Owner Operator Insurance Cost Anderson, South Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Anderson, 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 Anderson, South Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Anderson, 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.
Anderson is a city in and the county seat of Anderson County, South Carolina, United States. The population was 28,106 at the 2020 census, and the city was the center of an urbanized area of 75,702. It is one of the principal cities in the Greenville-Anderson-Mauldin Metropolitan Statistical Area, which had a population of 824,112 at the 2010 census. It is included in the larger Greenville-Spartanburg-Anderson, South Carolina combined statistical area, with a total population of 1,266,995, at the 2010 census. It is just off Interstate 85 and is 120 miles (190 km) from Atlanta and 140 miles (230 km) from Charlotte. Anderson is the smallest of the three primary cities that make up the Upstate region, and is nicknamed the “Electric City” and the “Friendliest City in South Carolina.”
Cherokee first settled the area of what is today the city of Anderson. During the American Revolution, the Cherokee sided with the British. After the American Revolutionary War, the Cherokee’s land was acquired as war reparations and colonized. In 1791, the South Carolina Legislature created the Washington District, which comprised Greenville, Anderson, Oconee, and Pickens Counties. The Washington District was then divided into Greenville and Pendleton districts. Anderson, Pickens, and Oconee comprised the newly created Pendleton district. Anderson was settled in 1826 and incorporated in 1828 as Anderson Court House, separate from the Pendleton district. The name Anderson is in honor of Robert Anderson, who fought in the American Revolutionary War and also explored the Anderson region in the mid-18th century. Anderson District (later Anderson County after 1867) was also established in 1826 out of the Pendleton district.
In 1851, the Johnson Female Seminary was established in Anderson as the first college of the town, and was named after William Bullein Johnson. One year later, the seminary was renamed Johnson University. During the American Civil War, Johnson University was closed and converted into a Confederate treasury. On May 1, 1865, Union forces invaded Anderson looking for the Confederate treasury. The treasury office of Anderson was ransacked by Union forces, and the main building of Johnson University was used as a Union headquarters. A minor skirmish erupted at the Battle of Anderson, leading to two Union casualties. After the war, a Union garrison was stationed in Anderson.
Anderson became one of the first cities in the Southeastern United States to have electricity. Electricity to Anderson was established by William C. Whitner in 1895 at a hydroelectric plant on the Rocky River, giving the city the name the Electric City. Anderson also became the first city in the world to supply a cotton gin by electricity. In 1895, Anderson Court House was renamed to Anderson. In 1897, Whitner’s plant was upgraded with a 10,000-volt generating station at Portman Shoals. Whitner’s power plant at Portman Shoals became the first hydroelectric plant in the United States to generate high voltage without step-up transformers . The Portman Dam was swept away in 1901, forcing Anderson into darkness until it was rebuilt in 1902.
In 1911, Anderson College was established by the Anderson Chamber of Commerce. Anderson College was successor to Johnson University and is affiliated with the South Carolina Baptist Convention. Anderson College became Anderson University. It is accredited as a Level VI institution (offers bachelors, masters, Ph.D. degrees) by the Southern Association of Colleges and Schools Commission on Colleges. As of October 2022, it is the largest private university in South Carolina.
Anderson is located in the northwest corner of South Carolina on the Piedmont plateau. Anderson is a 1-hour drive from the Blue Ridge Mountains and a 4-hour drive from the South Carolina coast. Anderson lies roughly at the midpoint of the busy I-85 corridor between Atlanta and Charlotte.
According to the United States Census Bureau, the city has a total area of 14.6 square miles (37.9 km), of which 0.039 square miles (0.1 km), or 0.30%, is covered by water.
