Owner Operators Commercial Truck Insurance Near Me Athens, Alabama
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Athens, Alabama. 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 Athens, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Athens, Alabama 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.
Athens is a city in and the county seat of Limestone County, in the U.S. state of Alabama; it is included in the Huntsville-Decatur-Albertville, AL Combined Statistical Area. As of the 2020 census, the population of the city is 25,406.
Founded in 1818 by John Coffee, Robert Beaty, John D. Carroll, and John Read, Athens is one of the oldest incorporated cities in the state, having been incorporated one year prior to the state’s admittance to the Union in 1819. Limestone County was also created by an act of the Alabama Territorial Legislature in 1818. The town was first called Athenson, but was incorporated as Athens after the ancient city in Greece. The town’s first mayor was Samuel Tanner, and the Tanner area, south of Athens, was named on his behalf.
The Athens area was the home of William Wyatt Bibb, the first governor of Alabama, and its second governor, his brother Thomas Bibb, who succeeded him in office when he died in a fall from his horse.
In 1822, local residents purchased 5 acres (20,000 m) of land and constructed a building to house the Athens Female Academy. The school became affiliated with the Methodist church in 1842, and was eventually renamed Athens Female College. After becoming coeducational in 1932, the school changed its name again to Athens College. After being taken over by the State of Alabama in 1974, the college was converted to a “reverse junior college,” offering the last two years of instruction for graduates of area community colleges. It is today known as Athens State University.
Many homes in the central part of modern Athens date to the antebellum period, and are part of historic preservation districts.
On May 2, 1862, during the Civil War, Athens was seized by Union forces under the command of Col. John Basil Turchin. After occupying the town on May 2, 1862 Turchin assembled his men and reportedly told them: “I shut my eyes for two hours. I see nothing.” He did, in fact, leave the town to reconnoiter defensive positions, during which time his men ransacked the town. The incident was controversial, and Lost Cause supporters vilified Turchin.
Athens was the home of Governor George S. Houston, Alabama’s first post-Reconstruction Democratic governor, who served from 1874 through 1878. Houston was noted for reducing the debts incurred to benefit private railroad speculators and others by his Reconstruction Republican predecessors. During Reconstruction, Athens was the home of the Trinity School, a school founded for the children of former slaves by Mary Fletcher Wells and funded by the American Missionary Association.
Athens was traditionally a cotton and railroad town, but since the local aerospace boom of the 1950s and 1960s, it has increasingly entered the orbit of nearby industry center Huntsville as the area’s cotton production has steadily declined.
Athens is the home of Browns Ferry Nuclear Power Plant, a Tennessee Valley Authority installation first operated in 1974, that was once the world’s largest nuclear plant. It provides many jobs to the area and most of the electricity for the Huntsville-Decatur Metro Area. On March 22, 1975, the Browns Ferry plant became the scene of what was, with the exception of the Three Mile Island accident, the most serious nuclear accident in United States history. A worker using a candle to check for air leaks started a fire among control wires, causing a temporary threat to operational control of the reactor (see Browns Ferry Nuclear Power Plant article on Unit One Fire).
Athens is midway between Nashville and Birmingham on Interstate 65. Athens shares a boundary with Huntsville.
According to the U.S. Census Bureau, the city has a total area of 39.4 square miles (102 km), of which 39.3 square miles (102 km) is land and 0.1 square miles (0.26 km) (0.23%) is water.
The climate in this area is characterized by hot, humid summers and generally cool winters. According to the Köppen climate classification system, Athens has a humid subtropical climate, abbreviated “Cfa” on climate maps.
Athens first appeared on the 1850 U.S. Census as an incorporated place. It did not appear on the 1860 census, but returned again in 1870 and every census to date. Athens was one of the fastest growing areas in Alabama in the 2022 census estimates with 28,661 people recorded in the estimates.
As of the census of 2000, there were 18,967 people, 7,742 households, and 5,140 families residing in the city. The population density was 482.3 inhabitants per square mile (186.2/km). There were 8,449 housing units at an average density of 214.8 per square mile (82.9/km). The racial makeup of the city was 77.72% White, 18.26% Black or African American, 0.40% Native American, 0.71% Asian, 0.02% Pacific Islander, 1.92% from other races, and 0.97% from two or more races. 4.86% of the population were Hispanic or Latino of any race.
There were 7,742 households, of which 30.5% had children under the age of 18 living with them, 50.0% were married couples living together, 13.0% had a female householder with no husband present, and 33.6% were non-families. 31.0% of all households were made up of individuals, and 13.2% had someone living alone who was 65 years of age or older. The average household size was 2.37 and the average family size was 2.97.
In the city, the age distribution of the population showed 23.9% under the age of 18, 9.3% from 18 to 24, 28.4% from 25 to 44, 22.5% from 45 to 64, and 15.8% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 89.8 males. For every 100 females age 18 and over, there were 85.5 males.
The median income for a household in the city of Athens was $33,980, and the median income for a family was $44,544. Males had a median income of $37,191 versus $22,748 for females. The per capita income for the city was $19,315. About 13.7% of families and 16.3% of the population were below the poverty line, including 21.2% of those under age 45 and 10.8% of those age 65 or over.
As of the census of 2010, there were 21,897 people, 9,038 households, and 5,881 families residing in the city. The population density was 557.2 inhabitants per square mile (215.1/km). There were 9,862 housing units at an average density of 250.9 per square mile (96.9/km). The racial makeup of the city was 73.0% White, 17.5% Black or African American, 0.6% Native American, 0.9% Asian, 0.1% Pacific Islander, 5.9% from other races, and 1.9% from two or more races. 8.8% of the population were Hispanic or Latino of any race.
There were 9,038 households, of which 27.7% had children under the age of 18 living with them, 47.5% were married couples living together, 13.7% had a female householder with no husband present, and 34.9% were non-families. 31.2% of all households were made up of individuals, and 12.4% had someone living alone who was 65 years of age or older. The average household size was 2.36 and the average family size was 2.96.
In the city, the age distribution of the population showed 22.8% under the age of 18, 8.8% from 18 to 24, 26.0% from 25 to 44, 26.2% from 45 to 64, and 16.2% who were 65 years of age or older. The median age was 39.2 years. For every 100 females, there were 91.4 males. For every 100 females age 18 and over, there were 95.7 males.
The median income for a household in the city of Athens was $42,127, and the median income for a family was $54,013. Males had a median income of $43,672 versus $31,601 for females. The per capita income for the city was $26,136. About 15.5% of families and 17.5% of the population were below the poverty line, including 26.4% of those under age 45 and 8.5% of those age 65 or over.
As of the 2020 United States census, there were 25,406 people, 9,397 households, and 6,080 families residing in the city.
Athens, the 1st Beat/Precinct of Limestone County first reported on the 1870 U.S. Census. This included both the town/city of Athens and the surrounding area. It did not report a figure for 1880, but returned in 1890 and every census to date. In 1870, when racial demographics were reported, it had a Black majority in that beat. In 1960, Athens precinct was changed to a census division as part of a general reorganization of counties.
Intercity bus service is provided by Greyhound Lines.
Historically, the Louisville and Nashville Railroad ran daily passenger trains, including the Pan-American and an unnamed train, making stops in Athens. This service ended in 1971.
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.
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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.