Cheapest Owner Operators Truck Insurance Cost Franklin, Tennessee
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Franklin, Tennessee. 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 Franklin, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Franklin, Tennessee 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.
Franklin is a city in and county seat of Williamson County, Tennessee, United States. About 21 miles (34 km) south of Nashville, it is one of the principal cities of the Nashville metropolitan area and Middle Tennessee. As of 2020, its population was 83,454. It is the seventh-largest city in Tennessee. Franklin is known to be the home of many celebrities, mostly country music stars.
The city developed on both sides of the Harpeth River, a tributary of the Cumberland River. In the 19th century, Franklin (as the county seat) was the trading and judicial center for primarily rural Williamson County and remained so well into the 20th century as the county remained rural and agricultural in nature.
Since 1980, areas of northern Franklin have been developed for residential and related businesses, in addition to modern service industries. The population has increased rapidly as growth moved in all directions from the core. Despite recent growth and development, Franklin is noted for its many older buildings and neighborhoods, which are protected by city ordinances.
The City of Franklin was founded October 26, 1799, by Abram Maury Jr. (1766–1825). Later a state senator, he is buried with his family in the current Founders Pointe neighborhood. Maury named the town after national founding father Benjamin Franklin.
Ewen Cameron built a log house in 1798, the first in the new settlement. Cameron was born February 23, 1768, in Bogallan, Ferintosh, Scotland. He emigrated to Virginia in 1785 and came to Tennessee shortly after it was admitted to the Union. Cameron died on February 28, 1846, after living 48 years in the same house. He and his second wife, Mary, were buried in the old City Cemetery. Some of his descendants continue to live in Franklin.
This area is part of Middle Tennessee, and farmers prospered in the pre-Civil War years, with the cultivation of tobacco and hemp as commodity crops, and raising of livestock.
During the Civil War, Tennessee was occupied by Union troops from 1862. Franklin was the site of a major battle in the Franklin–Nashville Campaign. The Second Battle of Franklin was fought on November 30, 1864, resulting in almost 10,000 casualties (killed, wounded, captured, and missing). Forty-four buildings were temporarily converted to use as field hospitals. The Carter, Carnton, and the Lotz houses from this era are still standing and are among the city’s numerous examples of period architecture.
On July 6, 1867, a political rally of Union League Black Republicans in Franklin was disrupted by Conservatives, who were mostly White but included some Blacks. Later that evening, what became known as the “Franklin Riot” broke out. Black Union League men were ambushed by Whites at the town square and returned fire. An estimated 25 to 39 men were wounded, most of them Black. One White man was killed outright, and at least three Black people died of wounds soon after the confrontation.
On August 15, 1868, in Franklin, Samuel Bierfield became the first Jewish man to be lynched in the United States. He was fatally shot by a large group of masked men believed to be KKK members. They attacked him for treating Blacks equally to Whites in his store. Bowman, a Black man who worked for Bierfield and was with him at his store, was wounded in the attack and soon died.
After the Reconstruction era, violence continued against African Americans, rising toward the turn of the century. Five African Americans were lynched in Williamson County from 1877 to 1950, most during the decades around the turn of the century, a time of high social tensions and legal racial oppression in the South. These murders took place in Franklin, when men were taken from the courthouse or county jail before trial. Among them was Amos Miller, a 23-year-old Black man who was forcibly taken from the courtroom by a White mob during his 1888 trial in a sexual assault case, and hanged from the railings of the balcony of the county courthouse. The alleged victim was a 50-year-old woman. On April 30, 1891, Jim Taylor, another African American man, was lynched on Murfreesboro Road in Franklin by another mob, accused of killing a White man.
A memorial to Confederate soldiers was erected in 1899 by fourteen women of the United Daughters of the Confederacy to honor Confederate soldiers, including the 6,125 casualties of the Battle of Franklin. A news report described how as the last piece of the statue was being raised, a buggy ran into a rope, causing the statue to swing into the shaft, breaking out a piece from the hat of the figure. This event has given rise to the monument’s nickname by many of “Chip.”
Population growth slowed noticeably from 1910 to 1940 (see table in Demographics section), as many African Americans left the area in the Great Migration to northern industrial cities for jobs and to escape Jim Crow conditions.
