Owner Operator Insurance Cost Daphne, Alabama
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Daphne, 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 Daphne, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Daphne, 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
- Berkley Prime
- Falls Lake
- Great Lakes
- Allied World
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Tokio Marine
- National General
- Great American
- ACE / Westchester
- National Casualty / Nationwide
- Scottsdale Brokerage
- Crum Forster
- James River
- IFG – Burlington
- Carolina Casualty
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.
- 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.
- 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.
- 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.
Daphne is a city in Baldwin County, Alabama, United States, on the eastern shoreline of Mobile Bay. The city is located along I-10, 11 miles east of Mobile and 170 miles southwest of the state capital of Montgomery. The 2010 United States Census lists the population of the city as 21,570, making Daphne the most populous city in Baldwin County. It is a principal city of the Daphne-Fairhope-Foley metropolitan area, which includes all of Baldwin County.
The inhabited history of what is now called Daphne dates at least to the Paleo-Indian period and Native American tribes around 9000 BC. Modern-day Daphne is a thriving suburb of nearby Mobile. Daphne has adopted the nickname ″The Jubilee City″ in recognition of its status as one of the locations of the Mobile Bay jubilee. The only other place jubilees occur is in Tokyo Bay.
Daphne and the surrounding regions have been populated since from at least 9,000 BCE. European settlers eventually displaced the Native Americans. After a variety of wars and treaties the area became part of the United States in 1814. Except for a period under the flag of the Confederate States of America, Daphne and its environs have remained part of the United States until this time. From Native American, to the Spanish, French and British, the city has seen a lengthy parade of historic influences which gives Daphne its present character.
Early settlers to the region were hunter-gatherer tribes similar to those in North Alabama. A variety of Native American populations visited the area that would become Daphne including Tensaw, Choctaw, Creek and Seminole. This area came to be known as neutral ground where tribes would meet and discuss the relationships between their nations. Small groups worked together to acquire food and to provide for their families. Initially, these groups enjoyed an economy based upon hunting and scavenging but as time passed production of weapons and pottery became more advanced. During the late Woodland stage Native Americans began to practice more elaborate ritual services. Although no burial grounds are known in Daphne, they are scattered throughout nearby Baldwin County.
By 1500, the zenith of Native American culture in South Alabama, it is estimated that a community of about 5,000 lived within 50 miles of the seacoast. These peoples were among the first who met Spanish explorer Hernando de Soto in 1540. From this meeting forward, the original settlers faced a disaster from which they did not recover.
Daphne and the surrounding land shifted between English, French, Spanish and United States control.
The Spanish were the first European settlers to the area of Daphne arriving in 1557. Spanish control in the area was weak and in 1710 French explorers claimed Mobile Bay, the Eastern Shore of the Bay including Daphne, and land east to Perdido Bay. The French claim was largely uncontested by the Spanish. In 1763, the British were ceded land, including the future Daphne, from the French in the Treaty of Paris (1763). The community of Daphne was established the same year and was known simply as the Village. Inasmuch as the British occupied nearby Mobile at the end of the Seven Years’ War, Daphne passed into British hands, and served as the eastern terminal of a ferry across Mobile Bay.
British rule ended in 1783 when the area was surrendered to Spain by the Treaty of Paris (1783). The area remained under Spanish control for over 30 years. In November 1814, U.S. General Andrew Jackson crossed the bay with 3,000 troops, marched east to Pensacola and defeated the British thus finalizing American control over Daphne.
Secession and the Civil War came quickly following the election of 1860. Statistics are not available for Daphne, but in Baldwin County 65% of homes held at least one slave. On January 11, 1861 Alabama seceded from the Union. It joined the Confederate States of America on March 13, 1861.
The town was named the county seat of Baldwin County, Alabama, in 1868 after the previous county seat, Blakeley, was deserted following the Civil War. At that time, Daphne was known as The Village of Bell Rose. Daphne was officially named and established, although unincorporated, on April 9, 1874, when the Post Office for Daphne was opened.
