Owner Operators Commercial Truck Insurance Near Me Brentwood, Tennessee
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Brentwood, Tennessee. 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 Brentwood, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Brentwood, Tennessee 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.
Brentwood is a city in Williamson County, Tennessee, United States. The population was 45,373 as of the 2020 United States census. It is a suburb of Nashville and included in the Nashville metropolitan area.
Successive cultures of prehistoric Native Americans occupied this area for thousands of years. In the first millennium of the Common Era (CE), Mississippian culture people, known locally as the Mound Indians or Stone Box Indians, built complex earthwork mounds topped with ceremonial buildings. Their settlement was part of a culture that throughout the Mississippi Valley and its major tributaries, and traded with other groups across the continent.
Artifacts and mounds of the Mississippian culture have been found during development in the Meadowlake subdivision, and at the library site on Concord Road. Primm Historic Park contains and preserves the largest of the earthwork mounds, which is still visible today. By 1300 these people had largely abandoned this settlement; archeologists have struggled to determine the reasons. There may have been epidemic disease, environmental problems, or warfare with other tribes.
When early European-American settlers arrived in this area in the late 1700s from east of the Appalachian Mountains, it was largely being used as a hunting ground by Native American tribes from Georgia and Alabama. This resulted in many conflicts as the whites encroached on their territory and competed for their resources. In 1786, soon after the United States gained independence, Creek or Cherokee warriors raided the Mayfield family fort, at a site that is now the intersection of Wilson Pike and Old Smyrna Road. Southerland Mayfield and two other men were killed, and the boy George Mayfield was taken captive. One of the Creek families adopted him, as was their practice with war captives. Most Native American tribes adopted young captives to replace individuals they had lost to illness or warfare. After ten years, George Mayfield was returned to European-American society.
Some of the first European-American families here were those headed by James Sneed, Robert Irvin Moore, Thomas Hardeman, Gersham Hunt, Samuel and Andrew Crockett, and John Edmondson, who arrived well before 1800. The Holts, Herberts, Frosts, Hadleys, Hightowers, McGavocks, and Owens soon followed. Many of these families had received land grants in this area because of the men’s service in the Virginia or North Carolina militia during the Revolutionary War. Many of these families’ historic homes have been preserved and may be seen in the 21st century.
What is now called the Cool Springs House in Crockett Park, was first owned by Dr. Robert Carothers and his wife Martha Crockett. They built it at where the intersection of Mallory Lane and Cool Springs Boulevard is now located. Through the years, it passed through numerous owners and renovations. In 1974, the city of Brentwood moved the house to its current location of Crockett Park. Its former site was in an area of rapid growth and development that threatened preservation of the historic asset.
The Frost place on Old Smyrna Road was a center of frontier businesses, with a general store, grist mill, and post office soon developed located there. Settlers planted churches, predominately Methodist, and built up community life. When the railroad was constructed through this area, it established a depot in the town. The city realigned around the depot, which was the link to the newest form of transportation. It became the center of commerce for the present downtown area. The village of Brentwood thrived as the area was developed for cotton plantations.
During the American Civil War, on March 25, 1863, Confederate Brig. Gen. Nathan Bedford Forrest led a column of men into Union-controlled Brentwood, intent on recapturing this section of the Nashville & Decatur Railroad. Forrest performed a quick sneak attack on Union Lt. Col. Edward Bloodgood. Forrest had cut the telegraph wires, isolating Bloodgood as he brought in heavy artillery. Bloodgood surrendered Brentwood that day, which was a significant loss for the Federals. Overall, there were 305 Union and 6 Confederate casualties. Much of Brentwood was destroyed in the battle.
After the Civil War, many of the large plantations were sold or had plots leased to freedmen sharecroppers and tenant farmers. Smaller farms dotted the countryside. Tobacco became the commodity crop of choice. The population was stable for almost 100 years.
In the 1930s, even during the Great Depression, Brentwood began to rebound. One by one, businessmen and merchants from Nashville bought the former plantation houses. They began to revive fox hunting on their estates and raise quality horses.
On April 15, 1969, Brentwood incorporated as a city. That same year the interstate was built through the area, ushering a new period of residential and commercial growth. It made commuting easier for people who worked in Nashville and wanted to live in newer housing. The Maryland Farms office complex was built a few years later on what was once an American Saddle Horse farm and race track. The Brentwood Derby was run there until the mid 1970s.
Development has continued as Nashville has expanded its economy. In August 2016, developers announced a $270 million project in the Cool Springs area. It was to include commercial, hotel and retail development.
As of the 2000 census, Brentwood had a land area of 35.4 square miles (92 km), but an annexation in 2001 increased the area to 40.8 square miles (106 km). In 2010, it was found that Brentwood had a population density of 899.9 per square mile.
Brentwood has a humid subtropical climate (Köppen Cfa) with hot, humid summers and mild to cool winters. Precipitation occurs year-round, spring being slightly wetter and the late summer to early autumn being slightly drier.
Snow and ice are an occasional nuisance during winter months, but amounts are typically light. Brentwood can experience severe weather year-round, and tornadoes are an enhanced risk from November through May. Three tornadoes that hit Brentwood in recent history occurred on December 24, 1988, January 30, 2013, and March 1, 2017. A little known fact is that Brentwood (as well as the western two-thirds of Tennessee) is within Dixie Alley, a region in the Southern United States that is at high risk from destructive tornadoes. The community also lies within USDA Plant Hardiness Zone 7.
As of the 2020 United States census, there were 45,373 people, 13,899 households, and 11,936 families residing in the city.
