Owner Operators Commercial Truck Insurance Near Me LaGrange, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me LaGrange, 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 LaGrange, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in LaGrange, 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.
LaGrange is a city in and the county seat of Troup County, Georgia, United States. The population of the city was estimated to be 30,858 in 2020 by the U.S. Census Bureau. It is the principal city of the LaGrange, Georgia Micropolitan Statistical Area, which is included in the Atlanta-Sandy Springs-Gainesville, Georgia-Alabama (part) Combined Statistical Area. It is about 60 miles (97 km) southwest of Atlanta and located in the foothills of the Georgia Piedmont.
LaGrange is home to LaGrange College, the oldest private college in the state. Started as a girls’ academy, it has been affiliated since the late 19th century with the Methodist Church, and what is now the North Georgia Conference of the United Methodist Church. The city’s proximity to West Point Lake, a few miles to the west, helps attract bass fishermen and water sports enthusiasts to the city.
It is the hometown of rapper and songwriter Bubba Sparxxx, best known for his hip hop and country rap.
The Troup County Courthouse, Annex, and Jail, built in 1939, is one of LaGrange’s properties that is listed on the National Register of Historic Places.
LaGrange is named after the country estate near Paris of the wife of the Marquis de La Fayette. When La Fayette, a Revolutionary War hero, visited Georgia in 1825 on a national tour, he remarked on the similarity of local topography to his wife’s property.
The European-American settlement of LaGrange began in the early 19th century, soon after the territory was ceded to the United States by the Creek Indians and the territorial legislature established Troup County. The city was incorporated in December 1828. The area was developed for cotton plantations, and planters migrating from the eastern areas of the South brought along or bought enslaved African Americans in the domestic slave trade to use as laborers.
By 1860 Troup County had become the fourth-wealthiest county in Georgia, based on cotton as a commodity crop. It was the fifth-largest slaveholding county in the state. As the county seat, LaGrange was a center of trade for this prosperous area, and wealthy planters built more than 100 significant homes in the city.
During the American Civil War, LaGrange was defended by a volunteer women’s auxiliary group known as the Nancy Harts or Nancy Hart Rifles, named after Nancy Hart. After defeating the Confederates in nearby West Point, Georgia, Colonel Oscar H. La Grange led his Union troops to the county seat of LaGrange. He placed Confederate prisoners near the front of the column. The Nancy Harts negotiated a surrender with the colonel.
Although local assets were burned and looted by Union troops, Colonel La Grange spared the private homes of LaGrange, including Bellevue, the home of former US Senator and then Confederate senator Benjamin Harvey Hill, a slave owner. La Grange may have been returning positive treatment which he had earlier received while in captivity. He had been given medical care by Confederates and was attended by a niece of Senator Hill. After recovery, Col. La Grange was exchanged for a Confederate prisoner, and he returned to battle duty.
To show their gratitude for his sparing their homes, one of the Nancy Harts hosted a dinner for Col. La Grange. He paroled some local prisoners so they could attend. Many women of the town cooked all night to provide the meal. The next morning the Federal troops marched out, taking various men of the town as prisoners of war. They were soon released, when it was learned that General Robert E. Lee had surrendered at Appomattox.
In the late 19th century, LaGrange developed as a railroad center and as an industrial center. Textile mills were developed here and elsewhere in the upland region. Initially they employed only white workers. They increased in regional, state and national economic importance into the mid-20th century. Gradually in the late 20th century, much textile manufacturing moved “offshore,” out of the United States.
The city has transitioned to a mixed economy with some new industries. Interstates 85 and 185 pass through LaGrange, which is a transportation hub in the area. The city has industrial and commercial access, and a Wal-Mart Distribution Center was developed here.
Interface, the world’s leading manufacturer of carpet tile, was founded in LaGrange in 1973. It has its largest manufacturing center here. LaGrange is also the North American headquarters for Caterpillar’s forestry division. Just south of LaGrange in neighboring West Point, also in Troup County, KIA Motors has its only US assembly plant. Many of Kia’s suppliers are located in LaGrange.
The city of LaGrange is a full-service utility provider for the region, including electricity, natural gas, water, sewer, refuse collection, and telecommunication. In 2000 the city was named “Intelligent Community of the Year” by the Intelligent Community Forum, joining other cities such as New York, Singapore, Seoul, Glasgow and Toronto. Since 2000 the city has provided free Internet service to every household. It also has been ranked as a Georgia City of Excellence, and received a Government Technology Leadership Award.