One of the first major manufacturers to establish operations in the county was the Dortch Stove Works, which opened a factory in Franklin in 1928. The factory was later developed as a Magic Chef factory, producing electric and gas ranges. (Magic Chef was prominent in the Midwest from 1929.) When the factory was closed due to extensive restructuring in the industry, the structure fell into disuse. The factory complex was restored in the late 1990s in an adaptation for offices, restaurants, retail and event spaces. It is considered a “model historic preservation adaptive reuse project.”
Since the late 20th century, however, Franklin has rapidly developed as a suburb of Nashville, Tennessee. Franklin’s population has increased more than fivefold since 1980, when its population was 12,407. In 2010, the city had a population of 62,487. As of 2017 Census estimates, it is the state’s seventh-largest city. In 2017, the City of Franklin was ranked the 8th fastest-growing city in the nation by the U.S. Census Bureau, increasing 4.9 percent between July 1, 2016, and July 1, 2017.
Many of its residents commute to businesses in Nashville, which is 20 miles (32 km) to the north. The regional economy has also expanded, with considerable growth in businesses and jobs in Franklin and Williamson County.
After the passage of the National Historic Preservation Act of 1966, some Franklin residents have worked to identify and preserve its most significant historic assets. Five historic districts are listed on the National Register of Historic Places, as are many individual non-historic but older structures.
Franklin is home to an armed forces memorial, on the grounds of the Williamson County Archives, which honors Williamson County servicemen who served in American wars from the Creek War to the Gulf War. Around the seal of Franklin are placed engraved bricks that radiate around it in a circle. The largest brick is in honor of George Jordan, a former slave who fought in the Indian Wars in New Mexico, and the only Williamson Countian to receive the Congressional Medal of Honor.
As part of the “Fuller Story,” a plan developed by historic preservation and church leaders to recognize the lives and contributions of African Americans to Franklin, a statue of a soldier of the United States Colored Troops, to mark the contributions of African Americans in ending the Civil War and reuniting the Union, has been placed in front of the old Williamson County Courthouse on the Franklin Square, the site of a former slave market and the current “Chip” statue. This project was approved by the Franklin Board Of Mayor and Aldermen. In 2018, the first of several planned historic plaques was installed; these mark the history of slavery, the Reconstruction era and Jim Crow, and civil rights.
According to the United States Census Bureau, the city has a total area of 41.4 square miles (107.3 km), of which 41.2 square miles (106.8 km2) is land and 0.2 square miles (0.6 km), or 0.52%, is covered by water.
As of the 2020 United States census, there were 83,454 people, 32,690 households, and 23,675 families residing in the city.
As of the census of 2010, 62,487 people, 16,128 households, and 11,225 families resided in the city. The population density was 1,393.3 inhabitants per square mile (538.0/km2). The 17,296 housing units averaged 575.9 per square mile (222.4/km). The racial makeup of the city was 84.53% White, 10.35% African American, 4.84% Latino, 1.61% Asian, 0.24% Native American, 0.05% Pacific Islander, 2.17% from other races, and 1.06% from two or more races.
Of the 16,128 households, 38.6% had children under the age of 18 living with them, 56.2% were married couples living together, 10.8% had a female householder with no husband present, and 30.4% were not families; 25.0% of all households were made up of individuals, and 5.4% had someone living alone who was 65 years of age or older. The average household size was 2.55 and the average family size was 3.09.
In the city, the population was distributed as 27.9% under the age of 18, 7.5% from 18 to 24, 38.1% from 25 to 44, 19.2% from 45 to 64, and 7.4% who were 65 years of age or older. The median age was 33 years. For every 100 females, there were 93.6 males. For every 100 females age 18 and over, there were 90.2 males.
The median income for a household in the CDP was $75,871, and for a family was $91,931. Males had a median income of $66,622 versus $43,193 for females. The per capita income for the CDP was $36,445. About 5.0% of families and 7.0% of the population were below the poverty line, including 9.2% of those under age 18 and 6.9% of those age 65 or over. Less than 5.0% of the eligible workforce was unemployed.
Franklin is home to health-care-related businesses such as Community Health Systems, Acadia Healthcare, Iasis Healthcare, Tivity Health, Home Instead Senior Care, MedSolutions Inc, and Renal Advantage Inc.
