Workers Comp in New Jersey

I saw my accountant last year and he was yelling how I can be in trucking business not having workers comp.
This year, same story... - You are irresponsible not covering your driver, when you will get an audit you will be in trouble etc.
So, long story short - I bought Workers Compensation Insurance NJ ( i'm based in NJ) Paid around $10,000
But one interesting thing, when I got my policy I see that my driver is covered just in New Jersey, at that time when he spends in NJ 3 hours on Monday
and 4 hours on Friday, the rest time he hauls all over USA.
Conclusion- I'm paying 10K for nothing.
Am I silly? Maybe I don't know something? Could be that other WC Insurances cover other states including base state?
On one truck I don't make millions to cover each state separately.
Any suggestions, information, criticism will be appreciated !

 

They put me in a pool. Got Liberty Mutual

 

Depends on the state that your company is based and your payroll salary. For example if my driver makes $ 60,000 for state of NJ the WC Rate is 13%, so I must pay 7,800 a year. Plus, state of NJ has Second Injury Plan and insurance agent fee and financing fee in total gonna be around 10-12K. But you MUST be on payroll.If you are on 1099 if something will happen on the road, insurance will reject the claim because you are not employee. So, basically you will pay for nothing. Because of this WC I did not sleep a lot of nights and gathered some information. Fell free to ask