Owner Operator Insurance Requirements Sumter, South Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Sumter, 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 Sumter, South Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Sumter, 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.
Sumter ( SUM-tər) is a city in and the county seat of Sumter County, South Carolina, United States. Known as the Sumter Metropolitan Statistical Area, the namesake county adjoins Clarendon and Lee to form the core of Sumter-Lee-Clarendon Tri-county (or East Midlands) area of South Carolina that includes three counties straddling the border of the Sandhills (or Midlands), Pee Dee, and Lowcountry regions. The population was 43,463 at the 2020 census, making it the 8th most populous city in the state.
Incorporated as Sumterville in 1845, the city’s name was shortened to Sumter in 1855. It has grown and prospered from its early beginnings as a plantation settlement. The city and county of Sumter bear the name of General Thomas Sumter, the “Fighting Gamecock” of the American Revolutionary War.
During the Civil War, the town was an important supply and railroad repair center for the Confederacy. After the war, Sumter grew and prospered, using its large railroad network to supply cotton, timber, and by the start of the 20th century, tobacco to the region.
During the 20th century, Sumter grew into a major industrial center. Still a unique business founded in 1923, Palmetto Pigeon Plant has grown into one of the largest producers of squab, poussin (chicken), cornish game hen, and silkie chickens in the world. Starting with the opening of Shaw Air Force Base (now home to the 9th Air Force, 20th Fighter Wing, and United States Army Central) in 1941, industry grew, especially after World War II. Sumter became increasingly known for textiles, manufacturing, biotech industries, a thriving retail environment, and medical center of its region in addition to agricultural products, which makes it a hub for business in the east-central portion of South Carolina.
Local sites listed on the National Register of Historic Places include:
Known as the Gamecock City, Sumter lies near the geographic center of the state of South Carolina at 33°55′37″N 80°21′49″W / 33.92694°N 80.36361°W (33.926942, -80.363541). Sumter is 100 miles west of Myrtle Beach’s Grand Strand and 175 miles east of the Blue Ridge Mountains. Columbia, the state capital, is about 45 miles to the west, and Charleston is around 100 miles to the south. According to the United States Census Bureau, the city has a total area of 26.8 square miles (69.3 km), of which 26.6 square miles (68.9 km) are land and 0.2 square mile (0.4 km) (0.60%) is covered by water.
As of the 2020 United States Census, there were 43,463 people, 15,605 households, and 9,925 families residing in the city.
As of the census of 2010, 40,541 people, 16,232 households, and 10,049 families resided in the city. The population density was 575.6/km (1,491.2/mi). The 16,032 housing units averaged 232.8/km (603.0/mi). The racial makeup of the city was 47.07% Caucasian, 47.03% Black, 0.23% Native American, 1.27% Asian, 0.07% Pacific Islander, 1.12% from other races, and 1.41% from two or more races. Hispanics or Latinos of any race were 2.37% of the population.
Of the 14,564 households,h 35.6% had children under the age of 18 living with them, 46.0% were married couples living together, 19.3% had a female householder with no husband present, and 31.0% were not families. About 27.3% of all households were made up of individuals, and 11.7% had someone living alone who was 65 years of age or older. The average household size was 2.57 and the average family size was 3.14.
In the city, the population was distributed as 27.8% under the age of 18, 12.5% from 18 to 24, 28.2% from 25 to 44, 17.9% from 45 to 64, and 13.5% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 89.2 males. For every 100 females age 18 and over, there were 83.9 males.
The median income for a household in the city was $31,590, and for a family was $38,668. Males had a median income of $27,078 versus $22,002 for females. The per capita income for the city was $16,949. About 13.0% of families and 16.6% of the population were below the poverty line, including 21.8% of those under age 18 and 15.3% of those age 65 or over.
Sumter adopted the council-manager form of government on June 11, 1912. The city council appoints a city manager to serve as chief administrative officer to run the day-to-day business of the city. This individual serves at the pleasure of the council. A mayor is elected to serve as the chairman of the city council; both the mayor and the councilmen serve four-year terms.
Six councilmen, who are not subject to term limits, are elected by ward, whereas the mayor is elected at-large. Sumter City Council is responsible for making policies and enacting laws, rules, and regulations to provide for future community and economic growth. The council is also responsible for providing the necessary support for the orderly and efficient operation of city services.
Martha Priscilla Shaw, who was Sumter’s first female mayor from 1952 to 1956, was also the first woman to serve as a mayor in South Carolina.
There is one school district—Sumter School District—which serves both the City of Sumter and the rest of Sumter County.
Sumter is home to Crestwood High School, Lakewood High School, and Sumter High School. Each public school is accredited by the Southern Association of Colleges and Schools and the State Department of Education. The area also includes the private institutions of Thomas Sumter Academy, Wilson Hall, Sumter Christian School, St. Anne Catholic School, St. Francis Xavier High School, Berea Junior Academy, and Westside Christian Academy.
