Cheapest Owner Operators Truck Insurance Cost Johns Creek, Georgia
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Johns Creek, Georgia. 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 Johns Creek, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Johns Creek, Georgia 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.
Johns Creek is a city in Fulton County, Georgia, United States. According to the 2020 census, the population was 82,453. The city is a northeastern suburb of Atlanta.
In the early 19th century, the Johns Creek area was dotted with trading posts along the Chattahoochee River in what was then Cherokee territory. The Cherokee nation at the time was a confederacy of agrarian villages led by a chief. However, after Europeans colonized the area, the Cherokee developed an alphabet, and a legislature and judiciary system patterned after the American model.
Some trading posts gradually became crossroads communities where pioneer families – Rogers, McGinnis, Findley, Buice, Cowart, Medlock and others – gathered to visit and sell their crops.
By 1820, the community of Sheltonville (now known as Shakerag) was a ferry crossing site, with the McGinnis Ferry and Rogers Ferry carrying people and livestock across the river for a small fee. Further south, the Nesbit Ferry did the same near another crossroads community known as Newtown.
In the 1820s, the discovery of gold in the foothills of northeast Georgia within the Cherokee Nation – approximately 45 miles (72 km) north of today’s Johns Creek – led to America’s first Gold Rush, the eventual takeover of the Cherokee Nation by the U.S. government in 1830, and the subsequent forced exile (the “Trail of Tears”) of Cherokee Indians to Oklahoma and other areas of the American West.
A few Cherokees remained, the most famous being Sarah Cordery (1785–1842), the half-blood Cherokee wife of pioneer John Rogers (1774–1851), and their 12 children. Rogers was a respected, influential plantation owner and colleague of President Andrew Jackson. Rogers’s 1828 home – today, a private residence in Johns Creek – was an overnight stop-over for Jackson. Much later, the home was also visited by famed humorist Will Rogers, the great, great-nephew of John Rogers. Johns Creek’s name comes from John Rogers’s son, Johnson K. Rogers. A local tributary was named after him, and the name “Johns Creek” eventually came to be the name of the area.
In 1831, much of the land in the former Cherokee Nation north of the Chattahoochee was combined into the massive Cherokee County. When Milton County was formed in 1858, the Johns Creek area was folded into it.
In the 1930s, during the Great Depression, Milton County was dissolved and all of its land was then absorbed into Fulton County.
The four main crossroad communities — Ocee, Newtown, Shakerag and Warsaw — remained the social, educational and business centers of rural, unincorporated northeast Fulton County. For the next 50 years, these communities helped bring a sense of identity to this largely undeveloped and underpopulated area, as the nearby cities of Roswell, Alpharetta, Duluth and Suwanee and adjoining Forsyth and Gwinnett counties continued to grow and develop.
In 1981, a group of Georgia Institute of Technology graduates bought 1,700 acres (6.9 km) of farmland and woods near McGinnis Ferry and Medlock Bridge Roads for a high-tech office park. The new office park was to mirror one built in 1970 in nearby Peachtree Corners, known as Technology Park/Atlanta. Spotting tiny Johns Creek on an old map, they named their mixed-use, master-planned community “Technology Park/Johns Creek”. This is the first reference to Johns Creek as a place. The area grew over the years to become the home of 200 companies – many of them Fortune 500 firms – with nearly 11,000 people spread over 6,000,000 square feet (560,000 m2) of office, retail and industrial space. With the jobs came houses and shopping centers, and the population increased to about 60,000.
By 2000, a grassroots movement to incorporate the Johns Creek area into a city was slowly developing. Residents wanted more control over issues such as traffic, growth, development and quality of life. They also sought a level of service that was a challenge for the sprawling Fulton County to provide. Following the nearby city of Sandy Springs’ successful incorporation in 2005, a legislative campaign was started to incorporate the Johns Creek community. House Bill 1321 was passed by the state legislature, signed by Gov. Sonny Perdue in March 2006, and approved by the residents of northeast Fulton County in a July 18, 2006 voter referendum. In November 2006, the city’s first elected officials were voted into office, with the City of Johns Creek becoming official December 1, 2006.
Newtown Elementary School, built in 1929, is Johns Creek’s only listing on the National Register of Historic Places. It was listed in August 2006, with location described as “near Alpharetta”, before Johns Creek’s incorporation was completed.
In 2017, an iHeartJC initiative has been growing to have the city’s residential, business and innovation ecosystem develop a long-term strength and identity in healthcare innovation and wellness. The resolution passed a year later. In 2022, the group was renamed Johns Creek Vitality.
Johns Creek is located in northeastern Fulton County. The elevation ranges from 880 feet (270 m) above sea level along the Chattahoochee River to 1,180 feet (360 m) in the Ocee area along the Alpharetta border. Johns Creek is bounded to the south by the Chattahoochee River and Gwinnett County, and on the northeast by McGinnis Ferry Road and Forsyth County. It is bounded by Roswell to the west, Alpharetta to the northwest, Suwanee to the east, and Duluth, Berkeley Lake, and Peachtree Corners to the south. Downtown Atlanta is 27 miles (43 km) to the southwest.
According to the U.S. Census Bureau, the city of Johns Creek has a total area of 31.3 square miles (81.0 km), of which 30.7 square miles (79.6 km2) is land and 0.54 square miles (1.4 km), or 1.76%, is water.
Johns Creek has a humid subtropical climate (Köppen climate classification Cfa).
As of the 2020 United States census, there were 82,453 people, 28,638 households, and 23,283 families residing in the city.
