Owner Operators Truck Insurance Near Me Biloxi, Mississippi
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Biloxi, 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 Biloxi, Mississippi with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Biloxi, 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.
Biloxi ( bih-LUK-see; French: ) is a city in Harrison County, Mississippi, United States. It lies on the Gulf Coast in southern Mississippi thirteen miles east of Gulfport along US-90. The adjacent cities are both designated as seats of Harrison County. The population of Biloxi was 49,449 at the 2020 census, making it the state’s fourth-largest city. It is a principal city of the Gulfport–Biloxi metropolitan area, home to 416,259 residents in 2020. The area’s first European settlers were French colonists.
The beachfront of Biloxi lies directly on the Mississippi Sound, with barrier islands scattered off the coast and into the Gulf of Mexico. Keesler Air Force Base lies within the city and is home to the 81st Training Wing and the 403d Wing of the U.S. Air Force Reserve.
In 1699, French colonists formed the first permanent, European settlement in French Louisiana, at Fort Maurepas, now in Ocean Springs, Mississippi, and referred to as “Old Biloxi”. They were under the direction of Pierre Le Moyne d’Iberville. La Louisiane was separated from Spanish Florida at the Perdido River near Pensacola (this was founded by the Spanish 1559 and again in 1698).
The name of Biloxi in French was Bilocci, a transliteration of the term for the local Native American tribe in their language. Labeled along with “Fort Maurepas” on maps dated circa year 1710/1725, the name was sometimes used in English as “Fort Bilocci”.
In 1720, the area of today’s city of Biloxi was settled for the first time around Fort Louis. In this year the administrative capital of French Louisiana was moved to Biloxi (or Bilocci) from Mobile (or La Mobile). French Louisiana, part of New France, was known in French as La Louisiane in colonial times. In modern times it is called La Louisiane française to distinguish it from the modern state of Louisiana.
Due to fears of tides and hurricanes, colonial governor Bienville moved the capital of French Louisiana in 1722 from Biloxi to a new inland harbor town named La Nouvelle-Orléans (New Orleans), built for this purpose in 1718–1720.
In 1763, following Britain’s victory in the Seven Years’ War/French and Indian War, France had to cede their colonies east of the Mississippi River, except for New Orleans, to Great Britain, as part of the Treaty of Paris. At the same time, the French colony west of the Mississippi, plus New Orleans, was ceded to Spain as part of the Treaty of Fontainebleau.
British rule lasted from 1763 to 1779, followed by Spanish rule from 1779 to 1810. Despite this, the character of Biloxi remained mostly French, as their descendants made up the majority of the population. In 1811, the U.S. traded with Spain to take over Biloxi and the related area, making it part of their Mississippi Territory. Mississippi, and Biloxi with it, was admitted as a state to the union in 1817.
Biloxi began to grow. In the antebellum period of the 19th century, it became known as a summer resort due to its proximity to the breezes and beaches of the coast. It also had the advantages of proximity to New Orleans and ease of access via water. Summer homes were built by wealthy slave-owners and commercial figures, and hotels and rental cottages were developed to serve those who could not afford their own homes.
The Biloxi Lighthouse was built in Baltimore, Maryland, and shipped south, where it was completed at the site in May 1848. (It is one of two surviving lighthouses on the Mississippi Gulf Coast, which at one time had twelve.)
In the early stages of the Civil War, Ship Island was captured by Union forces, enabling them to take control of Biloxi. No major battles were fought in the area, and Biloxi did not suffer direct damage from the war. Some local Union sentiment could be discerned following the war’s conclusion.
In the postbellum period, Biloxi again emerged as a vacation spot. Its popularity as a destination increased with railroad access. In 1881, the first cannery was built in the town to process seafood, leading others to join the location. This stimulated development in the city and attracted new immigrants from Europe and various ethnic groups who worked in the seafood factories. They processed shrimp and other local seafood. These changes gave Biloxi a more heterogeneous population.
During World War II, the United States Army Air Forces built Keesler Field, now Keesler Air Force Base, which became a major basic training site and site for aircraft maintenance. The Biloxi economy boomed as a result, attracting new residents and businesses. By 1958, the first Jewish synagogue had been built in the town.
Biloxi’s casino history dates to a period in the 1940s. At the time, open, if technically illegal, gambling took place in a casino within the Broadwater Beach Resort. Open gambling ended during the 1950s. The Mississippi Gulf Coast became known as the “Poor Man’s Riviera”, and was frequented by Southern families interested in fishing expeditions during the summer. Commercially, Biloxi was dominated by shrimp boats and oyster luggers. The tradition of blessing fishing boats in the US seems to have first taken place in Biloxi in 1929 and has been practised ever since.
