Owner Operators Truck Insurance Near Me Hoover, Alabama
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Hoover, Alabama. 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 Hoover, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Hoover, Alabama 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.
Hoover is a city in Jefferson and Shelby counties in north central Alabama, United States. Hoover is the largest suburban city in Alabama and the 6th largest city in Alabama. The city had a population of 92,606 as of the 2020 US Census. Hoover is part of the Birmingham-Hoover, AL Metropolitan Statistical Area and is also included in the Birmingham-Hoover-Talladega, AL Combined Statistical Area. Hoover’s territory is along the foothills of the Appalachian Mountains.
The Birmingham Barons Minor League Baseball team, which traces its history to 1885, played its home games at the 10,800-seat Hoover Metropolitan Stadium until 2013, when it moved to Regions Field in the Parkside District of Birmingham.
This suburban area near the foothills of the Appalachian Mountains had been known as the Green Valley community since the 1930s; it was mostly a bedroom or residential community into the late 1970s and early 1980s. The City of Hoover was incorporated in 1967, named for William H. Hoover (1890 – 1979), a local insurance company owner.
On September 8, 1980, the city annexed the Riverchase business and residential community, gaining large office buildings, employers, and workers to increase the city’s tax base. When Interstate I-459 was opened, a major interchange with Interstate I-65 was constructed within the borders of Hoover, improving access.
In 1986 the Riverchase Galleria multi-use complex opened; it has significantly increased the tax revenue for the city. It has also attracted new residents and businesses to the area. The city has grown extremely fast, aided by its annexations of territory as well as new developments. The city has expanded its facilities, and now operates a Municipal Center, Library, and Public Safety Center. The city expects to continue to increase in population, which has risen significantly since 2008. It numbered 81,619 as of the 2010 Census.
Hoover is located at 33°23′11″N 86°48′18″W / 33.386435°N 86.804938°W.
According to the U.S. Census Bureau, the city has a total area of 43.65 square miles (113.1 km), of which 43.13 square miles (111.7 km) is land and 0.51 square miles (1.3 km) (1.17%) is water.
Many major highways pass through the city limits, including I-65, I-459, and U.S. Route 31. Via I-65 or US-31, downtown Birmingham is 11 mi (18 km) north, and Montgomery is 82 mi (132 km) south. Via I-459, Atlanta, GA is 152 mi (245 km) east, and Tuscaloosa is 53 mi (85 km) west.
The municipal government has operated under the Mayor-Council form of government since incorporation. The Mayor and City Council are elected on a non-partisan basis to concurrent four-year terms of office, which begin on October 1 of election year. Policy-making and legislative authority is vested in the City Council, which consists of seven “at-large” elected members (prior to 2004, the council consisted of five at-large members.) (Candidates for at-large elections must gain a majority of voters; such a system has been found in other cities in Alabama to limit the ability of minority voters to elect candidates of their choice.)
The city council is responsible for considering local resolutions and ordinances, adopting an annual budget, and appointing members to local boards and committees. The Mayor is responsible for carrying out and enforcing the city’s policies and ordinances.
The Riverchase Galleria shopping-hotel-office complex generates tax revenues for the city; it is also the location of numerous retail, hotel, and office workers. The Riverchase Office Park, and other office parks and buildings throughout Hoover, house many large corporations. Major shopping centers in the city include Riverchase Galleria on US 31, Patton Creek on SR 150, and Village at Lee Branch on US 280. The Central Business District is intersected by US 31, SR 150, and US 280. I-65 and I-459 intersect in the city.
Hoover 2015 annual financial report, ranking by largest sales and use taxpayers:
Hoover Fire Department is a full-time career department operating from ten fire stations throughout the city. The city has one battalion. There are eight engine companies, two quints, one ladder truck, three ALS rescue/ambulances, and two battalion chief cars. All engine companies are staffed with a minimum of three people, with at least two being firefighter/paramedics. All engines are classified ALS (Advanced Life Support). The department also operates one heavy rescue truck, and one hazmat unit. Hoover Fire Department holds a Class 1 ISO rating. In 2016, the department responded to over 10,000 calls.
Hoover operates its own enhanced 911 emergency call center, which has 24 operator positions, 2 communication supervisors, 1 department manager and is staffed 24/7.
Hoover provides traffic, severe weather, disaster information, and details on special events on low-power AM radio (1610 kHz).
At the 2000 census, there were 62,742 people in 25,191 households, including 17,406 families, in the city. The population density was 1,454.6 inhabitants per square mile (561.6/km). There were 27,150 housing units at an average density of 629.4 per square mile (243.0/km). The racial makeup of the city was 87.66% White, 6.77% Black, 0.16% Native American, 2.89% Asian, 0.03% Pacific Islander, 1.40% from other races, and 1.09% from two or more races. 3.79% of the population were Hispanic or Latino of any race.
Of the 25,191 households 33.4% had children under the age of 18 living with them, 59.4% were married couples living together, 7.2% had a female householder with no husband present, and 30.9% were non-families. 25.9% of households were one person and 6.3% were one person aged 65 or older. The average household size was 2.47 and the average family size was 3.00.
The age distribution was 24.8% under the age of 18, 7.9% from 18 to 24, 32.6% from 25 to 44, 23.8% from 45 to 64, and 10.9% 65 or older. The median age was 36 years. For every 100 females, there were 95.1 males. For every 100 females age 18 and over, there were 91.5 males.
