Owner Operator Truck Truck Insurance Buford, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Buford, Georgia
If you are searching for New Authority Truck Insurance Georgia. JDW Truckers Insurance specializes in New Authority Truck Insurance in Georgia. We help you get affordable commercial insurance rates for your new authority.
We offer quote from only the top rated commercial truck insurance companies who offer the best rates for your new authority in Georgia.
JDW will help get the the correct commercial truck insurance in place which will fit your budget and allow you to haul the cargo you want and need to in order to be successful.
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Owner Operator Truck Truck Insurance Buford, Georgia
We offer affordable new authority trucking insurance for the entire state of Georgia.
We Customize your New Authority Truck Insurance to Help you Save Money!
Our agents at JDW Truckers Insurance know trucking insurance in Georgia. We will explain the different options and commercial truck insurance requirements in Georgia.
We help you get the right coverages in place so you are no over paying for coverages you may not need. We also help you make sure you have the coverages you need in place. And we do this at affordable commercial truck insurance rates.
New Authority Truck Insurance Requirements and Options
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.
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, $5,00 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.
Owner Operator Truck Truck Insurance Buford, Georgia
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Owner Operator Truck Truck Insurance Buford, Georgia
Owner Operator Truck Truck Insurance Buford, Georgia
Buford is a city in Gwinnett and Hall counties in the U.S. state of Georgia. As of the 2020 census, the city had a population of 17,144. Most of the city is in Gwinnett County, which is part of the Atlanta-Sandy Springs-Marietta Metropolitan Statistical Area. The northern sliver of the city is in Hall County, which comprises the Gainesville, Georgia Metropolitan Statistical Area and is part of the larger Atlanta-Athens-Clarke-Sandy Springs Combined Statistical Area.
The city was founded in 1872 after a railroad was built in the area connecting Charlotte, North Carolina, with Atlanta. Buford was named after Algernon Sidney Buford, who at the time was president of the Atlanta and Richmond Air-Line Railway. The city’s leather industry, led by the Bona Allen Company, as well as its location as a railway stop, caused the population to expand during the early 1900s until after the Great Depression had ended.
The city operates its own school district, the Buford City School District, and has been the birthplace and home of several musicians and athletes. Various tourist locations, including museums and community centers, the largest mall in the state of Georgia, the Mall of Georgia, and Lake Lanier Islands are in the Buford region.
Buford appears in historical records beginning in the early 19th century. The area that is now Buford was originally part of Cherokee territory. Despite the treaty in 1817 that ceded the territory to the United States and Gwinnett County’s legislative establishment in 1818, the area was still largely inhabited by the Cherokee until the 1830s. The first non-Native Americans moved to the Buford area in the late 1820s or early 1830s, although the Buford area was not largely settled by them until the 1860s.
During the post-Civil War construction of the extended Richmond and Danville Railroad System in 1865, railroad stockholders Thomas Garner and Larkin Smith purchased land around the railroad’s right-of-way and began developing the city of Buford. The city was named after Algernon Sidney Buford, who was president of the Atlanta and Richmond Air-Line Railway during the railroad’s construction. The town began rapidly expanding around the railway after its completion in 1871, and it was incorporated as the Town of Buford on August 24, 1872, and renamed the City of Buford in 1896.
In the late 1800s and early 1900s Buford became widely known for its leather production, becoming prominently associated with the leather industry and earning the nickname “The Leather City”. Buford became a large producer of leather products, including saddles, horse collars, bridles, and shoes. Buford’s leather industry began with a leatherworker named R.H. Allen opening a harness shop and tannery in 1868, three years before the completion of the railway and the founding of Buford. R.H. Allen’s brother Bona Allen moved to Buford from Rome, Georgia, in 1872 and founded the Bona Allen Company the following year. The leather industry quickly became the city’s largest industry despite setbacks from several fires, including a fire in 1903 that destroyed the buildings of several businesses and a fire in 1906 that destroyed a straw storehouse and nearly destroyed the city’s harness and horse collar factory.
