Owner Operators Commercial Truck Insurance Near Me Florence, Alabama
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Florence, 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 Florence, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Florence, 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.
Florence is a city in, and the county seat of, Lauderdale County, Alabama, United States, in the state’s northwestern corner. It is situated along the Tennessee River and is home to the University of North Alabama.
Florence is the largest and principal city of the Quad Cities commonly known as “The Shoals” (which also includes the cities of Muscle Shoals, Sheffield, and Tuscumbia in Colbert County). Florence is considered northwestern Alabama’s primary economic hub. Florence is the most populous city of 30 places in the United States with the name Florence, which was slightly larger than Florence, South Carolina.
Annual tourism events include the W. C. Handy Music Festival in the summer and the Renaissance Faire in the fall. Landmarks in Florence include the 20th-century Rosenbaum House, the only Frank Lloyd Wright-designed home located in Alabama. The Florence Indian Mound, constructed by indigenous people between 100 BCE and 400 BCE in the Woodland period, is the largest surviving earthen mound in the state and is 43 feet high. It is listed on the National Register of Historic Places. It has been protected by the city since 1945. In 2017 a new, expanded museum was built to replace one built in 1968 that displays artifacts and interprets the ancient and historic cultures of all the indigenous peoples in the area.
The type of municipal government is a mayor-council system.
According to the U.S. Census Bureau, Florence has a total area of 25.0 square miles (65 km), of which 24.9 square miles (64 km) is land, and 0.1 square miles (0.26 km) (0.40%) is water.
Florence is located on Wilson Lake and Pickwick Lake, bodies of water on the Tennessee River dammed by Pickwick Dam and Wilson Dams. Pickwick Lake was created by the Tennessee Valley Authority (TVA), an agency established under President Franklin Delano Roosevelt’s New Deal. It was a public works program intended to build dams and hydroelectric power and related infrastructure to generate electricity for the rural region to stimulate economic development, provide flood control, and recreational opportunities. Wilson Dam (now operated by the TVA) was authorized by President Woodrow Wilson in 1918 and was the first dam constructed on the Tennessee River.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Florence has a humid subtropical climate, abbreviated “Cfa” on climate maps.
The average temperature of Florence is 59 °F (15 °C). The average yearly precipitation in Florence is 57.06 in (144.9 cm). On average, Florence gets 2.25 in (5.7 cm) of snow per year, which is above the average for Alabama of 0.57 in (1.4 cm).
While Florence is almost 300 mi (480 km) from the Gulf of Mexico, strong hurricanes have brought severe weather to the area. For example, in 2005, the path of Hurricane Katrina came very close to the city, causing nearly 70 mph (110 km/h) winds and some storm damage.
Evidence for human habitation in the Florence area goes back to at least 500 BCE, when the Florence Indian Mound, the largest of its type in the Tennessee Valley, was constructed as an earthwork during the Woodland period. Successive cultures arose after this. In the historic period, the area of present-day Florence was occupied by the Chickasaw Nation. They first encountered white traders and settlers beginning in the late 1700s, and were forced to cede their land to the Federal government through a series of treaties in early 1800s, as part of the Indian Removal policy to extinguish tribal land claims east of the Mississippi River. The Chickasaw were removed to west of the river in Indian Territory (now Oklahoma).
General John Coffee, John McKinley, a future U.S. Supreme Court Justice, and five other trustees established the Cypress Land Company to found a town on a hill overlooking the Tennessee River. The company bought the land, believing that Florence’s location along Jackson’s Military Road and at the end of the treacherous Muscle Shoals rapids on the Tennessee River would enable it to develop as a major commercial center. In 1819, Coffee commissioned Ferdinand Sannoner, a young Italian engineer, to survey and plan the town. As a reward for his work, Sannoner was allowed to choose the name of the new settlement; he named it after Florence, the capital of the Tuscany region of Italy.
The first river steamboat visited the town in 1821. Speculators and settlers, including General Andrew Jackson and President James Monroe, bought up plots of land as they were sold by the Cypress Land Co. Florence quickly became a commercial hub on the Tennessee River, but it did not reach the level its founders had hoped. Florence did grow quickly enough to be incorporated by the State Legislature in 1826.
As a sign of progress and ambition, townspeople established the Florence Female Academy here in 1847, for paying female students. By the 1850s, the school was converted into the Florence Synodical Female College, affiliated with the Presbyterian Church. It closed in 1893. A historical marker commemorates the site.
As of the 2020 United States Census, there were 40,184 people, 17,475 households, and 9,718 families residing in the city.
According to the 2010 census:
As of the census of 2000, there were 36,264 people, 15,820 households, and 9,555 families residing in the city. The population density was 1,454.6 inhabitants per square mile (561.6/km). There were 17,707 housing units at an average density of 710.2 per square mile (274.2/km). The racial makeup of the city was 78.39% White, 19.20% Black or African American, 0.24% Native American, 0.62% Asian, 0.03% Pacific Islander, 0.54% from other races, and 0.97% from two or more races. 1.34% of the population were Hispanic or Latino of any race.
