Hunter NelsonOwner of Nelson Insurance Agency

Trucking's Dangers Unpacking Insurance & Benefits

28 Aug 2026 · 1 min

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In this segment, Hunter Nelson highlights the extreme hazards inherent to commercial trucking, noting long hours, high rates of injuries and fatalities. He explains that most trucking companies provide minimal benefits—few offer health, life, or accident insurance—especially for drivers paid per mile or operating as 1099 contractors. Nelson emphasizes the importance of occupational accident policies and life insurance to protect drivers and their families when a crash or injury forces time off work, underscoring a systemic lack of standard employee benefits in the trucking industry.

Chapters

On top of that, trucking is one of the most dangerous jobs out there. You guys got long hours. There's a lot of fatalities, a lot of injuries. And so there's also occupational accident, all sorts of accident policies where if you guys would get hurt, anything on those lines, they can cover you, protect your family as well. So that way, if you guys are out of the job for a little bit and unable to run, um, you're also set there. So you guys have accident policies, you guys have got life insurance, and there's really just not a whole lot of benefits in the trucking space anyway. A lot of these companies are not giving you guys health insurance, life insurance, accident insurance, any of that type of stuff. There's not those normal— there's normal benefits that you guys may see at more of a white-collar job because you guys get paid per mile and a lot of 1099 action out there. So that's what you guys will see.