Owner Operator Insurance Cost Greenville, Mississippi
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Greenville, Mississippi. 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 Greenville, Mississippi with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Greenville, Mississippi 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.
Greenville is a city in and the county seat of Washington County, Mississippi, United States. The population was 34,400 at the 2010 census. It is located in the area of historic cotton plantations and culture known as the Mississippi Delta.
This area was occupied by indigenous peoples for thousands of years. When the French explored here, they encountered the historic Natchez people. As part of their colony known as La Louisiane, the French established a settlement at what became Natchez, Mississippi. Other Native American tribes also lived in what is now known as Mississippi.
The current city of Greenville is the third in the State to bear the name. The first, (known as Old Greenville) located to the south near Natchez, became defunct soon after the American Revolution, as European-American settlement was then still concentrated in the eastern states.
The second Greenville was founded in 1824 by American William W. Blanton, who filed for land from the United States government. He was granted section four, township eighteen, range eight west. This plot now constitutes most of downtown Greenville. It was named by its founders for General Nathanael Greene, friend of President George Washington, for whom the county was named.
Many migrants came to the area from the eastern and Upper South states, seeking land for developing cotton plantations. In 1830 the United States Congress passed the Indian Removal Act, which authorized the government to make treaties to extinguish Native American land claims in exchange for lands west of the Mississippi River. They forced most of the Southeastern tribes to Indian Territory during the following decade.
The second town was thriving hamlet in the antebellum years, as cotton plantations developed in the area generated high profits for major planters. They built their wealth on the labor of enslaved African Americans.
Greenville was designated as the county seat in 1844. It had become a trading center for the region’s plantations. The two previous county seats, New Mexico and Princeton, had also been located along the Mississippi River, and had been eroded by the waters, to the point that they were destroyed. As county seat, it was the trading, business, and cultural center for the large cotton plantations that surrounded it. Most plantations were located directly on the Mississippi and other major navigable tributaries. The interior bottomlands were not developed until after the Civil War.
The town was destroyed during the Union Army’s actions related to the siege of Vicksburg. Troops from a Union gunboat landed at Greenville. In retaliation for being fired upon, they burned every building. The inhabitants took refuge in plantation homes of the area. When the war ended, veterans of Mississippi regiments returned to find Greenville in a state of ruin.
The former residents soon decided to build again. They chose a new site three miles away, at the highest point on the Mississippi River between the towns of Vicksburg and Memphis. Much of the land belonged to the Roach and Blanton families; the major part of the area selected was within property owned by Mrs. Harriet Blanton Theobald. She welcomed the idea of a new Greenville, and donated land for schools, churches and public buildings. She was called the “Mother of Greenville”. Major Richard O’Hea, who had planned the wartime defense fortifications at Vicksburg, was hired to lay out the new town.
Greenville recovered prosperity, still based on cotton, despite the decline in world markets for this commodity. In the early 20th century, its elite families had considerable political influence in the state, and US Senator Leroy Percy was from here. Several residences and other buildings from the late 19th and early 20th centuries have been listed on the National Register of Historic Places. It was a center of Delta culture in the early 20th century. This city adapted the former site to serve as industrial fill.
African Americans in the Delta developed rich varieties of innovative music. Nelson Street is a historic strip of blues clubs that drew crowds in the 1940s and 1950s to the flourishing club scene to hear Delta blues, big band, jump blues and jazz. Record companies came to Greenville to recruit talent. It was similar to Beale Street in mid-20th century Memphis.
In the early 21st century, the Mississippi Blues Commission was established to commemorate this music in the state’s history and culture. It has identified sites throughout the Delta as part of the Mississippi Blues Trail.
Southern Whispers Restaurant on Nelson Street in Greenville was the second site identified on this trail; this was a stop on the Chitlin’ Circuit in the early days of the blues. The historic marker in front of the restaurant commemorates its importance in the history of the blues in Mississippi.
In 2020 the city ordered churches to shut down to prevent the spread of COVID-19 and issued citations and fines to those attending a drive-in church gathering. The U.S. Justice Department intervened on behalf of the church.
Greenville is located on the eastern bank of Lake Ferguson, an oxbow lake left from an old channel of the Mississippi River.
One floating casino is located on the lake near the downtown area known as the Trop Casino Greenville, with a second just west of the city near the Greenville Bridge known as Harlow’s Casino Resort. Chicago Mill and Lumber Co. operated a lumber mill on the lake two-tenths of a mile south of the casino levee parking lot; the mill specialized in making hardwood boxes until it closed.
According to the United States Census Bureau, the city has a total area of 27.7 square miles (72 km), of which 26.9 square miles (70 km) is land and 0.8 square miles (2.1 km) (2.82%) is water.
As of the 2020 United States Census, there were 29,670 people, 12,142 households, and 7,405 families residing in the city.
As of the 2013 American Community Survey, there were 33,928 people living in the city. 75.9% were African American, 21.7% White, 0.0% Native American, 0.8% Asian, 0.9% from some other race and 0.7% from two or more races. 1.2% were Hispanic or Latino of any race.
