Owner Operator Insurance Requirements Alabaster, Alabama
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Alabaster, Alabama. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Alabaster, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Alabaster, Alabama in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- 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.
Alabaster is a city and southern suburb of Birmingham in Shelby County, Alabama, United States. At the 2020 census, the population was 33,284. Alabaster is the 16th largest city in Alabama by number of residents.
George L. Scott Sr., an Alabaster pioneer, owned and operated Alabaster Lime Co., which mined this mineral. His shipping point was known as “Scott Rock.” Later, worker housing was built to accommodate some of the mine employees. The community was named Alabaster after the “white calcium carbonate mineral.”
The First Bank of Alabaster opened in 1952, and its president was George L. Scott Jr., who later was elected as the first mayor of Alabaster. The first attempt in 1952 to incorporate Alabaster failed. In January 1953, the petition was again filed, and on February 23, 1953, Alabaster was officially incorporated, with a favorable vote of 79 to 23, and 427 residing inhabitants. In 1955, the Alabaster Water and Gas Board was formed.
In 2015, the city announced that it was considering options to expand the area commonly known as the “Main Street Medical Mile” along Highway 31. The plans include not just expansion of medical facilities, but a civic center and different retail locations.
Additionally, it was announced in 2017 that a 350,000 square feet retail complex would be built at the corner of Highway 31 and Interstate 65. The new complex, currently named District 31, was slated to open in 2019, however as of 2020, the complex remained under construction.
Alabaster is located at 33°13′52″N 86°49′26″W / 33.23111°N 86.82389°W (33.231162, −86.823829).
Alabaster mostly occupies the Cahaba and Opossum valleys, which are divided by the Pine Ridge that runs north to south. To the east and west, both valleys are flanked by parallel mountain ridges that locally run north to south, but are a part of a larger system of ridges that generally runs north-east to south-west (the tailing ends of the Appalachian foothills). The valleys are drained by small creeks (Buck Creek, Beaverdam Creek) that flow into the Cahaba River.
Access to the city from major highways is found from U.S. Route 31, which runs through the city, and via I-65 exit 238. Downtown Birmingham is 23 mi (37 km) north, and Montgomery is 69 mi (111 km) south, both via US-31 or I-65.
According to the U.S. Census Bureau, the city has a total area of 20.6 square miles (53 km), of which 20.5 square miles (53 km) is land and 0.1 square miles (0.26 km) (0.24%) is water.
According to the Köppen Climate Classification system, Alabaster has a humid subtropical climate, abbreviated “Cfa” on climate maps.
Alabaster first appeared on the 1960 U.S. Census as an incorporated city.
As of the census of 2010, there were 30,352 people, 11,016 households, and 6,482 families residing in the city . The population density was 1,104.8 inhabitants per square mile (426.6/km). The racial makeup of the city was 81.2% White, 15.0% Black or African American, 0.31% Native American, 0.64% Asian, 0.02% Pacific Islander, 2.2% from other races, and 0.69% from two or more races. 4.54% of the population were Hispanic or Latino of any race.
There were 11,016 households, out of which 41.9% had children under the age of 18 living with them, 68.0% were married couples living together, 8.9% had a female householder with no husband present, and 20.6% were non-families. 17.1% of all households were made up of individuals, and 3.6% had someone living alone who was 65 years of age or older. The average household size was 2.73 and the average family size was 3.09.
In the city, the population was spread out, with 27.7% under the age of 18, 7.0% from 18 to 24, 32.0% from 25 to 44, 25.0% from 45 to 64, and 8.0% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 94.7 males. For every 100 females age 18 and over, there were 90.7 males.
The median income for a household in the city was $64,411, and the median income for a family was $78,940. The per capita income for the city was $22,466. About 4.3% of families and 5.9% of the population were below the poverty line, including 7.0% of those under age 18 and 12.3% of those age 65 or over.
As of the 2020 United States Census, there were 33,284 people, 11,568 households, and 8,667 families residing in the city.
The Alabaster-Helena Census Division was created in 1980 through the merger of the former Helena Division and Siluria Divisions. It includes portions of Alabaster, Birmingham (Shelby County portion), Brantleyville, Calera, Chelsea, Helena, Hoover, Indian Springs Village, Meadowbrook, Montevallo, Pelham and Vestavia Hills.
The government consists of a mayor, who is elected at-large, and a seven-member city council. Each member is elected from a single-member district, called a ward, of roughly equal population.
The Mayor and City Council are elected every four years. The most recent election was held in 2020.
The current City Council Members are: Sophie Martin, Rick Ellis, Stacy Rakestraw, Greg Farrell, Jamie Cole, Zach Zahariadis, and Kerri Pate.
Alabaster Fire Department
ISO Class 2 rated. Consisting of 3 Firehouses with 61 Full Time Firefighters.
Alabaster Firehouse #1
Located at 890 1st Avenue West.
Alabaster Firehouse #2
Located at 950 Butler Road.
Alabaster Firehouse #3
Located at 910 1st Street South (US 31 South)
On July 1, 2013, the Alabaster City Schools System officially separated from the Shelby County Schools system, and now operates the public schools in the city. Private school K-12 education is also available.
Private:
33°13′52″N 86°49′26″W / 33.231162°N 86.823829°W
