Insurance Requirements for Owner Operators Kennesaw, Georgia
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Kennesaw, 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 Kennesaw, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Kennesaw, 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.
Kennesaw is a suburban city northwest of Atlanta in Cobb County, Georgia, United States, located within the greater Atlanta metropolitan area. Known from its original settlement in the 1830s until 1887 as Big Shanty, it became Kennesaw under its 1887 charter. According to the 2010 census, Kennesaw had a population of 29,783, but in 2019 it had a population of 34,077 showing a 14.4% increase in population over the past decade. Kennesaw has an important place in railroad history. During the Civil War, Kennesaw was the staging ground for the Great Locomotive Chase on April 12, 1862.
The name “Kennesaw” is derived from the Cherokee word gah-nee-sah, meaning ‘cemetery’ or ‘burial ground’.
As the Western and Atlantic Railroad was being built in the late 1830s, shanty towns arose to house the workers. These were near a big spring. A grade up from the Etowah River became known as “the big grade to the shanties”, then “Big Shanty Grade”, and finally “Big Shanty”.
Camp MacDonald, a training camp, was located there from 1861 to 1863.
During the Civil War, Big Shanty was the site of major fighting in the Battle of Kennesaw Mountain, part of the larger Atlanta Campaign. Kennesaw Mountain National Battlefield Park, located southeast of the city limits, now contains many of these historic areas. Much of the surrounding land has been developed, and many of the buried artifacts have been searched for and taken by people with metal detectors. Some artifacts of the Civil War are still on display in the visitor center of Kennesaw Mountain.
L.C. Chalker purchased a 1.25-acre (0.51 ha) tract of land adjacent to the Kennesaw Cemetery from J.W. Ellis in 1934, which was sold for burial purposes. Chalker purchased another 1 acre (0.40 ha) adjacent to the first parcel in 1948, which was also to be used for a cemetery. The Chalker family managed these portions of the cemetery until they were sold to the City of Kennesaw in the mid-1950s. The earliest known burial is the infant Lucius B. Summers, who was interred in 1863. Other grave markers date as far back as the 1860s to the 1890s. Civil War veterans are buried here. The Kennesaw Cemetery is still in use.
In March 2004, First Lady Laura Bush designated Kennesaw a Preserve America Community.
Kennesaw is located in northwestern Cobb County, bordered by the city of Acworth to the northwest. Kennesaw Mountain is located southeast of the city limits in the battlefield park. Its summit is the highest point in the Atlanta metro area, at an elevation of 1,808 feet (551 m) above sea level. The city was renamed for the mountain.
U.S. Route 41 and State Route 3 pass through the city as Cobb Parkway, leading southeast 7 miles (11 km) to Marietta and northwest 17 miles (27 km) to Cartersville. Interstate 75 passes just northeast of the city limits, with access from exits 269, 271, and 273. Via I-75, downtown Atlanta is 27 miles (43 km) to the southeast, and Chattanooga, Tennessee, is 94 miles (151 km) northwest.
The iconic peaks of Kennesaw Mountain are visible from the bridge over Interstate 75 that crosses over the city limits of Kennesaw.
According to the United States Census Bureau, Kennesaw has a total area of 9.5 square miles (24.7 km), of which 9.4 square miles (24.4 km) is land and 0.12 square miles (0.3 km), or 1.08%, is water.
Kennesaw has a humid subtropical climate (Köppen climate classification Cfa). On November 22, 1992, an F-4 tornado caused 34 injuries.
As of the 2020 United States census, there were 33,036 people, 12,803 households, and 8,250 families residing in the city.
As of the census of 2010, there were 29,783 people, 11,413 households, and 7,375 families residing in the city. There were 12,328 housing units at an average density of 1,027.3 per square mile (396.6/km). The racial makeup of the city was 58.9% White, 22.3% Black, 10.8% Hispanic or Latino of any race, 5.3% Asian, 0.4% Native American, 0.02% Pacific Islander (U.S. Census), 4.7% of other races, and 3.0% non-Hispanic mixed of two or more races.
