Owner Operators Commercial Truck Insurance Near Me Tupelo, Mississippi
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Tupelo, Mississippi. 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 Tupelo, Mississippi with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Tupelo, Mississippi 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.
Tupelo ( TOO-pə-low) is a city in and the county seat of Lee County, Mississippi, United States. With an estimated population of 38,300, Tupelo is the sixth-largest city in Mississippi and is considered a commercial, industrial, and cultural hub of North Mississippi.
Tupelo was incorporated in 1866. The area had earlier been settled as “Gum Pond” along the Mobile and Ohio Railroad. On February 7, 1934, Tupelo became the first city to receive power from the Tennessee Valley Authority, thus giving it the nickname “The First TVA City”. Much of the city was devastated by a major tornado in 1936 that still ranks as one of the deadliest tornadoes in American history. Following electrification, Tupelo boomed as a regional manufacturing and distribution center and was once considered a hub of the American furniture manufacturing industry. Although many of Tupelo’s manufacturing industries have declined since the 1990s, the city has continued to grow due to strong healthcare, retail, and financial service industries. Tupelo is the smallest city in the United States that is the headquarters of more than one bank with over $10 billion in assets.
Tupelo has a deep connection to Mississippi’s music history, being known as the birthplace of Elvis Presley and Diplo as well as the origin of the group Rae Sremmurd. The city is home to multiple art and cultural institutions, including the Elvis Presley Birthplace and the 10,000-seat Cadence Bank Arena, the largest multipurpose indoor arena in Mississippi. Tupelo is the only city in the Southern United States to be named an All-America City five times, most recently in 2015. Its Main Street program, Downtown Tupelo Main Street Association, was the winner of the national Main Street’s Great American Main Street Award in 2020.
The Tupelo micropolitian area contains Lee, Itawamba, and Pontotoc counties and had a population of 140,081 in 2017.
Indigenous peoples, including the Chickasaw and Choctaw, occupied the area prior to European settlement. The French and British traded with these indigenous peoples and tried to form alliances with them. The French established towns in Mississippi mostly on the Gulf Coast. At times, the European powers came into armed conflict. On May 26, 1736, the Battle of Ackia was fought near the site of present-day Tupelo; British and Chickasaw soldiers repelled a French and Choctaw attack on the then-Chickasaw village of Ackia. The French, under Louisiana governor Jean Baptiste Le Moyne, Sieur de Bienville, had sought to link Louisiana with Acadia and the other northern colonies of New France.
In the early 19th century, after years of trading and encroachment by European-American settlers from the United States, conflicts increased as the US settlers tried to gain land from these nations. In 1830, Congress passed the Indian Removal Act and authorized the relocation of all the Southeast Native Americans west of the Mississippi River, which was completed by the end of the 1830s.
In the early years of settlement, European-Americans named this town “Gum Pond”, supposedly due to its numerous tupelo trees, known locally as “blackgum”. The city still hosts the annual Gumtree Arts Festival.
During the Civil War, Union and Confederate forces fought in the area in 1864 in the Battle of Tupelo or battle of oldtown Creek. Designated the Tupelo National Battlefield, the battlefield is administered by the National Park Service (NPS). In addition, the Brices Cross Roads National Battlefield, about ten miles north, commemorates another American Civil War battle.
After the war, a cross-state railroad for northern Mississippi was constructed through the town, which encouraged industry and growth. With expansion, the town changed its name to Tupelo, in honor of the battle. It was incorporated in 1870.
By the early twentieth century the town had become a site of cotton textile mills, which provided new jobs for residents of the rural area. Under the state’s segregation practices, the mills employed only white adults and children. Reformers documented the child workers and attempted to protect them through labor laws.
The last known bank robbery by Machine Gun Kelly, a Prohibition-era gangster, took place on November 30, 1932, at the Citizen’s State Bank in Tupelo; his gang netted $38,000 ($815,000 in current dollar terms). After the robbery, the bank’s chief teller said of Kelly, “He was the kind of guy that, if you looked at him, you would never thought he was a bank robber.”
