Owner Operator Insurance Cost Bessemer, Alabama
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Bessemer, Alabama. 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 Bessemer, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Bessemer, Alabama 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.
Bessemer is a southwestern suburb of Birmingham in Jefferson County, Alabama, United States. The population was 26,019 at the 2020 census. It is within the Birmingham-Hoover, AL Metropolitan Statistical Area, of which Jefferson County is the center. It developed rapidly as an industrial city in the late 19th and early 20th centuries.
The town was founded in the postbellum era by the Bessemer Land and Improvement Company, named after Henry Bessemer and owned by coal magnate Henry F. DeBardeleben. He had inherited Daniel Pratt’s investments. The mayor and councilmen voted to incorporate the city of Bessemer on September 9, 1887. Located 16 miles southwest of Birmingham, Bessemer grew rapidly and its promoters believed that it might overtake the other city in economic power.
Given the iron ore, coal and limestone deposits in the area, the city became a center of steelmaking from about 1890 through the 20th century. It attracted rural migrants from across the South, as well as European immigrants. By the 1950s, the city was majority African American in population.
The industry went through considerable restructuring in the late 20th century, and jobs moved out of the area. Steel is no longer made there.
In 2019, it was named Alabama’s “Worst City to Live in” by 24/7 Wall Street.
Bessemer is located approximately 18 miles (29 km) southwest of Birmingham.
According to the United States Census Bureau, the city has a total area of 40.8 square miles (106 km), of which 40.7 square miles (105 km) is land and 0.1 square miles (0.26 km) (0.17%) is water.
Bessemer is situated in the midst of the iron ore and limestone district of Alabama, in the southern part of Jones Valley (about 3 miles (4.8 km) wide). Iron ore was mined on the hills on the city’s southeast side, coal was (and still is) mined to the north and west, and limestone deposits were also nearby. All three ingredients were necessary for steelmaking, which led to the area becoming a major steel center from about 1890 through the twentieth century. Steel is no longer made within the city limits, but is still manufactured in the neighboring city of Fairfield.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Bessemer has a humid subtropical climate, abbreviated “Cfa” on climate maps.
As of the 2020 United States census, there were 26,019 people, 10,492 households, and 6,378 families residing in the city.
As of the 2013 American Community Survey, there were 27,336 people living in the city. 72.0% were African American, 24.0% White, 0.1% Native American, 0.2% Asian, 0.1% from some other race and 0.4% from two or more races. 3.2% were Hispanic or Latino of any race.
As of the census of 2000, there were 29,672 people, 11,537 households, and 7,868 families living in the city. The population density was 729.0 inhabitants per square mile (281.5/km). There were 12,790 housing units at an average density of 314.2 per square mile (121.3/km). The racial makeup of the city was 69.6% Black or African American, 28.9% White, 0.3% Native American, 0.2% Asian, <0.1% Pacific Islander, 0.3% from other races, and 0.7% from two or more races. 1.1% of the population were Hispanic or Latino of any race.
There were 11,537 households, out of which 30.5% had children under the age of 18 living with them, 34.6% were married couples living together, 29.2% had a female householder with no husband present, and 31.8% were non-families. 29.0% of all households were made up of individuals, and 13.0% had someone living alone who was 65 years of age or older. The average household size was 2.52 and the average family size was 3.12.
In the city, the population was spread out, with 26.8% under the age of 18, 9.6% from 18 to 24, 26.1% from 25 to 44, 21.1% from 45 to 64, and 16.4% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 82.9 males. For every 100 females age 18 and over, there were 75.8 males.
The median income for a household in the city was $23,066, and the median income for a family was $28,230. Males had a median income of $29,413 versus $21,552 for females. The per capita income for the city was $12,232. About 24.2% of families and 27.2% of the population were below the poverty line, including 37.8% of those under age 18 and 24.7% of those age 65 or over.
In 1900, Bessemer ranked eighth in population in the state, second in amount of capital invested in manufacturing, and fourth in the value of its manufactured product for the year. By 1911, ore mining, iron smelting, and the manufacture of iron and coke were the chief industries of Bessemer. Truck farming was also an important industry, dating from the area’s agricultural past.
Both blacks and whites from rural areas were attracted to the city for its new work opportunities. Gradually African Americans moved into industrial jobs and became part of integrated unions; such jobs enabled many working-class families to enjoy middle-class incomes.
Today, ore mining has ended, as supplies were exhausted. Manufacturing remains a factor, with the U.S. Pipe and Foundry ductile pipe plant on the city’s north side. On May 9, 2007, U.S. Pipe announced that it would be building a new $45-million foundry near the current plant. The site was selected, among other reasons, for having available space for potential future expansions. U.S. Pipe is the largest domestic producer of Ductile Iron pipe in sizes 4 inch through 64 inch.