Bona Allen saddles were available through the Sears mail order catalog, and many Hollywood actors used saddles made by the Bona Allen Company, including cowboy actors Gene Autry, the cast of Bonanza, and Roy Rogers, who used a Bona Allen saddle on his horse Trigger. A statue of Roy Rogers and a Bona Allen saddle-maker saddling Trigger is located in downtown Buford. The Bona Allen Company thrived during the Great Depression in the 1930s, likely as a result of the Depression forcing farmers to choose horses over expensive tractors, thereby increasing the demand for saddles, collars, bridles, and other leather products.
The Bona Allen Company constructed Tannery Row in downtown Buford as a shoe factory in 1919. After a brief employee strike the shoe factory was closed in 1942, although it was briefly reopened by the request of the federal government during World War II to make footwear for the military. Afterwards, the factory closed in 1945. In 2003 Tannery Row became home to the Tannery Row Artist Colony, which houses galleries and studios for artists.
After the Great Depression the use of horses for farming decreased and tractors took their place, and the Bona Allen Company steadily downsized until the tannery was eventually sold to the Tandy Corporation in 1968. Buford’s leather industry ended after the tannery experienced a fire in 1981, when the Tandy Corporation decided not to rebuild the tannery and closed the facility.
Buford is located in both northern Gwinnett County in northern Georgia, with a small portion extending north into Hall County. The city is a suburb within the Atlanta metropolitan area. According to the United States Census Bureau, as of 2010 the city has a total land area of 17.09 square miles (44.26 km), of which 17.01 square miles (44.06 km2) is land and 0.08 square miles (0.20 km), or 0.44%, is water. The city’s elevation is 1,183 feet (361 m).
Buford’s city limits are 4.5 miles (7.2 km) west of the Eastern Continental Divide. Ridge Road, part of which uses Buford as a mailing address, runs along the Eastern Continental Divide, although the road itself is outside the city limits. Buford’s primary water supply comes from Lake Lanier an impoundment on the Chattahoochee River.
The climate of Buford, as with most of the southeastern United States, is humid subtropical (Cfa) according to the Köppen classification, with four seasons including hot, humid summers and cool winters. July is generally the warmest month of the year with an average high of around 87 °F (31 °C). The coldest month is January which has an average high of around 50 °F (10 °C). The highest recorded temperature was 107 °F (42 °C) in 1952, while the lowest recorded temperature was −8 °F (−22 °C) in 1985.
Buford receives rainfall distributed fairly evenly throughout the year as typical of southeastern U.S. cities, with February on average having the highest average precipitation at 5.3 inches (130 mm), and April typically being the driest month with 3.7 inches (94 mm).
As of the 2020 United States census, there were 17,144 people, 5,003 households, and 3,607 families residing in the city.
As of 2010 Buford had a population of 12,225. The racial and ethnic composition of the population was 65.8% white, 13.8% black or African American, 0.3% Native American, 2.9% Asian, 14.7% reporting some other race and 2.5% reporting two or more races. 25.5% of the population was Hispanic or Latino of any race.
There were 4,016 households, out of which 33.9% had children under the age of 18 living with them, 45.7% were married couples living together, 15.3% had a female householder with no husband present, and 31% were non-families. 28.3% of all households were made up of individuals, and 14.6% had someone living alone who was 65 years of age or older. The average household size was 2.74 and the average family size was 3.35.
The median age was 35.1 years, and there were 5,973 males and 6,252 females.
The median income for a household in the city was $42,546, and the median income for a family was $44,797. Males had a median income of $31,902 versus $32,218 for females. The per capita income for the city was $19,905. About 18.1% of families and 23.0% of the population were below the poverty line, including 33.2% of those under age 18 and 13.8% of those aged 65 or over.
