Owner Operators Commercial Truck Insurance Near Me Aiken, South Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Aiken, 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 Aiken, South Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Aiken, 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.
Aiken is the largest city in, and the county seat of, Aiken County, in western South Carolina. It is one of the two largest cities of the Central Savannah River Area. Founded in 1835, Aiken was named after William Aiken, the president of the South Carolina Railroad. It became part of Aiken County when the county was formed in 1871 from parts of Orangeburg, Lexington, Edgefield, and Barnwell counties.
Aiken is home to the University of South Carolina Aiken. According to 2020 census, the population was 32,025. The National Civic League gave Aiken the All-America City Award in 1997. Aiken was also named “best small town of the South” by Southern Living.
Aiken is near the center of Aiken County. It is 20 miles (32 km) northeast of Augusta, Georgia, along U.S. Route 1 and U.S. Route 78. Interstate 20 passes 6 miles (10 km) to the north of the city, with access via South Carolina Highway 19 (Exit 18) and US 1 (Exit 22).
According to the United States Census Bureau, the city has an area of 20.8 square miles (54.0 km), of which 20.7 square miles (53.6 km) is land and 0.15 square miles (0.4 km), or 0.68%, is water.
Aiken has a humid subtropical climate characterized by hot, humid summers and cool, dry winters, but experiences milder temperatures throughout the year than the rest of the state. Precipitation is distributed relatively uniformly throughout the year, with mostly rain in the milder months and occasional snow in the winter. The coldest recorded temperature was −4 °F or −20 °C on January 21, 1985, and the hottest 109 °F or 42.8 °C on August 21, 1983.
As of the 2020 United States census, there were 32,025 people, 12,923 households, and 8,479 families residing in the city.
As of the census of 2010, there were 29,524 people and 12,773 households with a population density was 1,416.3 inhabitants per square mile (546.8/km). There were 14,162 housing units at an average density of 703.1 per square mile (271.5/km). The racial makeup of the city was 66.8% White, 28.5% Black or African American, 0.25% Native American, 1.28% Asian, 0.01% Pacific Islander, 0.44% from other races, and 1.09% from two or more races. Hispanic or Latino people of any race were 2.6% of the population.
There were 10,287 households, out of which 28.1% had children under the age of 18 living with them, 48.9% were married couples living together, 13.7% had a female householder with no husband present, and 34.3% were non-families. 29.6% of all households were made up of individuals, and 11.6% had someone living alone who was 65 years of age or older. The average household size was 2.34 and the average family size was 2.90.
In the city, the population was spread out, with 23.2% under the age of 18, 9.4% from 18 to 24, 25.5% from 25 to 44, 24.0% from 45 to 64, and 17.8% who were 65 years of age or older. The median age was 40 years. For every 100 females, there were 87.2 males. For every 100 females age 18 and over, there were 83.0 males.
The median income for a household in the city was $49,100, and the median income for a family was $63,520. Males had a median income of $51,988 versus $28,009 for females. The per capita income for the city was $24,129. About 10.1% of families and 14.4% of the population were below the poverty line, including 21.0% of those under age 18 and 10.5% of those age 65 or over.
Aiken is governed via a mayor-council system. A mayor is elected at large. The city council consists of six members. All six members are elected from single-member districts.
The municipality of Aiken was incorporated on December 19, 1835. The community formed around the terminus of the South Carolina Canal and Railroad Company, a rail line from Charleston to the Savannah River, and was named for William Aiken, the railroad’s first president.
During Sherman’s March to the Sea in the American Civil War Sherman ordered Hugh Judson Kilpatrick and the cavalry corps he commanded to march through South Carolina. By February 5, they had reached Aiken County. While in Aiken county Kilpatrick fought Joseph Wheeler and his cavalry corps. This battle, called the Battle of Aiken, was a Confederate victory.
Originally it was in the Edgefield District. With population increases, in 1871 Aiken County was organized, made up of parts of neighboring counties. Among its founding commissioners were three African-American legislators: Prince Rivers; Samuel J. Lee, speaker of the state House and the first black man admitted to the South Carolina Bar; and Charles D. Hayne, a free man of color from one of Charleston’s elite families.
Aiken was a planned town, and many of the streets in the historic district are named for other cities and counties in South Carolina, including Abbeville, Barnwell, Beaufort, Chesterfield, Colleton, Columbia, Dillon, Edgefield, Edisto, Fairfield, Florence, Greenville, Hampton, Horry, Jasper, Kershaw, Lancaster, Laurens, Marion, Marlboro, McCormick, Newberry, Orangeburg, Pendleton, Pickens, Richland, Sumter, Union, Williamsburg and York.
In the late 19th century, Aiken gained fame as a wintering spot for wealthy people from the Northeast. Thomas Hitchcock, Sr. and William C. Whitney established the Aiken Winter Colony. Over the years Aiken became a winter home for many notable people, including George H. Bostwick, James B. Eustis, Madeleine Astor, William Kissam Vanderbilt, Eugene Grace, president of Bethlehem Steel, Allan Pinkerton, and W. Averell Harriman.
Between 1890 and the 1920s, many Jewish immigrants settled in Aiken. The Jewish immigrants were from Eastern Europe, including Russia and Poland. Many were from Knyszyn, Poland. In 1905, a group of Russian-Jewish socialists from New York founded a farming colony in Aiken County that was known as “Happyville”. Adath (Adas) Yeshurun (Congregation of Israel) Synagogue was chartered in Aiken in 1921 and the cornerstone was laid in 1925. An historical marker was added to the synagogue in 2014, sponsored by the Jewish Historical Society of South Carolina. In 1903, the Jewish-American peddler Abraham Surasky was the victim of an antisemitic murder that occurred near Aiken.
The United States Atomic Energy Commission’s selection of a site near Aiken for a plant to produce fuel for thermonuclear weapons was announced on November 30, 1950. Residences and businesses at Ellenton, South Carolina, were bought for use for the plant site. Residents were moved to New Ellenton, which was constructed about eight miles north, or to neighboring towns.
The site was named the Savannah River Plant, and renamed the Savannah River Site in 1989. The facility contains five production reactors, fuel fabrication facilities, a research laboratory, heavy water production facilities, two fuel reprocessing facilities, and tritium recovery facilities.
Aiken has a public library, a branch of the ABBE Regional Library System.
The Aiken Steeplechase Association, founded in 1930, hosts the Imperial Cup each March and the Holiday Cup in October, both races sanctioned by the National Steeplechase Association. This event draws more than 30,000 spectators.
The Aiken Thoroughbred Racing Hall of Fame and Museum was established in 1977 as a tribute to the famous flat racing and steeplechase thoroughbred horses trained at the Aiken Training Track.
Aiken hosts many polo matches at its numerous polo fields. Other local events include:
In the late 19th century and the first part of the 20th century, Aiken served as a winter residence for many of the country’s wealthiest families, such as the Vanderbilts, Bostwicks, and the Whitneys.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.