Owner Operator Insurance Cost Gainesville, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Gainesville, 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 Gainesville, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Gainesville, 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
- 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.
The city of Gainesville is the seat of government of Hall County, Georgia, United States. As of the 2020 census, the city had a population of 42,296. Because of its large number of poultry processing plants, it has been called the “Poultry Capital of the World.” Gainesville is the principal city of the Gainesville, Georgia Metropolitan Statistical Area, which is included in the Atlanta–Sandy Springs–Gainesville, Georgia Combined Statistical Area.
Gainesville was established as “Mule Camp Springs” by European-American settlers in the early 1800s. Less than three years after the organization of Hall County on December 15, 1818, Mule Camp Springs was renamed “Gainesville” on April 21, 1821. It was named in honor of General Edmund P. Gaines, a hero of the War of 1812 and a noted military surveyor and road-builder. Gainesville was selected to be the county seat and chartered by the Georgia General Assembly on November 30, 1821.
A gold rush that began in nearby Lumpkin County in the 1830s resulted in an increase in the number of settlers and the beginning of a business community. In the middle of the 19th century, Gainesville had two important events. In 1849, it became established as a resort center, with people attracted to the springs. In 1851, much of the small city was destroyed by fire.
After the Civil War, Gainesville began to grow from 1870. In 1871 The Atlanta and Richmond Air-Line Railway, later re-organized into The Atlanta and Charlotte Air Line Railroad, began to stop in Gainesville, increasing its ties to other markets and stimulating business and population. It grew from 1,000 in 1870, to over 5,000 by 1900.
By 1898, textile mills had become the primary driver of the economy, with the railroad integral to delivering raw cotton and carrying away the mills’ products. With the revenues generated by the mills, in 1902, Gainesville became the first city south of Baltimore to install street lamps. On March 1, 1905, free mail delivery began in Gainesville, and on August 10, 1910, the Gainesville post office was opened. On December 22, 1915, the city’s first high-rise, the Jackson Building, had its formal opening. In 1919 Southern Bell made improvements to the phone system.
City services began in Gainesville on February 22, 1873, with the election of a City Marshal, followed by solid waste collection in 1874. In 1890, a bond issue to fund the waterworks was passed, and the original water distribution system was developed.
In 1943, at the height of World War II, Gainesville contributed to the war effort by leasing the airport to the US government for $1.00. The military used it as a naval air station for training purposes. In 1947, the airport was returned to the city of Gainesville, improved by the addition of two 4,000-foot (1,200 m) landing strips (one of which was later lengthened to 5,500 feet (1,700 m)).
After World War II, a businessman named Jesse Jewell started the poultry industry in north Georgia. Chickens have since become the state’s largest agricultural crop. This $1 billion a year industry has given Gainesville the title “Poultry Capital of the World”.
In 1956, the U.S. Army Corps of Engineers constructed Lake Sidney Lanier, by building Buford Dam on the Chattahoochee River. During the 1996 Summer Olympics, Gainesville served as the venue for the rowing and kayaking medal competitions, which were staged on Lake Lanier.
Gainesville gained accreditation of its Parks and Recreation Department in 2001. This was the third department in the state to be accredited. The Lakeside water treatment plant opened in 2002. The city has sponsored new social activities, including the Spring Chicken Festival in 2003, the Art in the Square gathering in 2004, and “Dredgefest” in 2008.
2008 saw the reopening of the Fair Street Neighborhood Center, the reopening of the Linwood Water Reclamation Facility Grand, and the completion of the Longwood Park Fishing Pier.
On January 28, 2021, a poultry plant in Gainesville leaked liquid nitrogen killing 6 and hospitalizing 12.
Gainesville is located in central Hall County at (34.304490, -83.833897). It is bordered to the southwest by the city of Oakwood. Interstate 985/U.S. Route 23 passes through the southern part of the city, leading southwest 54 miles (87 km) to Atlanta and northeast 23 miles (37 km) to Baldwin and Cornelia. U.S. Route 129 runs through the east side of the city, leading north 24 miles (39 km) to Cleveland and southeast 21 miles (34 km) to Jefferson.
According to the United States Census Bureau, the city has a total area of 33.9 square miles (87.7 km), of which 31.9 square miles (82.7 km) are land and 1.9 square miles (5.0 km), or 5.75%, are water.
Nestled in the foothills of the Blue Ridge Mountains, parts of Gainesville lie along the shore of one of the nation’s most popular inland water destinations, Lake Lanier. Named after Confederate veteran, Georgia author and musician Sidney Lanier, the lake was created in 1956 when the U.S. Army Corps of Engineers dammed the Chattahoochee River near Buford and flooded the river’s valley. Although created primarily for hydroelectricity and flood control, it also serves as a reservoir providing water to the city of Atlanta and is a very popular recreational attraction for all of north Georgia.