Sumter is home to several collegiate institutions. The area is served by Morris College (a historically black (HBCU) private, four-year liberal arts college); Central Carolina Technical College (a public two-year technical college); and the University of South Carolina Sumter.
Sumter has a public library system that includes three branches of the Sumter County Library network.
Sumter is home to Shaw Air Force Base, headquarters of the United States Air Forces Central Command, United States Army Central, 15th Air Force, the 20th Fighter Wing, and many other tenant units. Since World War II, it has been a major source of federal and civilian employment in the area.
Shaw’s fighter planes consist of the F-16 Fighting Falcon, which is a versatile multirole fighter. F-16s dispatched from Shaw were the primary fighters used in the Gulf War. In response to the city’s service, presidents from Dwight D. Eisenhower through Barack Obama have visited the city and base. The base was named in honor of 1st Lt. Ervin David Shaw, one of the early Americans to fly combat missions in World War I.
The Santee-Wateree Regional Transit Authority (SWRTA) is responsible for operating mass transit in greater Sumter area. The transit department is in connection with Shaw Air Force Base. SWRTA operates express shuttles and a bus service serving Sumter and the communities within the county. The authority was established in October 2002 after SCANA released ownership of public transportation back to the City of Sumter. Since 2003, SWRTA provides transportation for more than 10,000 passengers, has expanded route services, and introduced 15 new ADA accessible buses offering a safer, more comfortable means of transportation. In recent years, SWRTA added natural gas-powered buses to its small fleet, and has plans to expand.
Swan Lake Iris Gardens is the only public park in the United States containing all eight known species of swan. The lake is dotted with islands and wildlife. The park is also home to some of the nation’s most intensive plantings of Japanese Iris, which bloom yearly in mid to late May and last until the beginning of June. The garden is also planted with camellias, azaleas, day lilies, and Japanese magnolias. A Braille Trail enables the sight-impaired to enjoy the scents and sensations of the gardens.
This area was first developed in 1927 as a private fishing retreat by Hamilton Carr Bland, a local businessman. At the same time he was developing the 30 acres (12 ha) of swamp on what is now the north side of West Liberty Street, he was landscaping the grounds of his home with Japanese iris. They failed miserably, and after consulting expert horticulturists from as far away as New York, he ordered his gardener to dig up the bulbs and dump them at the swamp. The following spring, they burst into bloom.
The park is host to events and festivals throughout the year, including the annual “Iris Festival” which is held every Memorial Day weekend in May. The gardens also host a Christmas event with the nighttime Fantasy of Lights display, featuring more than 1,000,000 varicolored lights. It also hosts an annual Earth Day celebration.
Riley Park is a 2,000-seat stadium primarily used for baseball, and was the home of Sumter Braves, a Single A Atlanta Braves affiliate that competed in the South Atlantic League. Riley Park was home to the Braves from 1985 until 1990, when the team left Sumter for Macon, Georgia. Notable Sumter Braves who went on to Major League success include Tom Glavine, David Justice, Kevin Brown (right-handed pitcher), Mark Wohlers, Ryan Klesko, and Vinny Castilla. The Braves were replaced by the Sumter Flyers in 1991, a Single A Montreal Expos affiliate. The Flyers, however, left Sumter after one season. No professional baseball team has competed in Sumter since the end of the 1991 season.
Riley continues to be the home of the P-15s, an American Legion baseball team with a long history of success. The P-15s have won 15 state titles including in 1940, 1950, 1952, 1962, 1977, 1991, 1992, 1993, 1994, 1999, 2005, 2006, 2008, 2009, and 2011. They advanced to the 2006 American Legion World Series in Cedar Rapids, Iowa where they finished fourth nationally. The P-15s made a return trip to the American Legion World Series hosted by Shelby, NC in 2008 and 2009.
Palmetto Tennis Center is a new state-of-the-art tennis court in Palmetto Park. The tennis center has 24 official size tennis courts. It hosts numerous youth, collegiate, and professional tournaments each year. Sumter Memorial Stadium is home to Sumter High School’s Gamecocks, Marvin Montgomery Field at Donald L. Crolley Memorial Stadium is home to the Crestwood High School Knights, and Dr. J. Frank Baker Stadium is home to the Lakewood High School Gators.
In the 1950s, Sumter was very strong in table tennis state champions, and in 1951, produced an All-American Table Tennis Tournament national men’s champion Oliver Hoyt Stubbs.
New York Yankees former second baseman Bobby Richardson is from Sumter. The town built and named a youth baseball park in his honor. Sumter is also the home of pro basketball star Ray Allen, who had an 18-year career in the NBA.
Jordan Blackmon Montgomery (born December 27, 1992), nicknamed “Gumby”, is an American professional baseball pitcher for the New York Yankees of Major League Baseball (MLB). He made his MLB debut in 2017. Before his professional career, Montgomery played college baseball for the South Carolina Gamecocks of the University of South Carolina.