Owner Operator Insurance Cost Fort Bragg, North Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Fort Bragg, North Carolina. 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 Fort Bragg, North Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Fort Bragg, North Carolina 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.
Fort Liberty, formerly Fort Bragg, is a military installation of the United States Army in North Carolina, and is one of the largest military installations in the world by population, with around 29,000 military personnel. The military reservation is located within Cumberland and Hoke counties, and borders the towns of Fayetteville, Spring Lake, and Southern Pines.
Fort Liberty covers over 251 square miles (650 km). It is the home of the Army’s XVIII Airborne Corps and is the headquarters of the United States Army Special Operations Command, which oversees the U.S. Army 1st Special Forces Command (Airborne) and 75th Ranger Regiment. It is also home to the U.S. Army Forces Command, U.S. Army Reserve Command, and Womack Army Medical Center. Fort Liberty maintains two airfields: Pope Field, where the United States Air Force stations global airlift and special operations assets as well as the Air Force Combat Control School, and Simmons Army Airfield, where Army aviation units support the needs of airborne and special operations forces on post.
Camp Bragg was established in 1918 as an artillery training ground. The Chief of Field Artillery, General William J. Snow, was seeking an area having suitable terrain, adequate water, rail facilities, and a climate suitable for year-round training, and he decided that the area now known as Fort Liberty met all of the desired criteria. Camp Bragg was named for Braxton Bragg, a former U.S. Army artillery commander and West Point graduate who later fought for the Confederacy during the American Civil War.
The aim was for six artillery brigades to be stationed there and $6,000,000 was spent on the land and cantonments. There was an airfield on the camp used by aircraft and balloons for artillery spotters. The airfield was named Pope Field on 1 April 1919, in honor of First Lieutenant Harley H. Pope, an airman who was killed while flying nearby. The work on the camp was finished on 1 November 1919.
The original plan for six brigades was abandoned after World War I ended and once demobilization had started. The artillerymen, and their equipment and material from Camp McClellan, Alabama, were moved to Fort Bragg and testing began on long-range weapons that were a product of the war. The six artillery brigades were reduced to two cantonments and a garrison was to be built for Army troops as well as a National Guard training center. In early 1921 two field artillery units, the 13th and 17th Field Artillery Brigades, began training at Camp Bragg. The same year, the Long Street Church and six acres of property were acquired for the reservation. The church was listed on the National Register of Historic Places in 1974.
Due to the post-war cutbacks, the camp was nearly closed for good when the War department issued orders to close the camp on 7 August 1921. General Albert J. Bowley was commander at the camp and after much campaigning, and getting the Secretary of War to visit the camp, the closing order was canceled on 16 September 1921. The Field Artillery Board was transferred to Fort Bragg on 1 February 1922.
Camp Bragg was renamed Fort Bragg, to signify becoming a permanent Army post, on 30 September 1922. From 1923 to 1924 permanent structures were constructed on Fort Bragg, including four barracks.
By 1940, the year after World War II started, the population of Fort Bragg was 5,400 and by the following year had reached 67,000. Various units trained at Fort Bragg during World War II, including the 9th Infantry Division, 2nd Armored Division, 82nd Airborne Division, 100th Infantry Division, and various field artillery groups. The population reached a peak of 159,000 during the war years.
Following World War II, the 82nd Airborne Division was permanently stationed at Fort Bragg, the only large unit there for some time. In July 1951, the XVIII Airborne Corps was reactivated at Fort Bragg. Fort Bragg became a center for unconventional warfare, with the creation of the Psychological Warfare Center in April 1952, followed by the 10th Special Forces Group.
