Owner Operators Commercial Truck Insurance Near Me Jacksonville, North Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Jacksonville, North Carolina. 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 Jacksonville, North Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Jacksonville, North Carolina 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.
Jacksonville is a city in Onslow County, North Carolina, United States. As of the 2020 census, the population was 72,723, which makes Jacksonville the 14th-most populous city in North Carolina. Jacksonville is the county seat and most populous community of Onslow County, which is coterminous with the Jacksonville Metropolitan Area. Demographically, Jacksonville is the youngest city in the United States, with an average age of 22.8 years old, which can be attributed to the large military presence. The low age may also be in part due to the population drastically going up over the past 80 years, from 783 in the 1930 census to 72,876 in the 2021 Census estimate.
It is the home of the United States Marine Corps’ Camp Lejeune and New River Air Station. Jacksonville is located adjacent to North Carolina’s Crystal Coast area.
After the end of the Tuscarora wars in 1713 and the forced removal of Native American tribes was followed by permanent settlement of the regions between New Bern and Wilmington. The New River became a major production center for naval stores like turpentine. The downtown waterfront park is built on the site original site of Wantland’s Ferry.
In 1752, a devastating hurricane destroyed the county seat of Johnston, and Wantlands Ferry, located further up the New River, at the present site of Jacksonville, was chosen as the site of the new county courthouse. The area was later known as Onslow Courthouse. In 1842, the town was incorporated and renamed Jacksonville in honor of former U.S. President Andrew Jackson. The town was briefly captured and occupied in November 1862 by a raiding party led by U.S. Navy Lt. William B. Cushing.
Jacksonville and Onslow County continued to rely on naval stores, lumber, and tobacco crops for industry. In 1939, Colonel George W. Gillette of the U.S. Army Corps of Engineers surveyed and mapped the area from Fort Monroe, Virginia to Fort Sumter, South Carolina which included the Onslow County coastline and the New River. The map is believed to have fostered the interest of the War and Navy Departments in establishing an amphibious training base in the area. Congressman Graham Arthur Barden of New Bern lobbied Congress to appropriate funds for the purchase of about 100,000 acres (400 km) along the eastern bank of the New River. The establishment in 1941 of Marine Barracks, New River, later renamed Camp Lejeune Marine Corps Base, led to the relocation of 700 families. While the landowners were compensated, many of the families displaced were sharecroppers who did not own the land on which their houses were built, and did not receive compensation for their structures. Some African American families were able to purchase property from Raymond Kellum and established the community of Kellumtown. Other displaced families established communities in Georgetown, Pickettown, Bell Fork, and Sandy Run. The latter communities have since been absorbed by Jacksonville. Colonel Gillette had planned to retire near the small village of Marine, ironically named after a local family whose surname was Marine, but lost his land to the acquisition, as well.
Construction of Camp Lejeune caused a population explosion in the small town of about 800 inhabitants, as new workers migrated to the area. Growth continued to be fueled by both young Marine families and military retirees. Today, Jacksonville’s primary industry is retail sales and services. The primary migration draw continues to be the U.S. Marine Corps.
The Bank of Onslow and Jacksonville Masonic Temple, Mill Avenue Historic District, and Pelletier House and Wantland Spring are listed on the National Register of Historic Places.
In 2016, Jacksonville became the first jurisdiction to adopt a paid holiday honoring the 13th Amendment to the United States Constitution, which made slavery in the United States and its territories illegal. The resolution of adoption mentions “the prevention of the modern slavery” which it describes as “human trafficking”, including child labor and military service.
According to the United States Census Bureau, the city has a total area of 45.2 square miles (117 km), of which 0.7 square miles (1.8 km) (1.51%) is covered by water. It is about 60 minutes from Wilmington and 15 minutes from the Intracoastal Waterway.
Three public golf courses provide recreation for those who reside in or visit Jacksonville: Rock Creek, Swingin’ Things, and Paradise Point (located aboard MCB Camp Lejeune).
As of the 2020 United States census, 72,723 people, 21,986 households, and 15,491 families resided in the city.
As of the census of 2000, 66,715 people, 17,175 households, and 13,533 families resided in the city. The population density was 1,500.0 inhabitants per square mile (579.2/km). The 18,312 housing units averaged 411.7 per square mile (159.0/km). The racial composition of the city was 63.94% White, 23.96% African American, 2.07% Asian, 0.75% Native American, 0.19% Pacific Islander, 5.42% some other race, and 3.67% two or more races.
Of the 17,175 households, 49.5% had children under the age of 18 living with them, 63.8% were married couples living together, 12.3% had a female householder with no husband present, and 21.2% were not families. About 16.6% of all households were made up of individuals, and 5.1% had someone living alone who was 65 years of age or older. The average household size was 2.83 and the average family size was 3.8
In the city, the population was distributed as 24.3% under 18, 36.3% from 18 to 24, 25.9% from 25 to 44, 8.8% from 45 to 64, and 4.8% who were 65 or older. The median age was 22 years. Jacksonville has been named the youngest city in the nation (lowest median age) on various lists. For every 100 females, there were 156.2 males. For every 100 females 18 and over, there were 178.6 males.
The median income for a household in the city was $32,544, and for a family was $33,763. Males had a median income of $17,121 versus $19,931 for females. The per capita income for the city was $14,237. About 12.5% of families and 14.1% of the population were below the poverty line, including 18.0% of those under age 18 and 17.7% of those age 65 or over.
According to the city’s 2012 Comprehensive Annual Financial Report, the top employers in the city are:
The current mayor of Jacksonville is Sammy Phillips.
The current postmaster of Jacksonville is Jamie Thompson.
Onslow County Schools serves the city, except for Marine Corps Air Station New River, which, along with Camp Lejeune, is served by Department of Defense Education Activity (DoDEA) schools.
Alternative school
Elementary schools
Middle schools
High schools
MCAS New River is zoned to Delalio Elementary School in MCAS New River and Brewster Middle School and Lejeune High School in Camp Lejeune.
In 2009, the Jacksonville metropolitan statistical area ranked as the ninth-highest in the United States for ratio of commuters who walked to work (8.1%).
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.