Much of Gainesville is heavily wooded, with both deciduous and coniferous trees.
Much like the rest of northern Georgia, Gainesville has a humid subtropical climate (Köppen climate classification Cfa), with cool to mild winters and hot, humid summers.
While Gainesville does not sit in Tornado Alley, a region of the United States where severe weather is common, Supercell thunderstorms can sweep through any time between March and November, being primarily concentrated in the spring. Tornado watches are frequent in the spring and summer, with a warning appearing at least biannually, occasionally with more than one per year.
Tornado activity in the Gainesville area is above Georgia state average and is 108% greater than the overall U.S. average. Gainesville was the site of a deadly F4 on June 1, 1903, which killed 98 people. Gainesville was the site of the fifth deadliest tornado in U.S. history in 1936, in which Gainesville was devastated and 203 people were killed. In April 1974, an F4 tornado 22.6 miles away from the Gainesville city center killed six people and injured thirty. In December 1973, an F3 tornado 2.1 miles away from the city center injured twenty-one people. Both storms caused between $500,000 and $5,000,000 in property damages.
The poultry farming industry in Gainesville began to develop after World War II, when Jesse Jewell, a Gainesville feed salesman, began his business. The format he developed was to sell North Georgia farmers baby chicks and feed on credit. When the chicks were grown, Jewell would buy back the adult chickens (broilers) at a price that would cover his costs and guarantee farmers a profit. Once Jewell signed on enough farmers to produce broilers for him, he invested in his own processing plant and hatchery.
As of 2013, poultry farming remains a significant economic driver in Gainesville, representing six of its top ten employers (7,600 employees), nearly one-quarter of the total population in the city in 2010 (and a higher proportion of the working-age population). It is the most well-known business in the area, with statewide revenue exceeding $3 billion. These jobs have attracted numerous Hispanic workers, adding to the diversity of families in the city and county. The proportion of Hispanic and Latino residents is more than 40 percent of the city’s population, where the jobs are.
According to Gainesville’s 2012 Comprehensive Annual Financial Report, the top employers in the city are:
Gainesville is the home of the Gainesville Theater Alliance (GTA), which is a partnership between Brenau University, the University of North Georgia, Theatre Wings, and the Professional Company. This coalition provides theatrical entertainment for the entire Gainesville area. GTA utilizes both professional and student actors in its productions and their performances have been nationally acclaimed.
The Northeast Georgia History Center is a museum established by Brenau University in Downtown Gainesville that focuses on the heritage of the Northeast Georgia region. Some notable exhibits include the Land of Promise and Northeast Georgia Sports Hall of Fame.
The Arts Council is a non-profit organization focused on providing Gainesville residents with a broad variety of visual, performing, and literary arts. The Atlanta Symphony Orchestra has been known to perform at this location. The Arts Council is located in the Smithgall Arts Center, which is a former two-story train depot that the Arts Council purchased from CSX Transportation in 1992.
The Quinlan Visual Arts Center is a non-profit arts association initially founded as the Gainesville Arts Association in 1942. The Quinlan Visual Arts Center acts as an exhibit, with multiple galleries on display throughout the year, as well as an event center. It is also an affiliate of the Arts Council and provides art classes for both children and adults.
The Gainesville Symphony Orchestra (GSO) was a volunteer orchestra founded in 1982 as the Lanier Symphony Orchestra. However, due to a lack in funding during the Great Recession, the GSO shut down in 2013 after almost 30 years of operation.
Gainesville is also home to the Gainesville Ballet Company which is a partnership with Brenau University and the Gainesville School of Dance. One of their more popular performances throughout the year is Tchaikovsky’s The Nutcracker.
Alta Vista Cemetery is a graveyard located just outside Downtown Gainesville. The famous Confederate general James Longstreet is buried here. Other notable gravesites include: several Georgia governors, an astronaut, a rocket scientist, a circus performer, and that of poultry pioneer Jesse Jewell (whom Jesse Jewell Parkway, Gainesville’s main thoroughfare, is named after).
As of the 2020 United States census, there were 42,296 people, 13,314 households, and 8,796 families residing in the city.
As of the census of 2010, there were 33,804 people, 11,273 households, and 7,165 families residing in the city. The population density was 1.161.6 people per square mile (450.7/km). There were 12,967 housing units at an average density of 445.6 per square mile (172.0/km). The racial makeup of the city was 54.2% White, 15.2% African American, 0.6% Native American, 3.2% Asian, 0.2% Pacific Islander, 23.4% from other races, and 3.2% from two or more races. Hispanic or Latino residents of any race were 41.6% of the population.
