Workers Compensation
Required in most states the moment you put a driver on payroll.
Why Cargova
Same coverage. Different outcome.
We work the file by hand
An agent picks which markets see your submission. On a hard file that's most of the outcome.
We tell you when to walk
If this isn't the coverage you need, you'll hear that before you hear a price.
We stay after the bind
Filings, certificates, renewals — the same agent, not a queue.
In short
What workers compensation is.
Pays medical costs and lost wages when an employee is hurt on the job. Requirements are set state by state, and penalties for going without are steep.
Limits, deductibles and exclusions depend on your operation and the carrier writing it.
Scope
Generally in, generally out.
A rough map. Your policy wording governs — ask your agent about anything here.
Typically addressed
- Medical treatment for a work injury
- A portion of lost wages during recovery
- Employer liability in many forms
- Death benefits
Typically not
- Independent contractors in many arrangements
- Injuries outside the course of employment
Free · No obligation
Quote my workers comp
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
Workers Comp questions
I'm an owner-operator with no employees — do I need it?
Often not, though some states and many contracts still require it. Occupational accident coverage is the common alternative.
Why do rates differ so much by state?
Workers comp is state-regulated, and trucking class codes carry different rates in each. Your garaging state matters.