Insurance Requirements for Owner Operators Mount Pleasant, South Carolina
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Mount Pleasant, South Carolina. 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 Mount Pleasant, South Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mount Pleasant, South Carolina 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.
Mount Pleasant is a large suburban town in Charleston County, South Carolina, United States. In the Low Country, it is the fourth largest municipality and largest town in South Carolina, and for several years was one of the state’s fastest-growing areas, doubling in population between 1990 and 2000. The population was 90,801 at the 2020 census.
At the foot of the Arthur Ravenel Bridge is Patriots Point, a naval and maritime museum, home to the World War II aircraft carrier USS Yorktown, which is now a museum ship. The Ravenel Bridge, an eight-lane highway that was completed in 2005, spans the Cooper River and links Mount Pleasant with the city of Charleston.
The site of Mount Pleasant was originally occupied by the Sewee people, an Algonquian language-speaking tribe. The first European settlers arrived from England on July 6, 1680, under the leadership of Captain Florentia O’Sullivan. Captain O’Sullivan had been granted 2,340 acres (950 ha), which included not only the island later named for him, but also the future site of Mount Pleasant. On the earliest map of the time, this area was called “North Point”.
In 1696, 51 new settlers arrived. Each family was allotted several hundred acres in the area that became known as Christ Church parish. In 1706 the Province of Carolina withstood several attacks by the Spanish and the French from their settlements to the south and were victorious in defeating French invaders in an area known as “Abcaw”.
The area of “Abcaw” was Hobcaw Plantation, located between Shem Creek and the Wando River. Later, it was also known as Shipyard Plantation. Its access to deep water and abundance of good timber made it ideal for the development of a prosperous shipbuilding enterprise. Lands adjacent to Hobcaw Point were owned at different times by several different English families, many of which maintained ferries which served Mount Pleasant. By 1721, 107 families were living in Christ Church parish, including 400 whites and 637 enslaved Africans or African Americans. As the area was developed for large plantations, enslaved Africans and African Americans made up the chief labor force of the slave society. Based on this history, the majority of the population in the town was African American through the 19th and early 20th centuries.
In 1754, Charles Pinckney acquired a 715-acre plantation, cultivating the commodity crops of rice and indigo. It became known as Snee Farm near here. His son Charles retained the plantation until 1817. It was operated as a plantation through the 19th century.
On September 24, 1860, a public meeting was held in Mount Pleasant; it resulted in the first secession resolution passed in the state. The secession convention met in Charleston on December 20, 1860. With the advent of the Civil War, Battery Guerry and an adjacent floating battery between Mount Pleasant and Sullivan’s Island were instrumental in defense of the city. They were also bases for attacks on Fort Sumter. The city was defended by a line of fortifications from Elliot’s Creek at Boone Hall to Copahee Sound. Mount Pleasant was the secret training ground for the nine-man crew of the Confederate submarine H. L. Hunley. This small vessel was launched from Breach Inlet in 1864 to attack and sink the USS Housatonic.
The original plank-and-barrel footbridge, later known as the Pitt Street Bridge at the foot of the Old Village area in Mount Pleasant, was used by the crew of the H.L. Hunley to cross to Breach Inlet to test the submarine. In 1899 the original wooden plank bridge was replaced by a trolley bridge.
A generation later, in 1929 a steel drawbridge was built for vehicle access between Sullivan’s Island and Mount Pleasant. The Pitt Street bridge was dismantled in 1945, but the remains are visible in the Intracoastal Waterway. The area has been maintained since then as the Pickett Bridge Recreation Area. It was named for Charleston doctor Otis Pickett.
The “Old Village” is Mount Pleasant’s oldest neighborhood; the oldest home, 111 Hibben Street (the Hibben House) was constructed in 1755 by Jacob Motte, a descendant of French Huguenots who had immigrated to South Carolina to escape religious persecution.
In the early 21st century, the Old Village is centered on the Pitt Street Shops at the northwestern end of the street. Among them is the Pitt Street Pharmacy, which was featured on the Food Network. It has operated at this location for more than 60 years.
The numerous slaves were freed during and after the Civil War. In 1875 African Americans made up 73% of the population in Charleston County.
Some of the freedmen developed Scanlonville, one of the first African-American communities to be formed after the Civil War in the Charleston area. Today it is a neighborhood within Mount Pleasant, having been annexed by the city. Robert Scanlon, a freedman carpenter, purchased the 614-acre (248 ha) property known as Remley’s Plantation, bordering Charleston harbor along the Wando River in Mount Pleasant. Scanlon was the president and founder of the Charleston Land Company, formed by 100 local freedmen who pooled their limited resources and paid $10 per share, in order to purchase large tracts of land in the area. The Charleston Land Company divided this tract into smaller lots so that freedmen could have their own land. Remley’s Plantation was divided into farm lots and city lots (which were smaller) to form the community of Scanlonville. The Charleston Land Company and Scanlonville are one of four known cooperative real estate development ventures among African-American freedmen after the Civil War. Remley Point Cemetery is in Scanlonville.