According to the 2010 U.S. census, 76,728 people live in the city of Johns Creek, a 27.1 percent increase since a 2000 estimate for Georgia’s 10th largest city. The racial makeup of the city in the 2010 U.S. census was 63.5 percent White; 23.4 percent Asian (8.4% Asian Indian, 6.5% Korean, 5.7% Chinese, 0.5% Vietnamese, 0.5% Japanese, 0.5% Pakistani, 0.4% Filipino, 0.1% Bangladeshi, 0.1% Indonesian, 0.1% Thai, 0.1% Cambodian, 0.1% Laotian); 9.2 percent African American; 5.2 percent Hispanic or Latino of any race (1.6% Mexican, 0.8% Puerto Rican, 0.7% Colombian, 0.4% Cuban, 0.2% Peruvian, 0.2% Dominican, 0.2% Venezuelan, 0.1% Guatemalan, 0.1% Honduran, 0.1% Salvadoran, 0.1% Chilean, 0.1% Argentinean, 0.1% Ecuadorian, 0.1% Spanish); 0.1 percent Native American; 1.4 percent from other races; and 2.4 percent from two or more races.
Johns Creek’s 2010 demographics showed an estimated $109,576 median household income, a $137,271 average household income and a $45,570 per capita income.
According to the City’s 2021 Annual Comprehensive Financial Report, the top employers in the city are:
Johns Creek has metro Atlanta’s only part-time, fully professional symphony orchestra, the Johns Creek Symphony Orchestra. Under the leadership of Music Director J. Wayne Baughman, the orchestra performs several times each year.
The Johns Creek Arts Center offers classes and camps for aspiring artists in multiple media throughout the year.
There also are several festivals year-round, such as Founders Week in December in which the community celebrates the city’s incorporation with activities and a parade. The Fall Family Festival in September is a community get-together at Newtown Park. Arts on the Creek is a juried art show, and also has musical and stage performers. “The Taste of Johns Creek” is an annual food festival in the fall that features more than 40 local restaurants with proceeds supporting public school extracurricular activities.
There are six golf facilities (five private, one public) in Johns Creek, including the renowned Atlanta Athletic Club, home of the 2011 PGA Championship and the 2014 U.S. Amateur. Other golf facilities include Country Club of the South, Rivermont Golf and Country Club, River Pines Golf, St. Ives Country Club, and The Standard Club.
The Atlanta Athletic Club was the site of the inaugural Atlanta Tennis Championships in 2010. Johns Creek is home to thousands of members of the Atlanta Lawn Tennis Association (ALTA), one of the largest and oldest organized recreation leagues in the country.
Johns Creek, which is bordered by 13.5 miles (21.7 km) of the Chattahoochee River, has multiple nearby spots where paddlers can put in or take out their boats. It has shoals and low-level rapids. It also offers prime trout fishing.
Autrey Mill Nature Preserve and Heritage Center offers a replica of a Creek Indian hut, an 1800s historic village, and wildlife in 46 acres (190,000 m) of woodlands. Biking the 4-mile (6 km) Greenway along Georgia 141 is a popular pastime. The city has plans to develop and connect other pathways to the Greenway, which will tie in with other cities, adding several miles of trails.
Atlanta-Fulton Public Library System operates the Northeast Spruill Oaks Library and Ocee Regional Library.
Each April, the city hosts the annual Johns Creek International Festival. In 2017, over 23,000 visitors attended the event. It is one of the most culturally diverse cities in the state and nation, representing many countries and cultures from around the world. This free community event features restaurants and food trucks, vendors, international beer and wine garden, live music and dance performances, and fun kids’ activities.
Public schools are operated by Fulton County Schools. Schools located in Johns Creek include:
Private schools:
Johns Creek is not directly served by MARTA trains or buses. GRTA Xpress Route 408 connects Johns Creek with the Doraville MARTA station.
In January 2018 significant plans were approved for the engineering phase to upgrade State Bridge Road and Pleasant Hill Road. There is community-wide support from the community in both neighboring Johns Creek and Duluth for the pedestrian river bridge for the project. It will serve to improve bike pedestrian safety, boost local economies by improving access to businesses, enhance connections with surrounding neighborhoods and improve traffic flow in the area. In addition, the upgrade will serve to ease inspection and maintenance of the bridge in the future.
In March 2018, the Gwinnett County Commissioners approved the agreement with the Johns Creek City Council. Both sides have agreed to remove the sidewalks from the existing bridges in order to widen the roads. To improve safety for pedestrians, a new pedestrian bridge will be constructed on one side of the river. A pedestrian underpass linking both sides of the wider road is being considered to further improve access and provide for a safer crossing of the road.
The Rogers bridge project is another significant plan is to connect to Duluth via reconstructing a bike/pedestrian bridge across the Chattahoochee River. The engineers will determine whether to replace or rehabilitate the existing Rogers Bridge over the Chattahoochee River, will take into account the environmental impacts of each option, and will restore the working bike/pedestrian connection between Duluth and Johns Creek. This will allow access to the planned 133 acre parkland under development in Johns Creek, and will allow Fulton County residents access to Rogers Bridge Park, the Chattapoochee Dog Park, and the Western Gwinnett Bikeway currently under development by Gwinnett County.
The Johns Creek Police Department launched April 27, 2008, and the fire department launched October 27, 2008. The police department was certified by the Georgia Association of Chiefs of Police and accredited by the Commission on Accreditation for Law Enforcement within two years of the department’s formation.