Owner Operator Insurance Cost Bellevue, Tennessee
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Bellevue, Tennessee. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Bellevue, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Bellevue, Tennessee in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Bellevue is a neighborhood of Nashville, situated about 13 miles southwest of the downtown area via Interstate 40. It is served by the Metropolitan Government of Nashville and Davidson County. The 2016 population estimate for Bellevue’s two main zip codes was 77,862.
In the 1950s, Bellevue was a small community which existed primarily to serve the needs of nearby farms. It was mostly along the railroad tracks near the Harpeth River, and had only a few buildings such as a hardware store, post office, and a Masonic lodge hall. I-40 was built through Bellevue in the early 1960s and suburbanization of the community was made official when the United States Postal Service changed the office’s designation from “Bellview, Tennessee” to a branch of the Nashville office in the late 1970s.
Since the year 2000, Bellevue has grown in population and development in the established areas along Old Hickory Boulevard, Sawyer Brown Road, McCrory Lane, and Tennessee State Highway 100. Three commercial retail hotspots in the Bellevue area are near the Highway 70S/I-40 interchange, at the intersection of Highway 70S and Old Hickory Boulevard; and near the intersection of Old Harding Pike and Highway 100.
Bellevue is a popular destination for nature lovers because of several attractions such as the massive Warner Parks that feature miles of paved and unpaved trails for hikers and cyclists, the Harpeth River Greenway, as well as the beginning access point for the multi-state recreational highway known as the Natchez Trace Parkway.
Bellevue is the home to One Bellevue Place, a retail lifestyle center on the property formerly known as Bellevue Center Mall on Highway 70S. This shopping area includes a coffee shop, a hotel and numerous restaurants and retail establishments, anchored by a Sprouts Farmer’s Market grocery store, AMC Bellevue 12 theatre, and the Bellevue Community Center and Ford Ice Center.
On May 2, 2010, the Bellevue area was hard-hit by a devastating flood, but in the following decade it rebounded and experienced transformative residential and commercial development.
According to the census of 2000, there were 37,062 people and 14,807 households in Bellevue. There were an average of 2.5 persons per household.
In 1990, 76% of people aged 25 or older had a high school education or better. The median income was $40,328.
As of 2016 the population had risen to 77,862.
Notable residents include Ruby Amanfu (recording artist, producer and Grammy, Soul Train and BET Award nominated songwriter), Sam Ashworth (songwriter) (songwriter, producer and recording artist), George Boebecker, Jr. (founder of Crocs), Cecil Branstetter (architect of Metro Nashville Charter and founder of Branstetter, Stranch & Jennings law firm), Abraham Louis Demoss (Civil War Captain and founder of Bell Vue), Gabe Dixon (keyboard with the Tedeschi Trucks Band, solo artist and former leader of the Gabe Dixon Band), Sylvia Ganier (food policy advocate and founder of Green Door Gourmet farm in Nashville), Rasa Hows (builder of Hows-Madden House), Noah Liff (businessman and namesake benefactor of Noah Liff Opera Center, home of the Nashville Opera), Col. Littleton (founder of Col. Littleton Leather), Bo Mitchell (Tennessee Representative), Charlie Peacock (producer and recording artist), Henry Rollins (storyteller, writer, singer and former member of Black Flag (band)), Brenda Stein (wood working artist), Jane Branstetter Stranch (U.S. Court of Appeals Judge), Sylvain Sylvain (rock guitarist and member of the New York Dolls), Bill Wade (former NFL Player), and Lainey Wilson (songwriter and recording artist).
Bellevue’s first library service was via bookmobile during World War II. The Bellevue Public Library opened in 1984 in the old woodshop/agriculture classroom building of the original Bellevue High School, built in 1931 and torn down in 1981 when the new Bellevue High School was built on the other side of Colice Jeanne Road. The former gymnasium at the back of the school became part of the Bellevue Community Center. Both the woodshop/agriculture building and the gymnasium were added in the 1950s.
The new Bellevue Branch Library opened in January, 2015. The new Bellevue Branch features a children’s area, teen area, computer space, café style coffee and vending area as well as meeting room space.
Bellevue Park is located on Colice Jeanne Road in Bellevue across from Bellevue Middle School and next to the Bellevue Branch Library. It is part of the Metro Nashville Parks System. The park is called Red Caboose Park due to the red caboose that sits on site. The park also has a log cabin (which was built by the town’s founder, Abraham Louis Demoss, prior to 1800, and moved to the park from its original location a couple of miles away in about 2005) onsite. The park features an exercise path for walkers and joggers, as well as a playground built by community volunteers in 1996 as part of the Bellevue Bicentennial Celebration.
Red Caboose Park is the site of the annual Bellevue Community Picnic, which attracts around 20,000 people each year.
Gower Elementary was built in 1989 and teaches grades preK-4 and is part of the “Hillwood Cluster”. It is located off of I-40 at 650 Old Hickory Boulevard in Bellevue, Nashville, Tennessee. The immediate area was formerly known as the “Gower” or “Gower School” community. The school’s enrollment is currently approximately 650 students.
Harpeth Valley Elementary School was founded in 1939 and teaches grades PreK-4. It is located on the outskirts of Bellevue along State Route 100. The current school was built in 1996 and has enrollment of more than 700 students. Harpeth Valley Elementary School was the inspiration for the title of the hit country song “Harper Valley PTA”.
Bellevue Middle School is located in the heart of the town on Colice Jeanne Road with the students coming primarily from Bellevue and the immediate surrounding areas. It was founded in 1970 and teaches grades 5 through 8. At the site of the former Bellevue High School, the school was renovated in 2002 and has an enrollment of 680 students.
Located in nearby West Meade, Hillwood High School serves ninth through twelfth grade students living in Bellevue and surrounding areas until the end of the 2022-23 academic year. In Fall 2023, James Lawson High School, a new $150 million facility a 273-acre campus off Highway 70S in Bellevue, is scheduled to replace Hillwood High School.
Bellevue is the home of The Bellevue Steelers of the Tennessee Youth Football Alliance, who have been a part of the Bellevue community since 1977. Bellevue is also home of BSAA, Inc. at the Reese Smith Jr. Baseball & Softball Park, which includes Babe Ruth League and Cal Ripken Jr. League Baseball. Thousands of Bellevue’s youth have played baseball here from tee ball through high school. The BBA Youth Basketball program also makes its home in Bellevue. The Bellevue Basketball Association has offered a Youth Sports Basketball program to tens of thousands of Nashville’s youth since the 1970s. The Harpeth Youth Soccer Association (HYSA) was founded in 1989 in Bellevue. More than 2,000 youth participate in the soccer league each year. The HYSA complex, located on Coley Davis Drive was decimated by the May 2010 Tennessee floods, but reopened in 2011.
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.