West of Scanlonville is Riverside. During the Jim Crow years of much of the 20th century, this was known as the largest and oldest of five “black beaches” in Charleston County. It was established when public facilities were segregated under state law. Riverside officially opened in 1930 and featured a dance pavilion, athletics field, bathhouse, playground, and a boardwalk along the Wando River. Riverside Pavilion was the only venue where black city residents could see African-American musical legends such as Duke Ellington, Count Basie, Louis Armstrong, B.B. King, and Ivory Joe Hunter, who also performed in whites-only venues. Music performances at the Pavilion spawned juke joints, or night clubs, in Scanlonville and eventually a hotel called White’s Paradise. James Brown was known to have frequented this hotel.
After the original park owner died in 1975, operations of the Riverside property were taken over by Charleston County. It eventually sold the property to a real estate company, which developed this area as a private gated community. Public access to the waterfront ended.
On September 21, 1989, Mount Pleasant was hit by Hurricane Hugo, a Category Four hurricane. While the town was spared from the worst of the storm (Category 4 conditions were suffered by areas further north of the city), the town and its neighboring barrier islands still had severe damage. Children who lived through the storm were featured in an early episode of Nickelodeon’s Nick News, along with children who lived through Hurricane Andrew.
Development continued. A year after the storm, more people moved to the area, and the town had its largest growth spurt. It increased from a population of roughly 23,000 in 1990 to one of roughly 47,000 in 2000.
The county seat for Berkeley County was located in Mount Pleasant from 1882 until 1895, when it was moved to Moncks Corner.
In 1928, a bridge from the Charleston Peninsula to Mount Pleasant was built. Spanning Town Creek and the Cooper River, and crossing the uninhabited Drum Island, the two-lane Grace Memorial Bridge was opened as a toll bridge. A second and larger bridge, the Silas N. Pearman Bridge, opened in 1966.
On July 16, 2005, the eight-lane Arthur Ravenel Bridge opened for automotive traffic, replacing the two aging bridges. It is one of the longest cable-stayed bridges in the Western Hemisphere. A week before the new bridge officially opened, pedestrians were allowed to cross the bridge, and commemorative coins were distributed. Also, a fireworks display was part of the ceremonies before the official opening. Several cars from the same time period as the Grace Memorial Bridge, including several restored Model A Fords, made a final crossing of the old bridges. The remaining portions of the old bridges were demolished. Local residents watched as the bridges were demolished by explosives over several weeks, through the summer of 2006.
In 2004, Mount Pleasant became one of the first municipalities in the United States to pass a “pay-before-you-pump” gas ordinance. It was intended to reduce stealing of gas that had accompanied rising prices.
The Auld Mound, Buzzard’s Island Site, Christ Church, Cook’s Old Field Cemetery, Long Point Plantation (38CH321), Lucas Family Cemetery, Mount Pleasant Historic District, Oakland Plantation House, Old Berkeley County Courthouse, Paul Pritchard Shipyard, Remley Point Cemetery, Slave Street, Smokehouse, and Allee, Boone Hall Plantation, Charles Pinckney National Historic Site, USS Clamagore (SS-343), USS Laffey (DD-724), and USS Yorktown (CV-10) are listed on the National Register of Historic Places.
Mount Pleasant is located in central Charleston County at 32°49′23″N 79°50′44″W / 32.82306°N 79.84556°W (32.823189, -79.845477), on the east side of Charleston Harbor and the tidal Wando River. It is bordered to the south by the city of Sullivan’s Island and to the west and northwest, across the harbor and river, by the city of Charleston. Over time, the town limits have pushed northeastward from the Old Village area 24 miles (39 km) along U.S. Route 17, nearly as far as Awendaw.
Mount Pleasant is separated from Charleston by the Cooper River. For many years, the town was populated largely on a seasonal basis by Charleston residents wealthy enough to afford summer homes across the river from the Charleston peninsula, where they would go believing they could escape the regular summer “fevers”. The population of Mount Pleasant was centered in “Old Village”.
According to the United States Census Bureau, the town has a total area of 52.6 square miles (136.2 km), of which 45.1 square miles (116.8 km) is land and 7.5 square miles (19.5 km), or 14.30%, is water.
