Owner Operators Truck Insurance Near Me Chapel Hill, North Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Chapel Hill, 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 Chapel Hill, North Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Chapel Hill, 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.
Chapel Hill is a town in Orange and Durham counties in the U.S. state of North Carolina. Its population was 61,960 in the 2020 census, making Chapel Hill the 17th-largest municipality in the state. Chapel Hill, Durham, and the state capital, Raleigh, make up the corners of the Research Triangle (officially the Raleigh–Durham–Cary, NC Combined Statistical Area), with a total population of 2,106,463 in 2020 census.
The town was founded in 1793 and is centered on Franklin Street, covering 21.3 square miles (55 km). It contains several districts and buildings listed on the National Register of Historic Places. The University of North Carolina at Chapel Hill and UNC Health Care are a major part of the economy and town influence. Local artists have created many murals.
The Occaneechi Indians lived in the area of what is now Hillsborough, north of Chapel Hill, prior to European settlement.
The area was the home place of early settler William Barbee of Middlesex County, Virginia, whose 1753 grant of 585 acres on the north and south side of “Lick Branch” from John Carteret, 2nd Earl Granville was the first of two land grants in what is now the Chapel Hill-Durham area. Though William Barbee died shortly after settling there in 1758, one of his eight children, Christopher Barbee, became an important contributor to his father’s adopted community and to the fledgling University of North Carolina. In 1792, he offered the trustees of UNC 221 acres on which the university is now built, making him the university’s largest donor.
Chapel Hill has developed along a hill; the crest was the original site of a small Anglican “chapel of ease”, built in 1752, known as New Hope Chapel. The Carolina Inn now occupies this site. In 1819, the town was founded by the NC General Assembly to serve the University of North Carolina and developed around it. The town was chartered in 1851, and its main street, Franklin Street, was named in memory of Benjamin Franklin.
Four in ten Chapel Hillians were enslaved at the start of the Civil War, and about half of the town was Black. In April 1865, as the war ended, the 9th Michigan Cavalry rode into Chapel Hill and occupied the university and the town for more than two weeks.
In 1969, a year after the city fully integrated its schools, Chapel Hill elected Howard Lee as mayor. It was the first majority-white municipality in the South to elect an African-American mayor. Serving from 1969 to 1975, Lee helped establish Chapel Hill Transit, the town’s bus system, and the Mountains-to-Sea trail.
Some 30 years later, in 2002, the state passed legislation to provide free service to all riders on local buses. The bus operations are funded through Chapel Hill and Carrboro town taxes, federal grants, and UNC student tuition. The change has resulted in a large increase in ridership, taking many cars off the roads. Several hybrid and articulated buses have been added recently. All buses carry GPS transmitters to report their location in real-time to a tracking web site. Buses can transport bicycles and have wheelchair lifts.
In 1993, the town celebrated its bicentennial and founded the Chapel Hill Museum. This cultural community resource “exhibiting the character and characters of Chapel Hill, North Carolina” includes among its permanent exhibits Alexander Julian, History of the Chapel Hill Fire Department, Chapel Hill’s 1914 Fire Truck, The James Taylor Story, Farmer/James Pottery, and The Paul Green Legacy.
In addition to the Carolina Inn, the Beta Theta Pi Fraternity House, Chapel Hill Historic District, Chapel Hill Town Hall, Chapel of the Cross, Gimghoul Neighborhood Historic District, Alexander Hogan Plantation, Old Chapel Hill Cemetery, Old East, University of North Carolina, Playmakers Theatre, Rocky Ridge Farm Historic District, and West Chapel Hill Historic District are listed on the National Register of Historic Places.
Chapel Hill is located in the southeast corner of Orange County. It is bounded on the west by the town of Carrboro and on the northeast by the city of Durham. However, most of Chapel Hill’s borders are adjacent to unincorporated portions of Orange and Durham Counties rather than shared with another municipality. According to the United States Census Bureau, the town has a total area of 21.3 square miles (55.1 km), of which 21.1 square miles (54.7 km) is land and 0.15 square miles (0.4 km) is covered by water. University Lake is part of the town’s public water supply.
