Workers Comp for Delivery & Logistics Companies
Delivery & Logistics businesses pay an average of $5,000–$20,000 per year in workers comp premiums. The most common classification mistake is classifying dispatchers, office managers, and warehouse coordinators under driver codes. Here's how to make sure you're paying the right amount.
Real savings example
A delivery company with 25 employees where 5 are dispatch/office could save $3,000–$7,000/year by splitting them out of the driver classification.
Common NCCI Codes for Delivery & Logistics
| Code | Description | Rate/$100 |
|---|---|---|
| 7380 | Drivers, Commercial | $5.72 |
| 7382 | Bus Company | $4.28 |
| 8392 | Automobile Sales | $1.85 |
| 8810 | Clerical Office | $0.16 |
Rates are approximate national averages per $100 of payroll. Actual rates vary by state and insurer.
Tips to Lower Your Delivery & Logistics Workers Comp Premium
Dispatchers and logistics coordinators who never drive should be coded as clerical
Vehicle type matters — light delivery vs. heavy trucking have different rate profiles
Owner-operators and independent contractors need their own coverage, or their payroll counts as yours
GPS and safety technology that reduces accidents can help lower your EMR over time
Check if your delivery & logistics business is misclassified
Our free 2-minute tool compares your setup against NCCI benchmarks.
Check My Premium \u2192This guide is for informational purposes only and is not insurance advice.