Cheapest Owner Operators Truck Insurance Cost Enterprise, Alabama
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Enterprise, Alabama. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Enterprise, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Enterprise, Alabama in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Enterprise is a city in the southeastern part of Coffee County and the southwestern part of Dale County in Southeastern Alabama, United States. Its population was 28,711 at the 2020 census. Enterprise is the primary city of the Enterprise micropolitan statistical area (with the portion of the city in Dale County part of the Ozark micropolitan statistical area). It was originally a part of Enterprise–Ozark micropolitan area before being split; for a longer while it was originally part of the Dothan-Enterprise-Ozark combined statistical area but is now its own separate primary statistical area in later censuses.
Enterprise is famous for the Boll Weevil Monument, a large monument of a woman holding a boll weevil, in the middle of Main Street. The city erected the statue because the destruction of the cotton crop by the boll weevil had led to agricultural diversity, starting with peanuts and more prosperity than had ever come from cotton alone. It is the only statue to an insect pest in the world. Enterprise is right outside the U.S. Army’s Fort Novosel, the home of Army Aviation.
Enterprise is home to Enterprise State Community College.
The founder of Enterprise, John Henry Carmichael, first settled there in 1881. Carmichael opened a store, which attracted more settlers to the area, and by the next year, a post office was relocated from the settlement of Drake Eye to the north to Enterprise. In 1896, with 250 people having settled there, the city of Enterprise incorporated. Soon afterward, the Alabama Midland Railway came to Enterprise, bringing with it opportunities for commerce and growth. By 1906, its population had grown to 3,750.
Enterprise’s way of life came under threat in 1915. An infestation of boll weevils found its way into the region’s cotton crops, resulting in the destruction of most of the cotton in Coffee County. Facing economic ruin, the nearly bankrupt area farmers were forced to diversify, planting peanuts and other crops in an effort to lessen the damage and recoup some of their losses.
Two years later, Coffee County was the United States’ leading producer of peanuts. Not only did Enterprise stave off disaster, but its economy was renewed by the thriving new crop base. In appreciation, the people of Enterprise erected a monument in the city center to what the monument calls their “herald of prosperity”, the boll weevil. The Boll Weevil Monument was dedicated on December 11, 1919, as a reminder of how the city adjusted in the face of adversity. It is the only monument to an agricultural pest in the world.
In the early afternoon of March 1, 2007, Enterprise was hit by a devastating tornado (rated EF4) during the February–March 2007 tornado outbreak. The tornado caused nine deaths, injured over 121 others, and left severe damage in the city estimated at nearly $307,000,000, the worst disaster in Enterprise history.
The worst damage occurred at Enterprise High School, where eight students died after a hallway was almost completely destroyed. The students were Michael Bowen (16), Andrew (AJ) Jackson (16), Ryan Mohler (16), Peter Dunn lll (16), Michael (Mikey) Tompkins (17), Jamie Vidensek (17), Michelle Wilson (16) and Kathryn Strunk (16); the remaining casualty was resident Edna Strickland. A quarter mile-wide swath through the downtown area was devastated, with at least 370 houses damaged or destroyed. The National Guard was called into the city; a dusk-to-dawn curfew was implemented immediately after the disaster. President Bush, who arrived the morning of March 3, declared the county a disaster area. An AmeriCorps team was sent to the city to help organize and participate in disaster relief.
The high school was to be relocated to the west end of Boll Weevil Circle. It was due to be rebuilt by the 2010–11 school year at a cost over $80,000,000. Until then, the students were required to go to school at the local community college, where trailers were used to add classrooms. The high school was rebuilt and reopened on August 23, 2010.
As of the 2020 United States census, there were 28,711 people, 10,744 households, and 7,461 families residing in the city.
As of the 2010 census, 26,562 people, 10,513 households, and 7,196 families resided in the city. The population density was 850 inhabitants per square mile (330/km). The 11,616 housing units averaged 371.1 per mi2 (143.2/km). The racial makeup of the city was 69.4% White, 20.7% Black or African American, 0.5% Native American, 2.0% Asian, 0.3% Pacific Islander, 4.1% from other races, and 2.9% from two or more races. Hispanics or Latinos of any race were 8.8% of the population.
Of the 10,513 households, 32.2% had children under the age of 18 living with them, 50.3% were married couples living together, 13.9% had a female householder with no husband present, and 31.6% were not families. About 25.6% of all households were made up of individuals, and 8.5% had someone living alone who was 65 years of age or older. The average household size was 2.50, and the average family size was 3.00.
In the city, the age distribution was 25.4% under 18, 9.3% from 18 to 24, 29.1% from 25 to 44, 23.3% from 45 to 64, and 12.9% who were 65 years or older. The median age was 34.2 years. For every 100 females, there were 96.2 males. For every 100 females aged 18 and over, there were 99.6 males.
The median income for a household in the city was $48,042, and the median income for a family was $63,036. Males had a median income of $45,556 versus $31,588 for females. The per capita income for the city was $25,185. About 13.9% of families and 15.6% of the population were below the poverty line, including 23.7% of those under age 18 and 12.9% of those age 65 or over.