As of the 2010 census, there were 37,060 people, comprising 11,791 households residing in the city. The population density was 676.7 inhabitants per square mile (261.3/km). There were 12,577 housing units at an average density of 227.7 per square mile (87.9/km). The racial makeup of the city was 90.0% Caucasian, 3.0% African American, 0.2% Native American, 5.0% Asian, and 1.6% from two or more races. Hispanic or Latino of any race were 2.1% of the population.
Educationally, at the 2010 census 98.4% of adult residents 25 and older held a high school diploma and 68.4% of adults possessed a bachelor’s degree or higher. In 2014, the median household income in Brentwood was $138,395. The per capita income for the city was $58,745. About 2.0% of the population were below the poverty line. Real-estate firm Movoto ranked Brentwood as the seventh-wealthiest small town in the United States in 2014. In 2010, the average home sale in Brentwood was for $625,000.
In 2017, Brentwood, Tennessee had a population of 41.5k with a median age of 41.2 and a median household income of $151,722.
There were 11,791 households, out of which 48.2% had children under the age of 18 living with them, 82.2% were married couples living together, 4.9% had a female householder with no husband present, and 11.5% were non-families. 10.0% of all households were made up of individuals, and 3.2% had someone living alone who was 65 years of age or older. The average household size was 3.02 and the average family size was 3.24.
In the city, the population was spread out, with 31.5% under the age of 18, 4.3% from 18 to 24, 23.6% from 25 to 44, 32.4% from 45 to 64, and 8.2% who were 65 years of age or older. The median age was 41 years. For every 100 females, there were 97.1 males. For every 100 females age 18 and over, there were 93.2 males.
Brentwood is served by Williamson County Schools. Some of the high schools in Williamson County are ranked among the highest in the state according to US News, with Brentwood High School ranked fifth in Tennessee in 2018 and Ravenwood High School sixth.
Concord Park is a 40-acre (160,000 m) park at Concord Road and Knox Valley Drive. It is home to the Brentwood Library and near Lipscomb Elementary School. Concord Park features paved walking and biking trails. A trailhead for a portion of the Concord Park walking trail is located adjacent to the Brentwood Family YMCA. There are also soccer fields.
Crockett Park is Brentwood’s 2nd largest park, at more than 170 acres (0.7 km). It features seven lit tennis courts, restroom/concessions buildings, eight lit ball fields, 11 multi-purpose fields, bikeway/jogging trails, a disc golf course, two historic homes, a community playground, picnic shelters, and the Eddy Arnold amphitheater. Crockett Park also has an indoor arena used for soccer, lacrosse, and flag football. It also serves as the home for Brentwood’s yearly Fourth of July fireworks celebration. The City of Brentwood sponsors an annual summer concert series at the Eddy Arnold Amphitheater in Crockett Park, with free admission to the public.
The Deerwood Arboretum and Nature Area is 27 acres (110,000 m) and has an observation deck, covered outdoor classrooms, and an amphitheater. The Arboretum contains man-made lakes, nature trails, and indigenous wildlife, and the Little Harpeth River flows through it.
Granny White Park is a 32-acre (130,000 m) park with several sporting facilities including four lighted tennis courts, softball/baseball fields, jogging/biking trails, a multi-purpose field (soccer and lacrosse goals provided), sand volleyball court, playground, and picnic pavilion and is located near Brentwood Middle School.
Smith Park is located off of Wilson Pike abutting the city limits. Comprising 397 acres, this park was purchased in 2010/2013 and has become Brentwood’s largest park. Initial plans include walking, biking, and hiking trails, as well as multipurpose fields. The 1825 Ravenswood (Brentwood, Tennessee) mansion is a center piece to be used as a meeting place for the public. Many have used the mansion to hold weddings, receptions, or other gatherings. Phase I of the park was opened in the spring of 2014. Smith Park is the largest park in Brentwood, and has several walking and hiking trails.
Maryland Way Park is located in the Maryland Farms area and includes a paved walking and biking path with 20 exercise stations on 7 acres (28,000 m). Maryland Way park is adjacent to the Maryland Farms YMCA.
Primm Park is a 31-acre (130,000 m) park off Moores Lane. Located on the site is Boiling Spring Academy, a historic schoolhouse built in 1832 and restored in 2003. The park is also home to the Fewkes Group Archaeological Site, a Mississippian mound complex consisting of five mounds arrayed around a central plaza. The Fewkes site is listed on the National Register of Historic Places.
Owl Creek Park is Brentwood’s second newest park, after Smith park, completed in the summer of 2007. It is 21 acres (85,000 m) and includes a playground, picnic shelters, walking paths, and basketball courts.
River Park is a 43-acre (170,000 m) park adjacent to Concord Park. It features a restroom facility, playground, outdoor basketball court, and borders the YMCA soccer fields. Adjacent to River Park is the Brentwood Family YMCA, now complete with a skate park.
Tower Park is a 47-acre (190,000 m) park north of the WSM Tower off Concord Road. It includes multi-purpose fields, natural open spaces, and jogging and biking trails. The new Williamson County Indoor Sports Complex is located here. At 76,000 square feet (7,100 m), it consists of a fifty-meter indoor pool, five indoor tennis courts, a fitness center, locker rooms, a childcare room, and a multi-purpose room.
According to the City’s 2015 Comprehensive Annual Financial Report, the top employers in the city are:
Brentwood is a participant in the Sister Cities program and has a relationship with the British town of the same name.
35°59′53″N 86°47′33″W / 35.998194°N 86.792619°W
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.