Texas reference rate for trucking & towing, with non-subscriber context and coverage considerations for project work.
loss cost per $100 payroll
$1.981
Trucking NOC — Trucking & Towing
2026 Texas NCCI advisory loss cost (not a rate), effective 7/1/2026
Get a Texas quoteOfficial-source evidence
These Texas compliance and safety notes are linked to the governing source. They are educational information, not legal, safety, or underwriting advice.
Texas Department of Insurance states that private employers can choose to carry workers’ compensation coverage, although it is not required in most cases.
Source: Texas Department of Insurance, Division of Workers’ Compensation Texas coverage verification guidance
Texas Department of Insurance states that employers without coverage are non-subscribers and must notify their workers and the Texas Division of Workers’ Compensation.
Source: Texas Department of Insurance, Division of Workers’ Compensation Texas non-subscriber employer requirements
NCCI's Texas advisory loss cost for class code 7219, effective July 1, 2026, is $1.981 per $100 of payroll. Loss costs exclude insurer expenses; the rate you pay applies each carrier's loss cost multiplier and underwriting.
Source: Texas Department of Insurance (NCCI Texas advisory loss costs) 2026 Texas advisory loss costs
Source register last reviewed .
Illustrative annual premium estimate
$4,953
This educational estimate uses the displayed Texas class-code rate. Final classification, premium, eligibility, and contract requirements depend on underwriting and the actual work performed. This estimate uses the loss cost, which excludes insurer expenses, so actual premium will be higher.
Texas Department of Insurance says private employers can choose to carry workers’ compensation coverage in most cases.
Texas Department of Insurance states that public schools, utilities, cities, counties, and other governmental entities must have workers’ compensation coverage.
Employers that do not provide coverage must notify their workers and the Texas Division of Workers’ Compensation.
Trucking and towing companies in Texas are hard to place due to highway and roadside exposure. PEO accepts code 7219 (local, long-haul, and towing) with no deposit and same-day COI. Repair-majority shops may be 8380.
Subscriber or non-subscriber status does not replace a client, contract, public-project, or general-contractor coverage requirement. Verify coverage requirements before starting work.