Class code 7228 — Trucking — Long Haul

This classification covers long-haul trucking operations — carriers that move freight over long distances, often across multiple states, with drivers who may be away from home for days at a time. It applies to for-hire and private fleets running tractor-trailers on interstate routes, along with the loading and unloading duties that come with those runs.

A typical day involves pre-trip inspections, hours of highway driving, mandated rest breaks, and stops at distribution centers or customer docks where the driver may assist with loading or unloading freight. Payroll usually includes over-the-road drivers, dock or yard workers who load trailers before a run, and dispatchers who coordinate routes, though dispatch staff working purely in an office are often coded separately.

Because these drivers log far more highway miles than local delivery drivers, severity of injury tends to be a bigger concern than frequency — serious accidents, while less common per mile than in dense urban driving, tend to be more severe at highway speeds. Fatigue from long shifts, awkward freight securement, and slip-and-fall incidents around trailers and loading docks round out the main exposures insurers evaluate.