Owner Operators Truck Insurance Near Me Mount Juliet, Tennessee
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Mount Juliet, Tennessee. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Mount Juliet, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mount Juliet, Tennessee in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Mt. Juliet (also referred to as Mount Juliet) is a city located in western Wilson County, Tennessee. A suburb of Nashville, it is approximately 17 miles (27 km) east of downtown Nashville. Mt. Juliet is located mostly between two major national east-west routes, Interstate 40 and U.S. Route 70. As of the 2020 United States census, Mount Juliet has a population of approximately 39,289 people. Mt. Juliet is the largest city in Wilson County. The official city charter has the name listed as Mt. Juliet; however, the United States Postal Service lists its name as Mount Juliet.
Mt. Juliet was formed in 1835 and incorporated as a city in 1972. The most widely accepted theory regarding the naming of the town is that it is named for the Mount Juliet Estate, a manor house in County Kilkenny, Ireland. It is the only U.S. city with this name.
In the early morning hours of March 3, 2020, Mt. Juliet was struck by an EF3 tornado that destroyed hundreds of homes, along with West Wilson Middle School and Stoner Creek Elementary. Five people were killed by the tornado, three of which were in Mt. Juliet.
Mt. Juliet is located at 36°12’10” North, 86°30’49” West (36.202654, -86.513583).
According to the United States Census Bureau, the city has a total area of 16.6 square miles (43 km), of which 16.2 square miles (42 km) is land and 0.3 square miles (0.78 km) is water. The total area is 1.99% water. Recent annexations along the east side of South Rutland Road as well as a land swap with the City of Lebanon for the Bel Air at Beckwith project (southeast quadrant of I-40/Beckwith Road interchange) have increased the city’s geographical area to approximately 21.78 square miles (56.4 km).
Mt. Juliet is located between Old Hickory Lake to its north and Percy Priest Lake to its south, both of which are man-made reservoirs.
Mt. Juliet has claimed to be the “fastest-growing city in Tennessee,” and it does qualify for this distinction considering growth from 2000 to 2015 for Tennessee cities with a population over 10,000. In recent years, Thompsons Station in Williamson County and Spring Hill in Williamson County have grown by a larger percentage.
As of the 2020 United States census, there were 39,289 people, 11,969 households, and 9,412 families residing in the city.
As of the census of 2010, there were 23,671 people, 8,562 households, and 6,674 families residing in the city. The population density was 958.34 persons per square mile, and the housing unit density was 346.64 units per square mile. The racial makeup of the city was 86.92% White, 6.70% Black or African American, 2.47% Asian, 0.44% Native American, 0.05% Pacific Islander, 1.42% from other races, and 2.00% from two or more races. Those of Hispanic or Latino origins were 3.32% of the population.
Of the 8,562 households, 41.35% had children under the age of 18 living in them, 62.14% were married couples living together, 4.04% had a male householder with no wife present, 11.77% had a female householder with no husband present, and 22.05% were non-families. 17.96% of all households were made up of individuals, and 5.49% had someone living alone who was 65 years of age or older. The average household size was 2.75 and the average family size was 3.13.
In the city, the population was spread out, with 28.68% under the age of 18, 62.57% ages 18 to 64, and 8.75% ages 65 and over. The median age was 35.7 years. 52.00% of the population was female and 48.00% was male.
The median household income was $70,102, and the median family income was $76,585. Males had a median income of $52,841, versus $41,179 for females. The per capita income was $28,699. About 4.6% of families and 5.4% of the population were below the poverty line, including 6.6% of those under the age of 18 and 3.8% of those age 65 and over.
As of the census of 2000, there were 12,366 people, 4,341 households, and 3,576 families residing in the city. The population density was 761.2 inhabitants per square mile (293.9/km). There were 4,673 housing units at an average density of 287.6 per square mile (111.0/km). The racial makeup of the city was 93.86% Caucasian, 3.93% African American, 0.39% Native American, 0.52% Asian, 0.01% Pacific Islander, 0.29% from other races, and 1.00% from two or more races. 1.17% of the population were Hispanic or Latino of any race.
