Owner Operator Insurance Cost Columbus, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Columbus, 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 Columbus, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Columbus, 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.
Columbus is a consolidated city-county located on the west-central border of the U.S. state of Georgia. Columbus lies on the Chattahoochee River directly across from Phenix City, Alabama. It is the county seat of Muscogee County, with which it officially merged in 1970. Columbus is the second-most populous city in Georgia (after Atlanta), and fields the state’s fourth-largest metropolitan area. At the 2020 census, Columbus had a population of 206,922, with 328,883 in the Columbus metropolitan area. The metro area joins the nearby Alabama cities of Auburn and Opelika to form the Columbus–Auburn–Opelika Combined Statistical Area, which had an estimated population of 486,645 in 2019.
Columbus lies 100 miles (160 km) southwest of Atlanta. Fort Moore, the United States Army’s Maneuver Center of Excellence and a major employer, is located south of the city in southern Muscogee and Chattahoochee counties. Columbus is home to museums and tourism sites, including the National Infantry Museum, dedicated to the U.S. Army’s Infantry Branch. It has the longest urban whitewater rafting course in the world constructed on the Chattahoochee River.
This was for centuries the traditional territory of the Creek Indians, who became known as one of the Five Civilized Tribes of the Southeast after European contact. Those who lived closest to white-occupied areas conducted considerable trading and adopted some European-American ways.
Founded in 1828 by an act of the Georgia Legislature, Columbus was situated at the beginning of the navigable portion of the Chattahoochee River and on the last stretch of the Federal Road before entering Alabama. The city was named for Christopher Columbus. The plan for the city was drawn up by Dr. Edwin L. DeGraffenried, who placed the town on a bluff overlooking the river. Across the river to the west, where Phenix City, Alabama, is now located, lived several tribes of the Creek and other Georgia and Alabama indigenous peoples. Most Creeks moved west with the 1826 Treaty of Washington. Those who stayed and made war were forcibly removed in 1836.
The river served as Columbus’s connection to the world, particularly enabling it to ship its commodity cotton crops from the plantations to the international cotton market via New Orleans and ultimately Liverpool, England. The city’s commercial importance increased in the 1850s with the arrival of the railroad. In addition, textile mills were developed along the river, bringing industry to an area reliant upon agriculture. By 1860, the city was one of the more important industrial centers of the South, earning it the nickname the Lowell of the South, referring to an important textile mill town in Massachusetts.
When the Civil War broke out in 1861, the industries of Columbus expanded their production; this became one of the most important centers of industry in the Confederacy. During the war, Columbus ranked second to Richmond in the manufacture of supplies for the Confederate army. The Eagle Manufacturing Company made various textiles, especially woolens for Confederate uniforms. The Columbus Iron Works manufactured cannons and machinery for the nearby Confederate Navy shipyard, Greenwood and Gray made firearms, and Louis and Elias Haimon produced swords and bayonets. Smaller firms provided additional munitions and sundries. As the war turned in favor of the Union, each industry faced exponentially growing shortages of raw materials and skilled labor, as well as worsening financial opportunities.
Unaware of Lee’s surrender to Grant and the assassination of Abraham Lincoln, Union and Confederates clashed in the Battle of Columbus, Georgia, on Easter Sunday, April 16, 1865, when a Union detachment of two cavalry divisions under Maj. Gen. James H. Wilson attacked the lightly defended city and burned many of the industrial buildings. John Stith Pemberton, who later developed Coca-Cola in Columbus, was wounded in this battle. Col. Charles Augustus Lafayette Lamar, owner of the last slave ship in America, was also killed here. A historic marker erected in Columbus notes that this was the site of the “Last Land Battle in the War from 1861 to 1865”.
Reconstruction began almost immediately and prosperity followed. Factories such as the Eagle and Phenix Mills were revived and the industrialization of the town led to rapid growth, causing the city to outgrow its original plan. The Springer Opera House was built during this time, attracting such notables as Irish writer Oscar Wilde. The Springer is now the official State Theater of Georgia.
