AMERISAFE Trucking Insurance Review

AMERISAFE has more than 30 years of experience in the commercial insurance industry. The company works primarily in the workers’ compensation sector, and they focus primarily in the trucking and construction industry.

The focus on the trucking industry allows the company to have an in-depth understanding of what happens in the field and the unique challenges that policyholders face. The knowledge leads to underwriting and policies that reduce:

• Incidence rates
• Costs relating to workplace injuries

AMERISAFE works to keep trucking businesses safer with safety training programs and resources that reduce accidents. There are Field Safety Professionals in many areas, allowing policyholders to have a point of contact for guidance and recommendations.

If an accident does occur, the entire process is streamlined from the claims to the processing.

Case managers are spread out evenly among policyholders and maintain a low claim workload that allows these managers to rapidly help policyholders when an accident does occur. Personalized service and prompt resolutions allow for “A+” service.

AMERISAFE Insurance Coverage for Truckers

AMERISAFE offers workers’ compensation for truckers across the United States.

The company works with truckers in the following specialties:

• Dirt hauling
• Forest product transportation
• Gravel hauling
• Long hauling
• Ready mix
• Short hauling
• Towing

When you’re a policyholder, you’ll have access to the insurer’s web portal that offers a variety of perks, including:

• Safety training
• Resources
• Online services

Safety Training

The safety training courses are available 24/7 and are offered through Evolve Training. Keeping workers and truckers safe is a top priority. The courses are offered through video streaming at no additional cost.

There are advanced training courses available for a fee, too.

AMERISAFE will also help larger companies educate their employees on the industry’s best safety practices. The safety training allows the insurer to enjoy lower claims while reducing avoidable injuries that truckers face.

Resources

If you’re new to the industry or need to learn more about safety and developing a safe workplace, there are resources available to you. The resources include:

• Databases on hazardous chemicals and occupational diseases
• Behavioral safety
• Industry safety and news
• Occupational safety
• Data sheets

The resources allow truckers and trucking companies to stay on top of industry news and keep their operations safer in the process.

Filing a Claim

AMERISAFE offers policyholders access to a toll-free reporting system along with multiple forms of contact. As a policyholder, you gain access to:

• 24/7 phone support with immediate notification of accidents
• Field case managers that offer face-to-face guidance and are supported by nurse case managers to allow case managers to help injured workers faster.
• Fast track option for minor injuries that have less than a six-week recovery time. These claims are handled rapidly due to case managers working with medical providers, injured workers and employers closely.
• Managed care that protects employees by offering quality, timely care. Physician and specialty networks are always expanding to ensure the best outcomes for injured employees.

Filing a claim is effortless, with case managers that are ready and willing to offer assistance and walk policyholders through the entire process.

Payment Options

At AMERISAFE, policies have a direct bill basis, meaning that all payments are made to AMERISAFE directly. There is a monthly reporting feature that is based on the actual payroll for the entire month.

Annual payments are available.

You can make payments in a variety of ways, including:

• Online payments that require you to sign into the online portal
• Checks can be sent via fax or email
• Payments can be made directly by mail

Overnight payments can be made, too.

Territory Map

AMERISAFE services 27 states. In some areas, they’re only accepting applications, and in others, they’re only allowed up to 25% exposure. The areas where AMERISAFE is currently accepting policy submissions include:

• Alabama
• Alaska
• Arkansas
• Colorado
• Delaware
• Florida
• Georgia
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maryland
• Michigan
• Minnesota
• Mississippi
• Missouri
• Nebraska
• Nevada
• North Carolina
• Oklahoma
• Pennsylvania
• South Carolina
• Tennesse
• Texas
• Virginia
• West Virginia
• Wisconsin

Service in some of the states listed above is minimal, primarily Alaska, Nevada and Colorado.

AMERISAFE trucking insurance offers a trusted name in the insurance industry that works closely with policyholders to reduce the risk of injuries in the workplace. The insurer offers policies that are geared towards trucking specialties and are designed to protect policyholders.