Insurance Requirements for Owner Operators Starkville, Mississippi
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Starkville, Mississippi. 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 Starkville, Mississippi with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Starkville, Mississippi 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.
Starkville is a city in, and the county seat of, Oktibbeha County, Mississippi, United States. Mississippi State University is a land-grant institution and is located partially in Starkville but primarily in an adjacent unincorporated area designated by the United States Census Bureau as Mississippi State, Mississippi. The population was 25,653 in 2019. Starkville is the most populous city of the Golden Triangle region of Mississippi. The Starkville micropolitan statistical area includes all of Oktibbeha County.
The growth and development of Mississippi State in recent decades has made Starkville a marquee American college town. College students and faculty have created a ready audience for several annual art and entertainment events such as the Cotton District Arts Festival, Super Bulldog Weekend, and Bulldog Bash. The Cotton District, North America’s oldest new urbanist community, is an active student quarter and entertainment district located halfway between Downtown Starkville and the Mississippi State University campus.
The Starkville area has been inhabited for over 2,100 years. Artifacts in the form of clay pot fragments and artwork dating from that time period have been found east of Starkville at the Herman Mound and Village site, which is listed on the National Register of Historic Places. The village site can be accessed from the Indian Mound Campground. The earthwork mounds were made by early Native Americans of moundbuilder cultures as part of their religious and political cosmology.
Shortly before the American Revolutionary War period, the area was inhabited by the Choccuma (or Chakchiuma) tribe. They were annihilated about that time by a rare alliance between the Choctaw and Chickasaw peoples.
The modern European-American settlement of the Starkville area was started after the Choctaw inhabitants of Oktibbeha County surrendered their claims to land in the area in the Treaty of Dancing Rabbit Creek in 1830. Most of the Native Americans of the Southeast were forced west of the Mississippi River during the 1830s and Indian Removal.
White settlers were drawn to the Starkville area because of two large springs, which Native Americans had used for thousands of years. A mill on the Big Black River southwest of town produced clapboards, giving the town its original name, Boardtown in 1834. The first court met in 1834 under a large tree. In 1835, when Boardtown was established as the county seat of Oktibbeha County, it was renamed as Starkville in honor of Revolutionary War hero General John Stark. A log courthouse and a one-room jailhouse were constructed in 1835. The jailhouse was unusual in that it had no doors or windows. Prisoners were made to climb a ladder to the roof and then let down through a trap door using a rope.
The first newspaper was founded in 1847. Originally titled The Starkville Whig, it was later renamed The Broad Ax.
In 1865, during reconstruction, the officer in charge of Starkville allowed a black man accused of raping a white girl to be lynched by running him down with hounds.
In 1875 a fire destroyed 52 buildings. The entire business district was destroyed.
A carpetbagger named McLaughlin, who served as the local head of the Freedmen’s Bureau, assisted in the establishment of a black Methodist church and established a cooperative store for blacks in his home. This enraged the white citizens so the Klan attacked the store.
On May 5, 1879, two black men who had been accused of burning a barn, Nevlin Porter and Johnson Spencer, were taken from the jail by a mob of men and hung from crossties of the Mobile and Ohio Railroad.
In 1888, a mob hanged an African-American man, Eli Bryant, for an alleged attack on a white woman.
Several newspapers were founded in this time period, including The Starkville News in 1891. Early banks included The Peoples Bank in 1889 and Security State Bank in 1896.
A yellow fever epidemic in 1898 resulted in a quarantine of Starkville’s railroads by the towns of West Point, Columbus, Artesia and Kosciusko. This resulted in a depletion of medical and other supplies which ultimately resulted in intervention by the state.
Before the Civil War, Colonel Montgomery imported cattle from the isle of Jersey, initiating the areas prominence as a dairy center. In 1912, the co-operative creamery was created, and in 1926 the Borden Condensary was established.
In April 1912, Gabe (sometimes reported as Abe) Coleman, an African-American man was accused of attacking a farmer’s wife and was shot to death by a mob. Nine men were tried for the murder. In February 1912, another African-American man, Mann Hamilton, was murdered by a mob for allegedly attacking a woman. Following an incident in which whites fired into a Republican Meeting at a church in Chapel Hill, Mississippi, killing a black man, a group of black men planned a march in Starkville. They were met at a bridge near the A & M dairy barn by white men from Starkville and West Point armed with cannon loaded with buckshot and iron.