By the time of the Spanish–American War, the city’s modernization included the addition of a new waterworks, as well as trolleys extending to outlying neighborhoods such as Rose Hill and Lakebottom. Mayor Lucius Chappell also brought a training camp for soldiers to the area. This training camp, named Camp Benning, grew into present-day Fort Benning, named for General Henry L. Benning, a native of the city.
In the spring of 1866, the Ladies Memorial Association of Columbus passed a resolution to set aside one day annually to memorialize the Confederate dead. The secretary of the association, Mary Ann Williams, was directed to write a letter inviting the ladies of every Southern state to join them in the observance. The letter was written in March 1866 and sent to representatives of all of the principal cities in the South, including Atlanta, Macon, Montgomery, Memphis, Richmond, St. Louis, Alexandria, Columbia, and New Orleans. This was the beginning of the influential work by ladies’ organizations to honor the war dead.
The date for the holiday was selected by Elizabeth Rutherford Ellis. She chose April 26, the first anniversary of Confederate General Johnston’s final surrender to Union General Sherman at Bennett Place, North Carolina. For many in the South, that act marked the official end of the Civil War.
In 1868, General John A. Logan, commander in chief of the Union Civil War Veterans Fraternity called the Grand Army of the Republic, launched the Memorial Day holiday that is now observed across the entire United States. General Logan’s wife said he had borrowed from practices of Confederate Memorial Day. She wrote that Logan “said it was not too late for the Union men of the nation to follow the example of the people of the South in perpetuating the memory of their friends who had died for the cause they thought just and right.”
While two dozen cities across the country claim to have originated the Memorial Day holiday, Bellware and Gardiner firmly establish that the holiday began in Columbus. In The Genesis of the Memorial Day Holiday in America, they show that the Columbus Ladies Memorial Association’s call to observe a day annually to decorate soldiers’ graves inaugurated a movement first in the South and then in the North to honor the soldiers who died during the Civil War.
With the expansion of the city, leaders established Columbus College, a two-year institution, which later evolved into Columbus State University, now a comprehensive center of higher learning and part of the University System of Georgia.
The city government and the county consolidated in 1971, the first such consolidation in Georgia and one of only 16 in the U.S. at the time.
Expanding on its industrial base of textile mills, the city is the home of the headquarters for Aflac, Synovus, and TSYS.
From the 1960s through the 1980s, the subsidized construction of highways and suburbs resulted in drawing off the middle and upper classes, with urban blight, white flight, and prostitution in much of downtown Columbus and adjacent neighborhoods. Early efforts to halt the gradual deterioration of downtown began with the saving and restoration of the Springer Opera House in 1965. It was designated as the State Theatre of Georgia, helping spark a movement to preserve the city’s history. This effort has documented and preserved various historic districts in and around downtown.
Through the late 1960s and early 1970s, large residential neighborhoods were built to accommodate the soldiers coming back from the Vietnam War and for those associated with Fort Benning. These range from Wesley Woods to Leesburg to Brittney and Willowbrook and the high-end Sears Woods and Windsor Park. Large tracts of blighted areas were cleaned up. A modern Columbus Consolidated Government Center was constructed in the city center. A significant period of urban renewal and revitalization followed in the mid- to late 1990s.
With these improvements, the city has attracted residents and businesses to formerly blighted areas. Municipal projects have included construction of a softball complex, which hosted the 1996 Olympic softball competition; the Chattahoochee RiverWalk; the National Civil War Naval Museum at Port Columbus; and the Coca-Cola Space Science Center. Other notable projects were the expansion of the Columbus Museum and road improvements to include a new downtown bridge crossing the Chattahoochee River and into Phenix City. During the late 1990s, commercial activity expanded north of downtown along the I-185 corridor.
During the 2000s, the city began a major initiative to revitalize the downtown area. The project began with the South Commons, an area south of downtown containing the softball complex, A. J. McClung Memorial Stadium, Golden Park, the Columbus Civic Center, and the Jonathan Hatcher Skateboard Park. The National Infantry Museum was constructed in South Columbus, located outside the Fort Benning main gate.
