Insurance Requirements for Owner Operators Maryville, Tennessee
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Maryville, 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 Maryville, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Maryville, 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.
Maryville is a city in and the county seat of Blount County, Tennessee, and is a suburb of Knoxville. Its population was 31,907 at the 2020 census.
It is included in the Knoxville Metropolitan Area and is a short distance from popular tourist destinations such as the Great Smoky Mountains National Park, Dollywood, Gatlinburg, and Pigeon Forge.
When the first European explorers arrived in the area, they found the Great Indian Warpath, which ran along the route where the modern US-411 has been built. The trail was long used by the indigenous peoples of the area. A historic Cherokee village known as “Elajay” was situated at the confluence of Ellejoy Creek (named after the village) and the Little River. Its site was near the modern Heritage High School. Ensign Henry Timberlake passed through the village in 1762 while returning from his expedition to the Overhill villages to the west. He reported that it had been abandoned.
In 1785, Revolutionary War veteran John Craig built a wooden palisade enclosing cabins at what is known as Fort Craig (or Craig’s Station) in present-day Maryville. Such stations were built throughout the frontier to defend settlers against attacks from the Cherokee. For example, “on April 11, 1793, when settlers believed Indian attacks were imminent, 280 men, women, and children gathered in small huts at John Craig’s station on Nine Mile Creek.”
Craig donated 50 acres (20 ha) next to his fort for the founding of a new town. Incorporated as a city on July 11, 1795, the settlement was named in honor of Mary Grainger Blount, wife of the territorial governor William Blount. Blount County was named after him.
The family of Sam Houston moved to Maryville from Virginia in 1808, when Houston was 15. His older brothers put him to work as a clerk in a store they established in town, but he ran away. Houston lived for a few years with the Cherokee at Hiwassee Island, on the Hiwassee River, where he became fluent in their language and appreciative of their culture. After his return to Maryville about 1811, Houston started a one-room schoolhouse. He signed up for the army during the War of 1812 and rose rapidly in rank, beginning his military and political career. The schoolhouse still stands just off US-411 near the community of Wildwood.
Maryville was a center of abolitionist activity throughout the early 19th-century; it was generated mostly by the Society of Friends, which had a relatively large presence in Blount County. They were supported by anti-slavery advocates such as Isaac L. Anderson, the founder of Maryville College. When Tennessee voted on the Ordinance of Secession in 1861, only 19 percent of Blount Countians voted in favor of seceding from the Union.
Although staunchly pro-Union throughout the Civil War, Maryville was not liberated by federal troops until May 1864. In August of that year, a Confederate cavalry raid, under the command of General Joseph Wheeler, attacked the courthouse where the Union troops had taken shelter. To try to dislodge the federal soldiers, Confederates set fire to several buildings, including a store where the city’s records were being kept. Polly Tool, an African-American slave, rescued most of the records. She was honored by a statue in the Blount County courthouse. In the Reconstruction Era Maryville became a hub of Radical Republican activity for East Tennessee. Its local Union League provided a lively forum for political discussion, and the Freedmen’s Normal Institute was established on the present-day site of Maryville High School. The city elected William Bennett Scott Sr., the country’s second African-American mayor, in 1869.
Maryville is home to one of 24 Alcoa Care-free Homes built in the United States in 1957-1958.
In the 1970s, after several department stores and other retailers moved from the downtown area to Alcoa’s Midland shopping center, the city spent $10 million on a renewal project called “Now Town”. Traffic was re-routed, facades were placed on old buildings, slums were cleared, and the Bicentennial Greenbelt Park was created. The project failed to attract business back to the downtown locations; instead retailers moved to the new Foothills Mall a few years later. The downtown area remained in decline until the 2000s, when the city agreed to reverse many of the “Now Town” changes.
U.S. Senator Lamar Alexander was born in Maryville in 1940. Alexander served as Governor of Tennessee from 1979–1987 and Secretary of Education (1991–1993) under President George H. W. Bush. He ran unsuccessful campaigns for president in 1996 and 2000, both times announcing his candidacy for the Republican Party from his hometown of Maryville. In 2002, he was elected to the U.S. Senate, succeeding Fred Thompson.
On July 2, 2015, a CSX freight train carrying hazardous materials went off of its tracks. Over 5,000 citizens were displaced from their homes within a two-mile (three kilometer) radius.
Maryville is located in north-central Blount County in the foothills of the Great Smoky Mountains. Chilhowee Mountain, the outermost ridge of the Western Smokies, rises prominently to the south. Chilhowee’s eastern flank— known locally as “The Three Sisters”— is visible from almost anywhere in the city, and dominates the southern horizon along US-321 between Maryville and Walland. Maryville is bordered on the north by Maryville’s twin city, Alcoa. A number of small suburbs— including Wildwood, Ellejoy, and Clover Hill— surround Maryville to the east and west.
According to the United States Census Bureau, the city has a total area of 16.8 square miles (43.5 km), all land.
As of the 2020 United States census, there were 31,907 people, 10,719 households, and 7,132 families residing in the city.
As of the census of 2010, there were 27,465 people, 10,712 households, and 7,028 families. The population density was 1,634.8 inhabitants per square mile (631.2/km). There were 11,679 housing units at an average density of 637.6 per square mile (246.2/km). The racial makeup of the city was 92.0% White, 3.2% Black, 0.3% Native American, 1.55% Asian, 0.03% Pacific Islander, 0.53% from other races, and 1.8% from two or more races. Hispanic or Latino of any race were 3.2% of the population.
There were 10,712 households, out of which 32.0% had children under the age of 18 living with them, 48.6% were married couples living together, 12.8% had a female householder with no husband present, and 34.4% were non-families. 30.4% of all households were made up of individuals, and 29.7% had someone living alone who was 65 years of age or older. The average household size was 2.41 and the average family size was 3.00.
In the city, the population was spread out, with 24.2% under the age of 18, 6.8% from 20 to 24, 24.2% from 25 to 44, 24.4% from 45 to 64, and 17.1% who were 65 years of age or older. The median age was 39.1 years. For every 100 females, there were 88.0 males.
The median income for a household in the city was $46,394, and the median income for a family was $61,227. Males had a median income of $31,478 versus $20,418 for females. The per capita income for the city was $23,579. About 9.0% of families and 10.2% of the population were below the poverty line, including 12.3% of those under age 18 and 3.1% of those age 65 or over.
Average temperatures in July range from 69 degrees low to 87 degrees high. Average temperatures in January range from 29 degrees low to 46 degrees high. Most of the year is very pleasant with mild temperatures.
According to Maryville’s 2020 Comprehensive Annual Financial Report, the top employers in the area were:
Maryville City Schools operates public schools.
Maryville is home to Maryville College, a private four-year liberal arts college. It was founded in 1819 by Presbyterian minister Isaac L. Anderson for the purpose of furthering education and enlightenment and whose mission was to do good on the largest possible scale. The college is one of the fifty oldest colleges in the United States and the twelfth oldest institution in the South. It is associated with the Presbyterian Church (USA). It enrolls about 1,103 students. Maryville College’s mascot is the Scots. The sports teams compete in NCAA Division III athletics in the USA South Athletic Conference and formerly the Great South Athletic Conference.
The East Tennessee Japanese School (イーストテネシー補習授業校 Īsuto Teneshī Hoshū Jugyō Kō), a weekend Japanese education program, holds its classes at Maryville College.
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.