Owner Operator Insurance Cost Canton, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Canton, 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 Canton, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Canton, 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.
Canton is a city in and the county seat of Cherokee County, Georgia, United States. As of the 2010 census, the city had a population of 22,958, up from 7,709 in 2000.
Canton is located near the center of Cherokee County at 34°13′38″N 84°29′41″W / 34.22722°N 84.49472°W (34.227307, −84.494727).
The city lies just north of Holly Springs and south of Ball Ground. Interstate 575 passes through the eastern side of the city, with access from exits 14 through 20. Canton is 40 miles (64 km) north of downtown Atlanta via I-575 and I-75.
According to the United States Census Bureau, the city has a total area of 18.7 square miles (48.5 km), of which 18.6 square miles (48.2 km) is land and 0.15 square miles (0.4 km), or 0.76%, is water. The Etowah River, a tributary of the Coosa River, flows from east to west through the center of the city.
As of the 2020 United States census, there were 32,973 people, 10,233 households, and 7,138 families residing in the city.
As of the 2010 census, there were 22,958 people, 8,204 households, and 5,606 families residing in the city. The population density was 1,234.3 inhabitants per square mile (476.6/km). There were 9,341 housing units at an average density of 502.2 per square mile (193.9/km).
There were 8,204 households, out of which 42.4% had children under the age of 18 living with them, 48.6% were headed by married couples living together, 14.5% had a female householder with no husband present, and 31.7% were non-families. 25.3% of all households were made up of individuals, and 7.8% were someone living alone who was 65 years of age or older. The average household size was 2.77, and the average family size was 3.30.
The racial makeup of the city was 75.6% White, 22.5% Hispanic or Latino of any race, 8.9% African American, 1.3% Asian, 0.8% Native American, 0.2% Pacific Islander, 10.2% some other race, 2.9% from two or more races.
In the city, the population was spread out, with 29.7% under the age of 18, 9.0% from 18 to 24, 34.7% from 25 to 44, 17.1% from 45 to 64, and 9.4% who were 65 years of age or older. The median age was 30.6 years. For every 100 females, there were 96.7 males. For every 100 females age 18 and over, there were 93.0 males.
For the period 2010–12, the estimated median annual income for a household in the city was $46,691, and the median income for a family was $52,432. Male full-time workers had a median income of $36,971 versus $37,092 for females. The per capita income for the city was $20,705. About 13.4% of families and 18.1% of the population were below the poverty line, including 26.6% of those under age 18 and 7.8% of those age 65 or over.
Located in the foothills of the Blue Ridge Mountains, the site where Canton would be founded lay in the heart of the original Cherokee Nation. During the first 100 years of Georgia’s history, Northwest Georgia was generally considered “Indian Country” and was bypassed by settlers going West. Georgia reached an agreement with the federal government in 1802 shortly after the Revolutionary War to relinquish its Western Territory (it claimed the Pacific Ocean as its western boundary) in exchange for the removal of all Indians within its boundaries. Although other tribes had been removed, the Cherokee remained. Since this was the heartland of the Cherokee Nation, the state and nation were reluctant to disturb them. But following the Georgia Gold Rush in 1829, European-American settlers ignored the Indian problems and began to move into the area north of Carrollton and west of the Chattahoochee River and named it Cherokee.
Many members of the Cherokee Nation moved west in 1829, but the majority stayed until removed by federal troops sent into the area during the summer of 1838. The remaining Cherokee were gathered and held in forts until the removal could be completed. Present-day Cherokee County had the largest and most southerly of these forts, Fort Buffington, which stood 6 miles (10 km) east of Canton. Today nothing stands to identify its timber structure, but the area is marked by a large piece of green Cherokee marble quarried near Holly Springs. By autumn of 1838, the federal troops had accomplished their mission, and the Cherokee at Fort Buffington were marched off to join other groups on the infamous “Trail of Tears,” a lengthy march in worsening winter weather to Indian Territory west of the Mississippi River.
The new settlers chose a site for a permanent county seat and courthouse in 1833, naming it “Etowah”. The name was changed to “Cherokee Courthouse” in 1833. In 1834 it was changed to “Canton” (pronounced cant’n), after the Chinese city of Guangzhou, which was then known in English as Canton (pronounced can tahn). The name was chosen because a group of citizens had dreams of making the Georgia town a center of the silk industry, which was concentrated in China at the time. Though Canton never became a significant silk center, it did become a successful manufacturing community.
During the American Civil War, Canton, which had a population of about 200, was burned between November 1 and 5, 1864, by the Union Army under the command of Maj. Gen. William T. Sherman. Canton was destroyed by a foraging party of the Ohio 5th Cavalry under the command of Major Thomas T. Heath. At the time the Ohio 5th Cavalry was headquartered in Cartersville. The written order for destruction was given on October 30, 1864, by Brig. General John E. Smith. Union troops were ordered to burn the town because of Confederate guerrilla attacks coming from Canton and directed against the Western and Atlantic Railroad near the town of Cassville. The railroad was a vital supply line for the Union Army from the captured city of Chattanooga, Tennessee, to newly captured Atlanta. The Union troops identified the Canton home of Governor Joseph E. Brown for destruction. The same Union party destroyed Cassville, the county seat of neighboring Bartow County, on November 5, 1864, as it has also been a base of guerrilla actions. Cassville never rebuilt, but Canton survived to prosper, as it was the county seat.