Baldwin County saw many distinct immigrant groups moving into the area in the late 19th century, particularly from Western Europe, and Daphne was the site of the first group which arrived in 1888. Alesandro Mastro Valero purchased land in Daphne to locate a refuge for Italian immigrants looking for a more pastoral alternative to the large urban cities of the north. In June 1895, land was purchased in Daphne for a Catholic church in what is now the center of Old Daphne to be built by the early Italian colonists. Father Angelo Chiariglione, a Scalbrini missionary from Torino, Italy, was the first resident pastor (1898–1909) of the church, known as the Church of the Assumption. This small-town church quickly gained the recognition of the Queen of Italy, Margherita of Savoy, who in 1898 sent a gift of rich vestments, an illuminated missal, a chalice, monstrance, candlesticks and other articles, and all are still on display in the present Christ the King Catholic Church, the cornerstone of which was laid in 1937.
Daphne remained the county seat until a legislative act of 1900, when the county seat was moved to Bay Minette. Daphne residents resisted the change and would not allow the county records to be removed. Those records were taken in a late night raid and moved to Bay Minette. According to another account, given in 1956 in an interview of one of the persons involved in the transfer, there was no raid; the arrangements for the move were made in advance between officials in both towns, and the county records were quietly loaded into wagons over a five-hour period on the evening of October 11, 1901, and then driven to Bay Minette the next day.
On July 8, 1927, Daphne was incorporated with a request for incorporation signed by 41 landowners. The initial population was listed as 500 residents. On September 19, 1927, the town held its first election. The first Mayor was James M. Voltz. An attempt in 1946 to revoke incorporation by unhappy residents failed.
In July 1997, Hurricane Danny struck the gulf coast bringing high winds and rains to the area. Due to the abnormal development of the storm, winds blew water out of Mobile Bay making it almost possible to walk across the bay. Hurricane Ivan made landfall in September 2004, south of Daphne near Gulf Shores, Alabama. The category 3 storm brought widespread flooding and damage throughout Daphne. The next year, Daphne weathered some effects of Hurricane Katrina although not nearly as severe as the 2004 storm.
In February 2008, Daphne became the last of the large cities in Baldwin County to enact a public smoking ban. After contentious council meetings, the ban was passed while exempting bars, private clubs and up to 30% of rooms in a hotel.
In November 2010, the Daphne City Council enacted a ban against texting while driving, becoming the first Mobile-area municipality to do so.
Daphne is located at 30°37’52.640″ North, 87°53’11.184″ West (30.631289, -87.886440). It is one of three cities that are collectively known as the Eastern Shore by locals. They are Spanish Fort to the north, Daphne in the center and Fairhope to the south.
The topography of Daphne is quite consistent from a gently sloping sea level on the west to low rolling hills further east. Generally, the entire city lies no more than 150 feet above sea level. The land along the Daphne bay coast, like other land throughout the county, is rich with sandy-loam type soils.
According to the U.S. Census Bureau, the city has a total area of 14.1 square miles (37 km), of which 13.5 square miles (35 km) are land and 0.6 square miles (1.6 km) (4.47%) is water.
Daphne is also known as the “Jubilee City.” A Jubilee in Mobile Bay occurs when crab, shrimp, and other sea life from the waters of Mobile Bay are suddenly found washed ashore along the coastline. Biologists believe the phenomenon is due to a possible decrease in water oxygen levels which force the fish to the surface.
Nearby communities include: Fairhope, Spanish Fort, Loxley, Mobile,
Point Clear, Robertsdale, Silverhill, Summerdale, Gulf Shores, Orange Beach, Bay Minette, Foley, Magnolia Springs, Elberta, Belforest, and Malbis.
Daphne, like the surrounding Baldwin and Mobile counties, was settled by persons of varying nationalities who eventually melded into the American experiment.
As of the 2020 United States census, there were 27,462 people, 9,457 households, and 6,254 families residing in the city.