LaGrange was in the news in late January 2017 for the public apology of its police chief and mayor for the city’s failure in 1940 to protect Austin Callaway, a 16-year-old African-American resident, from being lynched. The police did not report nor investigate his murder very thoroughly.
On November 8, 2021, it was announced that Upstate New York-based firearms manufacturer, Remington Arms, would be moving their global headquarters from Ilion, New York to La Grange, and would be hiring 865 people over the span of five years. Construction is expected to cost $100 million.
The southern half of the city was heavily damaged by an EF2 tornado on January 12, 2023. The tornado injured four people along its path as well.
LaGrange is at 33.0367° N, 85.0319° W. The city is in west central Georgia along Interstates 85 and 185, which run east of the city, with Interstate 85 leading northeast 68 mi (109 km) to Atlanta and southwest 96 mi (154 km) to Montgomery, Alabama. Interstate 85 gives direct access to the city from exits 13, 14 and 18. Interstate 185 runs south from the city 43 mi (69 km) to Columbus. U.S. Route 27, U.S. Route 29, Georgia State Route 219, and Georgia State Route 109 all meet in the interior of the city. According to the U.S. Census Bureau, the city has an area of 112.8 mi (181.5 km), of which 111.4 mi (179.3 km) is land and 1.4 mi (2.3 km) is water.
LaGrange is governed by a mayor and six-person city council. The mayor is elected citywide (at-large). Three council members are elected to one post each from each of two council districts, designated as 1a, 1b, and 1c from the first district, with similar naming for posts in the second district. Candidates must declare for a post in one of the districts at the time of their filing, and must win a majority to be elected. This system was established for the first municipal election in 2011. (This was in compliance with a consent decree and court order settling litigation since 1982 under Section 5 of the Voting Rights Act of 1965.)
Previously a smaller number of city council members were elected at-large; as each candidate had to command a majority of electors, the minority seldom could elect a candidate of their choice. The Department of Justice recorded objections to the city of LaGrange changes to election methods in October 1993 and December 1994. The 1993 objection related to the use of two at-large seats in a mixed city council plan with four single-member districts; the 1994 objection related to the use of one at-large seat in a mixed city council plan with two “super-districts” and four single-member districts.
From 1997, more city council seats were established in LaGrange. Municipal elections are held in odd-numbered years.
Dr. Willie T Edmondson was elected Mayor on March 21, 2023. He is the first African-American elected to this position for the city of LaGrange. The mayor and all council members are elected for four-year terms on a nonpartisan basis. The city council hires a full-time city manager, who oversees daily operations of city departments.
In January 2017, Police Chief Louis M. Dekmar apologized publicly for his department’s failure in 1940 to protect a 16-year-old black youth, who was lynched. Few law enforcement officials have ever apologized for such events. Mayor Jim Thornton also apologized and stressed the city’s commitment to improving conditions.
Descendants of the Callaway family, wealthy planters in the antebellum years, established a philanthropic foundation. They have invested in the city, and contributed to developing important cultural elements of the city. As a result, LaGrange has amenities not usually found in a city of its size. These include “two art galleries, a symphony orchestra, a ballet company, an opera company, an airport, a television station, an archives, two colleges (LaGrange College and West Georgia Technical College), and thirteen recreational centers with facilities for every sport.”
As of the 2020 United States census, there were 30,858 people, 11,246 households, and 6,862 families residing in the city.
As of the 2019 U.S. Census estimate, there were 30,305 people in 11,233 households residing in the city. The population density was 1033 per square mile. The racial makeup of the city was 48.0% Black, 44.5% White, 4.7% Hispanic/Latino, 2.5% Asian only, 1.8% mixed race, and 0.3% other. The median household income was $30,653.
The Troup County School System holds pre-school to grade 12, and consists of 15 elementary schools, three middle schools (Callaway Middle School, Gardner Newman Middle School, and Long Cane Middle School), and three high schools (Callaway High School, LaGrange High School, and Troup County Comprehensive High School. The county is divided into three school zones. The county school system serves Hogansville, LaGrange and West Point. It is home to over 20 new and recently renovated schools.
LaGrange-Callaway Airport is southwest of the city.
LaGrange has three sister cities, as designated by Sister Cities International, Inc. (SCI):
The city is in the process of developing a sister city relationship in South Korea.
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.