There were 4,341 households, out of which 46.0% had children under the age of 18 living with them, 67.3% were married couples living together, 11.2% had a female householder with no husband present, and 17.6% were non-families. 13.8 percent of all households were made up of individuals, and 3.3% had someone living alone who was 65 years of age or older. The average household size was 2.82 and the average family size was 3.12.
In the city, the population was spread out, with 30.5% under the age of 18, 6.5% from 18 to 24, 35.3% from 25 to 44, 21.4% from 45 to 64, and 6.3% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 95.4 males. For every 100 females age 18 and over, there were 93.4 males.
In 2017, the median income household income was $80,130. The medium value of owner-occupied housing units is $238,700 and 7% of the population and 1.7% of families were below the poverty line. 3.2% of those under the age of 18 and 4.0% of those 65 and older were living below the poverty line. Wilson County is the 2nd wealthiest county in Tennessee.
Mt. Juliet operates on a “city manager-commission” system. It has five elected leaders: four commissioners elected by district and a mayor elected at-large. The mayor serves as chairperson of the city commission. All five officials serve four-year terms, and are officially part-time employees. The commission selects and appoints a city manager, who is employed full-time and runs the city’s business on a day-to-day basis.
Mt. Juliet currently serves as the anchor city for Tennessee House of Representatives District 57 (Rep. Susan Lynn-R)and Tennessee Senate District 17. As of 2019, Mt. Juliet is in Tennessee’s 6th congressional district.
Mt. Juliet’s public schools are operated by the Wilson County School District.
Elementary schools that serve Mt. Juliet include Mt. Juliet Elementary School, Elzie D. Patton Elementary School, W. A. Wright Elementary School, Lakeview Elementary School, and Rutland Elementary School (for sections south of Interstate 40). Middle schools that serve Mt. Juliet include Mt. Juliet Middle School, West Wilson Middle School, and Gladeville Middle School (for sections south of I-40). Most of Mt. Juliet is zoned to Mt. Juliet High School. The northwestern portion of the city is zoned to Green Hill High School, while areas south of I-40 are zoned to Wilson Central High School.
Mount Juliet Christian Academy is in Mount Juliet.
Interstate 40 and U.S. Route 70 (Lebanon Road) run east/west through Mt. Juliet, and State Route 171 (Mt Juliet Road) runs north-to-south connecting US-70 to I-40, before continuing toward Interstate 24 in the Antioch area. Interstate 40 has two exits in the city.
Mt. Juliet serves as a stop on the Music City Star commuter rail service from Nashville to Lebanon, operating over freight carrier Nashville and Eastern Railroad. The Music City star has stations in downtown Nashville, Donelson, Hermitage, Mt. Juliet, Martha (State Route 109), and Lebanon. The Music City Star also runs trains for Tennessee Titans games, New Year’s Eve, Wilson County Fair, other events downtown Nashville.
For commercial air traffic, Mt. Juliet contains Nashville International Airport, located 9 miles (14 km) west of the city via Interstate 40.
The City of Mt. Juliet operates a police department. The city has a career Fire Department (FDMJ) that provides primary Fire protection and EMS services to the city. FDMJ serves Mt. Juliet with 3 stations. One station on Belinda Parkway, another station located on Hill Street, and a third station near Green Hill High School on the north side of the town. In addition, Mt. Juliet has a police station near Charlie Daniels Park on the city’s northwest side. In December 2008, the Mt. Juliet Police Department Animal Control Division opened a shelter on Industrial Drive. An additional 57 acres was recently added to enhance Mt. Juliet’s park system, as well as an 8 acre tract of land dedicated to youth soccer.
Youth sports are operated by private non profit organizations. Baseball and softball are run by Mt. Juliet League, Inc. Football and cheerleading are run by Mt. Juliet Youth Sports Association and basketball is run by the West Wilson Basketball Association.
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.