As of the census of 2010, there were 21,570 people, 6,563 households, and 4,670 families residing in the city. The population density was 1,230.5 inhabitants per square mile (475.1/km). There were 10,113 housing units in the city. The racial makeup of the city was 84.10% White, 11.8% Black or African American, 1.51% Asian, 0.40% Native American, 0.01% Pacific Islander, 0.9% from other races, and 1.2% from two or more races. 2.9% of the population were Hispanic or Latino of any race.
There were 8,889 households, out of which 28.8% had children under the age of 18 living with them, 52.5% were married couples living together, 10.4% had a female householder with no husband present, and 33.5% were non-families. 28.1% of all households were made up of individuals living alone, and 9.3% had someone living alone who was 65 years of age or older. The average household size was 2.41 and the average family size was 2.97.
In the city, the population was spread out, with 25.6% under the age of 18, 6.9% from 18 to 24, 31.6% from 25 to 44, 25.6% from 45 to 64, and 10.3% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 94.9 males. For every 100 females age 18 and over, there were 92.4 males.
The median income for a household in the city was $52,603, and the median income for a family was $61,563. Males had a median income of $46,576 versus $29,052 for females. The per capita income for the city was $25,597. About 2.6% of families and 4.5% of the population were below the poverty line, including 4.5% of those under age 18 and 7.0% of those age 65 or over.
Daphne’s growth, along with the growth of other Eastern Shore communities, has been linked to the growth of nearby Mobile. For years the Eastern Shore communities were a quick vacation destination but as the large municipality grew, Daphne grew too.
Daphne is a suburb of nearby Mobile, Alabama. In 2007, Daphne saw retail sales of $653,422,000 or $34,438 per capita which compares favorably to the national average of $12,364. The median household income was $62,376 against a national average of $42,934, both measured through the 2007–2011 period. The home ownership was 74.6% and the median home value (2007–2011) was $187,000. The city is part of the Daphne-Fairhope-Foley metropolitan statistical area and was named among the top 10 such areas nationwide by Site Selection Magazine. The ranking is for areas with less than 200,000 population and is based upon the number of companies either expanding or relocating to the area.
Primary employment in Daphne is divided among education, healthcare and social assistance employers. Retail trade operations are a close second. Agriculture, once a primary foundation of the Daphne economy, now represents less than 0.6% of economic output. The economy is further supported by access to nearby Mobile, and large retail operations in Spanish Fort, just to the north. The largest employer in the county is the Baldwin County Board of Education which supports over 3,000 employees in Baldwin County. 70% of the $305 million budget pays salaries countywide
Like much of the nation, Daphne saw the economy plummet during the 2008 recession. Commercial real estate prices were especially hard hit. Investors who looked for a continued rise in values in Daphne were surprised to see their investments bottom out by 2012. However construction is underway by Airbus to build the A320 commercial jet at nearby Brookley Field in Mobile. That assembly plant is expected to generate 1,000 new jobs by 2018 and is expected to positively impact Daphne and the entire Baldwin County.
Daphne has a number of public parks, which include the following:
The Daphne Civic Center is a city-owned facility used to host a variety of recurring special events in the community. Constructed at a cost of $6 million, it opened to the public in December 1999. A senior citizens activity center and the Daphne Public Library are also located in the civic center complex.
Daphne is incorporated in Baldwin County, Alabama. It is governed by a mayor and city council, both of which are elected by popular vote every four years. A semi-autonomous Utilities Board and Zoning Commission support the governance of the city.
Daphne’s current mayor is Robin LeJeune who is serving his first term as Mayor. Mayor LeJeune also served as council member and Council President. LeJeune was elected in the 2020 municipal election.
A seven-member city council serves the city of Daphne. Council members are selected within districts. Based upon the August 2012 election the council is composed of the following: district one councilwoman Tommie Conaway, district two councilman Steve Olen, district three councilman Joel Coleman, district four councilman Doug Goodlin, district five councilman and council president Ron Scott, and district six councilwoman Angie Phillips.
