Owner Operator Insurance Requirements Garner, North Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Garner, North 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 Garner, North Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Garner, North 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
- 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.
Garner is a town in Wake County, North Carolina, United States and a suburb of Raleigh. The population is 31,159 as of the 2020 Census. The city limits are entirely within Wake County, though portions of unincorporated Wake County, as well as the Cleveland community in northern Johnston County, have Garner mailing addresses. It is part of the Research Triangle region of North Carolina and serves as a bedroom community for the region.
Garner is located at 35°41′54″N 78°37′22″W / 35.69833°N 78.62278°W (35.698243, -78.622865).
According to the United States Census Bureau, the town has a total area of 14.8 square miles (38.3 km), of which 14.7 square miles (38.2 km) is land and 0.04 square miles (0.1 km), or 0.34%, is water.
Garner is located entirely within Wake County. There are unincorporated areas of Wake County and Johnston County that have Garner postal addresses, including a portion of the unincorporated, but densely populated, Cleveland Community.
As of the 2020 United States census, there were 31,159 people, 11,642 households, and 7,637 families residing in the town.
As of the census of 2000, there were 17,757 people, 6,950 households, and 4,830 families residing in the town. The population density was 1,385.1 inhabitants per square mile (534.8/km). There were 7,252 housing units at an average density of 565.7 per square mile (218.4/km). The racial makeup of the town was 67.02% White, 27.13% African American, 0.41% Native American, 1.11% Asian, 0.02% Pacific Islander, 2.77% from other races, and 1.54% from two or more races. Hispanic or Latino of any race were 4.75% of the population.
There were 6,950 households, out of which 34.0% had children under the age of 18 living with them, 53.5% were married couples living together, 12.7% had a female householder with no husband present, and 30.5% were non-families. 24.2% of all households were made up of individuals, and 6.5% had someone living alone who was 65 years of age or older. The average household size was 2.51 and the average family size was 3.00.
In the town, the population was spread out, with 25.0% under the age of 18, 7.9% from 18 to 24, 33.6% from 25 to 44, 22.6% from 45 to 64, and 10.9% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 93.5 males. For every 100 females age 18 and over, there were 89.2 males.
The median income for a household in the town was $47,380, and the median income for a family was $58,302. Males had a median income of $37,359 versus $29,805 for females. The per capita income for the town was $22,433. About 4.9% of families and 6.8% of the population were below the poverty line, including 8.9% of those under age 18 and 10.1% of those age 65 or over.
Land near the town of Garner was first settled around 1751. In the 1850s, the North Carolina Railroad was built, and before the 1870s, a wood-and-water stop was established in present-day downtown Garner. The community of Garner’s Station received a post office in 1878 and was incorporated in 1883, but the community had its charter repealed in 1891.
In 1905, the charter was reinstated as the Town of Garner. The first mayor was J.B. Richardson, and the first aldermen were H.D. Rand, J.J. Bagwell, H. Bryan, M.C. Penny, and J.S. Buffaloe.
In 1912, the telephone came to Garner. The town is off of US 70, which in 1917 became the first paved highway to be built in North Carolina. An explosion and partial roof collapse of a ConAgra Foods plant on June 9, 2009, killed four and injured some 40 workers.
The Downtown Garner Historic District, Edenwood, and Meadowbrook Country Club are listed on the National Register of Historic Places.
Garner currently operates under a council–manager government whereby the Town Council is the publicly elected legislative body of the town, and appoints a Town Manager to manage the administrative operations of the town. The Town Council consists of the Mayor and five Town Council Members, one of whom serves as Mayor “Pro Tempore.”
Since March 2016, Rodney Dickerson has served as the Town Manager.
As of 2019, the Garner Police Department has 68 sworn police officers and 10 professional staff personnel (including full-time and part-time staff) to provide law enforcement services to a town roughly 16 square miles in area with a permanent residential population of over 31,000 citizens. The Department is divided into two bureaus—the Operations Bureau and the Administration Bureau.
Since October 2020, Joe Binns has served as Garner’s Chief of Police.
Garner’s library service began in 1928 and was formed by the Garner’s Women’s Club, which operated and staffed the library with volunteer workers
Today, Garner’s public library is the Southeast Regional Library, which is a regional facility operated by Wake County Public Libraries. The library offers Wake County Public Library’s child and adult services, which include storytimes, adult craft programs, computer use, and other free activities for the community. In 2020, as part of Wake County Public Library’s Fine Free program, Southeast Regional Library has stopped collecting fines for books that are returned late.
In June 2020, Southeast Regional Library began offering Wake County’s Books on the Go program, a contactless book retrieval service that allows patrons to request and receive books from the library while it is closed due to COVID-19
According to Garner’s 2020 Comprehensive Annual Financial Report, the top employers in the town were:
In 2020, Amazon began operations at a new Fulfillment Center in Garner and is expected to hire 3,000 full time employees.
Several major roads and highways serve Garner:
Garner is served by the GoRaleigh bus routes 7 and 40x, both serving the shopping centers around Garner Station. In October 2019, GoRaleigh bus route 20 replaced the rush-hour-only service of GoTriangle bus route 102 with all-day service. Route 20 connects Downtown Garner with Downtown Raleigh as well as the shopping centers at White Oak, Timber Crossing, and Forest Hills, the Garner Town Hall, the Southeast Regional Library, and the Garner Police Station.
Addition service is provided to seniors and those with disabilities through GoWake Access. This service provides door-to-door service to eligible residents that may have difficulties using traditional public transportation.
Amtrak passes through Garner but does not have a scheduled stop; the nearest station is Raleigh Union Station.
The nearest commercial airport with regular passenger service is Raleigh-Durham International Airport. General aviation services can also be found at the Triple W Airport in Fuquay-Varina or the Raleigh East Airport in Knightdale.
The following schools serve students in and around Garner. Most, but not all, are located within the town limits of Garner. With few exceptions, school districts in North Carolina are organized at the county level, and students are often assigned to schools without regard to which municipality they live in.
Wake County public schools:
Johnston County public schools:
The original campus of the Governor Morehead School, a state-operated school for blind white students and blind and deaf black students, was in Garner. In 1923 white blind students were moved to Raleigh. The desegregation plan in the 1960s called for all deaf students to be moved to North Carolina School for the Deaf and Eastern North Carolina School for the Deaf, while blind students were moved to Raleigh.