There were 11,273 households, out of which 30.3% had children under the age of 18 living with them, 39.3% were married couples living together, 18.2% had a female householder with no husband present, and 36.4% were non-families. 28.9% of all households were made up of individuals, and 3.64% had someone living alone who was 65 years of age or older. The average household size was 2.85 and the average family size was 3.55.
Age distribution was 33.9% under the age of 20, 9.5% from 20 to 24, 29.2% from 25 to 44, 16.7% from 45 to 64, and 10.5% who were 65 years of age or older. The median age was 29.5 years. For every 100 females, there were 91.6 males. For every 100 females age 20 and over, there were 84.4 males.
The median income for a household in the city was $38,119, and the median income for a family was $43,734. Males had a median income of $26,377 versus $20,531 for females. The per capita income for the city was $19,439. About 24.9% of families and 29.1% of the population were below the poverty line, including 40.7% of those under age 18 and 17.6% of those age 65 or over. In May 2013, the unemployment rate was 6.9%, less than the overall rate in Georgia of 8.3%, the US of 7.6%
Of the population aged 15 years and over, 31.0% have never been married; 50.0% are now married; 2.4% are separated; 7.7% are widowed; and 9.9% are divorced.
Gainesville is home to the Northeast Georgia Medical Center Gainesville, which houses a Level I Trauma Center and the Georgia Heart Center.
Arrendale State Prison of the Georgia Department of Corrections is a women’s prison located in unincorporated Habersham County, near Alto, and in the Gainesville area.
Three African Americans, Beulah Rucker, E. E. Butler, and Ulysses Byas were educational pioneers in Gainesville and Hall County. Rucker founded Timber Ridge Elementary School, the first school for Black children in Gainesville, in 1911. In 1951 she established a night high school for African-American veterans, which was the only High School for veterans in Georgia. E. E. Butler served as an educator for just one year before earning his Physician’s license. In 1954, he became one of two who became the first Black men on the Gainesville City Schools Board of Education, a very unusual situation in the United States. When the schools were integrated in 1969, Byas, like most Black school principals was offered a demotion. Rather than take a job as an assistant principal at Gainesville High School, he moved to Tuskegee, Alabama, where he became the nation’s first Black school superintendent.
E. E. Butler High School was a segregated school created in 1962 in response to court demands for equalization of resources for Black students. After the integration of public schools, it was closed in 1969.
The Gainesville City School District holds pre-school to grade twelve, and consists of five elementary schools, a middle school, and a high school. The district has 282 full-time teachers and over 4,438 students. Its lone high school, Gainesville High School boasts several notable alumni, including Deshaun Watson, Texans quarterback, Cris Carpenter, former professional baseball player (St. Louis Cardinals, Florida Marlins, Texas Rangers, Milwaukee Brewers), Tasha Humphrey, professional basketball player, and Micah Owings, current professional baseball player (Arizona Diamondbacks, Cincinnati Reds, San Diego Padres). The mascot for Gainesville High School is the Red Elephant.
The Hall County School District holds pre-school to grade twelve, and consists of twenty-one elementary schools, six middle schools, and seven high schools. The district has 1,337 full-time teachers and over 21,730 students. The high schools in this district have produced a number of notable alumni including, Connor Shaw, starting quarterback for the University of South Carolina Gamecocks football team; Casey Cagle, Lt. Governor, State of Georgia; James Mills, Georgia State Representative; A.J. Styles, professional wrestler; Deshaun Watson, starting quarterback for the Houston Texans, Mike “MoonPie” Wilson, former NFL football player; Chester Willis, former NFL football player; Jody Davis, former catcher for Chicago Cubs and Atlanta Braves baseball teams; Billy Greer, bass guitarist for progressive rock band Kansas; Corey Hulsey, former NFL Oakland Raiders football player; Robin Spriggs, author and actor; and Martrez Milner, American football tight end.
Gainesville has three private schools: Riverside Military Academy which is a private, college preparatory, boarding and day school for boys in grades 7 through 12; Lakeview Academy, a private, nondenominational, college preparatory school; and Brenau Academy, a female, college preparatory, residential school for grades 9–12, which is a part of the Brenau University system.
Gainesville has several institutions of higher education: University of North Georgia (formerly Gainesville State College), which was established January 8, 2013, as a result of the consolidation of North Georgia College and State University and Gainesville State College; Brenau University, a private, not-for-profit, undergraduate- and graduate-level higher education institution; the Interactive College of Technology; and Lanier Technical College.
Established in 2005, the Public Defender’s Office at Gainesville provides representation for persons accused of felony offenses in Hall County. Attorneys from the office have been recognized for their community involvement, as well as for their acumen in the courtroom. In 2008, a first-year attorney successfully challenged the Sex Offender Registration Law in the Georgia Supreme Court.
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.