In 1915, two African-American men, Dit Seals and Peter Bolen, were hanged in a public execution while a crowd of 5,000, including blacks and whites, and children watched and sang There is a Land of Pure Delight. The crowd ate lunch while the execution was being conducted. Vendors were on hand selling popcorn, soda water and sandwiches. The men had been convicted of killing Willie Taylor, an African-American porter on the Mobile and Ohio Railroad. The story was widely reported as a “gala hanging” sponsored by the merchants of Starkville by various newspapers including the New York World and Chicago Tribune, while the Detroit Times described it as little better than a lynching.
In 1922, Starkville was the site of a large rally of the Ku Klux Klan.
In 1926 the Borden Condensery was established, the first condensery in the southern U.S. At the time, Starkville was served by two railroads, the Illinois Central and the Mobile and Ohio.
In 1970, several Black organizations organized a boycott or selective buying campaign. This was met with firebombings, and a crowd of African-Americans assembled near Henderson High School was broken up by gunfire.
On March 21, 2006, Starkville became the first city in Mississippi to adopt a smoking ban for indoor public places, including restaurants and bars. This ordinance went into effect on May 20, 2006.
In February 2018, Starkville denied a local LGBTQ organization a permit to host a pride parade. The organizers initiated legal action, after which the city reversed its decision. The parade was held in March 2018 with almost 3,000 attendees.
According to the United States Census Bureau, the city has a total area of 25.8 square miles (66.9 km²), of which 25.7 square miles (66.5 km) is land and 0.2 square miles (0.4 km) (0.58%) is water.
U.S. Route 82 and Mississippi Highways 12 and 25 are major roads through Starkville. US 82 runs east to west across the northern portion of the city as a bypass, leading east 25 mi (40 km) to Columbus and northwest 28 mi (45 km) to Eupora. Route 25 leads south 31 mi (50 km) to Louisville and Route 12 leads southwest 26 mi (42 km) to Ackerman. The nearest airport with scheduled service is Golden Triangle Regional Airport (GTR). George M. Bryan Field (KSTF) serves as Starkville’s general aviation airport. There are multiple privately owned airstrips in the area.
As of the 2020 United States Census, there were 24,360 people, 10,092 households, and 4,895 families residing in the city.
As of the 2010 United States Census, there were 23,888 people, 9,845 households, and 4,800 families residing in the city. The population density was 936.4 inhabitants per square mile (361.5/km). There were 11,767 housing units at an average density of 396.7 per square mile (153.2/km). The racial makeup of the city was 58.5% white, 34.06% African American, 0.2% Native American, 3.75% Asian, 0.1% Pacific Islander, 0.64% from other races, and 1.3% from two or more races. Hispanics or Latinos of any race were 1.8% of the population.
There were 9,845 households, out of which 24.1% had children under the age of 18 living with them, 34.1% were married couples living together, 13.0% had a female householder with no husband present, and 50.1% were non-families. 32.1% of all households were made up of individuals, and 6.3% had someone living alone who was 65 years of age or older. The average household size was 2.35 and the average family size was 2.92.
The age distribution, strongly influenced by the presence of Mississippi State, was 18.8% under 18, 29.7% from 18 to 24, 26.6% from 25 to 44, 15.2% from 45 to 64, and 9.4% who were 65 years of age or older. The median age was 25 years. For every 100 females, there were 102.0 males. For every 100 females age 18 and over, there were 101.5 males.
The median income for a household in the city was $31,357, and the median income for a family was $40,557. Males had a median income of $35,782 versus $23,711 for females. The per capita income for the city was $22,787. About 19.1% of families and 33.6% of the population were below the poverty line, including 29.3% of those under age 18 and 17.8% of those age 65 or over.
Starkville has more than 80 places of worship, which serve most religious traditions. Faculty, staff and students at Mississippi State University, including those from other nations, have greatly increased the city’s diversity. As of October 2007, approximately half (49.74%) of the residents of Starkville claim a religious affiliation; most are Christian. Of those claiming affiliation, 41.59% self-identify as Protestant, including 25% Baptist and 11% Methodist. Lower percentages identify as Catholic, Mormon, Hindu and Muslim.
The Cotton District is a neighborhood located in Starkville that was redeveloped as part of the new urbanism movement. It was founded in 1969 by Dan Camp, who was the developer, owner and property manager of much of the area. The architecture of the Cotton District has historical elements and scale, with Greek Revival mixed with Classical or Victorian. It is a compact, walkable neighborhood that contains many restaurants and bars, in addition to thousands of unique residential units.
The Starkville-Oktibbeha County Public Library System is headquartered at its main branch in Downtown Starkville. In addition to the local public library, the Mississippi State University Library has the largest collection in Mississippi. The Mississippi State Mitchell Memorial Library also hosts the Ulysses S. Grant Presidential Library and the Frank and Virginia Williams Collection of Lincolniana.
