Worker's Compensation Insurance for Trucking you're required to have workers' compensation insurance in most states. Workers' compensation insurance provides benefits to employees who are injured or become ill as a result of their job. These benefits can include medical expenses, income replacement, and death benefits. Workers' compensation insurance is a type of insurance that all trucking companies should have. This insurance provides benefits to employees who are injured or become ill as a result of their job. These benefits can include medical expenses, income replacement, and death benefits.