Owner Operator Insurance Cost Greer, South Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Greer, South 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 Greer, South Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Greer, South 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
- 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.
Greer is a city in Greenville and Spartanburg counties in the U.S. state of South Carolina. The population was 35,308 as of the 2020 census. Greer is part of the Greenville–Anderson–Mauldin Metropolitan Statistical Area. The city is additionally part of the Greenville-Spartanburg-Anderson, SC Combined Statistical Area in Upstate South Carolina.
Greer is adjacent to Greenville-Spartanburg International Airport (GSP), which serves Greenville, Spartanburg, and the Upstate. Greer is also the site of the largest BMW manufacturing facility in North America. According to a June 2005 article in The Greenville News, BMW’s Greer plant employs about 9,000 people, and has attracted dozens of suppliers in South Carolina, providing jobs for more than 12,000 people. Greer is home to the South Carolina Inland Port, an intermodal facility that receives and sends containers by rail to the Port of Charleston.
Greer is located at (34.930304, -82.225052). It is 12 miles (19 km) northeast of Greenville and 17 miles (27 km) west of Spartanburg, both via U.S. Route 29.
According to the United States Census Bureau, the city has a total area of 22.7 square miles (58.9 km), of which 20.6 square miles (53.4 km) are land and 2.1 square miles (5.4 km), or 9.18%, are water. Greer has three lakes: Lake Robinson, Apalache Lake and Lake Cunningham. The South Tyger River runs through the northern part of Greer, part of the Broad River watershed.
Greer, SC has experienced great economic growth in recent years with headquarters of BMW US Manufacturing Company, Alexium International, and more.
Greer was named for James Manning Greer, whose ancestry traces from Scotland, through Ireland. Many of his descendants still reside in the region. James Manning Greer was a descendant of John Greer Sr., who surveyed his land in Laurens County in 1750. John and his family were already in Laurens County, prior to the Greer passengers who arrived aboard the ship The Falls in 1764. John Greer’s family settled at Duncans Creek between that Creek and the Enoree River and close to Duncan’s Creek Presbyterian Church. John, Sr.’s great grandson James Manning Greer settled his family near Greenville in an area that eventually became Greer’s Station.
The area now known as Greer was once part of the “Domain of the Cherokees” prior to the American Revolutionary War. In 1777, the area was added to the state of South Carolina. Development toward the birth of the town occurred in 1873, when the Richmond and Danville Air Line Railway (now the Norfolk Southern Railway) established a line between Atlanta and Charlotte. A station was built on land that belonged to James Manning Greer, and was named Greer’s Station. The first post office was located in the new depot, Greer’s Depot. That depot was a red brick, Victorian structure with a slate roof and a cupola. It was located immediately adjacent to the current Norfolk Southern rail line between Trade Street and Depot Street, facing toward Moore Street. It was demolished in 1976 by its then owner, the Southern Railway System, in order to avoid property taxes. When the town was incorporated in 1876, it was named Town of Greer’s. One hundred years later, the name was officially changed to the City of Greer without an “s” on the end.
Merchants, blacksmiths and physicians set up shop in what is now the downtown area of Greer. In 1900, Greer’s first bank, the Bank of Greer’s, opened. The Piedmont and Northern Railway laid a second railroad line through Greer in 1914. With two active train lines, Greer became an attractive site for commerce. The railway meant big business for local farmers, enabling them to ship their crops, mainly cotton and peaches, out of state. Greer also became a textile-manufacturing center, with flourishing mills that included Victor, Franklin, Apalache and Greer Mills. The communities that grew up around the mills were as close-knit as the outlying farming communities.
In 1939, artist Winfred Walkley painted a mural, Cotton and Peach Growing, for the town’s old post office as one of thirteen works commissioned by the U.S. Treasury Department’s Section of Fine Arts between 1938 and 1941 for post offices and federal buildings throughout South Carolina. The building is now home to the Greer Heritage Museum.
After World War II, the city began to grow and diversify its industrial base. A new hospital and high school were built. People came to downtown Greer from Spartanburg and Greenville to shop. In the early 1960s, Interstate 85 was opened, as well as the Greenville-Spartanburg International Airport. Imports derailed the textile industry in the 1970s and threatened to turn Greer into a ghost town, but the citizens of Greer worked together to attract new industry.
The Arthur Barnwell House, Davenport House, Gilreath’s Mill, Greer Depot, Greer Downtown Historic District, Greer Post Office, Louie James House, R. Perry Turner House, Robert G. Turner House and Earle R. Taylor House and Peach Packing Shed are listed on the National Register of Historic Places.
As of the 2020 United States census, there were 35,308 people, 11,531 households, and 7,507 families residing in the city.
As of the census of 2000, there were 16,843 people, 6,714 households, and 4,511 families residing in the city. The population density was 1,044.5 inhabitants per square mile (403.3/km). There were 7,386 housing units at an average density of 458.0 per square mile (176.8/km). The racial makeup of the city was 73.39% white, 19.49% African American, 1.16% Asian, 0.22% Native American, 0.06% Pacific Islander, 4.42% from other races, and 1.26% from two or more races. Hispanic or Latino of any race were 8.18% of the population. 21.6% were of American, 9.5% Irish, 8.9% German and 8.4% English ancestry according to Census 2000. 90.6% spoke English and 8.5% Spanish as their first language. Since 2000, the city has seen an explosive increase in Hispanic immigration.