Durham, North Carolina, is the core of the four-county Durham-Chapel Hill Metropolitan Statistical Area, which has a population of 504,357 as of 2010 census. The US Office of Management and Budget also includes Chapel Hill as a part of the Raleigh-Durham-Cary Combined Statistical Area, which has a population of 2,106,463 as of the 2020 census. Effective June 6, 2003, the Office of Management and Budget redefined the federal statistical areas and dismantled what had been for decades the Raleigh-Durham-Chapel Hill MSA, and split them into two separate MSAs, though the region functions as a single metropolitan area.
As of the 2020 United States census, there were 61,960 people, 20,369 households, and 10,552 families residing in the town.
According to the 2010 U.S. Census, 57,233 people in 20,564 households resided in Chapel Hill. The population density was 2,687 people per square mile (1,037 people/km). The racial composition of the town was 72.8% White, 9.7% African American, 0.3% Native American, 11.9% Asian, 0.02% Pacific Islander, 2.7% some other race, and 2.7% of two or more races. About 6.4% of the population was Hispanic or Latino of any race.
Of the 20,564 households, 51.1% were families, 26.2% of all households had children under the age of 18 living with them, 40.2% were headed by married couples living together, 8.2% had a female householder with no husband present, and 48.9% were not families. About 30.6% of all households were made up of individuals, and 7.7% had someone living alone who was 65 years of age or older. The average household size was 2.35 and the average family size was 2.98.
In the town, the population was distributed as 17.4% under the age of 18, 31.5% from 18 to 24, 23.6% from 25 to 44, 18.4% from 45 to 64, and 9.2% who were 65 years of age or older. The median age was 25.6 years. For every 100 females, there were 87.2 males. For every 100 females age 18 and over, there were 83.6 males.
According to estimates released by the U.S. Census Bureau, over the three-year period of 2005 through 2007, the median income for a household in the town was $51,690, and for a family was $91,049. Males had a median income of $50,258 versus $32,917 for females. The per capita income for the town was $35,796. About 8.6% of families and 19.8% of the population were below the poverty line, including 8.6% of those under age 18 and 5.6% of those age 65 or over.
Chapel Hill is North Carolina’s best-educated municipality, proportionately, with 77% of adult residents (25 and older) holding an associate degree or higher, and 73% of adults possessing a baccalaureate degree or higher.
Chapel Hill uses a council-manager form of government. The community elects a mayor and eight council members. Mayors serve two-year terms, and council members serve staggered four-year terms, all elected by the city at large; city elections are held in November of odd-numbered years. Mayor Pam Hemminger, a former board of education member, was elected in 2015 and re-elected in 2017, 2019, and 2021. She is currently serving her fourth term. She defeated incumbent Mark Kleinschmidt, who in 2009 had been elected the first openly gay mayor of Chapel Hill, succeeding outgoing four-term Mayor Kevin Foy.
The town adopted its flag in 1990. According to flag designer Spring Davis, the blue represents the town and the University of North Carolina (whose colors are Carolina blue and white); the green represents “environmental awareness”; and the “townscape” in the inverted chevron represents “a sense of home, friends, and community.”
The town’s seal, has, since the 1930s, depicted Athena, the Greek goddess of wisdom and protector of cities. Having gone through several revisions, the seal, which also serves as the town logo, was most recently updated in 2005 to a visually simpler version.
The Chapel Hill-Carrboro school district covers most of the towns of Chapel Hill and Carrboro, along with portions of unincorporated Orange County, and is recognized for its academic strengths. East Chapel Hill High School, Carrboro High School, and Chapel Hill High School have all received national recognition for excellence, with Newsweek in 2008 ranking East Chapel Hill High as the 88th-best high school in the nation, and the highest-ranked standard public high school in North Carolina. The small portion of Chapel Hill located in Durham County is part of Durham Public Schools.
There are several private K-12 schools in Chapel Hill, including Emerson Waldorf School.
Founded in 1789, the University of North Carolina at Chapel Hill is a public research university and is the flagship of the University of North Carolina system.
The state’s main youth orchestra, Piedmont Youth Orchestra, is based in Chapel Hill.
Also located in the town is the Chapel Hill Public Library, directed by Susan Brown.