As of the 2000 census, 21,178 people, 8,533 households, and 5,973 families were residing in the city. The population density was 684.2 inhabitants per square mile (264.2/km). The 9,641 housing units averaged 311.5 per square mile (120.3/km2). The racial makeup of the city was 71.62% White, 22.95% African American, 0.48% Native American, 1.60% Asian, 0.16% Pacific Islander, 1.27% from other races, and 1.92% from two or more races. Hispanics or Latinos of any race were 3.88% of the population.
Of the 8,533 households, 33.1% had children under the age of 18 living with them, 53.6% were married couples living together, 13.3% had a female householder with no husband present, and 30.0% were not families. About 25.7% of all households were made up of individuals, and 9.5% had someone living alone who was 65 years of age or older. The average household size was 2.45 and the average family size was 2.95.
In the city, the age distribution was 25.4% under 18, 9.3% from 18 to 24, 27.5% from 25 to 44, 23.8% from 45 to 64, and 14.1% who were 65 years or older. The median age was 37 years. For every 100 females, there were 91.3 males. For every 100 females aged 18 and over, there were 86.8 males.
The median income for a household in the city was $37,661, and for a family was $45,510. Males had a median income of $37,131 versus $20,560 for females. The per capita income for the city was $20,493. About 10.4% of families and 13.4% of the population were below the poverty line, including 21.0% of those under age 18 and 11.1% of those age 65 or over.
Enterprise is served by Enterprise City Schools. It is also home to Enterprise State Community College, formerly known as Enterprise State Junior College. A two-year college, the Enterprise campus is home to the Boll Weevils.
Murals were produced from 1934 to 1943 in the United States through the Section of Painting and Sculpture, later called the Section of Fine Arts, of the Treasury Department. Paul Theodore Arlt was an artist with the Section of Fine Arts and painted the post office mural, The Section, in the Enterprise post office in 1941. The post office was torn down in 1991, but Arlt’s mural, Saturday in Enterprise was preserved and now hangs in the Enterprise Public Library.
Weevil Way is a community art project with a series of more than 25 boll weevil statues decorated or dressed to represent the local landmarks or businesses where they stand.
A weekly newspaper, The Southeast Sun, had been published since 1982 but is no longer publishing. The Enterprise Ledger is published Tuesday–Friday and Sunday and has been in circulation since 1898.
The song “Your Guardian Angel” by The Red Jumpsuit Apparatus is dedicated to the eight students who lost their lives when a tornado hit the high school. The twister claimed 9 lives and destroyed Enterprise High School. The song “Held In His Love” by The Springs (band) was written by Stewart Halcomb, a student inside Enterprise High School on March 1, 2007, and dedicated to the eight friends he lost that day.
Enterprise was home to the BamaJam Music Festival featuring multiple acts performing on different stages in three days. Attendance has reached as high as 100,000 each night. In 2008, headliners included Hank Williams, Jr., ZZ Top, Lynyrd Skynyrd, and Trace Adkins, and in 2009, headliners included Taylor Swift, Blake Shelton, Charlie Daniels, Alan Jackson, Brooks and Dunn, The Black Crowes, and Kid Rock.
BamaJam 2011 was cancelled, but the show returned to BamaJam Farms in June 2012 with Eric Church, Tim McGraw, Ronnie Milsap, Alan Jackson, the Zac Brown Band, Sheryl Crow, and Kid Rock.
Enterprise is located at 31° 19′ 39″ N, 85° 50′ 40″ W (31.3275 N, -85.844444 W).
Major highways that run through the city include U.S. Route 84 and Alabama State Routes 27, 134, and 167. US 84 runs through the northern part of the city along Boll Weevil Circle, leading northwest 16 mi (26 km) to Elba, the Coffee County seat, and east 9 mi (14 km) to Daleville. SR 167 runs north to south on the eastern side of the city on Boll Weevil Circle, leading north 26 mi (42 km) to SR 87 south of Troy and southeast 18 mi (29 km) to Hartford. SR 134 runs west 26 mi (42 km) to Opp.
The climate in this area is characterized by hot, humid summers and generally mild winters. According to the Köppen Climate Classification system, Enterprise has a humid subtropical climate, abbreviated “Cfa” on climate maps. The temperatures are moderated by its proximity to the Gulf Coast, and is part of the Wiregrass Region of Southern Alabama, Georgia, and Florida. The temperatures are usually not dissimilar from the Florida panhandle area.
It is located in USDA Plant Hardiness Zone 8B with an average minimum temperature of 15 to 20 (F). As a result of its mild to warm climate, palm trees such as Butia capitata, Sabal palmetto, Phoenix canariensis, Cycas revoluta, and Trachycarpus fortunei are widely grown throughout the city.
Hurricanes and Tornadoes are common here as occasionally hurricanes can reach as far inland as Enterprise and tornadoes also can exist in Enterprise. Hurricane Eloise (1975) and Hurricane Opal (1995) caused extensive damage to the city.
