Owner Operator Insurance Requirements Dunwoody, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Dunwoody, 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 Dunwoody, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Dunwoody, 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
- 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.
Dunwoody is a city located in DeKalb County, Georgia, United States. As a northern suburb of Atlanta, Dunwoody is part of the Atlanta metropolitan area. It was incorporated as a city on December 1, 2008 but its area establishment dates back to the early 1830s. As of 2019, the city has a population of 49,356, up from 46,267 in the 2010 census.
The Dunwoody area was established in the early 1830s and is named for Major Charles Dunwody (1828–1905), an extra “o” added with the incorrect spelling of the name on a banking note. Charles Dunwody originally returned to Roswell after fighting in the Civil War, in which he fought for the Confederates.
One of Dunwoody’s most historic buildings dates from 1829. The Ebenezer Primitive Baptist Church, at the corner of Roberts Drive and Spalding Drive, is still active to this date and is also the home to one of the city’s oldest cemeteries, where many of the founding fathers of Dunwoody are buried. The first public school, Dunwoody Elementary, first stood near the center of the city at the intersection of Chamblee-Dunwoody Road and Mount Vernon Road. It was in continuous operation from 1911 to 1986. A fire destroyed the school’s cafeteria in 1966, which was on the corner of Womack Road and Chamblee-Dunwoody Road. On that site today, the Dunwoody branch of the Dekalb County Public Library now operates along with the North Dekalb Cultural Arts Center. In 1881, the Roswell Railroad opened and ran along what is now Chamblee-Dunwoody Road north to the Chattahoochee River. It operated for 40 years, and in 1905, President Theodore Roosevelt made a campaign whistle stop in Dunwoody along the way to Roswell, Georgia.
On account of the railroad, Dunwoody developed into a small crossroads community. The community continued to grow and prosper even after the railroad shut down in 1921. Dunwoody remained rural until suburban residential development was initiated in the 1960s. In 1971, the Spruill family sold a large portion of their property for the construction of Perimeter Mall, with the completion of Dunwoody Village occurring the same year.
In early 2006, a study was conducted by the Carl Vinson Institute of Government of the University of Georgia, to determine how feasible it would be to incorporate Dunwoody as a city. Critics claimed that incorporation of Dunwoody, as in the incorporation of Sandy Springs in 2005, would take away a great deal of tax revenue from the rest of the county, leading to shortages of services, tax increases, or both for everyone else in the county, as has happened in Fulton. Citizens for Dunwoody, Inc. was the non-profit advocacy group begun by Senator Dan Weber to promote the effort.
The bill for incorporation was withdrawn from the Georgia General Assembly for further study in 2006 and passed only the lower house in 2007. In 2008, the bill of incorporation was re-introduced by Senator Weber, and due to increased pressure, it passed in the senate as well as the house. Georgia Governor Sonny Perdue signed the bill allowing the residents to vote for a city of Dunwoody on March 25. The referendum for cityhood, which took place on July 15, was approved by an overwhelming majority of voters. The Dunwoody City Charter was later ratified by the Georgia General Assembly, and on December 1, 2008, after a three-year movement, Dunwoody officially became a city.
Dunwoody’s geographic center is at 33°56′34″N 84°19′4″W / 33.94278°N 84.31778°W (33.942751, -84.317694). According to the United States Census Bureau, Dunwoody has a total area of 13.2 square miles (34.1 km), of which 12.9 square miles (33.5 km) is land and 0.23 square miles (0.6 km2), or 1.72%, is water. Dunwoody lies at the northern tip of DeKalb County, bounded by the Fulton County line on the north and west, Interstate 285 on the south, Peachtree Industrial Boulevard on the southeast, and the Gwinnett County line on the northeast.
Late on April 8, 1998, a major tornado tore through parts of Dunwoody, running east-northeast from Perimeter Center and into Gwinnett County. Thousands of homes were damaged, hundreds seriously, and several dozen were condemned. In addition, tens of thousands of native forest trees were downed. The vast majority of the tornado’s damage occurred here, leading it to be called the “Dunwoody tornado”, the most vivid in local memory until the 2008 Atlanta tornado.
Dunwoody Village is the historic heart of the community, and the location of the iconic Dunwoody Farmhouse. The distinctive Colonial Williamsburg architectural style of the district originated with the construction of Dunwoody Village Shopping Center in the 1970s, for which the district gets its name. Since then, all other construction in the area followed suit, giving Dunwoody a unique architectural identity and sense of place.
Perimeter Center is the major edge city and neighborhood that has formed around Perimeter Mall. The mall was developed in 1971, spurring major office, residential, and commercial developments in the decades since. It is one of Metro Atlanta’s largest job centers, employing hundreds of thousands of people each day. Perimeter Mall and approximately 40 percent of the Perimeter Community Improvement District, is a self-taxing district of shopping and office buildings (including several high-rises), are both located in Dunwoody. The western part of Perimeter Center edge city spans the Fulton county line into Sandy Springs. The tallest building in Dunwoody is the 34-story Ravinia 3, at 444 feet (135 m). Perimeter Center is located at the intersection of two major highways, GA 400 and I-285. The Dunwoody Transit Station provides public transit to the district.
Georgetown was developed in the early 1960s. It is located near I-285 and borders with the city limits of Chamblee. Overdevelopment in Georgetown was one of the main reasons for the initiation of Dunwoody’s incorporation movement, with many new apartments being approved for the area, even in some single-family residential areas. Georgetown, one of the most walkable areas of the city, contains both single-family residential subdivisions and its own retail district. This includes Kroger, who also owns and manages the property.