Over the years, Canton evolved from unsettled territory to a prosperous mill town known the world over for its “Canton Denim”. The original county of 1831 now includes 24 counties. The city of Canton remains the county seat.
Cherokee Poultry, founded by T.B.Bradshaw was built on Univeter Road in 1955; later sold to Central Soya in 1962. The Canton Cotton Mills, which produced the famous “Canton Denim”, closed in 1981. Since then, Canton has grown as the suburbs of Atlanta have expanded northward, and is currently experiencing its period of greatest population growth, which nearly tripled between 2000 and 2010.
The city of Canton is governed by a council-mayor form of government. The six council members and mayor are each elected to four-year terms by city residents. The city is divided into three council wards, with two council members serving from each ward. The mayor is elected at-large. The Mayor and Council hold the monthly council meetings on the first and third Thursday of each month at 6:00 p.m. All meetings of the City Government Manager and Council are held in the Council Chambers of City Hall located at 110 Academy Street.
The Administration Department of the City Government of Canton consists of the City Government Manager, City Government Council, City Government Administration Manager, City Clerk and Administrative Secretaries. The office is located at Canton City Hall at 110 Academy Street in Canton.
The City Manager is the Administrative Executive of the City of Canton and is responsible for overseeing daily operations of all City departments. The City Manager is appointed by the City Government Manager and The City Government Council, the governing authority of the city.
The City Clerk serves as the Clerk of Council and is responsible for the minutes and records of all meetings. The City Clerk is responsible for serving as custodian of all legal documents for the City.
Many projects are underway in the city including new construction, renovation, and revitalization. Canton has received millions of dollars in grants for park and sidewalk improvements in the city. The city’s public buses have established routes and carry thousands of passengers throughout the city from residential areas to downtown, shopping areas, the medical district, and job sites.
The Historic Canton Theatre on Main Street features plays and other special entertainment events throughout the year, injecting new life into the downtown business district. Streets in the downtown area were recently improved, by the removal of parking spaces, as part of the “Streetscapes” program, bringing brick pavers to sidewalks, lamp posts, lush landscaping and intersection upgrades.
In May 2004, the city held a ribbon-cutting ceremony for Heritage Park, the first phase of the Etowah River Greenway. The park covers approximately 30 acres (120,000 m) and has pedestrian and bike trails and a natural amphitheater. The city used to hold concerts and movies in Heritage Park throughout the summer free of charge to its residents.
The city, in partnership with the Metro Atlanta YMCA, constructed an $8 million community center on Waleska Street contiguous to Heritage Park. Now completed, the community center includes an indoor swimming pool, a gymnasium, wellness center, aerobics studio, childcare facilities and the Cherokee Sports Hall of Fame. Although construction was approved for the facility by a local referendum authorizing a “free” community center, the city decided to operate it through the YMCA. People must become members, thus paying a fee for use.
Phase two of the Etowah River Greenway north of Heritage Park consists of recreation fields for softball, baseball, tennis, and soccer. This phase involves approximately 60 acres (240,000 m) of property.
In June 2004, the Bluffs Parkway opened off Riverstone Boulevard. This parkway, funded by an $8 million grant from the Georgia Department of Transportation, bisects the Bluffs at Technology Park, owned by Technology Park/Atlanta. It will be home to 15,000 high-tech jobs when built out in 10 years. The technology park includes a satellite campus of Chattahoochee Technical College, which opened in the fall of 2011.
The federal Hickory Log Creek Dam project, north of the city center, was approved by the U.S. Army Corps of Engineers. The construction and ownership of the Hickory Log Creek Raw Water Reservoir will be shared by the Cobb County / Marietta Water Authority and the City of Canton on a 75% and 25% respective basis; it was completed in December 2007. This water source will provide 44 million US gallons (170,000 m) of water per day and will be bordered by 15 to 25 acres (6.1 to 10.1 ha) of park land with picnic and other public areas.
In 2009, Canton opened the newly renovated Canton Marketplace. It features both big box retailers and smaller shops. With the rapid increase in population, restaurants and shopping centers have had a rise in business.
Education in Canton is run by the Cherokee County government and the Georgia state government.
The Cherokee County School District serves grades pre-school to grade twelve, with 23 elementary schools, seven middle schools, and six high schools. As of 2010, the district had 1,766 full-time teachers and over 28,434 students.
Schools in Cherokee County include:
The Cherokee County Airport (FAA LOC ID: 47A) is located adjacent to I-575 7 miles (11 km) northeast of downtown Canton.
A redevelopment project currently underway includes an already completed 10,000-square-foot (930 m) terminal, the ongoing lengthening of the runway from its current 3,414 to 5,000 feet (1,041 to 1,524 m), a new parallel taxiway, instrument landing equipment, and new hangars. The new facilities will accommodate 200 hangared corporate aircraft and provide 100 tie-downs for smaller aircraft.
Interstate 575 goes through Cobb and Cherokee counties, passing through the east side of Canton (roughly north to south), ending just about 10 miles north of the city. Georgia State Route 20 runs east-to-west right through the city just south of the Etowah River. Georgia State Route 140 also passes close to the center of the city in a northwest to southeast direction.
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.