Owner Operators Commercial Truck Insurance Near Me Douglasville, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Douglasville, Georgia. 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 Douglasville, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Douglasville, Georgia 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.
The city of Douglasville is the county seat of Douglas County, Georgia, United States. As of the 2020 census, the city had a population of 34,650, up from 30,961 in 2010 and 20,065 in 2000.
Douglasville is located approximately 20 miles (32 km) west of Atlanta and is part of the Atlanta Metro Area. Highway access can be obtained via three interchanges along Interstate 20.
Located along a natural rise in the topography, Douglasville was originally known as “Skint Chestnut.” The name was derived from a large tree used by Native Americans as a landmark; it was stripped of its bark so as to be more conspicuous.
Douglasville was founded in 1874 as the railroad was constructed in the area. That same year, Douglasville was designated as the county seat of the recently formed Douglas County. The community was named for Senator Stephen A. Douglas of Illinois.
Georgia General Assembly first incorporated Douglasville in 1875.
On September 21, 2009, Douglas County was devastated by the worst flood in Georgia history. Over 18 inches (457 mm) of rain fell in one night, destroying many roads and homes. The county was later declared a disaster area, and the governor of Georgia declared a state of emergency. The flooding most affected the areas of Douglasville, Villa Rica, Austell, Lithia Springs, and Chapel Hill. The disaster killed more than eight people in the county, most of them in the Douglasville area.
Douglasville is located in north-central Douglas County at 33°44′59″N 84°43′23″W / 33.74972°N 84.72306°W (33.749824, −84.723190). Lithia Springs is 6 miles (10 km) to the northeast along U.S. Route 78, and Villa Rica is 10 miles (16 km) to the west. Hiram is 9 miles (14 km) to the north via SR 92. Interstate 20 passes south of downtown, leading east 22 miles (35 km) to downtown Atlanta and west 125 miles (201 km) to Birmingham, Alabama. I-20 provides access to the city from exits 34, 36, and 37.
According to the United States Census Bureau, Douglasville has a total area of 22.6 square miles (58.5 km), of which 22.5 square miles (58.2 km) is land and 0.1 square miles (0.3 km), or 0.58%, is water.
Douglasville has an elevation of 1,209 ft (369 m) above sea level.
As of the 2020 United States Census, there were 34,650 people, 12,675 households, and 7,833 families residing in the city.
As of the census of 2010, there were 30,961 people, 11,627 households, and 7,692 families residing in the city. The population density was 1,376 inhabitants per square mile (531/km). There were 13,163 housing units at an average density of 585.0 per square mile (225.9/km). The racial makeup of the city was 55.9% African American, 36.0% White (33.4% Non-Hispanic White), 0.2% Native American, 1.8% Asian, 0.1% Pacific Islander, 3.3% from other races, and 2.8% from two or more races. 7.2% of the population were Hispanic or Latino of any race.
There were 11,627 households, out of which 36.9% had children under the age of 18 living with them, 39.3% were married couples living together, 21.7% had a female householder with no husband present, and 33.8% were non-families. 28.3% of all households were made up of individuals, and 5.4% had someone living alone who was 65 years of age or older. The average household size was 2.58 and the average family size was 3.18.
In the city, the population was spread out, with 28.3% under the age of 18, 9.5% from 18 to 24, 33.2% from 25 to 44, 22.2% from 45 to 64, and 6.8% who were 65 years of age or older. The median age was 32.7 years. For every 100 females, there were 87.8 males. For every 100 females age 18 and over, there were 83.3 males.
The median income for a household in the city was $47,596, and the median income for a family was $54,375. Males had a median income of $45,933 versus $39,675 for females. The per capita income for the city was $26,002. 15.9% of the population and 14.1% of families were below the poverty line. Out of the total population, 22.2% of those under the age of 18 and 15.1% of those 65 and older were living below the poverty line.
As of the census of 2000, there were 20,065 people, 7,286 households, and 5,078 families residing in the city. The population density was 938.5 inhabitants per square mile (362.4/km). There were 7,903 housing units at an average density of 369.6 per square mile (142.7/km). The racial makeup of the city was 63.84% White, 30.29% African American, 0.31% Native American, 1.73% Asian, 0.01% Pacific Islander, 1.69% from other races, and 2.13% from two or more races. 3.99% of the population were Hispanic or Latino of any race.
There were 7,286 households, out of which 38.3% had children under the age of 18 living with them, 48.2% were married couples living together, 16.9% had a female householder with no husband present, and 30.3% were non-families. 22.8% of all households were made up of individuals, and 5.6% had someone living alone who was 65 years of age or older. The average household size was 2.68 and the average family size was 3.16.
