Insurance Requirements for Owner Operators Kingsport, Tennessee
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Kingsport, 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 Kingsport, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Kingsport, 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.
Kingsport is a city in Sullivan and Hawkins counties in the U.S. state of Tennessee. As of the 2020 census, its population was 55,442. Lying along the Holston River, Kingsport is commonly included in what is known as the Mountain Empire, which spans a portion of southwest Virginia and the mountainous counties in northeastern Tennessee. It is the largest city in the Kingsport–Bristol metropolitan area, which had a population of 307,614 in 2020. The metro area is a component of the larger Tri-Cities region of Tennessee and Virginia, with a population of 508,260 in 2020.
The name “Kingsport” is a simplification of “King’s Port”, originally referring to the area on the Holston River known as King’s Boat Yard, the head of navigation for the Tennessee Valley.
Kingsport was developed after the Revolutionary War, at the confluence of the North and South Forks of the Holston River. In 1787 it was known as “Salt Lick” for an ancient mineral lick. It was first settled along the banks of the South Fork, about a mile from the confluence. The Long Island of the Holston River is near the confluence, which is mostly within the present-day corporate boundaries of Kingsport. The island was an important site for the Cherokee, colonial pioneers and early settlers, and specifically mentioned in the 1770 Treaty of Lochaber.
Early settlements at the site were used as a staging ground for other pioneers who were traveling overland on the Wilderness Road leading to Kentucky through the Cumberland Gap. First chartered in 1822, Kingsport became an important shipping port on the Holston River. Goods originating for many miles around from the surrounding countryside were loaded onto barges for the journey downriver to the Tennessee River at Knoxville.
In the Battle of Kingsport (December 13, 1864) during the Civil War, a force of 300 Confederates under Colonel Richard Morgan stopped a larger Union force for nearly two days. An army of over 5,500 troops under command of Major General George Stoneman had left Knoxville to raid Confederate targets in Virginia: the salt works at Saltville, the lead works at Wytheville, and the iron works in Marion. While Col. Morgan’s small band held off a main Union force under Major General Cullem Gillem on the opposite side the Holston River, Union Col. Samuel Patton took a force of cavalry to a ford in the river 2.5 miles (4.0 km) north and came down behind the Confederates. Out-numbered, out-flanked, and demoralised by the bitter winter weather, Col. Morgan surrendered. The Confederates suffered 18 dead, and 84 prisoners of war were sent to a Union prison in Knoxville.
The city lost its charter after a downturn in its fortunes precipitated by the Civil War.
On September 12, 1916, Kingsport residents demanded the death of circus elephant Mary (an Asian elephant that performed in the Sparks World-famous Shows Circus). She had killed city hotel worker Walter Eldridge, who was hired by the circus the day before as an assistant elephant trainer. Eldridge was attacked and killed by the elephant while he was leading her to a pond. The elephant was impounded by the local sheriff. Leaders of several nearby towns threatened to prevent the circus from performing if it included the elephant. The circus owner, Charlie Sparks, reluctantly decided that the only way to quickly resolve the situation was to hold a public execution. On the following day, she was transported by rail to Erwin, Tennessee, where a crowd of over 2,500 people assembled in the Clinchfield Railroad yard to watch her hang from a railroad crane.
Re-chartered in 1917, Kingsport was an early example of a “garden city”. Part of it was designed by city planner and landscape architect John Nolen of Cambridge, Massachusetts. It was nicknamed as the “Model City” from this plan, which organized the town into areas for commerce, churches, housing and industry. Most of the land on the river was devoted to industry. Most of the Long Island is now occupied by Eastman Chemical Company, which is headquartered in Kingsport. As part of this plan, Kingsport built some of the earliest traffic circles (roundabouts) in the United States.
Into the 1950s, two important public works projects were constructed: the Boone Dam and the Fort Patrick Henry Dam, hydroelectric dams built along the South Fork Holston River. Kingsport was among the first municipalities to adopt a city manager form of government, to professionalize operations of city departments. It developed its school system based on a model promoted by Columbia University. Pal’s Sudden Service, a regional fast-food restaurant chain, opened its first location in 1956 and is headquartered in Kingsport. In 2001, Pal’s Sudden Service, won the Malcolm Baldrige National Quality Award, becoming the first restaurant company to receive the award.
