Owner Operator Insurance Requirements Warner Robins, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Warner Robins, 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 Warner Robins, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Warner Robins, 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.
Warner Robins (typically wore-nur-RAH-bins) is a city in Houston and Peach counties in the U.S. state of Georgia. It is currently the state’s eleventh-largest incorporated city, with a population of 80,308 in the 2020 Census.
The city is the main component of the Warner Robins Metropolitan Statistical Area, including the entirety of Houston, Peach, and Pulaski counties, which had a census population of 201,469 in 2020; it, in turn, is a component of a larger trade area, the Macon–Warner Robins–Fort Valley Combined Statistical Area, with an estimated 2018 population of 423,572. Robins Air Force Base, a major U.S. Air Force maintenance and logistics complex that was founded as the Warner Robins Air Depot in 1942, is located just east of the city limits; the base’s expansion and the suburbanization of nearby Macon have led to the city’s rapid growth in the post-World War II era.
Warner Robins was founded in 1942 when the small farming community of Wellston was renamed for General Augustine Warner Robins (1882-1940) of the United States Army Air Corps, which later became the United States Air Force. It was incorporated as a town in 1943 and as a city in 1956.
The 1940 census shows that the community of Wellston was sparsely populated and inhabited primarily by farmers and their families. Its most notable landmark was a stop on the railroad line. Wellston also had a small sawmill and a grocery store. Peach orchards covered parts of the surrounding land.
This changed during World War II. The War Department made plans to build an air depot in the Southeast. With the assistance of influential U.S. Representative Carl Vinson, Wellston community leader Charles Bostic “Boss” Watson worked with officials in Macon to make a bid to locate this air depot in Houston County. In June 1941, the U.S. government accepted this offer, which included 3,108 acres (12.58 km) of land.
This air force base was initially called Wellston Army Air Depot when it opened in 1942. The first commander was Colonel Charles E. Thomas. He wanted to name this depot in honor of his mentor Augustine Warner Robins, who was called by his middle name, Warner. Regulations prevented him from doing this, which required the base to be named after the nearest town. Not deterred by this, Colonel Thomas persuaded Boss Watson and the other community leaders to rename the town of Wellston. So on September 1, 1942, the town was given the new name of Warner Robins. Soon thereafter, on October 14, 1942, the base was renamed to become Warner Robins Army Air Depot. The city has a unique name, shared with no other town in the United States.
Robins Air Force Base is not within the city limits of the town but is across U.S. Highway 129 (Georgia State Highway 247), which serves as a boundary between the base and the city.
In 2018, First Solar announced a project for a 200-megawatt, 2,000-acre (8.1 km) solar panel facility in Twiggs County east of Warner Robins. The facility would be the largest solar facility in the southeast.
Tornadoes have continually plagued the city since its inception with the 1950s seeing at least four catastrophic tornadoes strike the area. The first one occurred on April 30, 1953, when an F4 tornado with winds of over 200 mph hit the city and portions of Robins Air Force Base, killing 18 people and injuring 300 more. That same day, a second tornado that was rated F2 damaged the northwest side of town. Just ten months later on March 13, 1954, a long-tracked F1 tornado struck the town, killing one and injuring five. Three years later, on April 5, 1957, a long-tracked F2 tornado family hit the northwest side of the city, causing considerable damage. To date, at least nine tornadoes have hit the town and the surrounding area.
Warner Robins is located at 32°36′31″N 83°38′17″W / 32.60861°N 83.63806°W (32.608720ºN, −83.638027ºE). It is approximately 20 miles (32 km) south of Macon and 100 miles (160 km) south of Atlanta.
According to the United States Census Bureau, the city has a total area of 35.4 square miles (92 km), of which 35.1 square miles (91 km) is land and 0.3 square miles (0.78 km) (0.82%) is water.
Warner Robins is governed by a mayor and a six-member city council, four of whom are elected by district and two of whom are elected at-large. LaRhonda Patrick has been serving as mayor since 2022, after defeating incumbent mayor Randy Toms in a November 2021 runoff election. She is the first woman and first person of color to be elected mayor of Warner Robins.