The city was once home to a large railroad car manufacturing factory, operated by Pullman Standard for many decades and later by Trinity Industries. With railroad restructuring in the late 20th century and other manufacturing moving offshore, this plant ceased most production in the 1990s. In 2012, BLOX LLC (bloxbuilt.com) a manufacturer of modular components for healthcare facilities moved into this facility.
The decline of mining and exodus of the steelmaking and railcar manufacturing industries resulted in extensive loss of jobs. The city has lost population since a peak in 1970. It faced an economic crisis in the early to mid-1980s, as unemployed workers constituted more than one-third of the workforce. Since that time the city, through the efforts of the Bessemer Area Chamber of Commerce and the Bessemer Industrial Development Board, has been successful in diversifying its economy. It is recognized for its business growth. In June 2018, Amazon announced that it would build a new 800,000 square feet (74,000 m), $325 million fulfillment center in Bessemer which will initially create 1,500 new jobs.
Crime increased following the rise in unemployment and social disruption from the decline of manufacturing industries in the area. As of 2019, Bessemer ranks first in terms of violent crimes for U.S. cities with 25,000 or more people.
The performance center Bessemer Civic Center provides multiple performance spaces for music and theatre.
Bessemer uses the mayor–city council form of government. The council has seven members, elected from single-member districts. As of 2016, Kenneth Gulley is mayor, a position elected at-large. He was first elected in 2010 and reelected to a second term in 2014.
A satellite Jefferson County courthouse is located in downtown Bessemer. There is a special county government district, known as the “Bessemer Cutoff”, which was established in the middle of the 20th century when Bessemer was a major city in its own right. A separate county government was considered a possibility, but there was not sufficient land area to meet legislative requirements for a county. The “Cutoff” had a separate series of Alabama license plates, with a different numeric prefix than the rest of the county.
Bessemer has since been surpassed in size by Birmingham suburbs such as Hoover. But Bessemer retains the branch county courthouse to this day. The term “Bessemer Cutoff” continues to be used regularly by area residents.
The United States Postal Service operates the Bessemer Post Office.
The state Alabama Department of Corrections operates the William E. Donaldson Correctional Facility, a prison for men, in unincorporated Jefferson County, Alabama, near Bessemer. The prison includes one of the two Alabama death rows for men.
Bessemer has its own school system independent of Jefferson County schools, Bessemer City School District. The system includes:
The Board of Education also operates the Quitman Mitchell Opportunity Center, which includes an adult learning center, Even Start child care center, and New Horizon Alternative School.
K–12 private schools in the Bessemer include Rock Christian School and Bessemer Academy, which was founded as a segregation academy.
Lawson State Community College operates the former Bessemer Technical College campus. The two schools merged in 2005 as a cost-saving measure.
The Western Star is a weekly newspaper which covers Bessemer and nearby communities.
The Birmingham News is published three days per week, and also publishes a weekly section devoted to news from Bessemer and nearby communities.
One radio station, WZGX (1450 AM), operates within the city; it broadcasts some Spanish programming and music to appeal to the growing Mexican-American population of Jefferson County. It also continues a tradition of broadcasting high school football games on Friday nights. All of metro Birmingham’s stations are heard in Bessemer, as well as several stations broadcasting from Tuscaloosa.
Television station WDBB (channel 17) is licensed to Bessemer, but broadcasts from studios in Birmingham, simulcasting with WTTO (channel 21). All of Birmingham’s television stations may be viewed in Bessemer, and some have established news bureaus there.
In 1911, the town was served by five railroad lines: Alabama Great Southern (Queen & Crescent route), the Louisville & Nashville Railroad, the Kansas City, Memphis & Birmingham (St. Louis & San Francisco Railroad system), the Birmingham Southern Railroad, and the Atlanta, Birmingham & Atlantic railways. Passenger service decreased after people started choosing to travel by automobiles, increasingly so after World War II. In addition, there was widespread restructuring in the railroad industry that also applied to freight lines.
By 2006, the companies noted above had consolidated to CSX Transportation, which has lines to Birmingham and Brookwood; and the Norfolk Southern Railway, with lines to Birmingham, Mobile and New Orleans; Birmingham Southern continues in service. A major railroad feature is the “High Line”, constructed by Tennessee Coal & Iron (predecessor to U.S. Steel) to ship iron ore from the mines on the city’s south side to the steel works in nearby Fairfield. This elevated line traverses the eastern side of the city. Though tracks were removed over much of the High Line when the mines closed, part of the line is still used by the Birmingham Southern. All of the roadbed and bridges remain in place.
Bessemer is served by the small Bessemer Airport to the southeast of the city. Commercial service in the region is provided by the much larger Birmingham-Shuttlesworth International Airport, located 5 miles (8.0 km) north of downtown Birmingham (about 21 miles away in total).
Major highways in Bessemer include I-20/59, I-459, U.S. Route 11, and State Route 150, which connects Bessemer with Hoover.
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.