Owner Operator Insurance Requirements Bartlett, Tennessee
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Bartlett, Tennessee. 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 Bartlett, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Bartlett, Tennessee 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.
Bartlett is a city in Shelby County, Tennessee, United States. The population was 57,786 at the 2020 U.S. Census.
Bartlett, originally called “Union Depot”, first served as the last major Tennessean depot along the westward stagecoach route from Nashville. It later shifted to serve as a rail station after the stagecoach route was replaced by the Memphis & Ohio Railroad. An agricultural community gradually emerged around the depot and subsequent station that saw little growth until after the American Civil War.
The community saw quick growth during Reconstruction, and by 1886 was home to a school, two gristmills, three churches, several general stores, and about 300 inhabitants. It had been officially incorporated on November 1, 1866, with a population of less than 100 under the inaugural mayorship of Bryan Wither. The city derived its name from Major Gabriel M. Bartlett, a planter and pioneer settler of the area, whose homeplace was located on the old Raleigh-Somerville Road (Stage Road) at the present location of Bartlett Station Plaza.
Bartlett is adjacent to the northeastern boundary of Memphis.
According to the City of Bartlett, the city limits encompass a total area of 23.42 square miles (60.7 km). The annexation reserves of the city extend another 20.54 square miles (53.2 km).
As of the 2020 United States Census, there were 57,786 people, 20,359 households, and 15,959 families residing in the city.
As of the 2019 census estimates, there were 59,445 people and 20,359 households residing in the city. The city was the 10th largest city in Tennessee (2nd in Shelby County, after Memphis). The population density was 3,097 inhabitants per square mile (1,196/km). There were 14,021 housing units at an average density of 734.7 per square mile (283.7/km). The racial makeup of the city was 69.0% White, 21.3% African American, 0.28% Native American, 2.9% Asian, 0.04% Pacific Islander, 0.37% from other races, and 0.77% from two or more races. Hispanic or Latino of any race were 1.14% of the population.
There were 20,044 households, out of which 44.0% had children under the age of 18 living with them, 74.6% were married couples living together, 8.7% had a female householder with no husband present, and 14.2% were non-families. 12.1% of all households were made up of individuals, and 4.3% had someone living alone who was 65 years of age or older. The average household size was 2.92 and the average family size was 3.18.
In the city, the population was spread out, with 29.1% under the age of 18, 6.8% from 18 to 24, 30.0% from 25 to 44, 25.5% from 45 to 64, and 8.6% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 95.4 males. For every 100 females age 18 and over, there were 91.2 males.
The median income for a household in the city was $84,305, and the median income for a family was $84,305 (these figures had risen to $74,091 and $80,739 respectively as of a 2007 estimate). Males had a median income of $45,281 versus $32,382 for females. The per capita income for the city was $24,616. About 2.1% of families and 2.7% of the population were below the poverty line, including 3.2% of those under age 18 and 5.7% of those age 65 or over.
In existence since about 1829, Bartlett was incorporated in 1866 and remained a small town for another 100 years. From the “old” town of only 508 people at Stage Road and the railroad in 1960, Bartlett grew rapidly in the 1970s and 1980s both through new residents, largely due to “white flights” from Memphis, and through annexation, primarily to the east and north, to over 57,786 people today. In 2022, it was the eleventh largest city in Tennessee.
The Bartlett Performing Arts & Conference Center, also known as BPACC, was finished in 1999 where it held its first show by Art Garfunkel. BPACC is located at 3663 Appling Road, directly across the street from the Bartlett Police Station and Appling Middle School. The facility is not limited to performances but can be rented out for other events such as seminars or business meetings.
The John H. McFadden House was listed in the National Register of Historic Places in 1994. It is located at 3712 Broadway.
Davies Manor Plantation is a historic property that includes the oldest log home in Shelby County open to the public, thirty-two acres of plantation land, and numerous outbuildings. These outbuildings range from a tenant cabin to a commissary, a gristmill to an outhouse. The property contains several gardens, including a kitchen garden and a medicinal herb garden.
The Nicholas Gotten House is located at 2969 Court Street. It houses the Bartlett Museum, a local history museum operated by the Bartlett Historical Society. The white frame structure was built by Nicholas Gotten in 1871 in the New England saltbox style. A saltbox is a wooden frame house with a long, pitched roof that slopes down to the back.
The Bartlett Recreation Center is a 55,000 sq ft (5,100 m) facility that was completed in August 2000. The recreation center is located at 7700 Flaherty Place directly behind the Bartlett Police Station. The recreation center is a popular place amongst the people of Bartlett with its swimming pool, racquetball courts, basketball courts, running track, and workout rooms. Since its opening the recreation center has done remarkably well and required no help from the city to remain open.
Bartlett’s public school system was part of the Shelby County Schools until the end of the 2013–2014 school year. On July 16, 2013, the residents of Bartlett approved a referendum to form a Bartlett City School District. This district launched in fall 2014 and includes the 11 school buildings within Bartlett city limits, according to an agreement reached between parties to a federal lawsuit. The district’s superintendent is David Stephens, former deputy superintendent of Shelby County Schools.
Residents are in the Bartlett City Schools.
Notable people from Bartlett, Tennessee:
