Transportation & Trucking workers compensation in Rhode Island
Transportation & Trucking businesses in Rhode Island pay a median rate of $2.42 per $100 of payroll, ranging from $0.430 to $9.14. The national median for Transportation & Trucking is $2.23, so Rhode Island sits 9% above the national average. 55 unique NCCI class codes are filed in this state for Transportation & Trucking occupations. Verified 2026-05-09.
Top Transportation & Trucking class codes in Rhode Island
The class codes most likely to apply to a Transportation & Trucking operation in Rhode Island, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 7405 | Livery Service | $0.600 | HIGH |
| 7405 N | Livery Service | $0.790 | HIGH |
| 7333 | Railroad - Employees N.O.C. | $1.28 | HIGH |
| 7016 | Local Trucking | $1.38 | HIGH |
| 7394 | Trucking - Drivers | $1.46 | HIGH |
| 7024 | Long Haul Trucking | $1.53 | HIGH |
| 7395 | Trucking - Drivers & Helpers | $1.62 | HIGH |
| 7038 | Mail/Package Delivery | $1.72 | HIGH |
| 7090 | Freight Handling - N.O.C. | $1.91 | HIGH |
| 7333 M | Railroad - Employees N.O.C. | $2.15 | HIGH |
Rhode Island compliance for Transportation & Trucking employers
Coverage threshold
Mandatory for employers with one or more employees.
1099 vs W-2 in Transportation & Trucking
Beginning on January 1, 2024, independent contractors are required to file an annual registration for the duration of their relationship with each entity.
Owner exclusion
Allowed in Rhode Island. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,622 at 62% of average weekly wage, effective 2025-10-01.
Statute of limitations
2 years from injury date in Rhode Island.
Audit window
Rhode Island carriers audit payroll Within 90 days of policy expiration. Keep Transportation & Trucking payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Rhode Island workers comp overview · Transportation & Trucking cross-state rate comparison · Rhode Island workers comp lawyer guide · Rhode Island settlement chart
Estimate your Transportation & Trucking premium in Rhode Island
Pre-filled to Transportation & Trucking and Rhode Island. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Transportation & Trucking in Rhode Island
$2,150to$45,700
Median: $12,100 · Rate range $0.430 to $9.14 per $100 payroll
Industry median across all states
$11,125
Cheapest states for Transportation & Trucking
- Pennsylvania $0.877
- Washington $1.04
- Utah $1.04
Most expensive
- New Jersey $7.15
- Illinois $4.04
- Minnesota $3.94
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Transportation & Trucking businesses in Rhode Island
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Step 1, Confirm coverage threshold
Mandatory for employers with one or more employees. For Transportation & Trucking operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Transportation & Trucking businesses typically use codes like 7405, 7016, 7024. The wrong code can cost 4 to 10x more or get reclassified at audit. In Rhode Island, the cheapest code on this list is 7405 at $0.600 and the most expensive is 7333 M at $2.15.
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Step 3, Get a quote
Beacon Mutual Insurance Company is one option in Rhode Island; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are typically liable for the workers' compensation coverage of their uninsured subcontractors and their employees. Transportation & Trucking operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll Within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Transportation & Trucking class allocation can shift if any worker spends more than 50% of time on a different code.
Transportation & Trucking workers comp FAQs in Rhode Island
What is the typical workers comp rate for Transportation & Trucking in Rhode Island?
Transportation & Trucking employers in Rhode Island pay a median rate of $2.42 per $100 of payroll, with rates ranging from $0.430 to $9.14 depending on the specific class code. The national median across all states for Transportation & Trucking is $2.23, so Rhode Island sits about 9% above the national average.
How many Transportation & Trucking class codes are filed in Rhode Island?
Rhode Island has 55 unique NCCI class codes filed for Transportation & Trucking occupations, drawn from 77 state-class code rate cells in our dataset. The most common codes include 7405 (Livery Service), 7016 (Local Trucking), 7024 (Long Haul Trucking).
Are Transportation & Trucking 1099 contractors covered by workers comp in Rhode Island?
Beginning on January 1, 2024, independent contractors are required to file an annual registration for the duration of their relationship with each entity.
What is the maximum weekly benefit for an injured Transportation & Trucking worker in Rhode Island?
Rhode Island caps weekly workers comp benefits at $1,622 (effective 2025-10-01), calculated as 62% of the average weekly wage. Transportation & Trucking workers are subject to the same statutory cap as workers in any other industry.
How long does a Transportation & Trucking worker have to file a comp claim in Rhode Island?
The statute of limitations in Rhode Island is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Transportation & Trucking workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Transportation & Trucking business owner exclude themselves from comp coverage in Rhode Island?
Yes, Rhode Island allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Transportation & Trucking owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.