During the Great Depression, Tupelo was electrified by the new Tennessee Valley Authority, which had constructed dams and power plants throughout the region to generate hydroelectric power for the large, rural area. The distribution infrastructure was built with federal assistance as well, employing many local workers. In 1935, President Franklin Roosevelt visited this “First TVA City”.
Tupelo had only 20 Jewish residents at the beginning of the Great Depression, out of 20,000 total residents. Temple B’nai Israel was established in Tupelo in 1939. The congregation first met in Tupelo City Hall. It later rented space on South Spring Street above the Fooks’ Chevrolet dealership. In 1953, it moved to space over Biggs Furniture Store. A synagogue building was dedicated in 1957, with then-Mayor James Ballard giving the remarks.
Into the late 1950s several long-distance trains served Tupelo. These included the Gulf, Mobile & Ohio’s Gulf Coast Rebel (St. Louis – Mobile) and the Frisco Railroad’s Kansas City-Florida Special (Kansas City – Memphis – Jacksonville), Memphian (Memphis – Birmingham) and its Sunnyland (Kansas City to the west; sections east to Birmingham and Pensacola). The Frisco’s Southland ceased running in December 9, 1967, marking the last passenger train in northeast Mississippi.
In 2007, the nearby village of Blue Springs was selected as the site for Toyota’s 11th automobile manufacturing plant in the United States.
In 2013 Gale Stauffer of the Tupelo Police Department died in a set up ambush following a bank robbery, possibly the first officer killed in the line of duty in the department’s history.
President Donald Trump visited the city of Tupelo twice, in 2018 and 2019. He held a campaign rally for Senator Cindy Hyde-Smith on November 26, 2018, at the Tupelo Regional Airport. Nearly one year later, the president returned to Tupelo to hold another rally (this time for Governor Tate Reeves) on November 1, 2019, at the BancorpSouth Arena. These campaign rallies were broadcast on national television and received attention from news networks, such as CNN and Fox News.
The spring of 1936 brought Tupelo one of its worst-ever natural disasters, part of the Tupelo-Gainesville tornado outbreak of April 5–6 in that year. The storm leveled 48 city blocks and over 200 homes, killing 216 people and injuring more than 700 persons. It struck at night, destroying large residential areas on the city’s north side. Among the survivors was Elvis Presley, then a baby. Obliterating the Gum Pond neighborhood, the tornado dropped most of the victims’ bodies in the pond. The storm has since been rated F5 on the Fujita scale. The Tupelo Tornado is recognized as one of the deadliest in U.S. history.
The Mississippi State Geologist estimated a final death toll of 233 persons, but 100 whites were still reported as hospitalized at the time. Because the white newspapers did not publish news about blacks until the 1940s and 1950s, historians have had difficulty learning the fates of blacks injured in the tornado. Based on this, historians now estimate the death toll was higher than in official records. Fire broke out at the segregated Lee County Training School, which was destroyed. Its bricks were salvaged for other uses.
The area is subject to tornadoes. On May 8, 2008, one rated an EF3 on the Enhanced Fujita Scale struck the town. On April 28, 2014, another large EF3 tornado struck Tupelo and the surrounding communities, causing significant damage. On the night of May 2, 2021, two EF1 tornadoes formed near town with the second being a large tornado that directly struck the northwest side of downtown, prompting a tornado emergency to be issued by the National Weather Service.
Tupelo is located in northeast Mississippi, north of Columbus, on Interstate 22 and U.S. Route 78, midway between Memphis, Tennessee (northwest) and Birmingham, Alabama (southeast).
According to the United States Census Bureau, the city has a total area of 51.4 square miles (133 km), of which 51.1 square miles (132 km) is land and 0.3 square miles (0.78 km) (0.62%) is water.
Like the rest of the state, Tupelo has a humid subtropical climate (Cfa in the Köppen climate classification); it is part of USDA hardiness zone 7b. The normal monthly mean temperature ranges from 43.4 °F (6.3 °C) in January to 82.3 °F (27.9 °C) in July, while, on average, there are 3.0 days where the temperature stays at or below freezing, 55 days with a low at or below freezing, and 67 days with a high at or above 90 °F (32 °C) per year. The all-time record low is −14 °F (−26 °C), set on January 27, 1940, while the all-time record high is 109 °F (43 °C), set on July 29, 1930. However, temperatures at or below 0 °F (−18 °C) are rare, having last occurred December 23, 1989, the date of the all-time record low for December; additionally, while highs can reach 100 °F (38 °C) several days a row during severe heat waves, several years may pass between such readings.
