Owner Operator Insurance Requirements Statesboro, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Statesboro, 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 Statesboro, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Statesboro, 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.
Statesboro is the largest city and county seat of Bulloch County, Georgia, United States. Located in the southeastern part of the state, its population was 33,438 at the 2020 census. It is the principal city of the Statesboro micropolitan area, which had 81,099 residents, and is part of the Savannah–Hinesville–Statesboro combined statistical area.
The city was chartered in 1803, starting as a small trading community providing basic essentials for surrounding cotton plantations. This drove the economy throughout the 19th century, both before and after the American Civil War. In 1906, Statesboro was selected as the home of the First District A&M School, a land grant college that eventually developed into Georgia Southern University. Statesboro inspired the blues song “Statesboro Blues”, written by Blind Willie McTell in the 1920s, and covered in a well-known version by the Allman Brothers Band. In 2017, Statesboro was selected in the top three of the national America’s Best Communities competition and was named one of nine Georgia “live, work, play” cities by the Georgia Municipal Association.
In 1801, George Sibbald of Augusta donated a 9,301-acre (37.64 km) tract for a centrally located county seat for the growing agricultural community of Bulloch County. The area was developed by white planters largely for cotton plantations that were worked by black slave labor. In December 1803, the Georgia legislature created the town of Statesborough. The community most likely was named after the notion of states’ rights, an issue central in the 1800 United States presidential election. In 1866 the state legislature granted a permanent charter to the city, changing the spelling of its name to the present “Statesboro.”
During the Civil War and General William T. Sherman’s famous March to the Sea through Georgia, a Union officer asked a saloon proprietor for directions to Statesboro. The proprietor replied, “You are standing in the middle of town,” indicating its small size. The soldiers destroyed the courthouse, a log structure that doubled as a barn when court was not in session. After the Civil War, the small town began to grow, and Statesboro has developed as a major town in southeastern Georgia. Many freedmen stayed in the area, working on plantations as sharecroppers and tenant farmers.
Following the Reconstruction era, racial violence of whites against blacks increased. In the era from 1880 to 1930, Georgia had the highest rate of lynchings of any state in the nation. Among them were three black men who were lynched and burned to death on August 16, 1904, near Statesboro. A fourth man was lynched later in the month in Bulloch County. After a white farm family was killed, the white community spread unfounded rumors of black clergy urging blacks to violence against whites, and more than twelve black men were arrested in this case.
Paul Reed and Will Cato were convicted of the Hodge family murders by an all-white jury and sentenced to death on August 16, 1904, but they were abducted that day from the courthouse by a lynch mob and brutally burned to death. Handy Bell, another suspect, was lynched and burned by a mob that night. White violence against blacks did not end; both men and women were physically attacked on the streets. Area newspaper coverage of the trial and lynching had been sensationalized, arousing anger, and two more black men were lynched in August 1904: Sebastian McBride in Portal, another town in Bulloch County, and A.L. Scott in Wilcox County.
To escape oppression and violence, many African Americans left Statesboro and Bulloch County altogether, causing local businessmen to worry about labor shortages in the cotton and turpentine industries. African Americans made a Great Migration from the rural South to northern cities in the first half of the 20th century. Local effects can be seen in the drop in Statesboro population growth from 1910 to 1930 on the census tables below in the “Demographics” section.
Around the turn of the century, new businesses in Statesboro included stores and banks built along North, East, South, and West Main streets. In 1908, Statesboro led the world in sales of long-staple Sea Island Cotton, a specialty of the Low Country. Mechanization of agriculture decreased the need for some farm labor. After the boll weevil destroyed the cotton crop in the 1930s, farmers shifted to tobacco. The insect had invaded the South from the west, disrupting cotton cultivation throughout the region. By 1953, however, more than 20 million pounds of tobacco passed through warehouses in Statesboro, then the largest market of the “Bright Tobacco Belt” spanning Georgia and Florida.
The 1906 First District Agricultural & Mechanical School at Statesboro was developed as a land grant college, initiated by federal legislation to support education. Its mission shifted in the 1920s to teacher training; and in 1924 it was renamed as the Georgia Normal School. With expansion of the curriculum to a 4-year program, it was renamed as the South Georgia Teachers College in 1929. Other name changes were to Georgia Teachers College in 1939, and Georgia Southern College in 1959. After this period, it became racially integrated and with development of graduate programs and research in numerous fields, since 1990 it has had university status as Georgia Southern University.
