Owner Operator Insurance Cost Alpharetta, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Alpharetta, 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 Alpharetta, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Alpharetta, 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.
Alpharetta is a city in northern Fulton County, Georgia, United States, and is a part of the Atlanta metropolitan area. As of the 2020 US Census, Alpharetta’s population was 65,818; in 2010, the population was 57,551.
In the 1830s, the Cherokee people in Georgia and elsewhere in the South were forcibly relocated to the Indian Territory (present-day Oklahoma) under the Indian Removal Act. Pioneers and farmers later settled on the newly vacated land, situated along a former Cherokee trail stretching from the North Georgia mountains to the Chattahoochee River.
One of the area’s first permanent landmarks was the New Prospect Camp Ground (also known as the Methodist Camp Ground), beside a natural spring near what is now downtown Alpharetta. It later served as a trading post for the exchanging of goods among settlers.
Known as the town of Milton through July 1858, the city of Alpharetta was chartered on December 11, 1858, with boundaries extending in a 0.5-mile (0.80 km) radius from the city courthouse. It served as the county seat of Milton County until 1931, when Milton County merged with Fulton County to avoid bankruptcy during the Great Depression.
The city’s name may be a variation of a fictional Indian girl, Alfarata, in the 19th-century song “The Blue Juniata”; it may also be derived from alpha, the first letter of the Greek alphabet.
The Simeon and Jane Rucker Log House, built in 1833, was listed on the National Register of Historic Places in 1997.
Alpharetta is in northern Fulton County and is bordered to the southeast by Johns Creek, to the south and west by Roswell, to the north by Milton, and to the northeast by unincorporated land in Forsyth County. Downtown Alpharetta is 26 miles (42 km) north of downtown Atlanta.
According to the United States Census Bureau, Alpharetta has an area of 27.3 square miles (70.7 km), of which 26.9 square miles (69.7 km) is land and 0.39 square miles (1.0 km), or 1.37%, is water.
Alpharetta has a humid subtropical climate (Köppen climate classification Cfa) and is part of USDA hardiness zone 7b.
As of the 2020 United States census, there were 65,818 people, 25,391 households, and 18,167 families residing in the city.
According to the 2010 census, the racial composition of the city of Alpharetta was as follows:
There were 13,911 households, out of which 36.2% had children under the age of 18 living with them, 54.1% were married couples living together, 7.3% had a female householder with no husband present, and 35.9% were non-families. 27.7% of all households were made up of individuals, and 4.2% had someone living alone who was 65 or older.
The average household size was 2.50 and the average family size was 3.13.
In the city, 27.0% of the population was under the age of 18, 7.2% from 18 to 24, 40.5% from 25 to 44, 19.4% from 45 to 64, and 5.8% who were 65 years of age or older. The median age was 33. For every 100 females, there were 98.3 males. For every 100 females age 18 and over, there were 94.9 males.
The median income for a household in the city was $95,888, and the median income for a family was $111,918. The per capita income for the city was $42,431. Males had a median income of $79,275 versus $59,935 for females. About 2.9% of families and 1.2% of the population were below the poverty line, including 0.3% of those under age 18 and 0.6% of those age 65 or over.
As of the census of 2000, there were 34,854 people, 13,911 households, and 8,916 families residing in the city. The population density was 1,631.6 inhabitants per square mile (630.0/km). There were 14,670 housing units at an average density of 686.7 per square mile (265.1/km). The population has been gradually increasing over the last decade. During the workday, the city swells to more than 120,000 residents, workers, and visitors, due to the more than 3,600 businesses that are located in the city.
According to the City’s 2022 Annual Comprehensive Financial Report, the city’s top private sector employers are:
Complexes in the area include:
Tech Alpharetta (formerly known as the Alpharetta Technology Commission or simply ATC) is an advisory organization established by the City of Alpharetta in 2012. The organization is an independent, 501(c)(6) nonprofit organization that aims to help Alpharetta lead in technology innovation. Tech Alpharetta runs an advisory board of technology companies based in the city, holds monthly technology events for technology executives, and operates the Tech Alpharetta Innovation Center, a technology startup incubator. As of early 2020 about ten companies have “graduated” from Tech Alpharetta’s incubator and were hiring employees in the North Fulton County region.
Cynergy Data is headquartered in Alpharetta, as was NetBank when it existed.
Alpharetta is governed by a city council composed of six members and a mayor. The mayor and council members serve staggered four-year terms.
Alpharetta is not directly served by MARTA trains, but is by multiple bus routes. Currently, there have only been plans to connect Alpharetta to the rest of Metro Atlanta via heavy rail.
