When you run a trucking business, your people are your most valuable asset. Whether they’re driving across the country, moving loads locally, or working in dispatch and logistics, your team keeps freight moving and your company thriving. But what happens when one of them gets hurt on the job?
Workers’ compensation insurance isn’t just a legal requirement — it’s protection for your drivers, your business, and your bottom line. Unfortunately, too many trucking companies stick with outdated or overpriced workers’ comp programs simply because they don’t realize there’s a better option out there.
If you haven’t reviewed your workers’ comp coverage lately, you might be missing out on new programs designed specifically for industries like yours. Programs that not only provide solid coverage but also help streamline your operations, improve safety, and even reduce administrative headaches.
Could your trucking business benefit from a smarter, more affordable workers’ comp program? Let’s take a look at what’s out there.
10 Advantages of This New Type of Workers’ Comp Program for Trucking Companies
This alternative approach to workers’ comp isn’t traditional insurance, and it’s not your typical payroll service. It’s a comprehensive program built for companies like yours — with benefits designed to protect both your business and your drivers while helping you cut costs and simplify operations.
Here’s what trucking companies love about it:
1. Competitive, Cost-Effective Premiums
Most companies that switch to this program see significant savings on their workers’ comp premiums. By grouping similar businesses together and managing risk more effectively, the program can offer better rates than many traditional insurance carriers.
2. No Large Deposits or Year-End Audits
Forget about big upfront payments and stressful year-end audits. Premiums are calculated on actual payroll during each pay cycle, so you pay only for what you use — no surprises and no chasing down records for audits.
3. Pay-As-You-Go Premium Structure
This feature is a game-changer for cash flow management. Premiums are collected each time you run payroll, based on your actual labor costs for that period. No guesswork, no estimates — just accurate, manageable payments.
4. Access to Affordable Employee Benefits
Attracting and retaining qualified drivers is a constant challenge. This program offers access to health benefits and retirement plans typically reserved for much larger companies, helping you stay competitive in the job market.
5. Dedicated, Experienced Claims Management
When an accident happens, time matters. This program includes a team of experienced claims managers who work directly with you and your injured employee to control claim costs, coordinate care, and get your team back to work quickly.
6. Safety Training and Risk Management Resources
Prevention is key in the trucking business. You’ll have access to safety training, compliance resources, and customized risk management tools designed specifically for transportation companies.
7. Unemployment Tax Filing and Payroll Tax Administration
Managing tax filings is complicated, especially if your trucking business operates in multiple states. This program handles unemployment and payroll tax filings for you, ensuring accuracy and compliance.
8. Workers’ Comp Coverage Across Multiple States
If your trucking business operates in New York, New Jersey, Connecticut, or beyond, you need seamless coverage without gaps. This program covers multiple states under one umbrella, keeping your drivers protected wherever they go.
9. Hiring Assistance with Background Checks and Driver Screening
Hiring safe, qualified drivers is crucial. This program provides tools for conducting background checks, employment verifications, and MVR reports, giving you peace of mind about the people behind the wheel.
10. Human Resources Support for Trucking Operations
HR issues happen in every business, and the trucking industry has its own unique challenges. This program offers expert HR guidance, from employee handbooks to disciplinary advice, all tailored to transportation companies.
Why Trucking Companies Turn to BGES Group
Finding the right workers’ compensation program can be overwhelming. That’s where BGES Group steps in. We’re not your typical insurance agency — we specialize in helping trucking companies and contractors in New York, New Jersey, and Connecticut get the best coverage for their needs at the best possible price.
We understand the risks you face, the regulations you deal with, and the importance of keeping your drivers on the road and your business protected. At BGES Group, we don’t believe in cookie-cutter insurance policies. We work directly with you to find the right program for your operation — whether you run a small local fleet or a regional transportation company.
And if your business operates outside of New York, New Jersey, or Connecticut? No problem. Our trusted associate services trucking companies throughout the rest of the country, offering the same level of expertise and attention.
When you work with BGES Group, you’ll never deal with a call center or get passed around from rep to rep. You’ll work directly with Gary Wallach, a seasoned insurance professional who’s been helping trucking companies for years. Gary knows this business inside and out — and he knows how to help you cut costs without cutting corners.
Let’s Get You a Better Workers’ Comp Program
If you’re paying too much for your current program or dealing with confusing policies and poor service, it’s time to explore your options. BGES Group can quickly review your existing coverage and show you where you could be saving money, getting better service, or both.
Contact Gary Wallach at BGES Group today:
- Phone: 914-806-5853
- Email: bgesgroup@gmail.com
- Website: www.bgesgroup.com
There’s no obligation — just honest advice from someone who knows trucking insurance. Let’s talk about how we can help your business reduce risk, lower costs, and run more efficiently with a smarter workers’ compensation program.
Call today. Your drivers deserve it. Your business depends on it.