Insurance Requirements for Owner Operators Columbia, Tennessee
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Columbia, 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 Columbia, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Columbia, 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.
Columbia is a city in and the county seat of Maury County, Tennessee. The population was 41,690 as of the 2020 United States census. Columbia is included in the Nashville metropolitan area.
The self-proclaimed “mule capital of the world,” Columbia celebrates the city-designated Mule Day each April. Columbia and Maury County are acknowledged as the “Antebellum Homes Capital of Tennessee”; the county has more antebellum houses than any other county in the state. The city is home to one of the last two surviving residences of James Knox Polk, the 11th President of the United States; the other is the White House.
A year after the organization of Maury County in 1807, Columbia was laid out in 1808 and lots were sold. The original town, on the south bank of the Duck River, consisted of four blocks. The town was incorporated in 1817.
Columbia was the site of Jackson College from 1837 until its destruction by Union troops during the American Civil War.
Columbia had five documented lynchings in the 20th century. In 1924 a Black man was shot and killed in the courthouse after his sentence was commuted, by the brother of his victim. In 1927 and 1933, young Black men were lynched in Maury County for alleged assaults against white women; the first, Henry Choate, was being held as a suspect when he was lynched, and was hanged from the courthouse. In 1933 Cordie Cheek, a 19-year-old Black man, was falsely accused of raping a white girl. After a grand jury declined to indict him, he was abducted from Nashville by white men including law officials, and taken back to Columbia. There he was castrated and lynched by a white mob.
During World War II phosphate mining and the chemical industry expanded in Columbia to support the war effort. By the 1940 census, the total city population was 10,579; more than 3,000 were African American. After the war, chemical plants were a site of labor unrest between white and Black workers, both in terms of competition for work and efforts to unionize. Veterans sought to re-enter the economy, and Black veterans resisted being pushed back into second-class status after having fought in the war. In the postwar period, Black veterans often became leaders in the growing campaign for civil rights during the 1950s and 1960s throughout the state.
Today, the county is a heritage tourism destination, because of its numerous historic sites. Attractions include the President James K. Polk Home, the Columbia Athenaeum, Mule Day, and nearby plantation homes.
For instance, Clifton Place is a historic plantation mansion located southwest of the city on Mt. Pleasant Pike (Columbia highway). Master builder Nathan Vaught started construction in 1838, and the mansion and other buildings were completed in 1839, for Gideon Johnson Pillow (1806-1877) on land inherited from Gideon Pillow.
Columbia is the location of Tennessee’s first two-year college, Columbia State Community College, established in 1966. President Lyndon B. Johnson and his wife Lady Bird Johnson dedicated the new campus on March 15, 1967. On this visit, the President also visited the James K. Polk Home for a short time.
On June 26, 1977, 42 people, including 34 inmates, died in a fire at the Maury County Jail. Rescue efforts were complicated by the fact that each cell required a separate key, and the dispatcher reportedly had difficulty locating the keys. The fire was reportedly intentionally started by a juvenile inmate.
On February 25, 1946, a civil disturbance, dubbed “the Columbia Race Riot,” broke out in the county seat. It was covered by the national press as the first “major racial confrontation” following World War II.
In a fight instigated by William “Billy” Fleming, a white repair apprentice, James Stephenson, a black Navy veteran, fought back and wounded him. Stephenson had been on the boxing team and refused to accept being hit. Stephenson had accompanied his mother to the repair store, which had mistakenly sold a radio which she had left for repair to John Calhoun Fleming, Billy’s father. A white mob gathered during the altercation. The senior Fleming convinced the sheriff to charge both Stephensons with attempted murder.
Rumors were rife that the Stephensons would be lynched. As whites gathered in the square talking about the incident, blacks armed themselves and planned to defend their business district, which they referred to as “the Bottom”. It started about one block south of the square. Later that evening whites drove around the area, shooting randomly into it; they referred to the neighborhood as “Mink Slide.” Armed black men turned out some street lights and shot out others, patrolling the area for defense. Four policemen who entered the area were wounded and retreated, increasing white rage.
Worried that the small police force could not control the mob, the mayor called in the State Guard and the sheriff called in the state Highway Patrol that night. The Guard resisted Patrol requests to arm the white mob. In an uncoordinated effort, the Highway Patrol entered the district early the next morning before a planned time; they provoked more violence and destroyed numerous businesses. Eventually through the next day, they and the State Guard rounded up more than 100 blacks as suspects in the police shootings. No whites were charged at that point. Two black men were killed and a third wounded, in what the police said was an escape attempt while the Highway Patrol was trying to take them from the jail to the sheriff’s office. The State Guard was withdrawn on March 3.
