Insurance Requirements for Owner Operators Lawrenceville, Georgia
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Lawrenceville, 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 Lawrenceville, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Lawrenceville, 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.
Lawrenceville is a city in and the county seat of Gwinnett County, Georgia, United States. It is a suburb of Atlanta, located approximately 30 miles (50 km) northeast of downtown. As of the 2020 census, the population of Lawrenceville was 30,629. In 2019, the U.S. Census Bureau estimated the city population to be 30,834.
Lawrenceville was incorporated by an act of the Georgia General Assembly on December 15, 1821. This makes Lawrenceville the second oldest city in the metropolitan Atlanta area. The city is named after Commodore James Lawrence, commander of the frigate Chesapeake during the War of 1812. Lawrence, a native of New Jersey, is probably best known today for his dying command, “Don’t give up the ship!” William Maltbie, the town’s first postmaster, suggested the name of “Lawrenceville.”
In 1821, a permanent site for the county courthouse was selected and purchased, the four streets bordering the square were laid out along with other streets in the village, and a public well was dug. Major Grace built the first permanent courthouse, a brick structure, in 1823–24 for a cost of $4,000. The courthouse presently on the square was constructed in 1885.
During the Civil War, Gwinnett County voted against secession. The county seat of Lawrenceville sent three delegates who unanimously voted against it. This was due to a low slave population with a ratio of 4 whites to 1 slave. Lawrenceville helped contribute to the Confederate war effort. The Lawrenceville Manufacturing Company, a cotton mill built in the 1850s, produced completed textile products such as uniforms. Although Lawrenceville would see no battles throughout the war, the city would be targeted by General Sherman’s famous March to the Sea, falling to frequent raids. The Lawrenceville Manufacturing Company would be burned down by Union soldiers, causing a serious blow to the city’s commercial sector. By the end of the war, half of the wealth of Lawrenceville was lost by the Civil War.
Courtland Winn served two terms as mayor starting in 1884 when he was 21 years old.
The two most famous people born in Lawrenceville gained their fame elsewhere. Charles Henry Smith, born in 1826, left as a young man and lived most of his life in other Georgia towns. During the Civil War he wrote humorous pieces for Atlanta newspapers under the name Bill Arp. He has been described as the South’s most popular writer of the late 19th century, though he is not much read today. Ezzard Charles, born in 1921, grew up in Cincinnati, where opportunities for African-Americans were far better at the time than in the Deep South. He eventually became the World Heavyweight boxing champion by defeating Joe Louis by unanimous decision on September 27, 1950.
Lawrenceville was one of many venues in the nation where Hustler magazine publisher Larry Flynt faced obscenity charges in the late 1970s. On March 6, 1978, during a lunch break in his Lawrenceville trial, he and his local attorney Gene Reeves were shot by a sniper near the courthouse. Both survived, though Flynt was seriously disabled. Years later, imprisoned serial killer Joseph Paul Franklin claimed to have been the shooter, but he never produced any proof and was not charged in the case. (Franklin was executed in 2013 in Missouri for a 1977 sniper slaying.) A heavily fictionalized treatment of the Flynt shooting can be seen in the 1996 movie The People vs. Larry Flynt.
Since 1988, Lawrenceville has been the headquarters of the Presbyterian Church in America.
Lawrenceville is located in central Gwinnett County. According to the United States Census Bureau, the city has a total area of 13.5 square miles (35.0 km), of which 13.4 square miles (34.7 km) is land and 0.1 square miles (0.3 km), or 0.83%, is water.
Nearby cities are Dacula to the east, Buford to the north, Suwanee to the north-northwest, Duluth to the northwest, Norcross to the west, Lilburn to the southwest, Snellville to the south, and Grayson to the southeast.
Lawrenceville has a humid subtropical climate (Köppen climate classification Cfa).
As of the 2020 United States census, there were 30,629 people, 10,524 households, and 7,071 families residing in the city.
As of 2010 Census, Lawrenceville had a population of 28,546. The median age was 32.4. The racial composition of the population was 48.0% white, 32.0% black or African American, 0.6% Native American, 1.1% Asian Indian, 4.7% other Asian, 10.3% from some other race, and 3.4% from two or more races. 22.3% of the population was Hispanic or Latino of any race.
In the city, the population was spread out, with 26.4% under the age of 18, 11.0% from 18 to 24, 35.3% from 25 to 44, 18.2% from 45 to 64, and 9.1% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 105.1 males. For every 100 females age 18 and over, there were 103.9 males.
The median income for a household in the city was $32,779, and the median income for a family was $38,557. Males had a median income of $27,263 versus $24,903 for females. The per capita income for the city was $18,649. About 28.7% of families and 40.5% of the population were below the poverty line, including 16.0% of those under age 18 and 11.9% of those age 65 or over.
Atlanta Biologicals is located in Lawrenceville.
Peach State Federal Credit Union headquartered in Lawrenceville serves 39,800 members across Barrow, Clarke, DeKalb, Forsyth, Gwinnett, Jackson, Oconee and Walton Counties.
The Old Seminary Building and Gwinnett County Courthouse in Lawrenceville are listed on the National Register of Historic Places.
The Aurora Theatre is located in Lawrenceville.
The annual Polish Pierogi Festival occurs in August, and includes food booths, music, and competitions.
Gwinnett County Public Library operates a library in Lawrenceville.
The Triple-A Minor League Baseball Gwinnett Stripers of the International League play at Coolray Field.
Gwinnett County Public Schools operates public schools.
The following is a list of schools with a Lawrenceville mailing address, with its high school cluster in parenthesis.
Within Lawrenceville are two public colleges:
Xpress GA/ RTA Commuter buses and Gwinnett County Transit serve the city.
Gwinnett County Airport is partially located in Lawrenceville.
Northside Hospital Gwinnett is located in Lawrenceville.
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.
