Truckers - Long Haul
Michigan Workers' Compensation Class Code 7222 • NCCI • Effective 2025-01-01
Current Rate
$5.90
per $100 of payroll
NCCI 2025-01-01
What is Class Code 7222?
Class code 7222 covers long-haul trucking operations where drivers regularly operate beyond a 50-mile radius from their home terminal. Long-haul trucking involves extended driving hours, overnight stays, and exposure to varied road conditions across multiple states. Hazards include fatigue-related accidents, loading and unloading injuries, and the cumulative effects of prolonged sitting and vibration.
Who is Covered Under This Code?
Over-the-road truck drivers and their helpers.
Tips to Reduce Your Premium
- DOT compliance including hours-of-service records is critical for premium management
- Driver fatigue management programs reduce accident frequency
- MVR monitoring and annual driver qualification reviews are essential
- Separate local delivery operations under code 7230
Real-World Examples
A national trucking company with a major hub in Lakeland, Florida, operating long-haul routes across the country. An owner-operator based in Miami transporting specialized cargo on extended trips.
Common Claim Scenarios
Fatigue-related vehicle accidents leading to severe injuries or fatalities are a primary concern due to long driving hours. Musculoskeletal disorders from prolonged sitting and repetitive tasks, and slips/falls during coupling/uncoupling trailers are common. Assaults at truck stops are also a risk.
Safety & Loss Prevention
- Implement strict hours-of-service compliance and promote fatigue management strategies.
- Provide ergonomic seating and encourage regular stretching and breaks during long drives.
- Ensure safe access to trailers and train drivers on proper coupling/uncoupling procedures.
- Educate drivers on personal safety and security measures at rest stops.
Rate Comparison by State
Frequently Asked Questions
What is workers comp class code 7222?
Class code 7222 covers long-haul trucking operations where drivers regularly operate beyond a 50-mile radius from their home terminal. Long-haul trucking involves extended driving hours, overnight stays, and exposure to varied road conditions across multiple states. Hazards include fatigue-related accidents, loading and unloading injuries, and the cumulative effects of prolonged sitting and vibration.
What is the workers comp rate for class code 7222 in Michigan?
The current workers' compensation rate for class code 7222 in Michigan is $5.90 per $100 of payroll, as set by NCCI effective 2025-01-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 7222?
Over-the-road truck drivers and their helpers.
How can I reduce my workers comp premium for class code 7222 in Michigan?
DOT compliance including hours-of-service records is critical for premium management Driver fatigue management programs reduce accident frequency MVR monitoring and annual driver qualification reviews are essential Separate local delivery operations under code 7230
Do I need workers comp insurance for employees classified under code 7222 in Michigan?
Yes. Michigan requires most employers to carry workers' compensation insurance for their employees. Class code 7222 employees must be covered. Penalties for non-compliance in Michigan can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 323-0785 for a fast, competitive quote.
Rates shown are advisory loss costs or assigned risk rates as of the effective date listed. Your actual workers' compensation premium will depend on your specific payroll, experience modification factor (EMR), carrier selection, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote tailored to your business.
Premium Estimator
Enter your annual payroll to estimate your base premium for code 7222 in MI.
Quick Facts
- Class Code
- 7222
- State
- Michigan
- Rate per $100
- $5.90
- Rating Org
- NCCI
- Effective
- 2025-01-01
Related Class Codes
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