In 1961, the 5th Special Forces Group (Airborne) was activated at Fort Bragg, with the mission of training counter-insurgency forces in Southeast Asia. Also in 1961, the “Iron Mike” statue, a tribute to all Airborne soldiers, past, present, and future was dedicated. In early 1962 the 326 Army Security Agency Company, de-activated after the Korean War, was reactivated at Fort Bragg under XVIIIth Corps. In August of that year, an operational contingent of that Company was relocated to Homestead AFB Florida, due to the Cuban Missile Crisis. Circa 1963, that contingent was reassigned to the newly created USASA 6th Field Station. More than 200,000 young men underwent basic combat training here during the period 1966–70. At the peak of the Vietnam War in 1968, Fort Bragg’s military population rose to 57,840. In June 1972, the 1st Corps Support Command arrived at Fort Bragg.
In the 1980s, there was a series of deployments of tenant units to the Caribbean, first to Grenada in 1983, Honduras in 1988, and to Panama in 1989. The 5th Special Forces Group departed Fort Bragg in the late 1980s.
In 1990, the XVIII Airborne Corps and the 82nd Airborne Division deployed to Saudi Arabia in support of Operation Desert Shield and Operation Desert Storm. In the mid- and late 1990s, there was increased modernization of the facilities in Fort Bragg. The World War II wooden barracks were largely removed, a new main post exchange was built, and Devers Elementary School was opened, along with several other projects.
As a result of campaigns in Afghanistan and Iraq, the units on Fort Liberty have seen a sizeable increase to their operations tempo (OPTEMPO), with units conducting two, three, or even four or more deployments to combat zones. As directed by law, and in accordance with the recommendations of the 2005 Base Realignment and Closure Commission, Fort McPherson, Georgia, closed and U.S. Army Forces Command and U.S. Army Reserve Command relocated to Fort Bragg, North Carolina. A new FORSCOM/U.S. Army Reserve Command Headquarters facility completed construction at Fort Bragg in June 2011. Forces Command hosted 24 June 2011, an Army “Casing of the Colors” ceremony on Fort McPherson and an “uncasing of colors ceremony” on 1 August 2011, at Fort Bragg. On 1 March 2011, Pope Field, the former Pope Air Force Base, was absorbed into Fort Bragg.
On 1 January 2021, the United States Senate passed a veto override of the William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021. This new law mandated congress to establish a commission for the renaming of Department of Defense properties named after Confederate leaders. In March 2022, the commission published a list of 87 potential names for nine army installations: then-Fort Bragg, named after Confederate General Braxton Bragg, among them.
In May 2022, the commission officially recommended that Bragg be renamed Fort Liberty. The commission further gave the Pentagon until October to accept the name change; Secretary of Defense Lloyd J. Austin did so on 6 October 2022. Secretary Austin stated in the memorandum accepting the name change: “In the words of Admiral Michelle M. Howard, the Naming Commission’s chair, the commission’s goal was to inspire Service members and military communities ‘with names or values that have meaning.’ The Department’s implementation of the Commission’s recommendations will do just that – and will give proud new names that are rooted in their local communities and that honor American heroes whose valor, courage, and patriotism exemplify the very best of the United States military.” Fort Liberty is the only installation not to be named after a specific person or people.
According to a memorandum published by the Pentagon, the new name changes will cost the Department of Defense $62.5 million. In particular, the change to Fort Liberty will cost the Department of Defense $6,374,230, making it the most expensive name change. In accordance with the National Defense Authorization Act, the local garrison will have until early 2024 to complete the name change.
On 2 June 2023, Fort Liberty officially adopted its new name in a public ceremony.
2024 Republican presidential candidates Ron DeSantis and Mike Pence have both pledged to rename the base back to Fort Bragg if elected president.
The major commands at the installation are the United States Army Forces Command, the United States Army Reserve Command, and the United States Army Special Operations Command. Several airborne and special operations units of the United States Army are stationed at Fort Liberty, notably the 82nd Airborne Division, the 3rd Special Forces Group (Airborne), and the Delta Force. The latter is controlled by the Joint Special Operations Command, based at Pope Field within Fort Liberty.
Fort Liberty is at 35°8’21” north, 78°59’57” west (35.139064, −78.999143).