Since 2013, most of the city is within the 147th district of the Georgia House of Representatives, currently represented by Republican member Bethany Ballard.
Warner Robins is generally located between U.S. Highway 129/Georgia State Route 247 and Interstate 75 about 6 miles (10 km) to the west; Georgia State Route 96 passes through the southern edge of the city. U.S. Highway 129 leads north 19 mi (31 km) to downtown Macon and south 28 mi (45 km) to Hawkinsville. GA-247 follows U.S. Highway 129 throughout the city, and leads north to Macon and south to Hawkinsville. GA-96 leads east-northeast 27 mi (43 km) to Jeffersonville and west 20 mi (32 km) to Fort Valley.
As of the 2020 United States census, there were 80,308 people, 29,742 households, and 19,256 families residing in the city.
As of the census of 2010, there were 66,588 people, 19,550 households, and 13,078 families residing in the city. The population density was 2,143.9 inhabitants per square mile (827.8/km) . There were 29,084 housing units at an average density of 952.7 per square mile (367.8/km). The racial makeup of the city included 50.00% White, 36.60% African American, 0.30% Native American, 2.60% Asian, 0.07% Pacific Islander, .10% from other races, and 2.60% from two or more races. Hispanic or Latino people of any race were 15.60% of the population.
There were 19,550 households, out of which 34.3% had children under the age of 18 living with them, 46.3% were married couples living together, 16.6% had a female householder with no husband present, and 33.1% were non-families. 28.1% of all households were made up of individuals, and 7.5% had someone living alone who was 65 years of age or older. The average household size was 2.48 and the average family size was 3.03.
In the city, the population was spread out, with 28.0% under the age of 18, 9.6% from 18 to 24, 31.9% from 25 to 44, 20.2% from 45 to 64, and 10.8% who were 65 years of age or older. The median age was 33 years. For every 100 females, there were 94.2 males. For every 100 females age 18 and over, there were 90.1 males.
The median income for a household in the city was $38,401, and the median income for a family was $44,217. Males had a median income of $33,030 versus $24,855 for females. The per capita income for the city was $18,121. About 11.0% of families and 13.2% of the population were below the poverty line, including 20.5% of those under age 18 and 8.6% of those age 65 or over.
In 2009, Business Week magazine named Warner Robins the best place in Georgia to raise a family. The ranking was bestowed again for 2010. The Warner Robins Area Chamber was named one of the top three chambers of commerce in the U.S. for a chamber in its division in 2009 by the American Chamber of Commerce Executives Association. In 2012, CNN Money named Warner Robins No. 7 on its Best Places To Live list for America’s best small cities.
Warner Robins has a humid subtropical climate (Köppen Cfa). It experiences hot, humid summers and generally mild winters, with average high temperatures ranging from 92.0 °F (33.3 °C) in the summer to 58.0 °F (14.4 °C) high during winter. Snowfall is a moderately rare event. Warner Robins-area historical tornado activity is slightly above the state average. It is 86% greater than the overall U.S. average.
Warner Robins is home to the Museum of Aviation, which honors the history of military aviation. Located next to the Air Force base, the museum contains exhibits on military memorabilia, airplanes and ground vehicles, the Tuskegee Airmen, and Operation Desert Storm. It is the second largest museum sponsored by the United States Air Force and the fourth-most visited museum in the Department of Defense. It is also the largest tourist attraction outside Atlanta in the state of Georgia.
According to Warner Robins residents in 1958 Claude Lewis, director of the Warner Robins Recreation Department, invented the game of tee-ball. The first game was played in March of that year with 20 children participating. Lewis wrote rules for the new game and sent rule books out to recreation departments all over the country. In 2006, a field was dedicated and named for Lewis, “the father of tee-ball”, at the Warner Robins American Little League complex.
Warner Robins Little League won the 2007 Little League World Series 3–2 against Tokyo Kitasuna Little League of Tokyo, Japan.
