Insurance Requirements for Owner Operators Dothan, Alabama
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Dothan, 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 Dothan, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Dothan, 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.
Dothan ( DOH-thən) is a city in and the county seat of Houston County in the U.S. state of Alabama. A slight portion of the city extends into Dale and Henry counties. It is Alabama’s eighth-largest city, with a population of 71,072 at the 2020 census, and the 5th largest in Alabama by total Area. It is near the state’s southeastern corner, about 20 miles (32 km) west of Georgia and 16 miles (26 km) north of Florida. It is named after the biblical city where Joseph’s brothers threw him into a cistern and sold him into slavery in Egypt.
Dothan is the principal city of the Dothan, Alabama metropolitan area, which encompasses all of Geneva, Henry, and Houston counties; the small portion in Dale County is part of the Ozark Micropolitan Statistical Area. Together they form the Dothan-Ozark Combined Statistical Area. Coffee County and its Enterprise micropolitan area was originally combined as a statistical area with both Dothan and Ozark as well, but is now split off as its own statistical area by the US Census Bureau. Together they form the Wiregrass region, of which Dothan is the Alabama portion’s largest city. The combined population of the entire Dothan metropolitan area in 2010 was 145,639. The city is the main transportation and commercial hub for a significant part of southeastern Alabama, southwest Georgia, and nearby portions of the Florida Panhandle. Since approximately one-fourth of the U.S. peanut crop is produced nearby, much of it processed in the city, Dothan is known as “The Peanut Capital of the World”. It also hosts the annual National Peanut Festival at the Peanut Festival Fairgrounds.
Between 1763 and 1783, the region that is now Dothan was part of the colony of British West Florida.
The first permanent white settlers consisted of nine families who moved into the area during the early 1830s to harvest the abundant timber. Their settlement, named Poplar Head after the spring, failed to thrive. It was all but abandoned by the time of the Civil War. After the war, a local Pony Express route was founded; together with other developments during the Reconstruction Era, the town began to grow. On November 11, 1885, the citizens voted to incorporate, naming their new city Dothan at the suggestion of a local clergyman after discovering that “Poplar Head” was already registered with the U.S. post office for a town in northern Alabama.
On October 12, 1889, Dothan was the scene of a deadly altercation resulting from a dispute over a tax levied on wagons operating within city limits. Local farmers opposed the levy and united in a body called the “Farmers Alliance”. The arrest of some of the alliance’s men led to a riot that left two men dead and others seriously wounded. Chief of Police Tobe Domingus was found guilty of murder and sentenced to ten years in prison. Appeals to the Alabama Supreme Court resulted in a new trial, and Domingus was acquitted.
Farmers turned to peanut production, which was successful and brought financial gain to the city. It became a hub for the production and transport of peanuts and peanut-related products. Today, one-quarter of the U.S. peanut crop is harvested within 75 miles (121 km) of Dothan.
The Southern Company constructed the Joseph M. Farley Nuclear Generating Station near the city between 1970 and 1981; this 1,776-megawatt facility generates about 13,000 gigawatt-hours (47,000 TJ) per year.
Dothan is in northwestern Houston County in southeastern Alabama. The city limits extend north into Henry County and northwest into Dale County. According to the United States Census Bureau, the city has an area of 89.7 square miles (232.4 km), of which 89.4 square miles (231.5 km) is land and 0.31 square miles (0.8 km), or 0.36%, is water.
Dothan has a humid subtropical climate (Köppen Cfa). This produces hot, humid summers and generally mild winters, with average high temperatures ranging from 92 °F (33 °C) in the summer to 59 °F (15 °C) high during winter. Snowfall is extremely rare; a two-inch snowfall occurs about once every ten years, which results in a yearly average of 0.2 inches (5.1 mm). Tornadoes are a frequent risk during the spring, summer and fall; the city’s tornado activity is slightly below the Alabama state average, but 79% above the U.S. average.
The state-recognized Cher-O-Creek Intra Tribal Indians were in Dothan. They descended from members of the Cherokee and Creek peoples who occupied this area and resisted removal to Indian Territory in the 1830s.
As of the 2020 United States census, there were 71,072 people, 27,103 households, and 16,607 families residing in the city.
Dothan is governed by a mayor and city council (called the “board of commissioners”), with a city manager employed to manage city affairs. The city is divided into six council districts, with one commissioner elected from each single-member district to a four-year term. Members of the commission serve part-time and are responsible for drafting all city ordinances and policies and appropriation of city funds. Dothan’s mayor is elected at-large for four years and serves as a member of the board of commissioners. The city manager implements the board’s policies and manages the city’s day-to-day operations, including hiring, managing and firing the heads of city government departments. A total of 999 full-time and 215 part-time employees work for Dothan’s city agencies, including police, fire, clerical, judicial, finance, public works and utilities.
