Owner Operators Truck Insurance Near Me Mooresville, North Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Mooresville, 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 Mooresville, North Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mooresville, 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.
Mooresville is a town located in the southwestern section of Iredell County, North Carolina, United States, and is a part of the fast-growing Charlotte metropolitan area. The population was 50,193 at the 2020 United States Census, making it the largest municipality in Iredell County. It is located approximately 25 miles (40 km) north of Charlotte.
Mooresville is best known as the home of many NASCAR racing teams and drivers, along with an IndyCar team and its drivers, as well as racing technology suppliers, which has earned the town the nickname “Race City USA”. Also located in Mooresville is the corporate headquarters of Lowe’s Corporation and Universal Technical Institute’s NASCAR Technical Institute.
Mooresville is located in southern Iredell County at 35°35′4″N 80°49′13″W / 35.58444°N 80.82028°W (35.584337, −80.820139). Interstate 77 passes through the western side of the town, with access from Exits 31 through 36. I-77 leads south to the South Carolina border and north to the Virginia line. Statesville, just to the north, is the county seat. Lake Norman, on the Catawba River, is 3 to 8 miles (5 to 13 km) west of the town center. Mooresville is located 27 miles (43 km) north of Charlotte and 16 miles (26 km) south of Statesville.
According to the United States Census Bureau, Mooresville has a total area of 21.0 square miles (54.3 km), of which 20.9 square miles (54.2 km2) are land and 0.04 square miles (0.1 km), or 0.24%, are water.
The area that would develop into the town of Mooresville was originally settled by English, German, and Scots-Irish families who moved into the area from nearby Rowan County, as well as from Virginia, Pennsylvania, and elsewhere. Many were seeking new lands on which to establish farms. Many of the early families such as the Wilsons, Davidsons, Cowans, Sherrills, Torrances, and others came to the area as early as the mid-1700s. They formed small communities that eventually grew into the community known as “Deep Well”, which took its name from a large natural well that was found in the area.
Many of these families established large farms, primarily of cotton, which grew into small plantations by the 1850s. Major Rufus Reid was the most prominent planter in the area, enslaving 81 African Americans on over 2,000 acres (810 ha) of land. His property was known as Mount Mourne Plantation, named after the Mourne Mountains of County Down in Northern Ireland. Several other historic plantation homes are set in the area as well, including the Johnson-Neel House, the Cornelius House, Forest Dell Plantation, and the colonial era Belmont Plantation.
In 1856, a railroad was placed on a ridge that crossed the land of a local farmer by the name of John Franklin Moore. A small-scale planter, Moore set up a depot on his land, and encouraged others to help establish a small village on the location in the late 1850s. The little village, known as “Moore’s Siding”, was born. The Civil War hampered developments, with the railroad tracks being removed to aid the Confederate efforts in Virginia. After the war, the tracks were returned, and Moore’s Siding slowly began to prosper.
Shortly after the Civil War, John Franklin Moore saw the need for the village to incorporate into a town. The town was incorporated as Mooresville in 1873. Moore helped to establish the first brick factory in Mooresville, and built some of the first brick buildings on Main Street. He died in 1877, and his wife, Rachel Summrow Moore, continued the development of the town.
In 1883 the railroad lines were run back through the town with the addition of a new depot. The railroad brought growth to the town, which continued with the addition of the first water plant in the early 1890s, the establishment of a library in 1899, a phone company in 1893 and the first of many textile mills in 1900.
In 1938, artist Alicia Weincek painted the mural North Carolina Cotton Industry in the town’s post office, having won a WPA competition for the commissioned work.
The Mooresville Moors were a minor league baseball team who played in the Class D North Carolina State League from 1937 to 1942. The league ceased operations for two seasons due to World War II but was reorganized in 1945.
Selma Burke, a prominent sculptor during the Harlem Renaissance who was born and raised in Mooresville, created the bust of President Franklin D. Roosevelt for the Four Freedoms plaque on the Recorder of Deeds building in Washington, D.C. The bust would later be used for the image on the United States dime.
On December 11, 2014, Duke Energy, to repair a rusted, leaking pipe, received approval from North Carolina to dump coal ash (containing arsenic, lead, thallium and mercury, among other heavy metals) from the Marshall Steam Station 10 miles (16 km) west of Mooresville into Lake Norman.
On October 3, 2015, Duke reported that a sinkhole had formed at the base of the Marshall Steam Station dam on Lake Norman. The Department of Environmental Quality (DEQ) says Duke placed a liner in the hole and filled it with crushed stone.