Anderson is home to the largest Glen Raven, Inc. manufacturing center facility, which focuses on manufacturing Sunbrella fabrics. Anderson’s economy revolves around manufacturing. It has over 230 manufacturers, including 22 international companies. In the county, Anderson has a thriving business climate. Its top major industries include manufacturers of automotive products, metal products, industrial machinery, plastics, publishing, and textiles. Two industries that many times interconnect are the plastic and automotive sectors. More than 27 BMW suppliers are the Upstate region, which is recognized internationally as an automotive supplier hub. The plastics industry has a strong presence in the Upstate, with 244 plastic companies located within the 10 counties of the state’s northwest corner. Anderson County, in particular, has 11 automotive suppliers, and is a major player in the plastic industry, with 27 plastics companies located within its borders.
AnMed Health is one of the top employers in the county, and the primary healthcare network for Anderson. AnMed Health Medical Center is the main medical facility, offering all the amenities of a standard hospital, as well as a heart and vascular center, and stroke/neurological center. Located 2.5 miles north of the facility is the AnMed Health Campus, which includes a women’s and children’s hospital, minor care, cancer center, speech and occupational therapy, and more. The AnMed Rehabilitation Hospital is located between the two facilities. AnMed has recently received national attention being awarded the “National Presidents Circle Award,” and the “American College of Cardiology Foundation’s 2012 NCDR ACTION Registry–GWTG Platinum Performance Achievement Award.”
In addition to these three network hospitals, AnMed also operates a number of smaller facilities throughout the city and county that range from a free clinic and minor care to doctor’s offices.
The city of Anderson is served by the Anderson County School System (specifically, Anderson School District Five). The school district has 11 elementary schools, five middle schools, and two high schools. Anderson is home to Anderson University, a private university with roughly 3,900 undergraduate and graduate students.
Anderson has a public library, a branch of the Anderson County Library System.
Anderson is served by Anderson County Regional Airport (IATA: AND, ICAO: KAND). The airport is 3 miles (4.8 km) away from Anderson and has 2 runways; runway 5/23 is 6,000 feet (1,800 m) and runway 17/35 is 5,000 feet (1,500 m). The airport also has helipads. The airport has no control tower, but is able to accommodate regional jet aircraft. In addition, the airport has a small terminal.
Anderson has five signed exits on I-85, currently the city’s only freeway. Several notable highways pass through the city, including U.S. Route 76 and U.S. Route 178 co-signed along Clemson Boulevard, also known as SC-Bus 28, and U.S. Route 29 and Route 187 leading to Hartwell, Georgia, to the south and Greenville to the north.
In 2011, construction began on a new east–west connector that is about 3 mi long between Clemson Boulevard and South Carolina Highway 81. On August 16, 2010, the connector was voted to have four lanes with turn and bike lanes, and a completion date set in October 2012.
On November, 8th, 2013, the East-West Parkway formally opened to traffic.
Anderson has four bus routes that travel to most major areas of the city, running every hour. The city also receives service from Clemson Area Transit (CATS) via the 4U route. The city uses both newer hybrid buses and older style trolleys resembling Anderson’s old streetcars. Inter-city bus travel is available through Greyhound Lines.
One of the Southeast High Speed Rail Corridor alternatives for a Charlotte – Greenville – Atlanta route includes a stop at Anderson. This would mark the first time that passenger rail reached Anderson, since the passing of Piedmont and Northern Railway in ca. 1947 and the Blue Ridge Railway in ca. 1951 from Anderson.
As of the 2020 United States census, there were 28,106 people, 11,412 households, and 6,112 families residing in the city.
At the census of 2000, 25,514 people, 10,641 households, and 6,299 families were residing in the city. The population density was 1,843.7 people/sq mi (711.8/km). The 12,068 housing units averaged 872.1/sq mi (336.7/km). The racial makeup of the city was 63.12% White, 34.01% African American, 0.22% Native American, 0.78% Asian American, 0.72% from other races, and 1.16% from two or more races. Hispanics or Latinos of any race were 1.48% of the population.
Anderson is governed using the mayor-council system. The mayor is elected at-large. The city council consists of eight members; six are elected from districts and the other two are elected at-large.
Anderson has two sister cities, as designated by Sister Cities International:
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.