According to the United States Census Bureau, the post has a total area of 19.0 square miles (49.2 km), of which 19.0 square miles (49.1 km) of it is land and 0.1 square miles (0.26 km) of it is water. The total area is 0.32% water.
Kiest, Simmons, Boundary Line, McFayden, Hurley and Holland lakes are intensively managed to maintain fish populations. Croatan, Quail, Deer Pen, Overhills, Big Muddy, Little Muddy, Texas, MacArthur, Smith, Mott, and Lindsay lakes are managed, but are not normally treated or restocked since their fish populations are respectable and are maintained naturally. A 1.1 MW floating solar plant with a 2 MW battery was installed on Big Muddy lake for $36 million.
Fort Liberty is the only locality where the endangered Saint Francis’ satyr butterfly (Neonympha mitchellii francisci) is known to occur. St. Francis’ satyr is found in wetland habitats dominated by graminoids and sedges, such as abandoned beaver dams or along streams with beavers.
Fort Bragg fever, a bacterial zoonotic disease, has been named after it, in reference to an outbreak in 1942.
In 1990, the endangered red-cockaded woodpecker came under the protection of the U.S. Fish and Wildlife Service. This caused a tremendous problem for Fort Liberty, where many of these birds lived. Training stopped, ranges were closed, and troops were temporarily moved to other installations for training.
The Army and the conservationists eventually came to an agreement, which put in place training restrictions around the woodpeckers’ habitat. White stripes were painted on trees to indicate the location of the habitats, and restrictions limited the scope and duration of training that could take place within 200 feet (61 m) of these locations.
Today, the clusters of woodpeckers has more than doubled in size (200 to 493), and many of the training restrictions have been lifted.
As of the census of 2000, there were 29,183 people, 4,315 households, and 4,215 families residing on the base. The population density was 1,540.0 inhabitants per square mile (594.6/km). There were 4,420 housing units at an average density of 233.3 per square mile (90.1/km). Fort Bragg was not recorded as a census-designated place for the 2010 census.
In 2000, the racial makeup of the base was 58.1% European American, 25.3% African-American, 1.2% Native American, 1.8% Asian, 0.9% Pacific Islander, 8.3% from other races, and 4.4% from two or more races. 15.8% of the population were Hispanic or Latino of any race.
In 2000, there were 4,315 households, out of which 85.3% had children under the age of 18 living with them, 88.9% were married couples living together, 7.2% had a female householder with no husband present, and 2.3% were non-families. 2.1% of all households were made up of individuals, and 0.0% were someone living alone who was 65 years of age or older. The average household size was 3.72, and the average family size was 3.74.
The age distribution in 2000 was 25.8% under the age of 18, 40.9% from 18 to 24, 32.3% from 25 to 44, 1.1% from 45 to 64, and 0.1% who were 65 years of age or older. The median age was 22 years. For every 100 females, there were 217.1 males. For every 100 females age 18 and over, there were 293.5 males. All of these statistics are typical for military bases.
The median income for a household on the base at the 2000 census was $30,106, and the median income for a family was $29,836. 10.0% of the population and 9.6% of families were below the poverty line. Out of the total population, 11.4% of those under the age of 18 and 0.0% of those 65 and older were living below the poverty line.
Corvias-managed housing under IMCOM is attracting national attention because of reports of lead contamination, black mold, and asbestos from base residents.
Dependents of staff are educated by Department of Defense Education Activity (DoDEA) schools for K–8.
For high school students attend local public schools based on what county they reside in: Cumberland County Schools for Cumberland County residents, and Hoke County Schools for Hoke County residents. The Cumberland County parts of the military reservation are assigned to EE Smith High School.
The Linden Oaks area, within Harnett County, is in Harnett County Schools, and is assigned to Overhills High School.
Actress Martha Raye is buried on Fort Liberty in commemoration of her work with the USO during World War II and Vietnam.
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.