Twenty-five black men were eventually charged with attempted murder of the four policemen. Another six were charged with lesser crimes, as were four white men. The main attorney defending Stephenson and other men in the case was Thurgood Marshall of the NAACP. He worked with Z. Alexander Looby, who was based in Nashville but associated with the national legal team, and Maurice Weaver, a white civil rights lawyer from Chattanooga, Tennessee.
Marshall asked for a change of venue, hoping to get the trial moved to Nashville or another major city. The judge agreed to move the trial only to nearby Lawrenceburg, Tennessee. Local residents there were unhappy to be involved in the controversial case. Marshall and his team achieved acquittal from an all-white jury for all but two men. The prosecution dropped their charges against these men, as they believed the convictions would be overturned on appeal. The Stephensons were never tried, nor were four Whites charged with murder, nor were several blacks. Of two black men tried for murder, only Loyd Kennedy was convicted in his trial of 1947.
The NAACP continued a publicity campaign about these events, which were also covered by national media. The case gained much attention on the issue of civil rights for African Americans in the United States. The NAACP and other organizations put pressure on President Harry S. Truman to take action to improve the situation. He appointed a President’s Committee on Civil Rights, which issued its report in October 1947. In 1948 Truman directed integration of the Armed Services by Executive Order 9981, as a result of the report and his consultation with black leaders. Marshall was later appointed as the first black United States Supreme Court justice.
Columbia is located at 35°36′54″N 87°2′40″W / 35.61500°N 87.04444°W (35.615022, −87.044464). It developed along the banks of the Duck River at the southern edge of the Nashville Basin; the higher elevated ridges of the Highland Rim are located to the south and west of the city.
The Duck River is the longest river located entirely within the state of Tennessee. Free flowing for most of its length, the Duck River is home to over 50 species of freshwater mussels and 151 species of fish, making it the most biologically diverse river in North America. It enters the city of Manchester and meets its confluence with a major tributary, The Little Duck River, at Old Stone Fort State Park. The fort was named after an ancient Native American structure, between the two rivers, believed to be nearly 2,000 years old. The Duck River is sacred to most of the founding Native American tribes east of the Mississippi River.
According to the United States Census Bureau, the city has a total area of 29.6 square miles (77 km), of which 29.6 square miles (77 km) is land and 0.03% is water. Incorporated in 1817, the city is at an elevation of 637 feet (194 m).
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Columbia has a humid subtropical climate.
As of the 2020 United States census, there were 41,690 people, 15,070 households, and 9,855 families residing in the city.
As of the census of 2000, there were 33,055 people, 13,059 households, and 8,801 families residing in the city. The population density was 1,116.8 inhabitants per square mile (431.2/km). There were 14,322 housing units at an average density of 483.9 per square mile (186.8/km). The racial makeup of the city was 64.63% White, 30.13% African American, 0.28% Native American, 0.41% Asian, 0.03% Pacific Islander, 2.06% from other races, and 1.46% from two or more races. Hispanic or Latino of any race were 4.70% of the population.
There were 13,059 households, out of which 32.4% had children under the age of 18 living with them, 46.8% were married couples living together, 16.3% had a female householder with no husband present, and 32.6% were non-families. 27.8% of all households were made up of individuals, and 10.8% had someone living alone who was 65 years of age or older. The average household size was 2.46 and the average family size was 2.98.
In the city, the population was spread out, with 25.8% under the age of 18, 9.8% from 18 to 24, 28.6% from 25 to 44, 21.0% from 45 to 64, and 14.9% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 89.9 males. For every 100 females age 18 and over, there were 84.1 males.
The median income for a household in the city was $35,879, and the median income for a family was $42,822. Males had a median income of $34,898 versus $22,093 for females. The per capita income for the city was $18,004. About 10.9% of families and 13.9% of the population were below the poverty line, including 19.7% of those under age 18 and 13.2% of those age 65 or over.
The city is served by Maury County Public Schools. Private schools include Agathos Classical School, Zion Christian Academy and Columbia Academy. The city is home to the main campus of Columbia State Community College, a community college serving nine counties in southern Middle Tennessee.
35°36′54″N 87°02′40″W / 35.615022°N 87.044464°W