There were 15,820 households, out of which 25.9% had children under the age of 18 living with them: 43.6% were married couples living together, 14.0% had a female householder with no husband present, and 39.6% were non-families. Nearly 33.8% of all households were made up of individuals, and 13.3% had someone living alone who was 65 years of age or older. The average household size was 2.20, and the average family size was 2.82.
In the city, the population was spread out, with 21.4% under the age of 18, 13.7% from 18 to 24, 25.7% from 25 to 44, 21.7% from 45 to 64, and 17.5% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 84.0 males. For every 100 females age 18 and over, there were 79.7 males.
The median income for a household in the city was $28,330, and the median income for a family was $40,577. Males had a median income of $34,398 versus $21,385 for females. The per capita income for the city was $19,464. About 14.4% of families and 20.4% of the population were below the poverty line, including 25.9% of those under age 18 and 13.3% of those age 65 or over.
Situated in Florence, and founded in 1830 as LaGrange College, and later operating as a normal school, the University of North Alabama, a public, co-educational, higher education institution, is Alabama’s oldest state-certified university. The university is the largest in North Alabama, with an enrollment topping 7,000 for the first time in 2007. International students now compose roughly 10% of the student population.
The university is situated on 130 acres (53 ha) and surrounded by historic neighborhoods. It is located just north of the downtown business district. Kilby Laboratory School, grades K – 6, is affiliated with the university and is the only laboratory school in the state.
Florence City Schools is the organization of the K–12 public school system. Florence High School (grades 10–12) is the main high school, with an enrollment of approximately 1,000 students. It was created by a merger between the previous two city high schools, Bradshaw High School and Coffee High School. Florence High is located at the former Bradshaw site in the eastern part of the city. The merger also led to the creation of Florence Middle School (grades 7–8) and the Florence Freshman Center (grade 9). The middle school is located at the former Coffee High campus, east of downtown, and the Florence Freshman Center is located at the Florence High School campus.
There are five private schools in Florence: Riverhill School for K-6, St. Joseph Regional Catholic School for grades K–8, and Mars Hill Bible School, Shoals Christian School, and Florence Christian Academy. Each of the latter are multi-denominational, K–12 schools.
The city has a mayor-council form of government. Each of the council members is elected from one of six single-member districts. The mayor is elected at-large.
Mayor
Andrew Betterton was elected as the mayor of Florence on October 6, 2020. He defeated incumbent Mayor Steve Holt by 11 votes.
City Council
The City of Florence is home to several museums, historical sites and numerous parks that serve the cultural and recreational needs of citizens and tourists. A variety of festivals are held throughout the year.
The festivals are listed chronologically.
Florence is the merger point for two major U.S. Highways, as well as several Alabama Highways. Both U.S. Highway 43 and U.S. Highway 72 merge just east of the city limits in Killen, and are co-signed their entire length through the city. Highway 43, running north and south, helps connect the city to Lawrenceburg and Columbia to the north in Tennessee, as well as Tuscaloosa and Mobile to the south. Highway 72 helps connect the city to Huntsville and Chattanooga, Tennessee to the east and Memphis, Tennessee to the west. Interstate 65 is accessible about forty-five minutes east on Highway 72. Both of these roads cross the Tennessee River on O’Neal Bridge, connecting Florence to Sheffield.
Alabama state highways that serve the city include State Route 13, State Route 17, State Route 20, State Route 133, and State Route 157. Alabama 133 connected Florence and Muscle Shoals via Wilson Dam until 2002, when the new six-lane “Patton Island Bridge” finished construction. The bridge is part of a new corridor that will eventually see the widening of Wilson Dam Road in Muscle Shoals to Alabama 20, and the construction of a new road from the bridge to Florence Blvd. in Florence. State Route 157, a road to Florence and the Shoals area, serves as a four-lane link to Interstate 65 in Cullman. the project was completed in the summer of 2007. The road is known as the “University of North Alabama Highway”.
Florence and the Shoals area does not have a direct link to an Interstate highway. One solution discussed has been the Memphis to Atlanta Highway, proposed to connect the two cities via a freeway through north Alabama. However, in recent years Mississippi has concentrated its funding on U.S. 78 (Interstate 22), also known as “Corridor X”. Though U.S. 72 through Mississippi is four lanes, there are no plans to upgrade it to freeway status. The state of Georgia has also not committed to the necessary work to connect the freeway from the Alabama state line to Atlanta. The highway remains in the planning stages with the Alabama Department of Transportation.
Another plan recently discussed is extending Interstate 565 west from its current terminus just outside Decatur, along Alabama 20/Alternate U.S. 72. The plan has received support from Decatur officials.
Florence is served by the Northwest Alabama Regional Airport in Muscle Shoals. The airport is used for commercial and general aviation, It is served commercially by Contour Airlines which provides several daily flights to Charlotte Douglas International Airport, an American Airlines hub, giving the city access to hundreds of domestic and international destinations. Huntsville International Airport, another option for Florence residents, offers service to eleven domestic destinations, and is an hour’s drive from Florence.
Local industry is served by the Tennessee Southern Railroad (TSRR), which runs from Florence to Columbia, Tennessee, and the Port of Florence on Pickwick Lake.
Numerous radio, television and low-power FM radio stations and translators serve Florence and the greater area, all of which are in the greater Florence MSA. Among them are:
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.