Commercial Truck Driver Health Risks and the Need for Proper Insurance

Commercial truck drivers are some of the hardest workers in our nation, often operating their big rigs in all weather conditions and working long hours as they criss-cross the country. Because of the nature of their industry, studies show that truckers are at a greater risk than the average American for a host of health problems.

A recent Huffington Post article reports that sleep apnea may affect as many as 40 percent of truck drivers. Patients who suffer from this serious sleeping disorder (in which breathing stops and starts during resting) say they feel exhausted even after a full night's sleep. For the owner/operator of a big rig who makes a living behind the wheel, this condition has the potential to be deadly, as it increases daytime drowsiness.

Another common health complaint that commercial truck drivers face is back injuries and sprains, due to the weight of the cargo they load and unload. Obesity also plagues these truckers, as they munch on fast food and snacks during their travels, sit for long stretches at a time and have little time for exercise and healthy meal planning.

It’s difficult enough to maneuver a wide load down the highway when you’re in the best of health. Being in poor health compromises your ability to function optimally. As an owner/operator, it pays to invest in a good insurance policy that will protect you and the cargo you’re carrying in the unfortunate event of an accident. Some coverage types to consider include:

Physical damage coverage. If your truck is involved in a crash, physical damage coverage can cover the cost of repairing it or replacing it.

Cargo insurance. This type of insurance provides coverage for loss or damage to the load you’re hauling. That can take a load off your mind if something happens to your precious cargo.

Liability insurance. This coverage pays for damages that you inflict on other drivers and their property.

The life of a big rig driver certainly isn’t glamorous, and increasing health concerns add an element of risk, not only to the commercial truck driver, but to other vehicles on the road. You may not be able to prevent particular threats to your health, but you have total control over certain threats to your financial health. Speak to an insurance agent today to determine which policy works best for your budget.