In 1959, Biloxi was the site of “Mississippi’s first public assault on racial barriers in its 15-year civil rights struggle.” Gilbert R. Mason, a black physician in Biloxi, went swimming at a local beach with seven black friends. They were ordered to leave by a city policeman, who told them that “Negroes don’t come to the sand beach.” Mason reacted by leading a series of protests, known as the Biloxi Wade-Ins. The protests were followed in 1960 by the worst racial riot in Mississippi history, during which ten people died. Ultimately, the protests led to the desegregation of the beaches of Biloxi.
In the early 1960s, the Gulf Coast again emerged as a prime alternative to Florida as a southern vacation destination among Northerners, with Biloxi a favored destination. Biloxi hotels upgraded their amenities and hired chefs from France and Switzerland in an effort to provide some of the best seafood cuisine in the country. Edgewater Mall was built in 1963.
With the introduction of legal gambling in Mississippi in the 1990s, Biloxi was again transformed. It became an important center in the resort casino industry. The new hotels and gambling complexes brought millions of dollars in tourism revenue to the city. The more famous casino complexes were the Beau Rivage casino resort, the Hard Rock Hotel and Casino, Casino Magic, Grand Casino, Isle of Capri Casino Resort Biloxi, Boomtown Casino, President Casino Broadwater Resort, and Imperial Palace. Like Tunica County in the northern part of the state, Biloxi and the surrounding Gulf Coast region were considered a leading gambling center in the Southern United States.
To celebrate the area’s tricentennial in 1998/99, the city’s tourism promotion agency invited the nationally syndicated Travel World Radio Show to broadcast live from Biloxi, with co-host Willem Bagchus in attendance.
By the early 21st century, Biloxi’s economy was based on the seafood industry, tourism, and gaming.
Scores of hurricanes have hit the Mississippi Gulf Coast, but the most destructive, as measured by storm surge levels in the Biloxi Lighthouse, occurred in 1855, 1906, 1909, 1947, 1969 (Hurricane Camille), and 2005 (Hurricane Katrina)
On August 29, 2005, Hurricane Katrina hit the Mississippi Gulf Coast with high winds, heavy rains and a 30-foot (9.1 m) storm surge, causing massive damage to the area. Katrina came ashore during the high tide of 6:56 am, +2.3 feet more. Commenting on the power of the storm and the damage, Mayor A. J. Holloway said, “This is our tsunami.” Mississippi Governor Haley Barbour was quoted as saying the destruction of the Mississippi coastline by Hurricane Katrina looked like an American Hiroshima.
On the morning of August 31, 2005, in an interview on MSNBC, Governor Barbour stated that 90% of the buildings along the coast in Biloxi and neighboring Gulfport had been destroyed by the hurricane. Several of the “floating” casinos were torn off their supports and thrown inland, contributing to the damage.
Many churches were destroyed or severely damaged, including St. Michael’s Catholic Church, which was gutted by the storm surge, breaking the entry doors and stained-glass windows along the first floor; however, the interior was later removed, and the structure was still solid enough to allow repairing the church.
Hurricane Katrina damaged over 40 Mississippi libraries beyond repair, breaking windows and flooding several feet in the Biloxi Public Library, requiring a total rebuild.
Hurricane-force winds persisted for 17 hours and tore the branches off many coastal oak trees, but the tree trunks survived the 30-foot (9.1 m) flood and many have since regrown smaller branches. Some reconstructed homes still have their antebellum appearance, and miles inland, with less flooding, shopping centers have reopened.
Harrison County Coroner Gary T. Hargrove told the mayor and City Council that Hurricane Katrina had claimed 53 victims in Biloxi, as of January 30, 2006. Of the 53 confirmed fatalities in Biloxi, a figure that includes one unidentified male, Hargrove said the average age was 58, with the youngest being 22 and the oldest 90; 14 were female and 39 were male.
Biloxi is the site of a well-known memorial to Katrina victims. The memorial was created by a team of local artists (Elizabeth Veglia and Aaron Kramer), an architect (Dennis Cowart), a contractor (Roy Anderson Corporation), and city liaison (Nathan Sullivan), with assistance from the crew and volunteers of Extreme Makeover: Home Edition.
Many casinos were damaged or destroyed by Hurricane Katrina. Of the casinos that were located in Biloxi, eight have reopened since Katrina. They are the Grand Biloxi Casino Hotel Spa (formerly known as Grand Casino Biloxi), the Hard Rock Hotel & Casino, the Golden Nugget, the Palace Casino Resort, the IP Casino Resort Spa (formerly known as Imperial Palace), Treasure Bay Casino, Boomtown Casino, and the Beau Rivage, which reopened on the first anniversary of Hurricane Katrina.
Multiple plans have been laid out to rebuild the waterfront areas of Biloxi, and the federal government has recently announced that it is considering giving up to 17,000 Mississippi coast homeowners the option to sell their properties so that a vast hurricane-protection zone can be implemented. Meanwhile, the city of Biloxi is rapidly implementing plans to allow the redevelopment of commercial properties south of Highway 90.