Statesboro is located at 32°26′43″N 81°46′45″W / 32.44528°N 81.77917°W (32.445147, -81.779234). The city is located in southeastern Georgia along U.S. Routes 80, 25, and 301. US 80 runs northwest to southeast through the city, leading southeast 58 mi (93 km) to Savannah and west-northwest 37 mi (60 km) to Swainsboro. US 25 and 301 run concurrently through the center of town and split upon their junction with US 80, leading south 12 mi (19 km) to Interstate 16 at exit 116. US 25 leads north 29 mi (47 km) to Millen and US 301 north 24 mi (39 km) to Sylvania.
According to the United States Census Bureau, the city has a total area of 13.9 square miles (35.9 km), of which 13.5 square miles (35.0 km) is land and 0.35 square miles (0.9 km), or 2.60%, is water. The city is in the coastal plain region, or Low Country, of Georgia, so it is mainly flat with a few small hills. With an elevation of 250 feet (76 m), the downtown area is one of the highest places in Bulloch County. Pine, oak, magnolia, dogwood, palm, sweetgum, and a variety of other trees can be found in the area.
Statesboro has a humid subtropical climate, according to the Köppen classification. The city experiences very hot and humid summers with average July highs of about 91 degrees and lows around 70. Afternoon thunderstorms associated with the summer heat and humidity can spawn from time to time. Winters are mild with average January highs of 58 degrees and lows of 36 degrees. Winter storms are rare, but they happen periodically, the most recent being an ice storm in January 2018. On February 12, 2010, approximately two inches of snow fell on the city.
As of the 2020 United States census, there were 33,438 people, 10,214 households, and 4,569 families residing in the city.
As of the census of 2010, there were 28,422 people, 8,560 households, and 3,304 families residing in the city. The population density was 1,812.9 inhabitants per square mile (700.0/km). There were 9,235 housing units at an average density of 737.6 per square mile (284.8/km). The racial makeup of the city was 53% White, 39.4% African American, 0.1% Native American, 2.8% Asian,1.6% from other races, and 3% from two or more races. Hispanic or Latino of any race were 2.2% of the population.
There were 8,560 households, out of which 17.9% had children under the age of 18 living with them, 21.9% were married couples living together, 13.5% had a female householder with no husband present, and 61.4% were non-families. 31.4% of all households were made up of individuals, and 7.3% had someone living alone who was 65 years of age or older. The average household size was 2.27 and the average family size was 2.93.
In the city, the population was spread out, with 14.3% under the age of 18, 48.7% from 18 to 24, 16.6% from 25 to 44, 11.3% from 45 to 64, and 9.2% who were 65 years of age or older. The median age was 22 years. For every 100 females, there were 88.6 males. For every 100 females age 18 and over, there were 87.3 males.
The median income for a household in the city was $19,016, and the median income for a family was $35,391. Males had a median income of $29,132 versus $20,718 for females. The per capita income for the city was $12,585. About 20.5% of families and 42.6% of the population were below the poverty line, including 33.9% of those under age 18 and 21.4% of those age 65 or over.
The economy of Statesboro is based on education, manufacturing, and agribusiness sectors. Statesboro serves as a regional economic hub and has more than one billion dollars in annual retail sales. Georgia Southern University is the largest employer in the city, with 6,700 regional jobs tied directly and indirectly to the campus.
Agriculture is responsible for $100 million in annual farm gate revenues.
Statesboro is home to multiple manufacturing facilities. Statesboro Briggs & Stratton Plant is the third-largest employer in the region with 950 employees.
The Development Authority of Bulloch County retains over 100 acres of GRAD (Georgia Ready for Accelerated Development) land at the Gateway Industrial Park.
Southern Gateway Park is a newly developed 200-acre tract located at the intersection of U.S. 301 and Interstate 16 in close proximity to the Court of Savannah. Southern Gateway is served by municipal water, sewer and natural gas lines.
GAF, the largest privately owned roofing manufacturer in North America, relocated to Statesboro in the early 21st century.
The culture of Statesboro reflects a blend of both its southern heritage and college town identity.
The city has developed a unique culture, common in many college towns, that coexists with the university students in creating an art scene, music scene and intellectual environment. Statesboro is home to numerous restaurants, bars, live music venues, bookstores and coffee shops that cater to its creative college town climate.
Statesboro’s downtown was named one of eight “Renaissance Cities” by Georgia Trend magazine. The downtown area is currently undergoing a revitalization. The Old Bank of Statesboro and Georgia Theater have been adapted with renovation for the David H. Averitt Center for the Arts. It houses the Emma Kelly Theater, named after the local singer, known as the “Lady of 6,000 Songs”. The center also contains art studios, conference rooms and an exhibition area. Downtown Statesboro has been featured in several motion pictures including Now and Then (1995) as well as 1969.