A semi-autonomous Utilities Board and Zoning Commission support the governance of the city.
Daphne is part of Alabama’s 1st congressional district and is represented by Congressman Jerry Carl.
Public schools in Daphne are part of the Baldwin County Board of Education system which serves over 30,000 students throughout the county. The 2013–2014 budget was $305 million.
There are three elementary schools: Daphne East Elementary School (K-6), Daphne Elementary School North Campus (K-3) and W.J. Carroll Intermediate School (Daphne South) (4-6). Daphne Middle School serves 7th and 8th grade while Daphne High School educates grades 9-12. Three private schools serve the Daphne area, Bayside Academy (K-12), Christ the King Catholic School (K-8), and Bayshore Christian School (PreK-12). A highly regarded public secondary school, Daphne High School extends progressive and globally-oriented offerings in its curriculum, such as its then-controversial Arabic language classes begun in August 2013.
Two schools offer collegiate curriculum in Daphne. Huntingdon College has a comprehensive graduate school in Daphne that focuses on business and professional graduate programs. The United States Sports Academy is an independent school offering sport-specific residential and online distance learning programs. In addition, it houses the American Sport Art Museum and Archives.
For many years Daphne was isolated from the larger city of Mobile. A ferry was the only mode of transport from the eastern shore to the western shore. In 1929 a toll bridge was opened which crossed into Mobile. That bridge was replaced by the Cochrane-Africatown bridge. Also in 1929, US 98 was paved from Pensacola, through Daphne and into Mobile.
Interstate 10 travels near the northern border of Daphne. There are three exits into Daphne including intersections with US 98, US 90 and AL 181. Major routes within the city are grid style and include Baldwin County 13, Whispering Pine Road and Daphne Avenue.
The city is served by the Baldwin Rural Area Transportation Service, BRATS, a fare-based bus service which connects most cities in Baldwin County. Service also includes connector service to Mobile.
There is no rail or air service in Daphne. Scheduled commercial air service is offered at Mobile Regional Airport and the Pensacola International Airport. Both airports provide service to most major airline hubs.
Daphne Public Utilities provides water, sewer and natural gas services to the city. There are about 11,000 water customers, 10,000 sewer customers and 4,000 natural gas customers. The utility operates 12 water wells, seven waste treatment facilities and dozens of pumping stations throughout the city. In 2009, the Utilities board was selected by the Wall Street Journal as one of the top 35 small workplaces in America. In 2010 the U.S. Environmental Protection Agency named Daphne Utilities as the best large groundwater utility in eight southeastern states.
In October, 2013, Daphne Utilities approved a water and sewage rate hike of $21 million over three years. The rate hike will cover expenses related to expansion and compliance with federal regulations. The average increase will amount to $3.66 per month for the average residential customer.
Electrical service is provided by the Foley, Alabama based Riviera Utilities. Riviera resells electric current and has no generation facilities of its own. Landline telephone service is provided by AT&T. The city is in the 251 area code. Land based cable television service is provided by Mediacom.
Because of Daphne’s proximity to the coast, all utilities prepare for tropical storms and hurricanes which often impact delivery of services.
Daphne is served by numerous physicians, surgeons and dentists. Two urgent care facilities offer walk-in service. Outpatient services are provided for diagnostic and surgical interventions. The city is also served by Thomas Hospital, a level III, 150 bed hospital in Fairhope, Alabama, 5 miles to the south. Across the bay in Mobile, there are several tertiary care facilities.
Thomas Hospital is owned by Infirmary Health System of Mobile. The system was named one of the top 57 healthcare systems in the nation in 2011 while Thomas Hospital was ranked as one of the top 20 medium-sized hospitals.
Inpatient rehabilitation services are offered by Mobile Bay Rehabilitation located on the bay in Daphne. The hospital was previously known as Mercy Medical but was sold to SE Healthcare for $9.4 million in 2011. Outpatient rehabilitation services are offered through various practitioners and through physician offices.
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.
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?
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.