Owner Operator Insurance Requirements Hendersonville, Tennessee
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Hendersonville, 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 Hendersonville, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Hendersonville, 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.
Hendersonville is the largest city in Sumner County, Tennessee, on Old Hickory Lake. The population was 61,753 at the 2020 census.
Hendersonville is the fourth-largest city in the Nashville metropolitan area after Nashville, Murfreesboro, and Franklin and the 10th largest in Tennessee. Hendersonville is located 18 miles northeast of downtown Nashville. The city was settled around 1784 by Daniel Smith, whose house Rock Castle, completed in 1796, is maintained as an historic site.
The city is named for William Henderson, the first postmaster here.
Numerous 20th-century musicians in the Nashville area lived in Hendersonville, especially some associated with country music. These include Johnny Cash and his wife June Carter Cash, and Roy Orbison. The city’s main road, Johnny Cash Parkway, is named for the late singer.
Other notable past and present residents include Conway Twitty. (His home, Twitty City, was adapted as the Trinity Music City complex after his death in 1993.) In addition, Jean Shepard, Marty Stuart, Kelly Clarkson, Max T. Barnes, Taylor Swift, Young Buck, and Chris Henderson (3 Doors Down) have lived here.
In 1784 Daniel Smith received a land grant from the state of North Carolina in payment for surveying Middle Tennessee. (North Carolina at the time claimed its boundaries extended to this territory across the Appalachian Mountains.) He began work on his house later known as Rock Castle, but it was not completed until 1796. Due to his surveying trips, he frequently was gone on long journeys, and his wife supervised much of the construction.
In 1790, William Henderson settled in Sumner County and later became the namesake of the town. It was a trading center for the county, which was devoted to the production of tobacco and hemp as commodity crops, and blood livestock: both horses and cattle. During the Civil War, Monthaven was used by Union troops as a field hospital, as they occupied Middle Tennessee from 1862 to 1870. In the late 20th century, this historic home was listed on the National Register of Historic Places. Even before the Emancipation Proclamation of January 1863, refugee slaves with their families found their way to Union lines in the state in search of freedom. The Army established a contraband camp near Hendersonville, to offer shelter to the freedmen, help them with supplies and food, and sign them up to work for wages for the Army, often building defenses. Missionary societies helped teach both adults and children among the slaves.
The small city was not incorporated until 1969, as the area continued to be rural and devoted to agriculture and related activities. It then had roughly 250 residents and was led by L.H. “Dink” Newman. Since the late 20th and early 21st centuries, it has grown to become the largest city in the county.
With the completion of the Old Hickory Dam and an associated lake in 1954, Hendersonville started to develop more rapidly. The lake attracted sportsmen and people seeking recreation; some became residents or acquired second homes here. Since the late 20th century, it has become the most-populous city of Sumner County, and one of the most populous suburbs of Nashville, along with Franklin and Murfreesboro. The city contains around 0.7% of the population of Tennessee.
According to the United States Census Bureau, the city has a total area of 32.9 square miles (85 km), of which 27.3 square miles (71 km) is land and 5.6 square miles (15 km) (16.93%) is water, mostly parts of the Cumberland River.
Hendersonville is served by the freeway Tennessee State Route 386 and its parallel surface road U.S. Route 31E.
Hendersonville’s climate classifications are Köppen “Cfa” and Trewartha “DOak” due to very hot summers (three to four months average over 71.6 °F (22.0 °C)), mild winters (all months average over 32.0 °F (0.0 °C)), and mediocre (4–7 months) growing seasons (in this case seven months average over 50.0 °F (10.0 °C)).
As of the 2020 United States census, there were 61,753 people, 21,328 households, and 14,788 families residing in the city.
As of the 2010 United States Census, there were 51,372 people, 20,111 households, and 14,239 families residing in the city. The population density was 1,881.76 persons per square mile, and the housing unit density was 736.67 units per square mile. The racial makeup of the city was 88.64% White, 6.28% Black or African American, 1.58% Asian, 0.33% Native American, 0.07% Pacific Islander, 1.21% from other races, and 1.89% from two or more races. Those of Hispanic or Latino origins were 3.62% of the population.
Of the 20,111 households, 33.47% had children under the age of 18 living in them, 55.71% were married couples living together, 3.92% had a male householder with no wife present, 11.17% had a female householder with no husband present, and 29.20% were non-families. 24.35% of all households were made up of individuals, and 8.77% had someone living alone who was 65 years of age or older. The average household size was 2.55 and the average family size was 3.04.
Of the 51,372 residents, 25.80% were under the age of 18, 61.41% were between the ages of 18 and 64, and 12.79% were 65 years of age or older. The median age was 38.5 years. 51.71% of the residents were female and 48.29% were male.
The median household income in the city was $62,627 and the median family income was $74,353. Males had a median income of $54,016 versus $34,996 for females. The per capita income for the city was $30,000. About 6.5% of families and 8.9% of the population were below the poverty line, including 13.0% of those under the age of 18 and 7.6% of those age 65 and over.
As of the census of 2000, there were 40,620 people, 15,823 households, and 11,566 families residing in the city. The population density was 1,486.4 inhabitants per square mile (573.9/km). There were 16,507 housing units at an average density of 604.0 per square mile (233.2/km). The racial makeup of the city was 92.93% White, 4.12% African American, 0.27% Native American, 1.10% Asian, 0.03% Pacific Islander, 0.65% from other races, and 0.90% from two or more races. Hispanic or Latino of any race were 1.71% of the population.
There were 15,823 households, out of which 35.7% had children under the age of 18 living with them, 59.3% were married couples living together, 10.7% had a female householder with no husband present, and 26.9% were non-families. 22.3% 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 2.55 and the average family size was 3.00.
In the city, the population was spread out, with 25.8% under the age of 18, 7.8% from 18 to 24, 31.5% from 25 to 44, 24.8% from 45 to 64, and 10.2% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 94.9 males. For every 100 females age 18 and over, there were 90.3 males.
The median income for a household in the city was $50,108, and the median income for a family was $57,625. Males had a median income of $40,823 versus $27,771 for females. The per capita income for the city was $24,165. About 5.2% of families and 6.2% of the population were below the poverty line, including 8.2% of those under age 18 and 7.7% of those age 65 or over.
It is the home of the Indian Lake Village business, shopping, residence, and recreation complex.
The Hendersonville Arts Council is a non-profit organization located in Monthaven Mansion. The mansion was built before the Civil War and was used as a hospital during several battles. It is listed on the National Register of Historic Places, the Tennessee Civil War Trail, and Ring of Fire, and exhibits visual art, music, workshops, wine tastings, crafts, culinary demonstrations, performances, and cultural activities.
The Hendersonville Performing Arts Center is a non-profit theater founded in 1996.
Hendersonville is governed by a board of 12 aldermen and a mayor, known as the Board of Mayor and Aldermen (BOMA). The aldermen are elected by district for staggered terms of four years. The mayor is elected once every four years by the whole city.
Hendersonville’s schools are governed by the Sumner County Schools. Schools located in Hendersonville include:
In 2007 a risk was identified that the trouble-prone Wolf Creek Dam in the neighboring state of Kentucky might break, which could have resulted in a complete inundation for the lower lying parts of Hendersonville. Since then, extensive repairs have been performed on the dam, and the maximum level of water behind it has been lowered, thus reducing the pressure of water on the structure and resolving the identified flood risk.