Executive and legislative authority in the city of Starkville is respectively vested in a mayor and seven-member board of aldermen concurrently elected to four-year terms. Since 2017 the mayor has been Lynn Spruill, a Democrat and the first female mayor elected in Starkville’s history. Starkville has a strong-mayor government, with the mayor having the power to appoint city officials and veto decisions by the board of aldermen.
Starkville is split between Mississippi House districts 38 and 43, currently represented by Democrat Cheikh Taylor and Republican Rob Roberson. The city is similarly split between Mississippi Senate districts 15 and 16 represented by Republican Bart Williams and Democrat Angela Turner-Ford. Starkville and Oktibbeha County are in the northern districts of the Mississippi Transportation Commission and Public Service Commission, represented by Republican John Caldwell and Democrat Brandon Presley.
Starkville is in Mississippi’s 3rd Congressional District, represented by Congressman Michael Guest.
In 1927, the city and the Rosenwald Foundation opened a pair of schools, the Rosenwald School and the Oktibbeha County Training School, later known as Henderson High School, for its African-American residents. In 1970, integration caused the merger of these schools with the white schools.
Henderson was repurposed as a junior high school, and the Rosenwald School was burned to the ground.
Until 2015, Starkville and much of the surrounding area was served by the Starkville School District (SSD) while Oktibbeha County was served by Oktibbeha County School District (OCSD). The two districts were realigned following integration in 1970 in a way that placed Starkville and majority-white, relatively affluent areas immediately outside of the city limits into SSD while the remaining portions of Oktibbeha County, which are over 90% Black, were placed into OCSD. As a result of this disparity in the racial demographics of the two districts, Oktibbeha County was placed under a Federal desegregation order. Previous attempts to consolidate the two districts during the 1990s and in 2010 had been unsuccessful, but following an act of the Mississippi Legislature the two were consolidated in 2015. Contrary to predictions, the public schools experienced an inflow of students from private schools when the predominantly white Starkville School district merged with the predominantly black Oktibbeha schools.
The schools continue to operate under a Federal desegregation order.
The following schools of the Starkville Oktibbeha Consolidated School District are located in Starkville:
In 2015 it was announced that SOCSD and Mississippi State University would cooperate in establishing a partnership school. The school will be for all grade 6 and 7 students in Oktibbeha County and will be located on the Mississippi State University campus. The school will serve as an instructional site for students and faculty of Mississippi State University’s College of Education, and as a one-of-a-kind rural education research center. Construction on the partnership school began in spring 2017. The school opened in August 2020.
Prior to integration, African-American students in Starkville attended the historic Henderson High School. The school was later re-purposed as Starkville School District’s junior high school and is now an elementary school.
Private schools in Starkville include:
Starkville Academy has been described as a segregation academy. Despite fears that the consolidation of the Starkville and Oktibbeha County school districts in 2015 would lead to additional White flight to private schools, district consolidation actually resulted in decreased enrollment at area private schools as more white parents living in Oktibbeha County opted to enroll their children in the consolidated district.
Mississippi State University is partially in the Starkville city limits, and partially in the Mississippi State census-designated place.
East Mississippi Community College is the designated community college for the county, but does not operate facilities in it.
Starkville-Oktibbeha County Public Library System maintains the Starkville Library.
Pilot Charles Lindbergh, the first to fly solo across the Atlantic Ocean, made a successful landing on the outskirts of Starkville in 1927 during his Guggenheim Tour. He stayed overnight at a boarding house in the Maben community. Lindbergh later wrote about that landing in his autobiographical account of his barnstorming days, titled WE.
Starkville is one of several places in the United States that claims to have created Tee Ball. Tee Ball was popularized in Starkville in 1961 by W.W. Littlejohn and Dr. Clyde Muse, members of the Starkville Rotarians.
Johnny Cash was arrested for public drunkenness (though he described it as being picked up for picking flowers) in Starkville and held overnight at the city jail on May 11, 1965. This inspired his song “Starkville City Jail”:
The song appears on the album At San Quentin.
From November 2 to 4, 2007, the Johnny Cash Flower Pickin’ Festival was held in Starkville. At the festival, Cash was offered a symbolic posthumous pardon by the city. They honored Cash’s life and music, and the festival was expected to become an annual event. The festival was started by Robbie Ward, who said: “Johnny Cash was arrested in seven places, but he only wrote a song about one of those places.”
In 2021, a Mississippi Country Music Trail marker honoring Cash was installed in Starkville near the Oktibbeha County Jail.
In 2014, Gordon Ramsay visited the Hotel Chester in his series Hotel Hell in a successful attempt to help the struggling hotel remain in business.
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.