Buford, as with the rest of Gwinnett County, has a sales tax of 6%, which is a combination of the 4% state sales tax and a 2% local tax. In 2008, CNN Money ranked Buford as number 3 in its annual “100 best places to live and start a business” list.
In the late 1800s and early 1900s, Buford’s economy was centered on both its location as a railway stop and its leather industry, until demand for leather declined and other transportation options became more readily available over the course of the 1900s, and these industries were no longer a viable part of Buford’s economy by the 1980s.
According to the U.S. Census’s American Community Survey 2007–2011 5-year estimate, around 65% of Buford’s population that are 16 years or older are in the labor force. Of these, around 59% are employed, and 6% are unemployed. The power tool manufacturer Makita operates a factory in Buford with 400 employees. The North American division of Takeuchi Manufacturing was located in Buford from 1999 until 2006, when the company moved to a larger facility in Pendergrass, Georgia.
Buford has several walking trails throughout the city; over 7 miles (11 km) of trails are accessible from both the Gwinnett Environmental & Heritage Center and the Mall of Georgia including a portion of the Ivy Creek Greenway, which runs through the city. Buford has walking trails at Bogan and Buford Dam parks. Bogan Park also has several baseball fields and playgrounds as well as the Bogan Park Community Center and Family Aquatics Center. Buford Dam Park is next to Lake Lanier and has areas for swimming and other recreational activities. In addition to the parks run by Gwinnett County there are five city parks located throughout Buford, and a community center, which was completed in early 2012.
The southern part of Lake Sidney Lanier and the Lake Lanier Islands are also located in Buford.
The Mall of Georgia is the largest mall in Georgia and the 36th largest in the United States, with over 200 stores and a 20 Regal Cinema and IMAX Theaters. While outside the official Buford city limits, the mall uses Buford as its mailing address.
The City of Buford is governed by a city commission government headed by a Commission Chairman. Phillip Beard has served as Buford’s Commission Chairman since 1975. When the Town of Buford was incorporated in 1872, a city commission consisting of six commissioners was established to govern the town. When a new city charter was enacted in 1896 that renamed the Town of Buford to the City of Buford, the city commission was replaced with a mayor and six councilmen. The city council governed the City of Buford until a new charter was approved on December 24, 1937, that re-established the city commission government.
The area of Buford inside Gwinnett County is part of Georgia’s 7th congressional district while the Hall County portions of Buford belong to Georgia’s 9th congressional district. For the state government, the city is part of the Georgia State Senate’s 45th and 49th districts, and the 97th, 98th, and 103rd districts for the Georgia House of Representatives.
The city of Buford operates the Buford City School District for residents that live within the city limits, while Gwinnett County Public Schools and Hall County Public Schools operate schools for residents that live outside of the city limits. The Buford City School District operates three elementary schools, Buford Academy, Buford Senior Academy, and Buford Elementary, as well as Buford Middle School and Buford High School.
The Buford-Sugar Hill Branch of the Gwinnett County Public Library is located in Buford.
The Gwinnett Environmental & Heritage Center is a museum and cultural center completed in August 2006 and is located in Buford. The center was created to educate children about both water and environmental resources as well as Gwinnett’s cultural heritage, including the county’s Cherokee and Creek cultures. The Chesser-Williams House, a historic home which is believed to predate the 1850s and one of the oldest wooden-frame houses in Gwinnett county, was moved to the museum to become part of the museum’s cultural exhibits.
Buford Community Center is a multi-purpose facility that was completed in 2012. Located across the street from Buford City Hall, the Buford Community Center has a museum, 290-seat stage theatre, an outdoor amphitheater, and several spaces for meetings, banquets, and weddings.
As part of the Metro Atlanta area, Buford’s primary network-affiliated television stations are WXIA-TV (NBC), WANF (CBS), WSB-TV (ABC), and WAGA-TV (Fox). WGTV is the local station of the statewide Georgia Public Television network and is a PBS member station.