As of 2017, the mayor was Mark Saliba and the city manager was Mike West. Larry H. Williams served as city fire chief and Steve Parrish was police chief.
Dothan is in Alabama’s 2nd congressional district; its representative (as of 2021) is Barry Moore. The city is divided among three different state senate districts (28, 29 and 31) and four state representative districts (85, 86, 87 and 93).
Most K-12 students in Dothan and Houston County attend Dothan City Schools or Houston County Schools. Others attend local private schools, such as Houston Academy, Providence Christian School, Northside Methodist Academy, Emmanuel Christian School, and Westgate Christian School. Institutes of higher education include Fortis College, Troy University Dothan Campus, Wallace Community College, Bethany Divinity College & Seminary, and the Alabama College of Osteopathic Medicine.
Dothan Regional Airport is served by Delta Air Lines and Aero-One Aviation as of September 2017. The airport was established at the former Army airbase at Napier Field in 1965, after then-Mayor Richmond McClintock started a push to move the airport in the early 1950s. Jet services began in 1968 with Southern Airways’ acquisition of DC-9 aircraft, and continue today using the CRJ-200 regional passenger jet.
Unlike many municipal airports in the U.S., the Dothan airport is entirely self-supporting, operating without tax-generated funding. All airport revenue is generated by rental and other user fees charged to patrons and tenants of the facility.
The airport serves as the local National Weather Service’s weather observation station.
U.S. Routes 84, 231, and 431 run through Dothan along various parts of Ross Clark Circle (AL-210), the bypass encircling the city. U.S. 84 runs along the northern part of the bypass from west to east, leading east 55 mi (89 km) to Bainbridge, Georgia and west 30 mi (48 km) to Enterprise. U.S. 231 runs along the western part of the bypass from south to north, leading northwest 56 mi (90 km) to Troy and south 83 mi (134 km) to Panama City, Florida. U.S. 431 begins its path northward at the southern end of Ross Clark Circle, and runs along the eastern part of the bypass, leading north 51 mi (82 km) to Eufaula. Other highways that run through Dothan include Alabama State Routes 52 and 53.
Passenger trains no longer operate through Dothan, but Greyhound Bus Lines maintains a station in town. Dothan does not have regularly scheduled public transportation, but offers dial-a-ride service through its nonprofit Wiregrass Transit Authority.
The largest Christian denomination in Dothan is the Southern Baptist church. There are also Anglican, Churches of Christ, Methodist, Presbyterian, Lutheran, AME, Freewill Baptist, Episcopal, United Pentecostal, Assemblies of God, Seventh-day Adventist and various Evangelical churches serving Dothan’s Protestant community.
Saint Michael’s Orthodox Church is an Antiochian Orthodox Church, serving the orthodox community in Dothan and the Wiregrass.
St. Columba Catholic Church serves Dothan’s Roman Catholics. Dothan hosts a Reform Judaism synagogue, Temple Emanu-El, which became nationally famous in 2008 when the congregation offered Jewish families as much as $50,000 to relocate to Dothan to build up the community. The city is also home to two mosques, two Wards of The Church of Jesus Christ of Latter-Day Saints, a Kingdom Hall of Jehovah’s Witnesses.
Dothan is served by a daily newspaper, the Dothan Eagle, a weekly newspaper, the Dothan Progress, and a blog, Rickey Stokes News. It has four television stations, WRGX-LD 23 (NBC), WDFX 34 (FOX), WDHN 18 (ABC) and the oldest television station in southeastern Alabama, WTVY 4 (CBS/MyNetworkTV/CW). WOW!, Comcast and Spectrum (formerly Time Warner Cable) provide cable television service. DirecTV and Dish Network provide direct broadcast satellite television, including local and national channels. The city is also served by several radio stations; among the oldest is 560 WOOF-AM, which went on the air as an AM station in 1947; 99.7 WOOF-FM went on the air in 1964. As of 2020, the radio formats in Dothan are top 40/CHR/pop (106.7 WKMX), adult contemporary (107.7 W299BX, 99.7 WOOF-FM), classical (88.7 WRWA), Christian (94.3 WIZB), rock (100.5 WJRL-FM), classic hits (102.5 WESP), country (95.5 WTVY-FM, 105.3 WECB), rap/hip hop/urban (700/105.9 WARB/W290DG), urban adult contemporary (93.1 WBBK-FM), talk radio (103.9 WDBT), and sports (560/101.1/107.1 WOOF-AM/W261AT/W296DQ). Dothan Magazine offers a bimonthly, people-focused viewpoint of the Dothan area keeping readers up to date on the latest community events, trends and issues. Archived issues of Dothan Magazine are online.
Dothan hosted minor league baseball teams from 1915 to 1917 (AL-FL-GA League and Dixie League) and from 1936 to 1962 (AL-FL League, GA-FL League and AL State League). Teams were known at varying times as the Boll Weevils, Browns, Rebels, Cardinals and Phillies. Major League affiliations were maintained in later years with the St. Louis Cardinals and the Philadelphia Phillies. All teams played at the “D” league level, a defunct minor-league classification that represented the entry or “rookie” level in the minors. Ballparks included Baker Field, City Park, Stadium Park, Jill Alexander Miracle Field and the Wiregrass Memorial Stadium.
The city served host to the Ultimate Fighting Championship on February 7, 1997, at the Dothan Civic Center Arena.
Dothan was selected as one of 11 Alabama sites for a course on the Robert Trent Jones Golf Trail.
In 2007–10, Dothan was recognized as part of the “Playful City USA” initiative by KaBOOM!, created to honor cities that ensure that their children have great places to play.
Dothan has a diverse economy. Agriculture is the largest industry, though retail sales and restaurants have experienced a rapid growth in recent years. Peanut production remains a mainstay of the agricultural sector, but cotton is gaining in importance. Tomato production is significant as well, especially in the nearby town of Slocomb, which styles itself “the Tomato Capital of the World”.
According to the city’s 2011 Comprehensive Annual Financial Report, the top employers in the city are:
According to records available on a police violence tracking website, police have killed 20 people directly or indirectly between 2000 and 2020. Most of the victims were shot, tasered or asphyxiated. Particularly brutal was the killing of a man at a local animal shelter over his refusal to show proper identification to police. A federal judge cleared the police officer after body camera footage showed that the man had taken the officer’s taser and attempted to use it on the officer during an altercation. In 2021, the city of Dothan settled a lawsuit with a payment of $250,000.
The George Washington Carver Museum relates the story of the African-American genius and offers information on African cultures and their influences on the world, prominent African-American scientists, explorers and inventors, and the positive contributions African Americans have made in military affairs and social development.
The Wiregrass Museum of Art, in the city’s original power and water plant (1913), features ongoing exhibitions of visual and decorative art. Its permanent collection includes works by contemporary Southeastern artists such as Dale Kennington, Frank Flemming, Dale Lewis and Cal Breed, as well by nationally recognized artists including Frank Stella and Jim Dine. The museum was organized in 1989 by private citizens and the City of Dothan; it is operated by the Wiregrass Museum of Art, Inc., a 501(c)3 organization.
Southeast Alabama Community Theater offers live entertainment and theatrical productions for the Dothan community.
Spark Theater Company is a nonprofit theater company and performing-arts educational program. Spark Theater offers several public theater productions each year by Dothan-area youth and teens, an after-school theater program, as well as supplemental theater classes for the public school system.
The Joseph statue at Millennium Park is a ten-foot cast bronze sculpture in the downtown area. It represents the Bible verse “For I heard them say, Let us go to Dothan” (Genesis 37:17), on which the town based its name.
Peanuts Around Town is a public art project organized by The Downtown Group, consisting of 5-foot-tall (1.5 m) peanut sculptures decorated in various fashions and displayed around Dothan.
“Wiregrass Festival of Murals” is an ongoing project offering historic murals painted by nationally and internationally acclaimed muralists on walls of buildings in the downtown historic district. Guided tours are available upon request.
The Dothan Opera House, built in 1915, features theatre performances, concerts, symphonies, ballet performances, and other cultural events. Tours are available upon request.
Music South, formerly the Southern Alabama Symphony Association, offers a wide variety of musical performances, from classical symphony performances to jazz, African and other musical styles. “Music by Moonlight” offers four free concerts per year at Dothan’s Landmark Park, featuring classical, jazz, Celtic and bluegrass musicians, among others.
Patti Rutland Jazz is a professional contemporary jazz and hip-hop dance company in Dothan. The company produces two full-length jazz and hip-hop theatrical dance productions yearly (one in late February and one in early June) at its home in the Cultural Arts Center, as well as at Dothan’s historical landmark Opera House. Patti Rutland Jazz operates as a nonprofit 501(c)(3) organization whose core mission is to offer its dancers to the Wiregrass Region to assist underserved youths with free dance classes. This mutually beneficial program hopes to make Dothan a destination for, and a source of, future professional dance talent in the United States.
31°13′37″N 85°24′25″W / 31.227°N 85.407°W