In the city, the population was spread out, with 28.3% under the age of 18, 11.1% from 18 to 24, 34.4% from 25 to 44, 19.6% from 45 to 64, and 6.6% who were 65 years of age or older. The median age was 31 years. For every 100 females, there were 94.8 males. For every 100 females age 18 and over, there were 91.0 males.
The median income for a household in the city was $45,289, and the median income for a family was $52,340. Males had a median income of $37,464 versus $27,038 for females. The per capita income for the city was $22,283. 12.2% of the population and 10.1% of families were below the poverty line. Out of the total population, 17.3% of those under the age of 18 and 8.1% of those 65 and older were living below the poverty line.
The historic Downtown hosts many shops and eateries. A vibrant business area in Douglasville is located south of the city between Chapel Hill Road and Georgia State Route 5, around the Douglas Boulevard Corridor. Arbor Place Mall is located in this area, as are many major retail stores and fast food chains.
The Fairburn Road area also hosts many shops, food stores and fast food spots. Some vacated to make way for an expansion of the highway in early 2008. Expansion is aided by the Douglasville Development Authority (described below).
In recent years, the historic downtown district and surrounding areas have become favorite backdrops for the film industry. Productions include Netflix’s Stranger Things (2016), The Founder (2015), Mocking Jay Part 1 (2014), Catching Fire (2013), Finding Carter (MTV series 2014), and Kill the Messenger (2014).
According to Douglasville’s 2011 Comprehensive Annual Financial Report, the top employers in the city are:
The Douglasville CAFR table of principal employers (p. 77) does not show public employees. The Douglas County School System currently employs over 3,550 people, including teachers, administrators, and support staff.
The Central Business District of downtown Douglasville is listed on the National Register of Historic Places as a historic district; it is an outstanding example of a turn-of-the-century southern railroad town. The majority of the buildings are one- and two-story brick structures dating from the mid-19th century into the mid-20th century. Most are of Victorian-era commercial design set flush with the sidewalk. The buildings’ styles include Romanesque, Italianate, and Queen Anne. Many of the doorways and windows have Gothic arched openings and hooded windows. The dominant landscape feature is the railroad right-of-way running east-to-west through downtown.
In the center of town is a small plaza, which was converted from a street block, known as O’Neal Plaza (named after the former O’Neal’s department store, now used as the Douglasville City Hall). The plaza features a small performance venue and concrete fountain. It is home to many festivals year round. This is the site of the annual Christmas Tree Lighting Festival.
In 2015, the city elected Rochelle Robinson as its first female and first African American mayor.
The City Council is elected from single-member districts.
The Douglasville police chief is Gary Sparks. The Douglasville Police Department is located at 2083 Fairburn Road. The sheriff is Tim Pounds, and the Douglas County Sheriff’s Office is located at 8470 Earl D Lee Boulevard in Douglasville.
Education in Douglasville is varied, with a large public school system and many private schools. The Douglas County School District operates 21 elementary schools, eight middle schools, and five high schools, covering grades pre-K to 12th grade.
Douglasville hosts a campus (“instructional site”) of Georgia Highlands College. Nearby universities and colleges include Strayer College, West Georgia Technical College, and Mercer University.
Douglasville has numerous secular and religious private schools, including:
Douglasville is served by the Douglas County Sentinel, a three-day-a-week publication that covers local and state news and by All On Georgia – Douglas, a hyperlocal digital news organization that covers local, state and national news, daily. Chapel Hill News & Views also serves Douglasville as a monthly magazine with 45,000 circulation.
Douglasville is home to the single-runway Pinewood Airport, located 5.7 miles (9.2 km) northwest of downtown.
Historically, the Southern Railway ran several daily passenger trains, including the Kansas City-Florida Special, the Sunnyland and an Atlanta-Birmingham section of the Piedmont Limited, making flag or signal stops in Douglasville. The last trains made stops in 1967. Today, the nearest passenger service is Amtrak’s Crescent in Atlanta, 26.4 miles to the east.
Residents of Douglasville are served by the Wellstar Douglas Hospital located at 8954 Hospital Drive.
The primary goals of the City of Douglasville Development Authority (CDDA) are to promote the economic prosperity of the city while simultaneously increasing the existing industry and business sectors in order to raise the quality of life for the city’s residents. The City Development Authority also focuses on education in order successfully promote the labor force.
In the fall of 2009, an area of interest for the CDDA was the reconstruction and widening of Highway 92, which runs through the heart of the city. This major roadway reconstruction was expected to have a significant impact on the city and its ability to promote economic development.
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.