In 2002, Columbus State University, which previously faced expansion limits due to existing residential and commercial districts surrounding it, began a second campus downtown, starting by moving the music department into the newly-opened RiverCenter for the Performing Arts. The university’s art, drama, and nursing departments also moved to downtown locations. Such initiatives have provided Columbus with a cultural niche; downtown features modern architecture mixed among older brick facades.
The Ready to Raft 2012 project created an estimated 700 new jobs and is projected to bring in $42 million annually to the Columbus area. Demolishing an up-river dam allowed the project to construct the longest urban whitewater rafting course in the world. According to the Columbus Convention and Visitors Bureau, this initiative, in addition to other outdoor and indoor tourist attractions, led to around 1.8 million visitors coming to Columbus during the city’s 2015 fiscal year.
The city predicts that an additional 30,000 soldiers will be trained annually at Fort Benning in upcoming years due to base realignment and closure of other facilities. As a result, Columbus is expected to experience a major population increase.
Columbus is one of Georgia’s three Fall Line Cities, along with Augusta and Macon. The Fall Line is where the hilly lands of the Piedmont plateau meet the flat terrain of the coastal plain. As such, Columbus has a varied landscape of rolling hills on the north side and flat plains on the south. The fall line causes rivers in the area to decline rapidly towards sea level. Textile mills were established here in the 19th and early 20th centuries to take advantage of the water power from the falls.
Interstate 185 runs north-south through the middle of the city, with nine exits within Muscogee County. I-185 runs north about 50 mi (80 km) from its beginning to a junction with I-85 just east of LaGrange and about 60 mi (97 km) southwest of Atlanta. U.S. Route 27, U.S. Route 280, and Georgia State Route 520 (known as South Georgia Parkway) all meet in the interior of the city. U.S. Route 80 runs through the northern part of the city, locally known as J.R. Allen Parkway; Alternate U.S. Route 27 and Georgia State Route 85 run northeast from the city, locally known as Manchester Expressway.
The city is located at 32°29′23″N 84°56′26″W / 32.489608°N 84.940422°W.
According to the US Census Bureau, the city has a total area of 221.0 square miles (572 km), of which 216.3 square miles (560 km) are land and 4.7 square miles (12 km) (2.14%) are covered by water.
Columbus has a humid subtropical climate (Köppen Cfa). Daytime summer temperatures often reach highs in the mid-90°Fs, and low temperatures in the winter average in the upper 30s. Columbus is often considered a dividing line or “natural snowline” of the southeastern United States with areas north of the city receiving snowfall annually, with areas to the south typically not receiving snowfall every year or at all. Columbus is within USDA hardiness zone 8b in the city center and zone 8a in the suburbs.
Columbus is divided into five geographic areas:
The Columbus Metropolitan Area includes four counties in Georgia, and one in Alabama. The Columbus-Auburn-Opelika, GA-AL Combined Statistical Area includes two additional counties in Alabama. A 2013 Census estimate showed 316,554 in the metro area, with 501,649 in the combined statistical area.
At the 2020 United States census, there were 206,922 people, 73,134 households, and 45,689 families residing in the city.
At the 2010 U.S. Census, Columbus had a total population of 189,885, up from 186,291 in the 2000 Census. The 2010 Census reported 189,885 people, 72,124 households, and 47,686 families residing in the city. The population density was 861.4 inhabitants per square mile (332.6/km). The 82,690 housing units had an average density of 352.3 per square mile (136.0/km). The racial makeup of the city was 46.3% White, 45.5% African American, 2.2% Asian, 0.2% Native American, 0.14% Pacific Islander, and 1.90% from other races. Hispanics or Latinos of any race were 6.4% of the population.
Of the 69,819 households, 34.6% had children under the age of 18 living with them, 44.7% were married couples living together, 19.6% had a female householder with no husband present, and 31.7% were not families; 26.7% of all households were made up of individuals, and 9.4% had someone living alone who was 65 years of age or older. The average household size was 2.54 and the average family size was 3.08.