Georgia Southern offers a variety of cultural options available both for the university and the wider community: the Georgia Southern Symphony, the Georgia Southern Planetarium, Georgia Southern Museum, and the Botanical Gardens at Bland Cottage. Touring groups appear at the Performing Arts Center, and also featured are shows put on by Georgia Southern students and faculty.
Mill Creek Regional Park is a large outdoor recreational facility with athletic fields and a water park, Splash in the Boro.
The Georgia Southern University Eagles field 17 varsity teams in the Division I Football Bowl Subdivision (FBS) and are members of the NCAA Division I Sun Belt Conference.
Prior to joining the Sun Belt Conference in 2014, the Eagles were members of the Trans America Athletic Conference (presently known as the ASUN Conference) and the Southern Conference. During their time at the Football Championship Subdivision (FCS/I-AA) level, the Eagles football team won an unprecedented six national championships.
South Georgia Tormenta FC fields a professional team in USL League One, the third tier of the American Soccer Pyramid. The club’s inaugural season was the 2016 season. Games are played at Optim Sports Medicine Field at Tormenta Stadium. The club won the USL League One championship in the 2022 season.
Georgia Southern University is the city’s principal institution of higher learning. The university, a unit of the University System of Georgia (USG), was founded as the First District Agricultural and Mechanical School in 1906 as a land grant college, open only to white students. On July 1, 1990, it became the fifth university of the University System, and as of 2015 is a comprehensive residential university of nearly 20,000 students. The university’s graduate programs are offered on campus, at satellite centers, and by distance and on-line delivery. For the past decade, the university has combined a capital building program with beautification of the nearly 700-acre (2.8 km) campus. The university facilities include a museum of cultural and natural history, a botanical garden, and a center for wildlife education located within the campus grounds. The university’s Division I athletic teams, the Georgia Southern Eagles, compete in the Sun Belt Conference.
Two community colleges are also located in Statesboro. East Georgia State College (EGSC), a USG institution based in nearby Swainsboro, operates a satellite center within the campus of Georgia Southern. Ogeechee Technical College (OTC) is a part of the Technical College System of Georgia, providing technical and adult education to area students; OTC is located on U.S. Highway 301 South, outside of the city limits and approximately 4 miles (6 km) southwest of Georgia Southern’s campus.
The Bulloch County Board of Education runs the public school district in Statesboro. The largest school in the city is Statesboro High School. Other public schools include Southeast Bulloch High School, William James Middle School, Langston Chapel Middle School, Southeast Bulloch Middle School, Julia P. Bryant Elementary School, Sallie Zetterower Elementary School, Mattie Lively Elementary School, Langston Chapel Elementary School, and Mill Creek Elementary School. Private schools include Bulloch Academy, Trinity Christian School, and Bible Baptist Christian School. The Charter Conservatory for Liberal Arts and Technology, part of the CCAT public school district, is a charter school located within the city limits. In 2016 CCAT was renamed Statesboro STEAM – College, Careers, Arts, & Technology Academy.
Statesboro is served by a variety of media outlets in print, radio, television, and the Internet. Statesboro Magazine is the community’s premier quality of life publication. The local newspaper is the Statesboro Herald, a daily with a circulation of about 6,000. Other newspapers include the George-Anne produced by Georgia Southern University students, Connect Statesboro, a weekly entertainment publication, and the E11eventh Hour, a twice-a-month entertainment publication. Radio stations include WHKN, WMCD, WPMX, WPTB, WWNS, and WVGS. Statesboro Business Magazine offers Statesboro and area business news, articles, features, jobs, real estate listings and other area business information and reviews.
StatesboroHerald.com has received numerous state and national awards from the newspaper industry for online innovation.
Approximately 3 miles (5 km) outside of Statesboro is the Statesboro-Bulloch County Airport, which can accommodate private aircraft but does not have a control tower or commercial flights. Most travelers use the nearby Savannah/Hilton Head International Airport, which is located 45 miles (72 km) to the east and is served by eight commercial airlines. Statesboro is about three hours by highway from the major Hartsfield–Jackson Atlanta International Airport.
Interstate 16 is located 10 miles (16 km) to the south of Statesboro. Statesboro is also served by three U.S. highways: U.S. Highway 301, which runs north–south through the city, U.S. Highway 25, which runs northwest–south through the city, and U.S. Highway 80, which is the main east–west route through the city. The Veterans Memorial Parkway (Highway 301 Bypass and Highway 25 Bypass) forms a near circle around the city.
U.S. Routes:
State Routes:
Rail service for freight is provided by Norfolk Southern Railway.