Nissan, Mitsubishi Motors, Clarcor, CKE Restaurants, Jackson National Life, Triangle Tyre Company, Provident Music Group, World Christian Broadcasting, Mars Petcare, Franklin American Mortgage, Kaiser Aluminum, Lee Company, Ramsey Solutions, Video Gaming Technologies, and Atmos Energy also have corporate or regional headquarters in Franklin.
According to the city’s 2020 Comprehensive Annual Financial Report, the top employers in the city were:
The city is run by a mayor, elected at-large in the city, and a board of eight aldermen. Four of the latter are elected from single-member districts of roughly equal population, and four are elected at-large. All electoral offices are for four-year terms, with the ward alderman elected in one cycle, and the mayor and at-large aldermen elected two years later. The city’s policies and procedures are decided by the Board of Mayor and Aldermen.
Resolutions, municipal ordinances, and the municipal code are carried out by the city’s various departments. These are: Administration, Building and Neighborhood Services, Engineering, Finance, Fire, Human Resources, Information Technology, Law, Planning and Sustainability, Parks, Police, Sanitation and Environmental Services, Streets, and Water Management. These 14 departments are overseen by the City Administrator, a professional manager hired by the Board of Aldermen.
In the Tennessee House of Representatives, Franklin is divided between three districts; District 61, currently represented by Republican Brandon Ogles, District 63, represented by Republican Glen Casada, and District 65, represented by Republican Sam Whitson. Franklin is included in Tennessee Senate District 23, which is coterminous with Williamson County, and held by Republican Jack Johnson, the current Senate Majority Leader.
For grades K-8, most of the city is served by the Williamson County School District; high school students attend Franklin Special School District. Outerlying portions of the city are in the Williamson County district for grades K-12.
Franklin’s private schools include Battle Ground Academy, Franklin Classical School, Franklin Christian Academy, Montessori School of Franklin, and New Hope Academy.
Interstate 65 passes through the eastern part of the city and provides four exits in the city. U.S. Routes 31 and 431 intersect in the city, and form a concurrency, connecting the city to Nashville to the north. U.S. Route 31 connects the city to Spring Hill and Columbia to the south, and US 431 connects to Lewisburg to the south. State Route 96 connects the city to Murfreesboro to the east, and Dickson to the west. State Route 246 also connects the city to Columbia to the southwest, and serves as an alternative to US 31. State Route 441 begins in the northern part of the city, and connects to Brentwood. State Route 397, also designated as US 31/431 Truck and Mack Hatcher Memorial Parkway, serves as a bypass around the business district of the city to the east. Other major thoroughfares in Franklin include Cool Springs Boulevard and McEwen Drive, both of which have interchanges with I-65.
The City of Franklin Water Management Department operates a system that provides water and wastewater services to a majority of city residents and some residents of surrounding areas. Some areas of Franklin may receive water and wastewater services from the Mallory Valley Utility District, the Milcrofton Utility District, and the HB&TS Utility District.
Electricity is provided by the Middle Tennessee Electric Membership Corporation (MTEMC), which serves several of the suburban counties of Nashville and purchases power from the Tennessee Valley Authority (TVA).
Natural gas service is provided by Atmos Energy.
Pilgrimage is a music festival put together by Kevin Griffin, who lives and works as a musician in Franklin. Premiering in 2015, it draws nationally prominent acts from a variety of genres. Pilgrimage is held in late September and takes place at The Park at Harlinsdale. In addition to musical acts, it features children’s activities, food, and a marketplace showcasing local crafts.
Franklin’s Main Street Festival involves artisans, four stages, two carnivals, and two food courts installed in the historic Franklin Square and Downtown District. Arts and crafts booths run from First to Fifth Avenue.
Pumpkinfest is an annual fundraiser for the Heritage Foundation of Franklin and Williamson County, held on the Saturday before Halloween. The holiday theme is carried through activities including music, children’s amusements, local artisans, and food.
Dickens of a Christmas is celebrated every second week in December, attracting approximately 50,000 visitors yearly. It takes place in Historic Downtown Franklin. Costumed volunteers masquerade as figures from Charles Dickens’ A Christmas Carol. Music and dancing are a big part of the festival, and local school and church musical groups often perform. Victorian cuisine is served to visitors, and an arts and crafts bazaar features prominently in Public Square.
Franklin is an active participant in the Sister Cities program. Sister Cities of Franklin & Williamson County was founded as an outgrowth of Leadership Franklin in March 2002. The City of Franklin has relationships with the following municipalities: