Insurance Requirements for Owner Operators Gulfport, Mississippi
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Gulfport, Mississippi. 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 Gulfport, Mississippi with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Gulfport, Mississippi 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.
Gulfport is the second-largest city in U.S. state of Mississippi after the state capital, Jackson. Along with Biloxi, Gulfport is the co-county seat of Harrison County and the larger of the two principal cities of the Gulfport–Biloxi metropolitan area. As of the 2020 census, the city of Gulfport had a total population of 72,926, with 416,259 residents in its metro area. The city lies along the Gulf Coast in southern Mississippi, taking its name from its port on the Mississippi Sound. It is also home to the U.S. Navy Atlantic Fleet Seabees.
This area was occupied by indigenous cultures for thousands of years, culminating in the historic encounter between the Choctaw and the first European explorers of the area. Along the Gulf Coast, French colonists founded nearby Biloxi, and Mobile in the 18th century, well before the area was acquired from France by the United States in 1803 in the Louisiana Purchase. By the Indian Removal Act of 1830, the United States completed treaties to extinguish Choctaw and other tribal land claims and removed them to Indian Territory, now Oklahoma. In that period, the other four of the Five Civilized Tribes in the Southeast were also removed, to make way for white settlers to take over the lands and develop them for agriculture, especially cotton.
An early settlement near this location, known as Mississippi City, appeared on a map of Mississippi from 1855. Mississippi City was the county seat of Harrison County from 1841 to 1902, but is now a suburb in east Gulfport.
Gulfport was incorporated on July 28, 1898. The city was founded by William H. Hardy, who was president of the Gulf and Ship Island Railroad (G&SIRR) that connected inland lumber mills to the coast. He was joined by Joseph T. Jones, who later took over the G&SIRR, dredged the harbor in Gulfport, and opened the shipping channel to the sea. In 1902, the harbor was completed and the Port of Gulfport became a working seaport. On April 28, 1904, the Treasury Department changed the port of entry for the district of the Pearl River from Shieldsboro to Gulfport. It now accounts for millions of dollars in annual sales and tax revenue for the state of Mississippi.
In 1910, the U.S. Post Office and Customhouse was built here. This Gulfport Post office was listed on the National Register of Historic Places in 1984.
In March 1916, Mayor George M. Foote announced that the Andrew Carnegie foundation was going to aid in construction of a Carnegie Library in Gulfport. The city had agreed to providing matching funds for the construction as well as committing to provide operating funds. In the 20th century, the city developed as an important port; as it was served by railroads from the interior, it stimulated town growth by providing a way to get products to markets.
The city’s location on the coast made it vulnerable to hurricanes and it weathered several. But on August 17, 1969, Gulfport and the Mississippi Gulf Coast were hit by Hurricane Camille. Measured by central pressure, Camille was the second-strongest hurricane to make U.S. landfall in recorded history. The area of total destruction in Harrison County was 68 square miles (180 km). The total estimated cost of damage was $1.42 billion (1969 USD, $9 billion 2012 USD). Camille was the second-most expensive hurricane in the United States, up to that point (behind Hurricane Betsy). The storm directly killed 143 people in Alabama, Mississippi, and Louisiana.
In December 1993, the City annexed 33 square miles (85 km) north of Gulfport, making it the second-largest city in Mississippi.
On August 29, 2005, Gulfport was hit by the strong eastern side of Hurricane Katrina. Much of the city was flooded or destroyed that day by the strong, hurricane-force winds, which lasted more than 16 hours, and a storm surge exceeding 28 feet (8.5 m) in some sections.
Hurricane Katrina damaged more than 40 Mississippi libraries, gutting the Gulfport Public Library, first floor, and breaking windows on the second floor, beyond repair. It required total reconstruction.
Although Katrina’s damage was far more widespread, it was not the fiercest hurricane to hit Gulfport. Katrina, a Category 3 storm at landfall, was dwarfed by Hurricane Camille, a Category 5 storm, which had hit Gulfport and neighboring communities on August 17, 1969, with 175 mph sustained winds compared to Katrina’s 120 mph sustained winds.
The Sun Herald newspaper in Biloxi-Gulfport won the 2006 Pulitzer Prize in journalism for its Katrina coverage. The local ABC television affiliate, WLOX, won the Peabody Award for its Hurricane Katrina coverage.
According to the United States Census Bureau, the city had a total area of 64.2 sq mi (166.4 km), of which 56.9 sq mi (147.4 km) is land and 7.3 sq mi (19.0 km) (11.40%) is water.
Gulfport Formation, here named in Harrison Co., southeastern MS, described as barrier ridge composed of white, medium- to fine-grained sand, yellow-orange near surface. Thickness ranges form 5.0 to 9.5 m. Overlies Biloxi Formation. Age is late Pleistocene.
Gulfport Formation is limited to a 1- to 3-km-wide discontinuous barrier ridge belt that borders the Gulf mainland shore. Commonly overlies Prairie Formation (alluvium) landward and Biloxi Formation (shelf deposits) near shore. Grades upward from poorly to moderately sorted shoreface sands to foreshore sand and dunes. Fig. 1 shows unit extending from Gulfport, MS, eastward to the mouth of the Ochlockonee River, Franklin County, Florida. Deposited during the Sangamonian.
The city listed 39 official neighborhoods in 2000. These neighborhoods are sometimes subdivisions or accumulations of gradual home development. These include:
Gulfport has a humid subtropical climate, which is strongly moderated by the Gulf of Mexico. Winters are short and generally mild; cold spells do occur, but seldom last long. Snow flurries are rare in the city, with no notable accumulation occurring most years. Summers are generally long, hot and humid, though the city’s proximity to the Gulf prevents extreme summer highs, as seen farther inland. Gulfport is subject to extreme weather, most notably tropical storm activity through the Gulf of Mexico.
As of the 2020 United States census, there were 72,926 people, 25,559 households, and 15,584 families residing in the city.
According to Gulfport’s 2017 Comprehensive Annual Financial Report, the top employers in the city were:
From its beginnings as a lumber port, Gulfport evolved into a diversified city. With about 6.7 miles (10.8 kilometres) of white sand beaches along the Gulf of Mexico, Gulfport has become a tourism destination, due in large part to Mississippi’s coast casinos. Gulfport has served as host to popular cultural events such as the “World’s Largest Fishing Rodeo,” “Cruisin’ the Coast” (a week of classic cars), “Black Spring Break” and “Smokin’ the Sound” (speedboat races). Gulfport is a thriving residential community with a strong mercantile center. There are historic neighborhoods and home sites, as well as diverse shopping opportunities and several motels scattered throughout to accommodate golfing, gambling, and water-sport tourism. Gulfport is also home to the Island View Casino, one of twelve casinos on the Mississippi Gulf Coast.
Gulfport/Biloxi and the Gulf Coast area is served by the Gulfport-Biloxi International Airport.
Major roads and highways serve Gulfport. Interstate 10 runs east–west through the middle section of Gulfport. U.S. 90, following the coast in this region, runs east–west through the downtown area. U.S. 49 from the north terminates in Gulfport.
Until Hurricane Katrina in 2005, Amtrak’s Sunset Limited from Los Angeles to Orlando made stops in Gulfport station. Well into the 1960s, the Louisville and Nashville ran several trains daily, making stops in Gulfport–Crescent, Gulf Wind, Humming Bird, Pan-American and Piedmont Limited—varied destinations including New Orleans, Cincinnati, Atlanta, New York City and Jacksonville.
The Gulfport Police Department has 160 sworn personnel and 80 civilian staff. It is assisted by the U.S. Coast Guard, which operates 9 boats out of the port of Gulfport, 4 of which are Patrol Boats. The Gulfport station has 110 members which include Active, Reserve and Coast Guard Auxiliary who respond to an average of 300 search and rescue cases annually.
The Gulfport Fire Department was founded in 1908 and currently provides fire suppression, HAZMAT response, and technical rescue services within the city limits of Gulfport, Mississippi . The GFD operates out of 11 active stations and is staffed by professional firefighters. The GFD works in conjunction with American Medical Response for EMS related emergencies.
Gulfport uses a strong mayor-council form of government. The city is subdivided into seven wards, where members are elected as part of the Gulfport City Council. The current mayor is Billy Hewes who is serving his third term in office.
The City of Gulfport is served by the Gulfport School District and the Harrison County School District. The Harrison County Campus of Mississippi Gulf Coast Community College is also located in Gulfport.
Before Hurricane Katrina, William Carey University had a satellite campus in Gulfport. In 2009, the university moved to its new Tradition Campus, constructed off Mississippi Highway 67 in north Harrison County.
The Gulf Park Campus of the University of Southern Mississippi is located in Long Beach, just west of Gulfport. In 2012, repairs and renovations to campus buildings were still in progress following extensive damage in 2005 by Hurricane Katrina.
Gulfport’s local newspaper is The Sun Herald. It is also served by two television stations, the ABC affiliate WLOX and CBS on WLOX-DT2, the Fox affiliate WXXV, WXXV Digital signal on Channel 25.2 as NBC 25 NBC affiliate, and WXXV Digital signal on Channel 25.3 as The Gulf Coast CW CW+ affiliate. There are also seven radio stations in the Gulfport area.
Movies and TV series filmed in Gulfport include the 2016 film Precious Cargo, the 2017 TV movie Christmas in Mississippi, and the 2015 TV series The Astronaut Wives Club.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.