In the city, the population was distributed as 25.6% under the age of 18, 11.9% from 18 to 24, 29.8% from 25 to 44, 19.7% from 45 to 64, and 11.6% who were 65 years of age or older. The median age was 33 years. For every 100 females, there were 94.7 males. For every 100 females age 18 and over, there were 91.6 males.
The median income for a household in the city was $41,331, and for a family was 41,244. Males had a median income of $30,238 versus $24,336 for females. The per capita income for the city was $22,514. About 12.8% of families and 15.7% of the population were below the poverty line, including 22.0% of those under age 18 and 12.1% of those age 65 or over.
Columbus has roughly 200 Christian churches, with the Southern Baptist Convention being the largest denomination by number of churches. Columbus is also home to three Kingdom Halls for Jehovah’s Witnesses, and one Greek Orthodox Church. Other religions are represented by two synagogues, two Seventh-day Adventist churches, three mosques, a Hindu temple (the latter two reflecting an increasing number of immigrants in the region from Asia), and a Unitarian Universalist congregation.
Companies headquartered in Columbus include Aflac, TSYS, Realtree, Synovus, and the W. C. Bradley Co.
According to Columbus’ 2017 Comprehensive Annual Financial Report, the top employers in the city are:
Columbus is served by one major indoor shopping mall, Peachtree Mall, which is anchored by major department stores Dillard’s, Macy’s, and J.C. Penney. The total retail floor area is 821,000 ft (76,300 m). Major strip malls include Columbus Park Crossing, which opened in 2003, and The Landings, which opened in 2005. Columbus is also served by The Shoppes at Bradley Park, a lifestyle center.
MidTown contains two of the city’s early suburban shopping centers (the Village on 13th and St. Elmo), both recently renovated and offering local shops, restaurants, and services.
Major venues in the city of Columbus:
Columbus is home to nine historic districts, all listed in the National Register of Historic Places listings in Muscogee County, Georgia. They are:
Columbus is home to upwards of 50 parks, four recreation centers, four senior centers and parks, and Standing Boy Creek Wildlife Management Area.
The Chattahoochee River whitewater opened in 2012. After both the Eagle & Phenix Dam and the City Mills Dams were breached, river flow was restored to natural conditions, allowing the course to be created. The 2.5-mile (4.0 km) course is the longest urban whitewater rafting and kayaking in the world, and has been ranked the world’s best manmade whitewater course by USA Today. It also features the Blue Heron Adventure, a zip-line course connecting users from the Georgia side of the river to the Alabama side on an interstate zip-line over the Chattahoochee River. The course continues with several zip-lines and a ropes course on the Alabama side and completes with another zip-line back to Georgia.
It has become a hub for whitewater kayakers, with outstanding standing waves year-round. In mid-winter it is referred to as the “Wintering Grounds” for big wave surfing athletes and enthusiasts.
The city council of Columbus, known as the Columbus Council, is composed of ten elected council members, eight of whom serve individual districts and two of whom serve the city at large.
The Muscogee County School District holds preschool to grade 12, and consists of 35 elementary schools, 12 middle schools, and nine high schools. The district has over 2,000 full-time teachers and over 31,899 students.
Columbus is served by four branches of the Chattahoochee Valley Libraries:
The Columbus Airport (IATA: CSG, ICAO: KCSG, FAA LID: CSG) is the metro area’s primary airport and the fourth-busiest airport in Georgia. It is located just off I-185, exit 8. It is served by Endeavor Air’s Delta Connection service, offering several daily flights to Atlanta.
Through the 1960s, passenger trains of the Central of Georgia Railway made stops at Columbus Union Station, including the north-south Chicago-Florida trains, the Illinois Central Railroad’s City of Miami, and Seminole. Other trains included local Central of Georgia trains to Atlanta, Albany and Macon. The final trains in 1971 were the City of Miami and the Man O’ War to Atlanta.
Columbus has these official sister cities:
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.
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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.