Though Chapel Hill is a principal city of a large metropolitan area, it retains a relatively small-town feel. Combined with its close neighbor, the Chapel Hill-Carrboro area has roughly 85,000 residents. Many large murals can be seen painted on the buildings. Most of these murals were painted by UNC alumnus Michael Brown. Also, for more than 30 years, Chapel Hill has sponsored the annual street fair, Festifall, in October. The fair offer booths to artists, craftsmakers, nonprofits, and food vendors. Performance space is also available for musicians, martial artists, and other groups. The fair is attended by tens of thousands each year.
The Morehead Planetarium was the first planetarium built on a U.S. college campus. When it opened in 1949, it was one of six planetariums in the nation and has remained an important town landmark. During the Mercury, Gemini, and Apollo programs, astronauts were trained there. One of the town’s hallmark features is the giant sundial, located in the rose gardens in front of the planetarium on Franklin Street.
Influences of the university are seen throughout the town, even in the fire departments. Each fire station in Chapel Hill has a fire engine (numbers 31, 32, 33, 34, and 35) that is Carolina blue. These engines are also decorated with different UNC decals, including a firefighter Rameses.
Chapel Hill also has some new urbanist village communities, such as Meadowmont Village and Southern Village. Meadowmont and Southern Village both have shopping centers, green space where concerts and movies take place, community pools, and schools. Also, a traditional-style mall with a mix of national and local retailers is located at University Place.
Hailed as one of America’s Foodiest Small Towns by Bon Appétit, Chapel Hill is rapidly becoming a hot spot for pop American cuisine. Among the restaurants noted nationally are Mama Dip’s (Food Network’s $40 A Day With Rachael Ray), Crook’s Corner, Sunrise Biscuit Kitchen (The Splendid Table), caffè Driade (Food Network’s $40 A Day With Rachael Ray), Lantern Restaurant (Food & Wine, Southern Living, etc.), and Vimala’s Curryblossom Cafe.
In the realm of popular music, James Taylor, George Hamilton IV, Southern Culture on the Skids, Superchunk, Polvo, Archers of Loaf, Ben Folds Five, The Kingsbury Manx, Spider Bags and more recently Porter Robinson, are among the most notable musical artists and acts whose careers began in Chapel Hill. The town has also been a center for the modern revival of old-time music with such bands as the Ayr Mountaineers, Hollow Rock String band, Mandolin Orange, the Tug Creek Ramblers, Two Dollar Pistols, the Fuzzy Mountain String band, Big Fat Gap and the Red Clay Ramblers.
Chapel Hill was also the founding home of now Durham-based Merge Records. Bruce Springsteen has made a point to visit the town on four occasions. His most recent appearance was on September 15, 2003, at Kenan Memorial Stadium with the E Street Band. U2 also performed at Kenan on the first American date of their 1983 War Tour, where Bono climbed up to the top of the stage, during pouring rain and lightning, holding up a white flag for peace. The 2011 John Craigie song, “Chapel Hill”, is about the singer’s first visit there. One song from Dirty, a Sonic Youth album, is named after the town.
The University of North Carolina has been very successful at college basketball and women’s soccer, and a passion for these sports has been a distinctive feature of the town’s culture, fueled by the Tobacco Road rivalry among North Carolina’s four ACC teams: the North Carolina Tar Heels, the Duke Blue Devils, the NC State Wolfpack, and the Wake Forest Demon Deacons.
The two largest sports venues in the town both house UNC teams. The Dean Smith Center is home to the men’s basketball team, while Kenan Memorial Stadium is home to the football team. In addition, Chapel Hill is also home to Carmichael Arena which formerly housed the UNC men’s basketball team, and currently is home to the women’s team, and to the new Dorrance Field, home to men’s and women’s soccer and lacrosse teams.
Many walking/biking trails are in Chapel Hill. Some of these include Battle Branch Trail, Morgan Creek Trail and Bolin Creek Trail, Chapel Hill’s oldest trail and most popular greenway.
Chapel Hill has intracity bus service via Chapel Hill Transit. Go Triangle provides connection to the rest of the Triangle (Raleigh, Durham, and Hillsborough), of which the Hillsborough service is operated by Chapel Hill Transit, and supplemented mid-day by a county shuttle.
The Durham–Orange Light Rail line, which would have run between Chapel Hill and Durham, entered planning and engineering phases in August 2017. The project was discontinued in April 2019.
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.