As of the census of 2000, there were 41,633 people, 18,784 households, and 14,422 families living in the city. The population density was 1,548.8 inhabitants per square mile (598.0/km). There were 16,251 housing units at an average density of 604.6 per square mile (233.4/km). The racial makeup of the city was 28.92% White, 69.60% Black, 0.07% Native American, 0.71% Asian, 0.01% Pacific Islander, 0.20% from other races, and 0.49% from two or more races. Hispanic or Latino of any race were 0.71% of the population.
There were 14,784 households, out of which 35.8% had children under the age of 18 living with them, 37.8% were married couples living together, 27.7% had a female householder with no husband present, and 29.5% were non-families. Of all households, 25.8% were made up of individuals, and 10.4% had someone living alone who was 65 years of age or older. The average household size was 2.77 and the average family size was 3.34.
In the city, the population was spread out, with 31.4% under the age of 18, 10.1% from 18 to 24, 26.3% from 25 to 44, 20.5% from 45 to 64, and 11.8% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 85.4 males. For every 100 females age 18 and over, there were 77.5 males.
The median income for a household in the city was $25,928, and the median income for a family was $30,788. Males had a median income of $29,801 versus $20,707 for females. The per capita income for the city was $13,992. About 25.7% of families and 29.6% of the population were below the poverty line, including 38.2% of those under age 18 and 23.6% of those age 65 or over.
As of the census of 1990, there were 45,226 people living in the city. The racial makeup of the city was 59.41% (26,867) Black or African American, 39.54% (17,881) White, 0.08% (37) Native American, 0.41% (185) Asian, and 0.01% (4) from other races. 0.56% (252) were Hispanic or Latino of any race.
Greenville Mid Delta Regional Airport, located in unincorporated Washington County, northeast of downtown Greenville, serves the city and the Mississippi Delta region. Commercial passenger air service is currently provided by Contour Airlines with nonstop Embraer regional jet flights to Dallas/Fort Worth (DFW) and Nashville (BNA).
U.S. Highway 61, U.S. Highway 82 and the Great River Road (Mississippi Highway 1) are the main transportation arteries through the Greenville area. U.S. Highway 82 is a major part of the Mississippi Delta’s transportation network, as it connects to Interstate 55 and other major four-lane highways. In addition, the U.S. Highway 82 bypass is being constructed to provide a transportation route at the southern end of the Delta, connecting at the new Mississippi River Bridge and ending near Leland. The four-lane Greenville Bridge, a $206 million cable-stayed span crossing the Mississippi River into Arkansas, opened in 2010, replacing the two-lane Benjamin G. Humphreys Bridge, which opened in 1940.
The Columbus and Greenville Railway operates the Greenwood–Greenville rail line for freight traffic. North of Greenville, the Great River Railroad’s line to Rosedale branches off.
Circa 2008 there were ten grocery stores operated by ethnic Chinese people. There were 42 such stores in the city in 1951, but since then there had been a flight of ethnic Chinese from the Delta.
Most of Greenville is served by the Greenville Public School District, while a small portion of the city lies in the Western Line School District. Greenville High School is the public high school of the Greenville district, while O’Bannon High School serves Western Line residents.
The private schools, Washington School and Greenville Christian School, also serve the city, as well as St. Joseph Catholic School (K-12), a parochial school which is part of the Roman Catholic Diocese of Jackson. The diocese formerly operated Our Lady of Lourdes Elementary School, which merged into St. Joseph in 2016.
The Greenville Higher Education Center offers non-credit community courses and credit courses from Delta State University, Mississippi Delta Community College (MDCC), and Mississippi Valley State University. All of Washington County is in the service area of MDCC.
Delta Democrat Times is the daily newspaper of the town.
The Greenville Bucks were a minor-league baseball team in the Cotton States League from 1922 to 1955.
The Greenville Bluesmen were an independent minor league professional baseball team from 1996–2001 in Greenville.
The Mississippi Miracles, formerly the Mississippi Stingers, were an American Basketball Association franchise from 2004–2006 in Greenville.
Greenville will become host to a mega-sports complex for young athletes.
The Winterville Mounds Historic Site, with more than twelve earthwork mounds constructed by people of the Plaquemine Mississippian culture, is a survival north of the county seat of the deep indigenous history along the Mississippi River. This culture was particularly prominent from 13th to the 15th centuries, long before European exploration. Earthwork mounds were built by peoples in this area from the 9th century. The people in this region were influenced by the larger Mississippian culture, which built similar ceremonial sites throughout the Mississippi Valley and its tributaries. The historic Natchez people are considered the only contemporary surviving group of the Mississippian culture at the time of European exploration.
The Winterville Mounds has been designated as a state park and National Historic Landmark. A museum on the grounds displays artifacts recovered in professional excavations and adds to the interpretation of this complex, and the park has walking trails. It is located about 3 miles north of the city. It can be reached at 2415 Highway 1 N.
The movies Crossroads (1986) and The Reivers (1969) were filmed in Greenville.
Also, the 1975 song “Mississippi” by the Dutch band Pussycat mentions Greenville throughout the song.
The movie Django Unchained (2012) is set in Greenville for some scenes.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.