Buford is served by the Gwinnett Daily Post, which is the most widely distributed newspaper in Buford as well as Gwinnett county’s legal organ. The Atlanta Journal-Constitution and Gainesville Times are also distributed in Buford. During the late 1800s, the city of Buford had a number of local newspapers including the Buford Gazette and the Buford Herald, none of which gained consistent widespread use in the city. The weekly Gwinnett Herald served Buford until 1885.
Several movies have been filmed in and around Buford including the 2010 film Killers, Need for Speed, Blended, Charlie and the Chocolate Factory and A Simple Twist of Fate.
Two major interstate highways pass through Buford: Interstate 85 and Interstate 985 both travel through the city in a general northeast-southwest direction. Buford is Exit 115 on I-85 and Exit 4 on I-985. Georgia State Route 20 travels through Buford in a general northwest-southeast direction. U.S. Route 23 travels northeast into Buford before first merging with State Route 20 towards the southeast and then with I-985 towards the northeast.
The Gwinnett County Transit provides public transportation in Buford and Gwinnett County, and GRTA Xpress operates a Park and Ride in Buford that commutes to Atlanta.
As late as 1971 the Southern Railway’s Piedmont made a southbound stop in Buford on a Washington-Atlanta running passenger run. Until 1967 or 1968 the Southern Railway was running an unnamed northbound successor train to its Peach Queen that made a flag stop in Buford.
The nearest airport is the Gwinnett County Airport in the city of Lawrenceville, a small public airport with a single asphalt runway 14 miles (23 km) from Buford. The closest major airports are Hartsfield–Jackson Atlanta International Airport, which is 48 miles (77 km) from Buford and Athens Ben Epps Airport, which is 53 miles (85 km).
Buford has several clinics and family doctors, including an Emory Healthcare clinic and a Northside Hospital imaging center, but no major hospitals inside the city limits. The closest hospital is Northside Hospital-Forsyth, which is 9 miles (14 km) away in Cumming. Gwinnett Medical Center and Emory Johns Creek Hospital are both 12 miles (19 km) from Buford, in Lawrenceville and Johns Creek respectively. Northeast Georgia Health System has a hospital in Gainesville and Braselton.
Buford is home to several Atlanta Falcons players, including defensive tackle Corey Peters and cornerback Chris Owens. Former Falcons players Jeff Merrow, who played for the Falcons from 1975 to 1983, also lives in Buford, and Scott Case, a former NFL defensive back from 1984 to 1995 for the Falcons and Dallas Cowboys, also lives in Buford. Other athletes who live in Buford include retired hockey player Randy Manery, professional drag racing driver Kurt Johnson, and professional baseball pitcher Jon Huber. Professional baseball player Jerry McQuaig died in 2001. Roy Carlyle, who was a Major League Baseball outfielder between 1925 and 1926 for the Washington Senators (1925), Boston Red Sox (1925–26), and New York Yankees (1926), was born in Buford.
Several professional athletes have graduated from Buford High School, including wide receiver P. K. Sam and his younger brother quarterback Lorne Sam, as well as professional WNBA player Christi Thomas. Brownie Wise, saleswoman largely responsible for the success of Tupperware, was born in Buford, as was semi-retired professional wrestler and trainer Steve Lawler.
Several musicians live in Buford, including Widespread Panic guitarist Jimmy Herring and De’Angelo Holmes of the hip-hop duo Ying Yang Twins. Grammy Award-winning songwriter Joe South lived in Buford before his death on September 5, 2012.
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AM Best Ratings
The AM Best Rating of the commercial truck insurance company you choose to insure your operation should not be over looked. You want to be insured by a trucking insurance company that has the financial stability to pay claims. Many shippers will require an AM Best Rating of A – minus of better. At JDW all of network of commercial truck insurance companies have an AM Best Rating of A – or better.