In this BulkLoads Podcast episode, Jared Flinn is joined by Larry Hurt, CEO of Bulk Insurance Group, to break down everything trucking companies need to know about workers’ compensation insurance. From legal requirements to real-world risk exposure, this episode offers essential insight for any business owner hiring company drivers or working with leased-on owner-operators.

Larry explains how state laws differ, what triggers the need for work comp coverage, and why treating 1099 contractors like employees can open you up to legal liability. He also walks through the cost structure of work comp policies, common mistakes trucking companies make, and how to protect your business from costly claims or lawsuits.

Whether you're an established fleet or just starting to grow, this episode will help you understand how to manage risk, stay compliant, and keep your team protected on the job.