Owner Ops in Lease Agreement, who do you use for workers comp?

Discussion in 'Ask An Owner Operator' started by scoobertdoo, Feb 4, 2022.

  1. scoobertdoo

    scoobertdoo Road Train Member

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    Having an issue because some refuse to write a policy for someone who hires a person to drive, but is leased onto a company. Who do you use for your workers comp?
     
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  3. ProfessionalNoticer

    ProfessionalNoticer Road Train Member

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    You can get something a little different but more personalized like Occupational Insurance.
     
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  4. Atlanticus trucking

    Atlanticus trucking Light Load Member

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    I just looked into workers comp and is it really 13.5% + fees of 1099 wages!? For 1.8 mi payroll im being quoted $310,000 yearly.

    Do you know how occupational insurance compares to workers comp from a cost perspective?
     
  5. scoobertdoo

    scoobertdoo Road Train Member

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  6. ProfessionalNoticer

    ProfessionalNoticer Road Train Member

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    This isn't my first hand experience as I pay for neither option. However, I've heard Occupational Insurance pays easier and is cheaper. Don't take my word for it though because it's just hearsay.
     
  7. nikmirbre

    nikmirbre Road Train Member

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    When I was leased the company offered occ/acc. However back in about 2006 a company I was leased to need me to get workers comp and wouldn't accept occ/acc.

    In North Carolina, I can get a "ghost policy" only like $30 a month. I dont know if you can get a ghost policy in all states though.
     
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  8. 28457

    28457 Bobtail Member

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    Ive been trying to figure out why I cant get qoutes. Thanks for this info. Now I know, ghost policy is what I need.
     
  9. abyliks

    abyliks Road Train Member

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    occupational insurance is not the same as WC if you live in a mandatory WC state, (like mass)

    I have travelers /zurich
     
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