There were 6,714 households, out of which 31.8% had children under the age of 18 living with them, 47.1% were married couples living together, 15.7% had a female householder with no husband present, and 32.8% were non-families. 27.9% of all households were made up of individuals, and 12.1% had someone living alone who was 65 years of age or older. The average household size was 2.47 and the average family size was 2.99.
In the city, the population was spread out, with 24.8% under the age of 18, 9.2% from 18 to 24, 33.4% from 25 to 44, 18.9% from 45 to 64, and 13.6% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 90.6 males. For every 100 females age 18 and over, there were 87.6 males.
The median income for a household in the city was $33,140, and the median income for a family was $41,864. Males had a median income of $33,147 versus $23,566 for females. The per capita income for the city was $17,546. About 12.2% of families and 15.8% of the population were below the poverty line, including 19.5% of those under age 18 and 15.1% of those age 65 or over.
The city of Greer has a thriving recreation sports program. Greer Recreation (Greer Rec) has many sports opportunities. Their best accomplishments include the 2007 9–10 Little League softball state championship, and the 2019 6u Rookie Ball Dixie Youth Baseball State Championship. The 6u team went undefeated in a 12 team tournament held in West Columbia to give Greer baseball its first state Championship ever.
In the summer of 2010, the combined team of two schools, (Blue Ridge Middle School, and Greer Middle) the 11- to 12-year-old Little League softball team went to the regional tournament in Warner Robins, Georgia, but lost the first two games and was eliminated.
City Stadium in Greer is a WPA project completed in 1938; it currently seats 3,000. Throughout the years the stadium has hosted Little League, scholastic, The American Legion World Series, and semi-professional sports and received a major renovation in 1997.
In 2012 the City of Greer successfully renovated the Cannon Center, a former National Guard armory that later became a basketball gym. The facility was originally built in 1936. The completed renovation included new office space, classroom space, dressing rooms for events/productions, and state of the art audio-visual equipment.
The City Recreation Department has been honored with South Carolina Recreation and Parks Agency of the Year twice since 2005. It also received the South Carolina Recreation and Parks Athletic Agency of the Year in 2009. The department is led by Ann Cunningham (Director) and Red Watson (Assistant Director).
Greer City Park is part of the City of Greer’s Municipal Complex that was completed in 2008, the 12-acre Greer City Park is located adjacent to Greer City Hall and offers numerous recreational opportunities in Historic Greer Station.
Greer is home to two hospitals and a cancer center which is undergoing an expansion.
This hospital, part of Spartanburg Regional Healthcare System, focuses on medical and surgical patients. Pelham Medical Center is licensed for and operates 48 beds and is located at 250 Westmoreland Road. The facility provides emergency services, general surgery, gynecology, orthopedics, cardiology (non-invasive), endocrinology, gastroenterology, general medicine, oncology, and intensive care services. This campus includes Pelham Medical Center Medical Office Building, the Surgery Center at Pelham, and the Gibbs Cancer Center & Research Institute at Pelham.
Gibbs at Pelham provides radiation oncology and medical oncology services. In 2015, Gibbs at Pelham added the Cyberknife M6 system, which is the first of its kind in the southeastern United States and was the first system in the United States to treat with precision. Gibbs was the first in North or South Carolina, and one of the first cancer centers in the United States, to utilize a new tool for prostate cancer called the SpaceOAR® System. SpaceOAR is the first FDA-approved procedure for placing a ‘spacer’ to protect the rectum of men undergoing prostate cancer radiation.
In early 2018, Spartanburg Regional began construction on an expansion of its Gibbs Cancer Center & Research Institute at Pelham location. The 190,000-square-foot expansion is intended to provide cancer care for more patients along the border of Spartanburg and Greenville counties. It is anticipated that the construction will be completed in spring 2020.
Located on Greenville Health System’s Greer Medical Campus, Greer Memorial Hospital is an 82-bed facility with emergency, ICU and maternity care.
Greer is served by the Greenville–Spartanburg International Airport Roger Milliken Field, which in 2012 handled over 1.7 million passengers. The airport is a commercial Class C airport located 4 miles (6 km) south of the center of Greer, midway between Greenville and Spartanburg. The airport is served by Allegiant Air, American Airlines, Delta Air Lines, Southwest Airlines, and United Airlines. Scheduled cargo service is offered by FedEx Express and UPS Airlines. Greer is also within 20 miles (32 km) of Donaldson Center Airport, Greenville Downtown Airport, and Spartanburg Downtown Memorial Airport all general aviation facilities.
Greer is served by Amtrak, the national passenger rail system, which operates to both Greenville and Spartanburg. Greer is the location of Inland Port Greer, one of two inland ports in South Carolina, built to handle containerized goods. Inland Port Greer is served by Norfolk Southern, and connects Greer to the Port of Charleston.
One two-digit Interstate highway runs through Greer. Interstate 85 passes 5 miles (8 km) south of the city center, with access from Exits 57 through 60. I-85 leads northeast 90 miles (140 km) to Charlotte, North Carolina, and southwest 154 miles (248 km) to Atlanta. U.S. Route 29 runs through Greer, connecting Greenville and Spartanburg. South Carolina Highway 14 and South Carolina Highway 290 both run through Greer. SC 14 leads north 18 miles (29 km) to Landrum, near the North Carolina border, and south 16 miles (26 km) to Simpsonville, while SC 290 leads east 5 miles (8 km) to Duncan and northwest 13 miles (21 km) to U.S. Route 25 north of Travelers Rest.
Greer has a public library, a branch of the Greenville County Library System.
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.