The Williamsburg commercial district is located on the eastern edge of Dunwoody, adjacent to the Dunwoody Panhandle of Sandy Springs. Shopping areas include Orchard Park Shopping Center, Mt. Vernon Shopping Center and the Williamsburg at Dunwoody Shopping Center. The centralized dining and shopping covers the intersection of Mt. Vernon, Dunwoody Club Drive, and Jett Ferry Road.
Winters Chapel is located at Dunwoody’s border with Peachtree Corners. The district shares a name with its main road, which travels through Fulton, Gwinnett and DeKalb County and was an important 19th century route connecting Decatur and Roswell via Holcomb Bridge Road. The district is named after Winters Chapel (now Winters Chapel Methodist Church), which has resided at its present location since the 1870s. The church itself is named after an instrumental founder, Jeremiah Winters. The area is a prime location for light commercial and retail redevelopment opportunities due to good demographics and traffic counts. Two parks, connected by sidewalks, dominate Winters Chapel. The 3/4 mile long, meticulously groomed, linear park running along DeKalb County’s Twin Lakes water reservoir on Peeler Road is popular with walkers and joggers. Windwood Hollow Park, at Lakeside Drive and Peeler Road, offers tennis, a children’s play area, a picnic pavilion, and a short trail.
Tilly Mill is named after the pioneer Tilly family, who owned a late 19th-century farm and mill on land bisected by Tilly Mill Road, which connects Dunwoody to Peachtree Industrial and Doraville. Landmarks in the area include the Dunwoody campus of Georgia State University’s Perimeter College and Dunwoody’s signature park, Brook Run. Brook Run, on North Peachtree Road near its intersection with Tilly Mill Road, boasts many wooded walking trails, a children’s play area, a dog park, a Veterans Memorial, and a community garden. The 103-acre (0.42 km) site will see major improvements as Dunwoody plans for its future. Also in Tilly Mill is the Marcus Jewish Community Center, an Orthodox synagogue, and a significant portion of Dunwoody’s Jewish population.
The Metropolitan Atlanta Rapid Transit Authority (MARTA) provides subway and bus service to Dunwoody and the surrounding area.
MARTA subway stations in Dunwoody are concentrated in the western part of the city. The Dunwoody station is the only station within the city limits, although Medical Center, Sandy Springs station, and North Springs station are very close to the western border. All stations in the area are served exclusively by the Red Line.
While some routes serve the outskirts of the city, there are three main bus routes, one of which leaves from the Dunwoody Station (Route 150).
As of the 2020 United States census, there were 51,683 people, 20,482 households, and 12,620 families residing in the city.
As of the census of 2010, there were 46,267 people, 19,944 households, and 11,723 families residing in the city. The population density was 3,421 inhabitants per square mile (1,321/km). There were 21,671 housing units at an average density of 1,582 per square mile (611/km). The racial makeup of the city was 69.8% White American, 12.8% African American, 0.3% Native American, 11.1% Asian American, 0.1% Pacific Islander, 3.6% from other races, and 2.3% from two or more races. Hispanic or Latino of any race were 10.3% of the population.
There were 19,944 households, out of which 29.9% had children under the age of 18 living with them, 47.8% were married couples living together, 8.1% had a female householder with no husband present, and 41.2% were non-families. 29.9% of all households were made up of individuals, and 6.3% had someone living alone who was 65 years of age or older. The average household size was 2.31 and the average family size was 3.0.
The population was spread out, with 23.4% under the age of 18, 2.0% from 18 to 21, 62.3% from 22 to 64, and 12.3% who were 65 years of age or older. The median age was 35.7 years. For every 100 females, there were 92.8 males. For every 100 females age 18 and over, there were 89.7 males.
The median income for a household in the city was $87,252, and the median income for a family was $106,777. Males had a median income of $78,778 versus $51,081 for females. The per capita income for the city was $45,484. About 6.2% of families and 7.9% of the population were below the poverty line, including 10.2% of those under age 18 and 3.1% of those age 65 or over.
The city has a council-manager form of municipal government. Its first mayor was Ken Wright. The current mayor is Lynn Deutsch, elected in November 2019. The city manager is Eric Linton.
Dunwoody’s city hall is located at 4800 Ashford-Dunwoody Road from early 2018, after the property was purchased by the city in 2017. The city was renting a space in a Perimeter Center office building at 41 Perimeter Center East for several years prior. City Hall was originally at a temporary location in the city of Sandy Springs for most of the city’s first year.
Dunwoody operates its own police force of 64 officers, as well as departments over zoning and land use. The city receives services from DeKalb County including: DeKalb County Schools, Dekalb County Fire & Rescue, sanitation, water, and sewage.
The Atlanta Journal-Constitution has its headquarters in the Perimeter Center and in Dunwoody. In 2010 the newspaper relocated its headquarters from Downtown Atlanta to leased offices in the Perimeter Center for financial reasons. There are a number of other local media organizations serving the Dunwoody area which primarily provide local news: the Dunwoody Crier, Dunwoody Reporter, the Aha Connection, and a podcast What’s Up Dunwoody.
InterContinental Hotels Group operates its American corporate offices in Dunwoody. The restaurant chain Krystal has its corporate headquarters in the city.
According to the City’s 2011 Comprehensive Annual Financial Report, the top employers in the city are:
The DeKalb County School System (DCSS) operates local public schools.
Elementary schools operated by DCSS in Dunwoody include:
Middle and high schools operated by DCSS in Dunwoody include:
Dunwoody Christian School
DeKalb County Public Library operates the Dunwoody Branch.