Owner Operator Insurance Requirements Goose Creek, South Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Goose Creek, 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 Goose Creek, South Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Goose Creek, 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
- 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.
Goose Creek is the most populous city in Berkeley County in the U.S. state of South Carolina. The population was 45,946 at the 2020 census, making it the 7th most populous city in the state. Most of the Naval Weapons Station Charleston is in Goose Creek. As defined by the U.S. Office of Management and Budget, and used only by the U.S. Census Bureau and other federal agencies for statistical purposes, Goose Creek is included within the Charleston–North Charleston–Summerville Metropolitan Area and the Charleston–North Charleston Urbanized Area.
Goose Creek is located in southern Berkeley County at 33°0′N 80°2′W / 33.000°N 80.033°W (32.9955, -80.0289). It is bordered to the east by the Cooper River and the Back River, to the southeast by an outer portion of the city of Charleston, to the southwest by the city of Hanahan and (farther to the west) the city of North Charleston in Charleston County, and to the west by the unincorporated community of Ladson.
According to the United States Census Bureau, the city has a total area of 40.8 square miles (105.8 km), of which 40.1 square miles (103.8 km) is land and 0.77 square miles (2.0 km), or 1.88%, is water.
As of the 2020 United States census, there were 45,946 people, 13,924 households, and 10,341 families residing in the city.
As of the census of 2010, there were 35,938 people, 8,947 households, and 7,443 families residing in the city. The population density was 921.6 inhabitants per square mile (355.8/km). There were 9,482 housing units at an average density of 299.2 per square mile (115.5/km). The racial makeup of the city was 78.50% White, 14.22% African American, 0.59% Native American, 2.66% Asian, 0.12% Pacific Islander, 1.56% from other races, and 2.36% from two or more races. Hispanic or Latino of any race were 4.05% of the population.
There were 8,947 households, out of which 49.7% had children under the age of 18 living with them, 68.9% were married couples living together, 10.6% had a female householder with no husband present, and 16.8% were non-families. 12.9% of all households were made up of individuals, and 2.9% had someone living alone who was 65 years of age or older. The average household size was 2.94 and the average family size was 3.22.
In the city, the distribution of the population by age was 29.6% under the age of 18, 18.2% from 18 to 24, 32.5% from 25 to 44, 15.4% from 45 to 64, and 4.3% who were 65 years of age or older. The median age was 26 years. For every 100 females, there were 115.7 males. For every 100 females age 18 and over, there were 120.3 males.
The median income for a household in the city was $45,919, and the median income for a family was $47,937. Males had a median income of $31,965 versus $23,754 for females. The per capita income for the city was $16,905. About 5.8% of families and 6.8% of the population were below the poverty line, including 8.0% of those under the age of 18 and 7.3% of those 65 and older.
Although the city of Goose Creek was established in 1961, its history dates back many centuries. In the 1670s the Etiwan moved to the area to escape the Westo, seeking protection among the plantations of early colonists who were often referred to as the “Goose Creek men”, mostly settled a few miles north of Charleston near a stream called Goose Creek, a tributary of the Cooper River. The Goose Creek men became leaders of the early Indian trade, and by the 1690s many held important offices in the colonial government. At first the Goose Creek men dealt mainly in Indian slaves, while later the deerskin trade dominated. Several colonial governors were Goose Creek men, such as James Moore and Robert Daniell. Other prominent men included brothers Daniel and Pierre Bacot.
The Otranto Plantation Indigo Vats and St. James Church are listed on the National Register of Historic Places.
Portions of the Charleston, South Carolina metropolitan area (Charleston, North Charleston, Goose Creek, and Hanahan) are home to branches of the United States military. During the Cold War, the Naval Base (1902–1996) became the third largest U.S. homeport serving over 80 ships and submarines. In addition, the Charleston Naval Shipyard repaired frigates, destroyers, cruisers, sub tenders, and submarines. The shipyard was also equipped for the refueling of nuclear subs.
During this period, the Weapons Station was the Atlantic Fleet’s loadout base for all nuclear ballistic missile submarines. Two SSBN “Boomer” squadrons and a sub tender were homeported at the Weapons Station, while one SSN attack squadron, Submarine Squadron 4, and a sub tender were homeported at the Naval Base. At the 1996 closure of the Station’s Polaris Missile Facility Atlantic (POMFLANT), over 2,500 nuclear warheads and their UGM-27 Polaris, UGM-73 Poseidon, and UGM-96 Trident I delivery missiles (SLBM) were stored and maintained, guarded by a U.S. Marine Corps security force company.
In 2010, the Air Force base (3,877 acres) and Naval Weapons Station (>17,000 acres) merged to form Joint Base Charleston. Today, Joint Base Charleston, encompassing over 20,877 acres (8,449 ha) and supporting 53 military commands and federal agencies, provides service to over 79,000 airmen, sailors, soldiers, Marines, Coast Guardsmen, DOD civilians, dependents, and retirees.
The Goose Creek Police Department is housed at the Marguerite H. Brown Municipal Center, along with the City Hall and Municipal Court, and is an active department within the community of Goose Creek. The Goose Creek Police Department is a CALEA accredited agency and works to maintain a good relationship with the citizens using the community policing method.
There are three high schools that serve the Goose Creek area. Goose Creek High School and Stratford High School serve students inside Goose Creek, while Cane Bay High School is located outside Goose Creek city limits and serves students from both in and out of Goose Creek’s city limits. Goose Creek High School is the home of the Berkeley County School of the Arts (BCA) Program.
Goose Creek has a public library, a branch of the Berkeley County Library System.