According to a 2007 estimate, The median household income was $75,365, and the median family income was $89,513. Males had a median income of $55,660 versus $34,836 for females. The per capita income for the city was $33,361. About 2.1% of families and 3.4% of the population were below the poverty line, including 2.7% of those under age 18 and 3.9% of those age 65 or over.
At the 2010 census, there were 84,126 people in 32,478 households, including 22,476 families, in the city. The population density was 1,870.3 inhabitants per square mile (722.1/km). There were 35,474 housing units at an average density of 812.9 per square mile (313.9/km). The racial makeup of the city was 75.1% White, 14.8% Black, 0.2% Native American, 5.1% Asian, 0.0% Pacific Islander, 3.2% from other races, and 1.5% from two or more races. 6.0% of the population were Hispanic or Latino of any race.
Of the 32,478 households 33.0% had children under the age of 18 living with them, 56.1% were married couples living together, 10.0% had a female householder with no husband present, and 30.8% were non-families. 25.8% of households were one person and 7.6% were one person aged 65 or older. The average household size was 2.50 and the average family size was 3.02.
The age distribution was 25.0% under the age of 18, 7.8% from 18 to 24, 28.7% from 25 to 44, 26.6% from 45 to 64, and 12.0% 65 or older. The median age was 37 years. For every 100 females, there were 92.5 males. For every 100 females age 18 and over, there were 92.4 males.
The median household income was $72,960 and the median family income was $94,066. Males had a median income of $65,023 versus $44,525 for females. The per capita income for the city was $39,141. About 3.4% of families and 5.6% of the population were below the poverty line, including 6.6% of those under age 18 and 3.5% of those age 65 or over.
As of the 2020 United States census, there were 92,606 people, 32,461 households, and 23,672 families residing in the city.
Hoover is served by two interstate highways, 65 and 459, with a major interchange near the center of the city. Major arterial roads include U.S. Route 31 as a north–south route through the middle of the city, U.S. Route 280 in the eastern portion of the city, Route 150 as an east–west road connecting the city center to the western side, and Valleydale Road connecting Route 31 and Route 280.
Hoover is also served by the Birmingham-Jefferson County Transit Authority.
Hoover is served by Hoover City Schools. It has ten elementary schools, three middle schools, and two high schools, Spain Park High School and Hoover High School. Both schools have ranked high for excellent academics, being rated close to the top five-hundred schools in the country. During the 2005–2006 school year, some 2,451 students enrolled in Hoover High School, 1,400 in Spain Park High School, with a total of 11,433 students in the Hoover City School system. Spain Park received the National Blue Ribbon Award in 2008.
Berry Middle School, which served as the city’s first high school before the present Hoover High was constructed, was closed after the 2005–2006 academic year. Students were moved to a new Berry Middle School constructed near the site of Spain Park High School. A poll of residents in 2007 favored selling the school, possibly to the independent Shades Mountain Christian School. Simmons Middle School and Bumpus Middle School are the city’s other middle schools.
Given the population expansion, the city built Riverchase Elementary to relieve overcrowding of some schools. The student population bubble is advancing in the system, and in the 2011–2012 academic year, Bumpus Middle School and its students were relocated to the former freshman center of Hoover High School. The former Bumpus site became Brock’s Gap Intermediate School in 2011. The former Berry site became the current Bumpus Middle School in 2011. Brock’s Gap served 5th and 6th graders until 2018 when Hoover Rezoning went into effect. They now serve 3rd, 4th, and 5th graders. Bumpus Middle School served only 7th and 8th graders until 2018 because of Hoover Rezoning. They now serve 6th, 7th, and 8th graders.
The Shelby-Hoover campus of the Jefferson State Community College is in Shelby County, is in Hoover, near Spain Park High School. Faulkner University has a campus on Valleydale Road; The University of Alabama in Birmingham (UAB) in downtown Birmingham is only 8–10 miles away, and features the premier medical school of Alabama.
The Birmingham Supplementary School Inc. (BSS, バーミングハム日本語補習校 Bāminguhamu Nihongo Hoshūkō), a part-time Japanese school, holds its classes at the Shelby-Hoover campus. Its office is at the Honda Manufacturing of Alabama, LLC facility in unincorporated Talladega County, near Lincoln. The school opened on September 1, 2001.
Hoover has one television station, WBMA, branded as ABC 33/40, with its studio within the Hoover city limits. The metro area has TV broadcasting stations that serve the Birmingham-Anniston-Tuscaloosa Designated Market Area (DMA), as defined by Nielsen Media Research. Charter Communications, Bright House Networks, and AT&T U-verse provide cable television service to specific communities in Hoover. DirecTV and Dish Network provide direct broadcast satellite television, including both local and national channels.
No radio stations operate from Hoover, although residents are served by numerous stations from the Birmingham market. (WERC-FM is licensed to Hoover but its studio is located in Birmingham.)
Two newspapers serve Hoover: the Over the Mountain Journal newspaper, published twice monthly and delivered for free to select neighborhoods in Hoover and nearby communities; and the Hoover Sun, published monthly and mailed for free to roughly 24,000 homes and businesses in Hoover.
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.