Delivery Driver Workers' Comp Calculator 2026

Delivery drivers fall under class code 7380, running $4 to $8 per $100 of payroll. UPS, FedEx Ground, USPS, and the growing army of last-mile contractors all operate in this space. The injury profile is brutal in two directions: motor vehicle accidents that produce sudden, severe trauma, and the daily grind of jumping in and out of a truck 150 times a shift, which destroys backs, knees, and ankles over time. The average loaded package handler logs the equivalent of 14 miles of walking and 2,000 pounds of lifting per shift.

Adam Noah · Workers' Comp Research Analyst

Last updated: April 2026 · Reviewed for accuracy

About the author

Class Code

7380

WC Insurance Rate

$4.00–$8.00 per $100 of payroll

Risk Level

High

Example annual premium for delivery driver with $50,000 annual payroll: $3,000 per employee. Varies by state, carrier, and experience modifier.

Calculate Your Delivery Driver Workers Comp Benefits

Enter your state and weekly wage to see your estimated workers comp weekly benefit and total projected payout.

Step 1 of 2Your Situation

Your Situation

Tell us about your state and wages to calculate your benefits.

What state did the injury occur in? *

When did the injury occur?

Optional — helps calculate your waiting period start date.

What is your average weekly wage? *

$/week

Your gross wages for the 13 weeks before injury, divided by 13. Include overtime, bonuses, and tips if they were regular.

Most Common Delivery Driver Workplace Injuries

These are the injury patterns we see most frequently in delivery driver workers comp claims, ranked by frequency. Click any injury type to see the dedicated settlement calculator for that specific injury.

Injury Type	Frequency	Avg Settlement
Back Injury (Lifting Packages)	Very common	$88,000
Multiple Trauma (Vehicle Accidents)	Common	$165,000
Knee (Stepping In/Out of Truck)	Very common	$62,000
Shoulder (Lifting, Reaching)	Common	$56,000
Foot / Ankle (Jumping Down, Slips)	Very common	$28,000
Neck / Whiplash (Accidents)	Common	$65,000

Settlement averages from National Safety Council and state workers comp board data. Your specific settlement depends on severity, state, wage, and case specifics.

Key Facts for Delivery Drivers

•Class code 7380 (drivers, chauffeurs, and helpers) is the most common code for package delivery, averaging $4–$8 per $100 of payroll.
•FedEx Ground drivers contracted through ISP companies are usually employees of the ISP, not FedEx — file against the ISP's policy.
•Dog bites are the #2 reported delivery driver injury after lifting strains, with average settlements around $40,000.
•Knee meniscus tears from stepping out of high-cab vehicles are so common UPS specifically tracks them as 'step-down injuries.'
•Vehicle accident claims almost always produce a third-party lawsuit on top of workers comp — net recovery is typically 2–4x the workers comp portion alone.
•Hours-of-service violations don't bar your claim, even if your employer pressured you to skip required breaks.
•Helpers and seasonal drivers have identical workers comp rights to full-time staff.

Injured On the Job? Get a Free Case Review

A workers' comp attorney can review your claim, negotiate a higher settlement, and protect your job. Most work on contingency — no fee unless you win.

Find a Workers' Comp Attorney

Frequently Asked Questions — Delivery Driver

Are FedEx and UPS drivers covered by workers comp?▾

Yes. Both are subject to workers comp in every state. UPS drivers are direct employees. FedEx Ground drivers are usually employees of an Independent Service Provider (ISP) contracted to FedEx — your claim goes against the ISP's policy, not FedEx Corporate.

What's the average settlement for a delivery driver back injury?▾

Lifting-related back injuries average $80,000–$95,000. Surgical cases (laminectomy, fusion) reach $150,000–$200,000. Multi-level fusions or recurrent disc problems can exceed $300,000.

What if I get in an accident on my route?▾

Workers comp covers you regardless of fault. If another driver caused the wreck, you also have a third-party personal injury claim against that driver. Your workers comp carrier will have a subrogation lien on any third-party recovery, but net proceeds typically far exceed the workers comp portion.

Am I covered if I'm an Amazon Flex or DoorDash driver?▾

Usually no. Most gig delivery platforms classify you as an independent contractor, which excludes you from workers comp. California's Prop 22 added limited occupational accident insurance for app-based drivers, but it's much weaker than workers comp. See the gig worker page for details.

Can I get workers comp for a dog bite on my route?▾

Yes. Dog bites in the course of delivery are covered. You also typically have a third-party claim against the dog owner under state dog-bite statutes — most states impose strict liability on the owner for delivery worker bites.

Workers Comp for Other Occupations

Construction Worker

Code 5403

Nurse (RN, LPN, CNA)

Code 8829

Warehouse Worker

Code 8292

Truck Driver

Code 7228 / 7229

Restaurant Worker

Code 9082 / 9083

Roofer

Code 5551

Manufacturing Worker

Code 2710 / 3632 / various

Retail Worker

Code 8017 / 8018

Healthcare Worker

Code 8832 / 8833

Office Worker

Code 8810

Electrician

Code 5190

Amazon Worker

Code 7380 / varies

Firefighter

Code 7710

Police Officer

Code 7720

Teacher

Code 8868

Gig Worker (Uber, DoorDash, Instacart)

Code varies

Disclaimer: Workers comp insurance rates are approximate national averages and vary significantly by state, insurer, and employer experience modifier. Settlement ranges are estimates based on NSC and state data. This is not legal advice. Consult a licensed workers' compensation attorney for your specific situation. Last updated: April 2026.