In many case, yes, employees or workers who operate your commercial trucks as part of their job duties are typically covered under your commercial truck insurance policy. Commercial truck insurance policies often include coverage for both the truck itself and the individuals who operate it, including: Liability Coverage: This protects your business if your employee is at fault in an accident that causes injury or property damage to others. It covers legal fees, medical expenses, and damages awarded in lawsuits resulting from the accident. Medical Payments Coverage: This pays for medical expenses incurred by your employees or workers if they are injured in an accident while operating the insured truck, regardless of fault. Uninsured/Underinsured Motorist Coverage: This protects your employees if they are involved in an accident with a driver who lacks sufficient insurance coverage or is uninsured. It covers medical expenses and lost wages if the other driver is at fault and cannot pay for damages. Worker’s Compensation Insurance: While not typically part of a commercial truck insurance policy, worker’s compensation insurance is a separate coverage that provides benefits to employees who are injured or become ill in the course of their employment. It covers medical expenses, rehabilitation costs, and lost wages for injured employees and helps protect employers from potential lawsuits related to workplace injuries. It’s essential to review your commercial truck insurance quote or policy carefully to understand the extent of coverage provided for your employees and workers. Additionally, you may want to consider obtaining workers’ compensation insurance to ensure comprehensive protection for your employees and compliance with legal requirements in your jurisdiction.