Owner Operators Commercial Truck Insurance Near Me Duluth, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Duluth, 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 Duluth, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Duluth, 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.
Duluth is a city in Gwinnett County, Georgia, United States. Located north of Interstate 85, it is approximately 22 miles (35 km) northeast of Atlanta.
As of the 2020 census, Duluth had a population of 31,873, and the United States Census Bureau estimated the population to be 31,864 as of 2021.
This Atlanta suburb is home to Gwinnett Place Mall, the Gwinnett Civic and Cultural Center, Gas South Arena, Hudgens Center for the Arts, and the Red Clay Theater. It is also home to Northside Hospital–Duluth, an 81-bed hospital constructed in 2006, as well as GMC’s Glancy Campus, a 30-bed facility located near downtown. The agricultural manufacturer AGCO is based in Duluth.
Duluth was originally Cherokee territory. When Duluth was established in the early 19th century, it was primarily forested land occupied by tribespeople. An Indian trail, called Old Peachtree Road by the settlers, was extended through the area during the War of 1812 to connect Fort Peachtree in present-day Atlanta with Fort Daniel near present-day Dacula. When Gwinnett County was established in 1818, white settlement of the area accelerated.
Cotton merchant Evan Howell constructed a road connecting his cotton gin at the Chattahoochee River with Old Peachtree Road, creating Howell’s Cross Roads. The settlement later became known as “Howell’s Crossing”. Howell was the grandfather of Atlanta Mayor Evan P. Howell and great-grandfather of Atlanta Constitution publisher Clark Howell.
Howell’s Crossing was renamed “Duluth” in 1871 after Congress funded a north–south railroad line into the community. It was named after the city of Duluth, Minnesota. The Midwestern city had gotten its own railroad connection not long before, which had prompted Rep. J. Proctor Knott, a Kentucky Democrat, to make a speech in Congress mocking the project as wasteful. That speech drew national attention. According to contemporary reports, Evan P. Howell himself jokingly suggested the name change in a speech about the arrival of railroad service in the Georgia town. (Duluth, Minnesota, is named for Daniel Greysolon, Sieur du Lhut (1636–1710), a French captain and explorer of the upper Midwest, who negotiated peace between the Chippewa and the Sioux nation.)
The railroad encouraged the growth of Duluth’s economy. A schoolhouse was built in 1871 on the site of what is now Coleman Middle School (formerly Duluth Middle School and Duluth Elementary School). The first Methodist church was organized in 1871, and the first Baptist congregation formed in 1886. Both churches continue today at new locations along State Route 120. The Bank of Duluth was charted in 1904, followed by the Farmers and Merchants Bank in 1911. Neither survived the Great Depression.
In 1922, Duluth elected Georgia’s first female mayor, Alice Harrell Strickland. She donated 1-acre (4,000 m) of land for a “community forest” and began efforts to conserve land for public recreation.
Duluth grew rapidly in the 1970s and 1980s, along with the rest of Gwinnett County. Georgia Governor George Busbee became a resident of Duluth in 1983 after leaving office, moving to the Sweet Bottom Plantation subdivision developed by Scott Hudgens. A major revitalization of the Duluth downtown area was undertaken in the early 21st century. Development along Sugarloaf Parkway has continued with the construction of the Gwinnett Arena near the Gwinnett Convention Center.
In much of the 20th century, when Gwinnett County was still rural, Duluth was known in the area as being one of the few small towns with its own hospital, Joan Glancy Memorial Hospital. Consequently, many older residents of the area who call other towns home were actually born in Duluth. Joan Glancy was replaced with Gwinnett Medical Center – Duluth in 2006. The site of the old Joan Glancy hospital is now GMC’s Glancy Campus, home to the Glancy Rehabilitation Center, the Duluth location of GMC’s Diabetes & Nutrition Education Center and the Duluth location of GMC’s Center for Sleep Disorder.
The city made national headlines twice in 2005. In March, Fulton County Courthouse shooting suspect Brian Nichols was captured in a Duluth apartment after holding a woman hostage. In April, local resident Jennifer Wilbanks was reported missing a few days before her planned wedding to John Mason. She was found a few days later in Albuquerque, New Mexico, where she admitted to having lied about being kidnapped.
Duluth is located in the northeastern section of the Atlanta metropolitan area. Approximately 25 mi (40 km) from Downtown Atlanta, the city lies in the west-central section of Gwinnett County, bounded to the north by the Chattahoochee River (which also acts as the county line), northeast by Suwanee, south by unincorporated land, and west by Berkeley Lake.
Unincorporated portions of Forsyth County use a Duluth ZIP code despite being outside Duluth city limits in a different county. A significant part of the nearby city of Johns Creek in Fulton County shares at least one ZIP code with Duluth.
Duluth has a humid subtropical climate (Cfa.) The monthly averages range from 41.0 °F in January to 78.3° in July. The local hardiness zone is 7b.
As of the 2020 United States census, there were 31,873 people, 11,202 households, and 7,634 families residing in the city.
As of the census of 2010, there were 26,600 people, 10,555 households, and 6,872 families residing in the city. The population density was 2,620 inhabitants per square mile (1,010/km). There were 11,313 housing units at an average density of 1,114 per square mile (430/km). The racial makeup of the city was 48.7% White, 20.2% African American, 0.4% Native American, 22.3% Asian, 0.1% Pacific Islander, 5.2% from other races, and 3.1% from two or more races. Hispanic or Latino of any race were 14.0% of the population.