Precipitation is high, averaging 57.74 inches (1,467 mm) annually. On average, December is the single wettest month, and February through May are also especially wet; September and October are the driest months. The rainiest calendar day on record is March 21, 1955 when 9.40 inches (239 mm) of rain fell; monthly precipitation has ranged from trace amounts in August 1983 to 19.89 inches (505 mm) in December 1982. Snow is uncommon, with many years receiving trace amounts or no snowfall at all, and normal (1981–2010) winter snowfall stands at 2.1 inches (5.3 cm). The most snow in one calendar day was 8.0 inches (20 cm) on January 24, 1940, contributing to the 9.2 inches (23 cm) that fell that month, the snowiest on record; the snowiest winter was 1935–36 with 14.8 inches (38 cm).
As of the 2020 United States Census, there were 37,923 people, 14,751 households, and 9,648 families residing in the city.
As of the census of 2010, there were 35,456 people, 13,602 households, and 8,965 families residing in the city. The racial makeup of the city was 58.7% White, 36.8% African American, 0.1% Native American, 1.0% Asian, 0.01% Pacific Islander, 2.0% from other races, and 1.4% from two or more races. 3.5% of the population were Hispanic or Latino of any race.
According to the 2007–2011 American Community Survey 5-Year Estimates, there were 13,395 households, 42.8% were married couples living together, 2.6% had a male householder with no wife present, and 22.5% had a female householder with no husband present. 32.2% were non-family households, with 28.4% had a householder living alone and 3.8% having a householder not living alone.
In addition, 39.7% of householders were living with related children under 18 and 60.3% with no related children under 18. The average household size was 2.47 and the average family size was 3.08.
The median income for a household in the city was $39,415. The poverty rate was 20%.
Historically, Tupelo served as a regional transportation hub, primarily due to its location at a railroad intersection. More recently, it has developed as strong tourism and hospitality sector based around the Elvis Presley birthplace and Natchez Trace. The city has also been successful at attracting manufacturing, retail and distribution operations (see ‘Industry’ section below).
Tupelo’s current mayor is Todd Jordan. The Tupelo Council is made up of seven representatives, each elected from single-member districts. They annually elect the president of the council on a rotating basis. In 2021, the President of the Tupelo City Council is Mike Bryan. Other council members are Markel Whittington, Buddy Palmer, Willie Jennings, Lynn Bryan, Travis Beard, and Nettie Davis.
Tupelo Public School District is the school district for the vast majority of Tupelo. It participates in the Chromebook Distribution Policy, which means students in grades 6 to 12 are each given a school-owned Google Chromebook to use during the school year. In 2008, Sports Illustrated ranked the high school athletic department as the third-best high school athletic program in the nation. Tupelo High School is the largest public high school in Mississippi with a total of 1,931 students enrolled during the 2018–2019 school year.
Some portions of Tupelo are zoned to the Lee County School District.
For post-secondary education, the city has satellite campuses of the University of Mississippi, Itawamba Community College, and the Mississippi University for Women.
The local daily newspaper is the Northeast Mississippi Daily Journal. Tupelo is also served by the weekly Lee County Courier.
Tupelo is home to three television stations serving the 133rd-ranked designated market area among 210 markets nationwide as determined by Nielsen Media Research: WTVA (9), an NBC and ABC affiliate; and WLOV (27), a Fox affiliate. Both stations are located on Beech Springs Road and were controlled by Frank K. Spain until his death on April 25, 2006.
The Christian fundamentalist American Family Association is located in Tupelo, and operates the national American Family Radio network and the OneNewsNow news service.
Tupelo is served by BNSF Railway and Kansas City Southern Railway for freight transportation via rail.
U.S. Route 45, U.S. Route 78, U.S. Route 278, and Natchez Trace Parkway run through Tupelo; Interstate 22 runs north of the city on an east–west route.
The city is served by Tupelo Regional Airport, with service on Contour Airlines.
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.
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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.