Kingsport is located in western Sullivan County at 36°32′N 82°33′W / 36.533°N 82.550°W (36.5369, −82.5421), at the intersection of U.S. Routes 11W and 23. Kingsport is the northwest terminus of Interstate 26. US 11W leads east 22 miles (35 km) to Bristol and southwest 28 miles (45 km) to Rogersville, while US 23 leads north 38 miles (61 km) to Big Stone Gap, Virginia. I-26 and US 23 lead south 8 miles (13 km) to Interstate 81 and 83 miles (134 km) to Asheville, North Carolina.
The city is bordered to the west by the town of Mount Carmel, to the southeast by unincorporated Colonial Heights, and to the northeast by unincorporated Bloomingdale. The Kingsport city limits extend west into Hawkins County and north to the Virginia border.
According to the United States Census Bureau, the city has a total area of 50.8 square miles (131.5 km), of which 49.8 square miles (129.0 km) are land and 0.93 square miles (2.4 km), or 1.86%, are water. Most of the water area is in the South Fork Holston River.
There are several neighborhoods located within or just outside of Kingsport, offering different lifestyles:
As of the 2020 United States census, there were 55,442 people, 23,640 households, and 14,273 families residing in the city.
As of the census of 2000, there were 44,905 people, 19,662 households and 12,642 families residing in the city. The population density was 1,018.9 inhabitants per square mile (393.4/km). There were 21,796 housing units at an average density of 494.6 per square mile (191.0/km). The racial makeup of the city was 93.32% White, 4.07% African American, 0.79% Asian, 0.24% American Indian/Alaska Native, 0.02% Native Hawaiian/Pacific Islander, 0.34% some other race, and 1.06% two or more races. Hispanic or Latino of any race were 1.05% of the population.
There were 19,662 households, of which 26.5% had children under the age of 18 living with them, 48.5% were married couples living together, 12.7% had a female householder with no husband present, and 35.7% were non-families. 32.5% of all households were made up of individuals, and 14.7% had someone living alone who was 65 years of age or older. The average household size was 2.22, and the average family size was 2.80.
In the city, the population was spread out, with 21.7% under the age of 18, 6.5% from 18 to 24, 26.2% from 25 to 44, 25.3% from 45 to 64, and 20.3% who were 65 years of age or older. The median age was 42 years. For every 100 females, there were 84.1 males. For every 100 females age 18 and over, there were 79.4 males.
The median income for a household in the city was $30,524, and the median income for a family was $40,183. Males had a median income of $33,075 versus $23,217 for females. The per capita income for the city was $20,549. About 14.2% of families and 17.1% of the population were below the poverty line, including 24.9% of those under age 18 and 13.0% of those age 65 or over.
Kingsport uses the council-manager system, which was established in 1917 when the city was re-chartered. Kingsport is governed locally by a seven-member Board of Mayor and Aldermen. The citizens elect the mayor to a two-year term and the six aldermen to four-year terms. The elections take place in odd-numbered years, with the mayor and three aldermen elected every two years. New terms begin on July 1. The board elects a vice mayor from among the six aldermen. The council or board then hires a professional city manager.
In late 2021, or early 2022, the board decided to move the election to coincide with the primary elections in Tennessee in August of every even-numbered year. This changes the Mayoral and Alderman election from May 2023 to August of 2024.
In May of 2021, incumbent Mayor Patrick Shull fought off three challengers, but won with 63.8% of the vote.
Aldermen Collette George (who also serves as a county commissioner for Sullivan County) and Betsy M Cooper ran for re-election to another 4 year term and won. Alderman Jennifer Adler decided not to run for re-election. Political newcomer Paul Montgomery won the most votes in race beating out Bob Harshbarger (son of Congresswoman Diana Harshbarger), Joe Carr (who ran for Mayor in 2019, and was later elected to the Sullivan County Commission), Sara Buchanan, Wesley Combs, Gerald Sensabaugh (the former Safety for the Dallas Cowboys), and J.S. Moore.