There were 11,413 households, out of which 38.1% had children under the age of 18 living with them, 45.0% were married couples living together, 15.2% had a female householder with no husband present, and 35.4% were non-families. 26.8% of all households were made up of individuals, and 6.4% had someone living alone who was 65 years of age or older. The average household size was 2.59 and the average family size was 3.18.
In the city, the population was spread out, with 27.0% under the age of 18, 10.6% from 18 to 24, 33.2% from 25 to 44, 21.8% from 45 to 64, and 7.3% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 95.6 males. For every 100 females age 18 and over, there were 89.7 males.
The median income for a household in the city was $61,355 and the median income for a family was $75,465. Males had a median income of $46,953, versus $42,809 for females. The per capita income for the city was $27,165. About 8.2% of families and 11.1% of the population were below the poverty line, including 13.1% of those under age 18 and 13.3% of those age 65 or over.
Several festivals are held annually. Every April the annual Big Shanty Festival displays over 200 arts and crafts booths along with 20 food booths downtown featuring several local businesses and entrepreneurs. Over 60,000 people from around North Georgia attend the festival. The festival begins with a parade through downtown.
The city hall is located downtown, just off Main Street (old U.S. 41 and State Route 3, later State Route 293). It contains the offices of mayor and city council, a basement jail, a municipal 9-1-1 call center and other offices. It is the public-safety answering point for the city of Kennesaw and the neighboring city of Acworth, and dispatches the separate police departments of both cities. Calls for fire services are relayed to and dispatched from Cobb County’s 911 center, and serviced by the Cobb County Fire Department, as neither city has its own fire department.
In 2008, the city of Kennesaw awarded a bid to Digitel Wireless for the implementation of city wireless Internet. In March 2008, the city of Kennesaw announced the grand opening of four new wireless areas: Swift-Cantrell Park and Adams Park, and the train depot area across from the Southern Museum of Civil War and Locomotive History. The city has also provided Wi-Fi in the Ben Robertson Community Center.
In 2001, violent crime rates were about 60% below national and state rates. Property crime rates were from 46–56% below national and state rates. From 1999 to 2011, Kennesaw crime statistics reported that both property and violent crimes had decreased, though from 2003 to 2008 the trend in both violent and property crime rates slightly increased. The increase in crime rate overall is attributed to the population growth rate of 37.41%. The population growth rate is much higher than the state average rate of 18.34% and is much higher than the national average rate of 9.71%.
The Cobb County Public Library System operates a Kennesaw branch library. The Cobb County Police Department serves unincorporated areas, including the Town Center Area Community Improvement District and Kennesaw State University (in addition to KSU’s own police).
Kennesaw is noted for its unique firearms legislation, passed in response to a handgun ban in Morton Grove, Illinois. In 1982 the city passed an ordinance [Sec 34-21]:
A similar law was passed in 2000 in the city of Virgin, Utah, making it the second city in the United States to require residents to own guns. Nelson, Nucla, Colorado, and Gun Barrel City, Texas also followed suit.
Public schools are operated by the Cobb County School District.
Elementary schools include Big Shanty Intermediate., Bullard, Chalker, Hayes, Kennesaw, and Lewis.
Middle schools include Awtrey, Lost Mountain, McClure, Palmer, and Pine Mountain.
High schools include Harrison High School, Kennesaw Mountain, North Cobb, and Kennesaw Charter Science & Math Academy.
Private schools include Sunbrook Academy at Legacy Park, Sunbrook Academy at Stilesboro, and Mount Paran Christian School.
Kennesaw State University is located within the city and is part of the University System of Georgia.
In 2016, the Atlanta Blaze of Major League Lacrosse spent their first year of play as an expansion franchise with home games at Fifth Third Bank Stadium on the campus of Kennesaw State University. The team relocated in 2019.
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.
