Owner Operators Commercial Truck Insurance Near Me Una, Tennessee
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Una, Tennessee. 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 Una, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Una, Tennessee 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.
Davidson County is a county in the U.S. state of Tennessee. It is located in the heart of Middle Tennessee. As of the 2020 census, the population was 715,884, making it the second most populous county in Tennessee. Its county seat is Nashville, the state capital and largest city.
Since 1963, the city of Nashville and Davidson County have had a consolidated government called the “Metropolitan Government of Nashville and Davidson County”, commonly referred to as “Metro Nashville” or “Metro”.
Davidson County has the largest population in the 13-county Nashville-Davidson–Murfreesboro–Franklin Metropolitan Statistical Area, the state’s most populous metropolitan area. Nashville has always been one of the region’s centers of commerce, industry, transportation, and culture, but it did not become the capital of Tennessee until 1827 and did not gain permanent capital status until 1843.
Davidson County is the oldest county in the 41-county region of Middle Tennessee. It dates to 1783, shortly after the end of the American Revolution, when the North Carolina legislature created the county and named it in honor of William Lee Davidson, a North Carolina general who was killed opposing the crossing of the Catawba River by General Cornwallis’s British forces on February 1, 1781. The county seat, Nashville, is the oldest permanent European settlement in Middle Tennessee, founded by James Robertson and John Donelson during the winter of 1779–80 and the waning days of the Revolutionary War.
The first white settlers established the Cumberland Compact to establish a basic rule of law and to protect their land titles. Through much of the early 1780s, the settlers also faced a hostile response from the Native American tribes, such as the Cherokee, Muscogee (Creek), and Shawnee who while not living in the area used is as a hunting ground and resented the newcomers moving into there and competing for its resources. As the county’s many known archaeological sites attest, Native American cultures had occupied areas of Davidson County for thousands of years. The first white Americans to enter the area were fur traders. Long hunters came next, having heard about a large salt lick, known as French Lick, where they hunted game and traded with the Native Americans.
In 1765, Timothy Demonbreun, a hunter, trapper, and former Governor of Illinois under the French, and his wife lived in a small cave (now known as Demonbreun’s Cave) on the south side of the Cumberland River near present-day downtown Nashville. They were the parents of the first white child to be born in Middle Tennessee. A number of the settlers came from Kentucky and the Upper South. Since the land was fertile, they cultivated hemp and tobacco, using the labor of enslaved African Americans, and also raised blooded livestock of high quality, including horses. Generally holding less land than the plantations of Western Tennessee, many Middle Tennessee planters nevertheless became wealthy during this period.
Davidson County was much larger when it was created in 1783. However, four more counties were carved out of Davidson County’s territory between 1786 and 1856.
Following the outbreak of the American Civil War in 1861, the voters of Davidson County voted narrowly in favor of seceding from the United States: 5,635 in favor, 5,572 against. However, the Union Army occupied the county in February 1862, which caused widespread social disruption as the state’s governing institutions broke down.
According to the U.S. Census Bureau, the county has a total area of 526 square miles (1,360 km), of which 504 square miles (1,310 km) is land and 22 square miles (57 km) (4.2%) is water.
The Cumberland River flows from east to west through the middle of the county. Two dams within the county are Old Hickory Lock and Dam and J. Percy Priest Dam, operated by the United States Army Corps of Engineers. Important tributaries of the Cumberland in Davidson County include Whites Creek, Manskers Creek, Stones River, Mill Creek, and the Harpeth River.
As of the 2020 United States census, there were 715,884 people, 289,427 households, and 152,833 families residing in the county.
As of the census of 2000, there were 569,891 people, 237,405 households, and 138,169 families residing in the county. The population density was 1,135 people per square mile (438 people/km). There were 252,977 housing units at an average density of 504 units per square mile (195/km). The racial makeup of the county was 67.0% White, 26.0% Black or African American, 0.3% Native American, 2.3% Asian, 0.1% Pacific Islander, 2.4% from other races, and 2.0% from two or more races. 4.6% of the population were Hispanic or Latino of any race.
In 2005 the racial makeup of the county was 61.7% non-Hispanic white, 27.5% African-American, 6.6% Latino and 2.8% Asian.
In 2000 there were 237,405 households, out of which 26.7% had children under the age of 18 living with them, 39.9% were married couples living together, 14.3% had a female householder with no husband present, and 41.8% were non-families. 33.4% of all households were made up of individuals, and 8.2% had someone living alone who was 65 years of age or older. The average household size was 2.30 and the average family size was 2.96.
In the county, the population was spread out, with 22.2% under the age of 18, 11.6% from 18 to 24, 34.0% from 25 to 44, 21.1% from 45 to 64, and 11.1% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 93.80 males. For every 100 females age 18 and over, there were 90.80 males.
The median income for a household in the county was $39,797, and the median income for a family was $49,317. Males had a median income of $33,844 versus $27,770 for females. The per capita income for the county was $23,069. About 10.0% of families and 13.0% of the population were below the poverty line, including 19.1% of those under age 18 and 10.5% of those age 65 or over.
Davidson County is a Democratic stronghold, due to it comprising the liberal bastion of Nashville. It last went Republican when George H. W. Bush won the county in 1988, and Democratic presidential candidates have handily won the county by double-digit margins since. However, Davidson County has trended even more Democratic in recent years while most of the state has shifted Republican. In 2020, Joe Biden won Davidson county with 64.5% of the vote and a 32.1% margin of victory, the best Democratic performance in the county since Franklin D. Roosevelt’s landslide victories.
In local elections, the county is equally Democratic. Since the end of the Civil War, Nashville has mostly been in the 5th district, however, between 1875 and 1933, and 1943 and 1953, it was located in the 6th district. Until 2023 no Republican has represented Nashville in the US House of Representatives since Horace Harrison left office in 1875.
All of Davidson County is encompassed under the consolidated Metropolitan Government of Nashville and Davidson County. However, several municipalities that were incorporated before consolidation retain some autonomy as independent municipalities. These are:
For U.S. Census purposes, the portions of Davidson County that lie outside the boundaries of the six independently incorporated municipalities are collectively treated as the Nashville-Davidson balance.
Before consolidation occurred, there were several other communities that were unincorporated, while others relinquished their municipal charters. Now neighborhoods of Nashville, they maintain historical identities to varying degrees. These include:
Metropolitan Nashville Public School District is the school district of the entire county.
Tennessee School for the Blind is a state-operated school in Nashville.
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.
