Owner Operators Commercial Truck Insurance Near Me Bristol, Tennessee
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Bristol, 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 Bristol, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Bristol, 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.
Bristol is a city in Sullivan County, Tennessee, United States. The population was 27,147 at the 2020 census. It is the twin city of Bristol, Virginia, which lies directly across the state line between Tennessee and Virginia. The boundary between the two cities is also the state line, which runs along State Street in their common downtown district. It is a principal city in the Kingsport–Bristol metropolitan area, which had a population of 307,614 in 2020. The metro area is a component of the larger Tri-Cities region of Tennessee and Virginia, with a population of 508,260 in 2020.
Bristol is known for being the site of some of the earliest commercial recordings of country music, showcasing Jimmie Rodgers and the Carter Family, and later a favorite venue of mountain musician Uncle Charlie Osborne. The U.S. Congress recognized Bristol as the “Birthplace of Country Music” in 1998, and the Birthplace of Country Music Museum is located in Bristol. It also is the birthplace of Tennessee Ernie Ford.
Bristol is the site of Bristol Motor Speedway, a NASCAR short track. The world’s fifth-largest coal producer, Contura Energy, is based in Bristol.
Before 1852, the land where Bristol is located was owned by Reverend James King. His son-in-law, Joseph R. Anderson of Blountville, Tennessee, bought 100 acres (40 ha) of the plantation and named it Bristol. The G.W. Blackley House, one of the oldest houses in Bristol, was constructed in 1869.
The U.S. Congress declared Bristol to be the “Birthplace of Country Music”, according to a resolution passed in 1998, recognizing its contributions to early country music recordings and influence, and the Birthplace of Country Music Museum is located in Bristol.
In 1927, record producer Ralph Peer of Victor Records began recording local musicians in Bristol, to attempt to capture the local sound of traditional “folk” music of the region. One of these local sounds was created by the Carter Family, who got their start on July 31, 1927, when A.P. Carter and his family journeyed from Maces Spring, Virginia, to Bristol to audition for Ralph Peer, who was seeking new talent for the relatively embryonic recording industry. They received $50 for each song they recorded. That same visit by Peer to Bristol also resulted in the first recordings by Jimmie Rodgers.
Since 1994, the Birthplace of Country Music Alliance has promoted the city as a destination to learn about country music and the city’s role in the creation of an entire music genre. The alliance is organizing the building of a new Cultural Heritage Center to help educate the public about the history of country music in the region. On August 1, 2014, the Birthplace of Country Music Museum opened in Bristol, Virginia to commemorate the historical significance of the Bristol sessions. The museum features a 24,000-ft building that houses core exhibits, space for special exhibits, a performance theater, and a radio station.
Every year, during the third weekend in September, a music festival called the Bristol Rhythm & Roots Reunion takes place. The festival is held downtown, where Tennessee and Virginia meet, and it celebrates Bristol’s heritage as the birthplace of country music.
Bristol is located in the northeast corner of Tennessee, at 36°34′9″N 82°11′51″W / 36.56917°N 82.19750°W (36.569135, −82.197489).
Bristol is located 20.95 miles east of Kingsport, Tennessee, 21.51 miles northeast of Johnson City, Tennessee, 38.74 miles northwest of Boone, North Carolina, 105.96 miles northeast of Knoxville, Tennessee, and 132.61 miles southwest of Roanoke, Virginia.
According to the United States Census Bureau, the city has a total area of 29.5 square miles (76.4 km), of which 29.4 square miles (76.1 km) are land and 0.1 square miles (0.3 km) (0.44%) is covered by water.
Like much of the rest of the state, Bristol has a humid subtropical climate (Köppen climate classification: Cfa), although with significantly cooler temperatures, especially in the summer, due to elevation; it is part of USDA hardiness zone 6b, with areas to the southwest falling in zone 7a. The normal monthly mean temperature ranges from 35.2 °F (1.8 °C) in January to 74.6 °F (23.7 °C) in July, while, on average, 8.8 days have temperatures at or below freezing and 17 days with highs at or above 90 °F (32 °C) per year. The all-time record low is −21 °F (−29 °C), set on January 21, 1985, while the all-time record high is 103 °F (39 °C), set on June 30, 2012.
Precipitation is low compared to much of East Tennessee, averaging 41.0 inches (1,040 mm) annually, and reaches a low during autumn. The rainiest calendar day on record is October 16, 1964, when 3.65 inches (93 mm) of rain fell; monthly precipitation has ranged from 0.02 inches (0.51 mm) in October 2002 to 12.70 inches (323 mm) in July 2012. Bristol’s normal (1981–2010) winter snowfall stands at 13.3 inches (34 cm), significantly more than what most of Tennessee receives. The most snow in one calendar day was 16.2 inches (41 cm) on November 21, 1952, while the most in one month is 27.9 inches (71 cm) during March 1960, which contributed to the winter of 1959–60, with a total of 51.0 inches (130 cm), finishing as the snowiest on record.
As of the 2020 United States census, there were 27,147 people, 11,450 households, and 6,808 families residing in the city.
As of the census of 2000, 24,821 people, 10,648 households, and 6,825 families were residing in the city. The population density in 2000 was 846 people per square mile (326.5/km). The 11,511 housing units averaged 392.2 per square mile (151.4/km). The racial makeup of the city was 95.15% White, 2.97% African American, 0.31% Native American, 0.64% Asian, 0.24% from other races, and 0.70% from two or more races. Hispanics or Latinos of any race were 0.68% of the population.
Of the 10,648 households, 26.2% had children under the age of 18 living with them, 49.0% were married couples living together, 11.4% had a female householder with no husband present, and 35.9% were not families. Nearly 32% of all households were made up of individuals, and 14.1% had someone living alone who was 65 years of age or older. The average household size was 2.26, and the average family size was 2.84.
In the city, the age distribution was 21.1% under 18, 9.1% from 18 to 24, 27.2% from 25 to 44, 24.7% from 45 to 64, and 17.9% who were 65 or older. The median age was 40 years. For every 100 females, there were 90.6 males. For every 100 females age 18 and over, there were 87.3 males.
The median income for a household in the city was $30,039, and for a family was $37,341. Males had a median income of $28,210 versus $21,173 for females. The per capita income for the city was $18,535. About 11.5% of families and 15.0% of the population were below the poverty line, including 19.4% of those under age 18 and 12.0% of those age 65 or over.
Bristol is the location of Bristol Motor Speedway, a motorsports venue that hosts several NASCAR events. It is also home to Bristol Dragway, which hosts the Ford Thunder Valley Nationals, an NHRA national event.
A Pittsburgh Pirates rookie Minor League Baseball affiliate, the Bristol Pirates, played its home games at DeVault Memorial Stadium in Bristol, Virginia, from 1969 to 2020. In conjunction with a contraction of Minor League Baseball beginning with the 2021 season, the Appalachian League, in which the Pirates played, was reorganized as a collegiate summer baseball league, and the Pirates were replaced by a new franchise in the revamped league designed for rising college freshman and sophomores.
Television:
Note-WEMT is licensed to Greeneville, Tennessee, but co-located with sister station WCYB-TV.
Radio:
Newspaper:
Bristol Tennessee City Schools operates public schools serving almost all of the city, with Tennessee High School being its public high school. Small sections are in the Sullivan County School District.
The Bristol Police Department is the municipal law enforcement agency for the city. The BPD has 69 sworn officers and 25 civilian support staff. It also makes use of citizen volunteers as an auxiliary staff that saves the department over $100,000 annually.
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.