Mooresville is branded as “Race City USA”. The town is home to more than 60 NASCAR teams and racing-related businesses, as well as an IndyCar team. Mooresville features two automotive museums: the Memory Lane Motorsports and Historical Automotive Museum, and the North Carolina Auto Racing Hall of Fame. The Mooresville Convention & Visitors Bureau is the official resource for travelers.
As of the 2020 United States census, there were 50,193 people, 14,233 households, and 9,866 families residing in the town.
In the 2000 census, there were 18,823 people, 7,139 households, and 5,082 families residing in the town. The population density was 1,281.6 inhabitants per square mile (494.8/km2). There were 7,741 housing units at an average density of 527.1 per square mile (203.5/km). The racial makeup of the town was 81.54% White, 14.23% African American, 0.36% Native American, 1.66% Asian, 0.02% Pacific Islander, 1.14% from other races, and 1.06% from two or more races. Hispanic or Latino of any race were 2.55% of the population.
There were 7,139 households, out of which 39.1% had children under the age of 18 living with them, 54.9% were married couples living together, 12.7% had a female householder with no husband present, and 28.8% were non-families. 24.0% of all households were made up of individuals, and 8.1% had someone living alone who was 65 years of age or older. The average household size was 2.58 and the average family size was 3.09.
In the town, the population was spread out, with 28.7% under the age of 18, 7.3% from 18 to 24, 34.3% from 25 to 44, 18.4% from 45 to 64, and 11.2% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 93.4 males. For every 100 females age 18 and over, there were 88.8 males.
The median income for a household in the town was $42,943, and the median income for a family was $51,011. Males had a median income of $39,524 versus $24,939 for females. The per capita income for the town was $20,549. About 5.6% of families and 7.2% of the population were below the poverty line, including 7.5% of those under age 18 and 12.3% of those age 65 or over.
The town of Mooresville is run in a Commission-Manager style of municipal government with the Town Manager being Randy Hemann. The Mooresville Board of Commissioners is presided by Mayor Miles Atkins and can be presided over by Mayor Pro Tempore and Ward 4 Commissioner Lisa Qualls in the event of Atkins’ absence.
The following highways pass through or around Mooresville:
Exit 36 from Interstate 77 provides access to NC 150 and downtown Mooresville. Exits 33 and 42 from Interstate 77 provide access to US 21, while Exit 42 also connects with NC 115. Exits 31 (Langtree Road) and 35 (Brawley School Road) also connect I-77 with Mooresville.
The I-77 Express Lanes begin at Exit 36, and continue south through the Mecklenburg County towns of Davidson, Cornelius and Huntersville before terminating in Uptown Charlotte.
Lake Norman Airpark is located on the edge of Lake Norman and is 5 miles (8.0 km) northwest of downtown Mooresville, offering a 3,100-foot (940 m) runway. A thriving “fly-in community”, Lake Norman Airpark is home to almost 50 lots. Tie-downs and fuel are available. The airport is owned by the surrounding Lake Norman Airpark Owners Association.
Mooresville is primarily served by the Mooresville Graded School District, but is also partly in the Iredell-Statesville school system. A proposal in the 2007 North Carolina state budget could have possibly consolidated the two systems. It states that only one school system in a county would be funded. It was stalled in committee though and failed passage. Previous attempts to consolidate have been defeated.
By 2010, every student in the fourth through twelfth grades in the Mooresville Graded School District had a MacBook laptop. Mooresville recently built a new intermediate school and elementary school, then moved the middle school to Mooresville Intermediate School, and is using the old middle school as an extended campus of the Mooresville High School, known as the Magnolia Street Campus.
In 2010, Mooresville Graded School District dedicated and renamed the high school’s football stadium after Coach Joe Popp. Coach Popp and the 1961 Mooresville Blue Devils won the NC State High School Football Championship and remain the only team from Mooresville to have that honor. Coach Popp is also a member of the Catawba College Sports Hall of Fame. Coach Popp Stadium is located behind the Magnolia Street Campus of Mooresville High School.
Mooresville is the location of a campus of Mitchell Community College, whose main campus is in Statesville, the county seat of Iredell County.
In addition to a number of historic sites including Mount Mourne Plantation, Johnson-Neel House, Cornelius House, and Espy Watts Brawley House, Mooresville is home to the following historic districts listed on the National Register of Historic Places:
Mooresville has one sister city, as designated by Sister Cities International:
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.