The Sullivan County portion of Kingsport is represented in the Tennessee House of Representatives by the 1st and 2nd State Representative districts and the Hawkins County portion by the 6th district. Currently serving in these positions are Representatives John Crawford, Bud Hulsey, and Scotty Campbell respectively. In the Tennessee State Senate, the Sullivan County portion of Kingsport is represented by the 4th Senatorial District and the Hawkins County portion by the 8th district. State Senator Jon Lundberg and State Senator Frank Niceley currently serve in these positions. All of these elected officials are members of the Republican Party.
Kingsport is represented in the United States House of Representatives by Republican Diana Harshbarger of the 1st congressional district.
Eastman Chemical Company has its world headquarters in Kingsport. Domtar operates a paper mill in Kingsport. Domtar has temporarily shut this plant down from uncoated freesheet paper manufacturing and plans to convert the plant by 2023 to be able to create containerboard. Holston Army Ammunition Plant operated by BAE Systems’ Ordnance Systems, Inc. manufactures a wide range of secondary detonating explosives for the Department of Defense.
In 2019, Kingsport’s gross metropolitan product was reported to be US$14.1 billion.
While no college or university has its main campus within the city, these institutions have branch campuses in Kingsport:
King, Lincoln Memorial, Milligan and Northeast State are all located in the Kingsport Academic Village complex in downtown Kingsport. East Tennessee State offers general education courses in the Hawkins County (westernmost) portion of the city, with more advanced courses at the Academic Village.
Residents of Kingsport are served by the Kingsport City Schools public school system. It operates eight elementary schools, two middle schools, and one high school. In addition, Kingsport has eight private academies, most with religious affiliation.
Douglass High School in Kingsport was one of the largest African American high schools in the region when it closed for desegregation in 1966. The school’s former building on East Walnut Avenue (now East Sevier Avenue) was a historic Rosenwald School, built in 1929–30 with a combination of funds from the city, private citizens and the Rosenwald Fund. Although during the years of segregation the Douglass Tigers football team was not allowed to play white teams, the Tigers won a Tennessee state football championship a state basketball championship in 1946, and a state basketball championship in 1948. The present building, built in 1951 at 301 Louis Street, is now the V.O. Dobbins Sr. Complex, named for Douglass’ former principal.
Kingsport is the location of two hospitals, both operated by Ballad Health:
Kingsport Police Department is the municipal law enforcement agency for the City of Kingsport.
As of 2021, the KPD consisted of 120 sworn officer positions, plus about 40 full-time support staff, including records, jail, maintenance and dispatch.
KPD has numerous specialized divisions to address the needs of the city, including Criminal Investigations, VICE and Narcotics, Traffic, Search and Rescue, Bomb Squad, and SWAT.
Kingsport shares a television market with Johnson City and Bristol, VA. WCYB-TV (NBC; THE CW on DT2) in Bristol, WEMT-TV (FOX) in Greeneville, WETP-TV (PBS) in Sneedville and WJHL-TV (CBS; ABC on DT2 aka ABC Tri-Cities) in Johnson City.
The city is home to the Kingsport Axmen, a collegiate summer baseball team of the Appalachian League. The nickname is in reference to frontiersman Daniel Boone, who began the Wilderness Road in Kingsport. The Axmen play their home games at Hunter Wright Stadium, which is named after former mayor Hunter Wright.
Professional baseball was first played in Kingsport, by the Kingsport Indians in the Appalachian League from 1921 to 1925. The team went dormant for 12 years before it returned to the circuit as the Kingsport Cherokees from 1938 to 1955—with the exception of the 1942 season as the Kingsport Dodgers and as members of the Mountain States League in 1953 and 1954. The club was later known as the Kingsport Orioles (1957), Kingsport Pirates (1960–1963), Kingsport Royals (1969–1973), and Kingsport Braves (1974–1979). The Kingsport Mets were members of the Appy League from 1980 to 2020, except for the 1983 season when the New York Mets temporarily relocated the team to Sarasota, Florida, as the Gulf Coast League Mets, while their home ballpark was being renovated. In conjunction with a contraction of Minor League Baseball beginning with the 2021 season, the Appalachian League was reorganized as a collegiate summer baseball league, and the Mets were replaced by the Axmen, a new franchise in the revamped league designed for rising college freshman and sophomores.
The Kingsport Parks and Recreation manages several parks within the city.
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.
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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.