Washington bureau
L&I
Monopolistic

Washington requirements for trucking businesses

When required: All employers must obtain coverage through Washington Department of Labor & Industries (L&I) — monopolistic state.

Sole proprietors: Sole proprietors are exempt unless they elect to enroll with L&I.

Owner / officer exclusion: Officers and LLC members may be excluded.

⚠️ Washington is a monopolistic state

All Washington workers' comp coverage must be purchased through the state fund (L&I (state fund)). Private workers' comp insurance is not available in Washington, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.

Trucking class codes used in Washington

7228 Trucking — Local Hauling Only & Drivers
$5.80-$14.76
WA typical rate
7229 Trucking — Long Distance Hauling & Drivers
$7.38-$17.93
WA typical rate
7230 Trucking — Parcel or Package Delivery — All Employees & Drivers
$6.33-$14.76
WA typical rate
7380 Drivers, Chauffeurs & Their Helpers NOC
$4.75-$11.60
WA typical rate
7219 Trucking NOC
$6.85-$15.82
WA typical rate

Why trucking workers' comp is tricky in Washington

Trucking is heavily regulated and most carriers require strict driver qualification files. New ventures (under 3 years operating) have very limited markets. We can place new ventures and rough loss histories.

Tips for Washington trucking companies

  • ✓ Local vs long-haul = different rates; document operating radius
  • ✓ Driver qualification files are required for renewal — keep them current
  • ✓ Pay-as-you-go aligns premium with seasonal freight cycles
  • ✓ Owner-operators may be exempt depending on state

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Trucking workers' comp in other states

Rates and requirements for trucking companies vary widely by state. Compare Washington to other major markets:

Trucking in California $1.45 Trucking in Texas $1.04 Trucking in Florida $1.42 Trucking in New York $1.41 Trucking in Pennsylvania $1.27 Trucking in Illinois $1.66 Trucking in Ohio $0.74 Trucking in Georgia $1.06

Other industries in Washington

Washington workers' comp rates and requirements for other common industries:

Construction in WA 9 class codes Roofing in WA 1 class code Plumbing in WA 3 class codes Electrical in WA 3 class codes HVAC in WA 2 class codes Painting in WA 3 class codes Landscaping in WA 3 class codes Restaurants in WA 4 class codes

More Washington workers' comp resources