Biloxi is located in southeastern Harrison County, bordered to the south by Mississippi Sound (part of the Gulf of Mexico) and to the northeast partially by Biloxi Bay, which forms part of the Jackson County line. To the northeast, across Biloxi Bay, are the Jackson County city of Ocean Springs and the unincorporated community of St. Martin. The Back Bay of Biloxi continues west from the Jackson County line, crossing the city of Biloxi to Big Lake on the city’s western boundary, where the Biloxi and Tchoutacabouffa rivers join. The Tchoutacbouffa flows from east to west across the city and forms part of the city’s eastern boundary. Biloxi is bordered to the north and east by the city of D’Iberville and to the west by the city of Gulfport.
According to the United States Census Bureau, Biloxi has a total area of 46.7 square miles (120.9 km), of which 38.2 square miles (99.0 km) are land and 8.5 square miles (21.9 km), or 18.14%, are water.
Biloxi has a humid subtropical climate (Köppen: Cfa) that is heavily influenced by the Gulf of Mexico. Winter days are mild and wet. Snow is extremely rare in Biloxi. Summers are hot and humid, bearing the brunt of tropical storms during the late summer to fall. Biloxi’s record low of 10 °F (−12.2 °C) was recorded on January 24, 1963, and the record high of 104 °F (40 °C) was recorded on August 29, 2000.
Biloxi is the smaller of two principal cities of the Gulfport-Biloxi, Mississippi Metropolitan Statistical Area, which is included in the Gulport-Biloxi-Pascagoula Combined Statistical Area.
As of the 2020 United States census, there were 49,449 people, 17,923 households, and 10,922 families residing in the city.
Biloxi is home to eight casino resort hotels, with 24-hour gambling, concert entertainment shows, and several restaurants. Some of the current casino resorts include (dates reflect business status after Hurricane Katrina):
In the center of what fisheries biologists term “The Fertile Fisheries Crescent”, Biloxi offers some of the finest sportsfishing along the entire northern coast of the Gulf of Mexico. Spotted seatrout, red drum, Spanish and king mackerel, flounder, snapper, grouper, sharks, and more are all available to anglers during the fishing season. It is not known how Hurricane Katrina affected this ecosystem.
The Biloxi Shuckers, the Class AA Southern League affiliate of the Milwaukee Brewers play in MGM Park.
Biloxi was the host city of the 2009 Women’s World Military Cup.
Biloxi City Futbol Club is set to join the Louisiana Premier League for the fall of 2016.
The Bolton State Office Building in Biloxi includes the headquarters of the Mississippi Department of Marine Resources and the South Regional Office of the Mississippi Department of Environmental Quality.
The United States Postal Service operates the Biloxi Post Office and other area post offices.
The Biloxi Fire Department will have 10 Stations in both 2018 and 2019. As of right now, Station 7 is operated by 4 firefighters in a trailer in Woolmarket. Station 7 will be on the property of the dispatch center and the maintenance facilities, right by the road. It will be a 3-bay Fire Station in the design of a beach house. Station 10 is being built on Old Highway 67 and will look similar to Stations 2 and 9.
The city is served by the Biloxi Public School District and the Harrison County School District.
The Gulf Coast has a large Catholic school system, 15 of which are in Biloxi.
Biloxi has one daily newspaper, the Sun Herald, which is headquartered in nearby Gulfport.
According to Nielsen Media Research, the Biloxi market, as of the 2015–2016 season, is the third largest of five television markets in Mississippi, and the 158th largest in the country. Three major television stations serve the Biloxi area. ABC affiliate WLOX 13 and PBS/MPB member station WMAH-TV 19 are located in Biloxi, while Fox/MyNetworkTV affiliate WXXV-TV 25 is located in Gulfport. In addition to the stations’ main programming, WLOX and WXXV-TV broadcast programming from other networks on digital subchannels. WLOX-DT2 serves as the market’s CBS affiliate, while WXXV-TV operates the market’s respective NBC and CW affiliates on DT2 and DT3.
20 FM and 7 AM radio stations operate in and/or serve the Biloxi area.
Biloxi is served by the Gulfport-Biloxi International Airport in Gulfport.
Biloxi’s main highway is U.S. Highway 90 (Beach Boulevard), which runs along the beach and by the casinos. It connects the city to Gulfport and points westward and to Ocean Springs and Pascagoula to the east. The Biloxi Bay Bridge, connecting Biloxi and Ocean Springs, was rebuilt after Hurricane Katrina, and was fully reopened in April 2008.
Interstate 10 passes through the northern sections of the city, leading west 85 miles (137 km) to New Orleans and east 60 miles (97 km) to Mobile, Alabama. Interstate 110 splits off from I-10 at D’Iberville and heads south across the Back Bay of Biloxi to U.S. 90 near Beau Rivage, providing the city with an important hurricane evacuation route.
North–south highways serving the area include:
Several films have been produced in Biloxi, including:
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.