On December 9, 2008, the Little League International Board of Directors unanimously voted for Warner Robins to become the new Southeast Region Headquarters of Little League Baseball and Softball. Games began to be played in Warner Robins in 2010.
The Warner Robins American Little League girls’ softball team won the 2009 Little League Softball World Series by defeating Crawford, Texas, making Warner Robins the only Little League to have won both a baseball and a softball title.
The Warner Robins American Little League girls’ softball team defended their 2009 championship by defeating Burbank, California in the 2010 Little League Softball World Series. By doing so, Warner Robins became only the fourth Little League program to produce back-to-back championship teams, and the first since Waco, Texas, which had won in 2003–2004.
The official motto of Warner Robins is “EDIMGIAFAD”, which is an acronym for “Every Day In Middle Georgia Is Armed Forces Appreciation Day” (originally: Every Day In Middle Georgia Is Air Force Appreciation Day). The coining of this phrase is attributed to Dr. Dan Callahan, a local civic leader. In 2010, Dr. Callahan and a group of community leaders launched an effort to change the acronym to “EDIUSAIAFAD”, as part of a movement to take the sentiment national: “Every Day in the USA is Armed Forces Appreciation Day”.
Robins Air Force Base is one of the largest employers in the state of Georgia and directly contributes over 25,000 military, civil service, and contractor jobs to the local economy. It has provided economic stability for Warner Robins that has benefited the entire Middle Georgia community.
The city of Warner Robins is working on redeveloping and renewing areas that have suffered from urban decay and/or abandonment through neglect and city growth. The city’s plans include development of a centralized downtown center “for pedestrian-oriented businesses, culture and community gathering” to be re-established at Commercial Circle in order to “connect commerce and culture back to Downtown.”
In May 2009 Warner Robins was listed by the Adversity Index as one of four Georgia metro areas that have had less than nine months of recession over the past fifteen years and have only recently been affected by the Global Financial Crisis of 2008–2009.
In June 2011, Warner Robins was listed in Wired magazine as one of 12 small cities that are driving the “Knowledge Economy”. Georgia was the only Southeastern state listed, and Warner Robins was one of two Georgia cities ranked (the other one being Hinesville-Ft. Stewart). The rankings featured small cities that are luring knowledge workers and entrepreneurs and which have both a relatively high median family income and a relatively high percentage of creative workers who drive the economy.
Houston County Hospital was dedicated on July 2, 1960, with 50 beds. The hospital was renamed Houston Medical Center in 1986 after renovations. The patient rooms were converted at this time from semi-private to private, with 186 beds available. The addition of a new five-story northwest tower was completed in 2009, making a total of 237 beds. Houston Medical Center is part of the Houston Healthcare system, which serves over 300,000 people annually.
High school football has long been a storied and celebrated pastime in Warner Robins, with the city laying claim to state championships, national championships, college stars, and NFL players.
The annual Northside vs. Warner Robins game draws an estimated 21,000 fans and was named the #3 rivalry in the country by USA Today in 2006.
Warner Robins High School won two National Championships, in 1976 and 1981. It won six State Championships, in 1976, 1981, 1988, 2004, 2020 and 2021.
Northside High School was crowned State Champion in 2006, 2007 and 2014.
The Warner Robins Little Theatre was established in 1962 as a non-profit community theatre. This organization now owns their theatre playhouse debt-free. The theatre continues to thrive. Five main shows are produced every year. Occasionally workshops and other special events are held for the Middle Georgia community.
The bands Rehab, Stillwater, Doc Holliday, Sugar Creek, and Luke’s Cabbage Store are based in Warner Robins.
Warner Robins is part of the Macon DMA, which is the nation’s 120th largest television market. See the box below for local television stations:
Warner Robins is part of the Macon Arbitron Metro, which is the nation’s 130th largest radio market with a person 12+ population of 372,400. See the box below for the local radio stations:
The portion of Warner Robins in Houston County is served by the Houston County School System. The portion of the city in Peach County is served by Peach County School District.
The library is the Nola Brantley Memorial Library.