The town of Mount Pleasant is served by the Charleston International Airport. It is located in the City of North Charleston and is about 12 miles (19 km) northwest of Mount Pleasant. It is the busiest passenger airport in South Carolina (IATA: CHS, ICAO: KCHS). The airport shares runways with the adjacent Charleston Air Force Base. Mount Pleasant Regional Airport also known as “Faison Field” and LRO, is a public airport located within the town limits 9 miles (14 km) northeast of the central business district of Mount Pleasant. Both airports are owned and operated by the Charleston County Aviation Authority.
As of the 2020 United States census, there were 90,801 people, 36,111 households, and 24,203 families residing in the town.
As of the census of 2010, there were 67,843 people, 19,025 households, and 12,860 families residing in the city. The population density was 1,136.5 inhabitants per square mile (438.8/km). There were 20,197 housing units at an average density of 482.1 per square mile (186.1/km). The racial makeup of the city was 90.17% White, 7.25% African American, 0.17% Native American, 1.18% Asian, 0.02% Pacific Islander, 0.39% from other races, and 0.82% from two or more races. Hispanic or Latino of any race were 1.33% of the population.
There were 19,025 households, out of which 33.9% had children under the age of 18 living with them, 56.9% were married couples living together, 8.3% had a female householder with no husband present, and 32.4% were non-families. 24.1% of all households were made up of individuals, and 6.0% had someone living alone who was 65 years of age or older. The average household size was 2.47 and the average family size was 2.99.
In the town, the age distribution of the population shows 25.1% under the age of 18, 6.5% from 18 to 24, 35.3% from 25 to 44, 22.8% from 45 to 64, and 10.3% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 92.0 males. For every 100 adult females, there were 88.3 adult males.
The median income for a household in the town was $61,054, and the median income for a family was $71,165. Males had a median income of $50,673 versus $31,640 for females. The per capita income for the city was $30,823. About 3.2% of families and 5.0% of the population were below the poverty line, including 5.3% of those under age 18 and 6.6% of those age 65 or over.
These TV stations have studios in and broadcast from Mount Pleasant:
The Town of Mt. Pleasant is run by an elected mayor–council government. As of August 2021, the town council is composed of the mayor (Will Haynie) and eight at-large council members (Howard R. Chapman, P.E., Brenda Corley, Laura Hyatt, Kathy Landing, Tom O’Rouke, Jake Rambo, Gary Santos, and Guang Ming Whitley). The appointed town administrator is Eric DeMoura.
The Mount Pleasant Fire Department has provided fire suppression and emergency services since 1837, initially as a volunteer agency, and today as a full-time fire department. Today, the fire department has 118 paid personnel augmented by 15 volunteers. It is internationally accredited by the Commission on Fire Accreditation International (CFAI). The Mt. Pleasant Fire Department was originally accredited in 2001 becoming the first accredited fire department in the state of South Carolina. Firefighters work twenty-four-hour rotating shifts. The corporate area and its surroundings are served by seven strategically located fire stations. The fire department administrative office is located within the City Municipal Complex. Mount Pleasant fire stations are staffed daily by 33 personnel. In 2007, under the supervision of Chief Herb Williams and Captain Robert Wronski, the Mount Pleasant Fire Department established a “Paramedic Engine” program, in which firefighters trained as Paramedics will carry the same equipment on the fire engines as in the ambulances. Currently, all engines in Mt Pleasant are now operating as “Paramedic Engines”. This means in the event Charleston County EMS is delayed, the Mount Pleasant Fire Department will be able to provide life-saving procedures until the ambulance arrives.
The Mount Pleasant Police Department, a 2006 CALEA Flagship Award recipient, employs 132 sworn officers and 43 civilian personnel, serving the entire municipal population. The police department, which is a nationally accredited agency, sanctioned by the Commission on Accreditation for Law Enforcement Agencies, has adopted the problem-oriented policing philosophy of service delivery, which requires officers to work together with citizens to identify community problems, determine the underlying cause, and develop solutions which address these causes in order to resolve the problem. Led by Chief Carl Ritchie, the police response time to the majority of the calls for service beats the national average. Encompassing 52 square miles (135 km), the department has split the town into eight patrol neighborhoods. Each patrol neighborhood is assigned to a specific officer on each shift.
Mount Pleasant’s public schools are part of the Charleston County School District.
Both Laing Middle School and Moultrie Middle School served as the town’s high schools before Wando High School was built in 1973.
The Charleston County Park and Recreation Commission (CCPRC) operates numerous facilities within Charleston County. The following are in Mount Pleasant.
Mount Pleasant is growing in commercial retail stores, boutiques, including:
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.