The Downtown Alpharetta Welcome Center is at 178 South Main Street and has more than 200 complimentary brochures providing information on the surrounding area. The center is open Monday to Friday from 9 a.m. to 5 p.m., and a Virtual Information Kiosk is available on Saturdays from 10 a.m. to 4 p.m.
The Alpharetta Family Skate Center (aka The Cooler) is at 10800 Davis Drive. It is also home to the Atlanta Sparks special needs hockey team.
The Alpharetta Brew Moon Fest is held the first Saturday in October in downtown Alpharetta.
The Scarecrow Harvest is held the first Saturday in October in downtown Alpharetta. The streets are lined with 100 scarecrows to celebrate its fall spirit.
The Alpharetta Arboretum at Wills Park was established in September 2008 and includes 26 trees. A brochure about the arboretum guides readers through a walking tour of the trees and is available at the Downtown Alpharetta Welcome Center.
The Alpharetta Arboretum at Cogburn Road Park was established in December 2008 and showcases seven trees. A complimentary brochure for the arboretum is available at the Downtown Alpharetta Welcome Center and provides a starting point for a self-guided walking tour.
The Alpharetta Farmers Market is a weekly farmers’ market in the downtown area that opens every Saturday from 8 AM to 12:30 PM from April to October, and features farmers and gardeners from the surrounding area selling fresh vegetables, flowers, and edible goods such as jam. The market was named “Best Saturday Morning Excursion” in 2007 by Atlanta magazine.
The Downtown Alpharetta Historic District is in the center of Alpharetta at the intersection of North Main Street, South Main Street, Milton Avenue, and Academy Street. Around this area are several historic buildings from the late 19th century and earlier. The downtown area has been restored, replacing more modern buildings with period structures, and includes dining, shopping, and widened brick sidewalks.
The Mansell House and Gardens is a 1912 Queen Anne style home that serves as a special event facility in Alpharetta. It also serves as home to the Alpharetta Historical Society.
The Milton Log Cabin was built by Future Farmers of America students during the 1934–35 school year and resembles life during the late 19th century.
Ameris Bank Amphitheatre is a 12,000-capacity outdoor venue that serves as the summer home of the Grammy Award-winning Atlanta Symphony Orchestra and hosta acts like the Dave Matthews Band, Rod Stewart, Steve Miller Band and the Eagles.
North Point Community Church is based in Alpharetta. It is the main campus of North Point Ministries, the nation’s largest church organization, run by evangelical preacher Andy Stanley. The campus welcomes more than 5,000 people every Sunday.
The Alpharetta Symphony is an orchestra based in Alpharetta.
The Walk of Memories is at American Legion Post 201 and pays tribute to veterans of the U.S. Armed Forces, community and friends, through a brick walk inscribed with the names of all Georgia residents killed in service during and after World War II. A separate section is reserved for those who served in the military and survived. A tank and helicopter are on display.
The Alpharetta Big Creek Greenway is a 6.1-mile-long (9.8 km), 12-foot-wide (3.7 m) concrete path that meanders through the woods along Big Creek, offering a place to walk, jog, inline skate and bike. The path includes additional mountain bike trails.
The Taste of Alpharetta is an annual food festival featuring food from local restaurants, live music, and art exhibits.
The Wire and Wood Alpharetta Songwriters Festival in downtown Alpharetta is held in October.
Avalon is a multi-use development on the east side of downtown adjacent to State Route 400. It includes 500,000 square feet (46,000 m) of retail space, a 12-screen Regal Cinemas theater, 105,000 square feet (9,800 m) of office space over retail, 101 single-family residences and 250 luxury rental homes.
The Alpharetta Bulls Rugby Football Club is a Men’s Division 3 Rugby Team competing in the Georgia Rugby Union and USA Rugby competitions.
North Park, Wills Park, and Webb Bridge Park feature a total of 15 lighted tennis courts and 8 asphalt pickleball courts at North Park. Tennis lessons, clinics, camps, and leagues are available.
The city is served by Fulton County Schools.
Elementary schools (Grades K-5)
Middle schools (Grades 6-8)
High schools (Grades 9-12)
The Roman Catholic Archdiocese of Atlanta operates Holy Redeemer Catholic School (K-8) in Johns Creek; the school’s address is often said to be in “Alpharetta, GA”.
Georgia State University, Gwinnett Technical College and Reinhardt University have campuses in Alpharetta.
Atlanta-Fulton Public Library System operates the Alpharetta Branch.
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.