There were 10,555 households, out of which 33.9% had children under the age of 18 living with them, 46.6% were married couples living together, 14.1% had a female householder with no husband present, and 34.9% were non-families. 28.4% of all households were made up of individuals, and 5.0% had someone living alone who was 65 years of age or older. The average household size was 2.52 and the average family size was 3.10.
In age 18 and over, for every 100 females, there were 87.9 males.
The average income for a household in the city was $60,088, and the median income for a family was $69,437. Males had a median income of $46,683 versus $34,334 for females. The per capita income for the city was $29,185. About 3.0% of families and 4.4% of the population were below the poverty line, including 4.8% of those under age 18 and 3.2% of those age 65 or over.
The city hosts an annual Fall Festival on the last weekend of every September, which is held in the town center. The Southeastern Railway Museum is located in Duluth, and is Georgia’s official transportation museum.
Duluth’s downtown area is home to a variety of attractions that add to its vibrant atmosphere. The Red Clay Theater stands out as a premier performing arts venue with exceptional acoustics, hosting a range of live performances. Falling Rabbit tantalizes taste buds with its innovative dishes and carefully crafted flavors, while Pure Taqueria satisfies culinary cravings with its authentic Mexican cuisine. Families can enjoy the playful fountain, providing a refreshing spot for kids to have fun. Additionally, coffee enthusiasts can savor the renowned blends of Break Coffee Roasters. These attractions collectively contribute to the charm and allure of downtown Duluth, offering a mix of arts, dining, and family-friendly experiences.
The Atlanta Gladiators, formerly the Gwinnett Gladiators, of the ECHL, a professional minor league ice hockey team, plays in the Gas South Arena, which opened in 2003 in an unincorporated area of Gwinnett County with a Duluth zip code. The Sugarloaf Country Club golf course hosted the AT&T Classic, a PGA Tour golf tournament from 1997 to 2008. The club currently hosts the Greater Gwinnett Championship, a Champions Tour golf tournament that initiated in 2013.
Duluth is also home of the Georgia Swarm of the National Lacrosse League since 2016 and shares the Gas South Arena with the Gladiators.
Unincorporated Gwinnett County is home to the Berkeley Hills Country Club, Gwinnett Chamber of Commerce, Partnership Gwinnett and the 1818 Club, a private dining club.
Citizens have a wide variety of recreational activities to choose from. The city maintains 7 parks as well as the Festival Center. Some of the sports offered are Tennis, Soccer, Ballet, Zumba. Swimming is available only 3.9 miles from city hall at West Gwinnett Aquatic Center.
The city parks include:
The City of Duluth is governed by a mayor and five city council members, who together appoint the city administrator and city clerk. Elections are held every two years, in the odd-numbered years, and the mayor and council members are elected for staggered four-year terms.
The mayor of Duluth is Nancy Harris, the former principal of B.B. Harris Elementary School and Suwanee Elementary School. Harris Elementary is named for her father, B.B. Harris, also a former principal and Gwinnett County School Superintendent.
The city is represented in the Georgia General Assembly by Senator Zahra Karinshak, Representative Bonnie Rich and Representative Pedro “Pete “Marin who together form the city’s legislative delegation.
Gwinnett County Public Schools operates public schools serving residents of the city.
Gwinnett County Public Library operates the Duluth Branch in Duluth.
Duluth holds the title of being a railroad city. Trains carrying both passengers and cargo can be seen at all times of the day. In addition, Duluth is a heavily car-dependent suburb. A number of collector roads distribute traffic around both incorporated and unincorporated areas of the city, some of the most important being Buford Highway (), Duluth Highway (), Sugarloaf Parkway, and Pleasant Hill Road. Apart from Buford Highway, these roads bring traffic to Interstate 85, connecting the Duluth area to central Atlanta about 25 mi (40 km) away.
Gwinnett County Transit serves the city.
Through the 1960s, the Southern Railway ran passenger trains with a stop in Duluth. The local #36 Atlanta – Washington made a flagstop on the northbound trip. The local #35 Salisbury – Atlanta and the Peach Queen (Washington – Atlanta) made stops on their southbound trip.
The Western Gwinnett Bikeway, is a multi-use trail under construction along the Peachtree Industrial Boulevard. It is a shared use path, cycle track, and bike lane used to connect Duluth to neighboring Berkeley Lake, Norcross and Suwanee.
In January 2018 significant plans were approved for the engineering phase to upgrade State Bridge Road and Pleasant Hill Road. There is community-wide support from the community in both neighboring Johns Creek and Duluth for the pedestrian river bridge for the project. It will serve to improve bike-pedestrian safety, boost local economies by improving access to businesses, enhance connections with surrounding neighborhoods and improve traffic flow in the area. In addition, the upgrade will serve to ease the inspection and maintenance of the bridge in the future.
In March 2018, the Gwinnett County Commissioners approved the agreement with the Johns Creek City Council. Both sides have agreed to remove the sidewalks from the existing bridges in order to widen the roads. To improve safety for pedestrians, a new pedestrian bridge will be constructed on one side of the river. A pedestrian underpass linking both sides of the wider road is being considered to further improve access and provide for a safer crossing of the road.
The Rogers bridge project is another significant plan that is to connect to Johns Creek via reconstructing a bike/pedestrian bridge across the Chattahoochee River. The engineers will determine whether to replace or rehabilitate the existing Rogers Bridge over the Chattahoochee River, will take into account the environmental impacts of each option, and will restore the working bike/pedestrian connection between Duluth and Johns Creek. This will allow access to the planned 133-acre parkland under development in Johns Creek and will allow Fulton County residents access to Rogers Bridge Park, the Chattapoochee Dog Park, and the Western Gwinnett Bikeway currently under development by Gwinnett County.
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.