Owner Operators Truck Insurance Near Me Murfreesboro, Tennessee
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Murfreesboro, 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 Murfreesboro, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Murfreesboro, 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.
Murfreesboro is a city in, and county seat of, Rutherford County, Tennessee, United States. The population was 152,769 according to the 2020 census, up from 108,755 residents certified in 2010. Murfreesboro is located in the Nashville metropolitan area of Middle Tennessee, 34 miles (55 km) southeast of downtown Nashville.
Serving as the state capital from 1818 to 1826, it was superseded by Nashville. Today, it is the largest suburb of Nashville and the sixth-largest city in Tennessee. The city is both the center of population and the geographic center of Tennessee.
Since the 1990s, Murfreesboro has been Tennessee’s fastest-growing major city and one of the fastest-growing cities in the country. Murfreesboro is home to Middle Tennessee State University, the largest undergraduate university in the state of Tennessee, with 22,729 total students as of fall 2014.
On October 27, 1811, the Tennessee General Assembly designated the location for a new county seat for Rutherford County, giving it the name Cannonsburgh in honor of Newton Cannon, representative to the Assembly for the local area. At the suggestion of William Lytle, it was renamed Murfreesborough on November 29, 1811, after Revolutionary War hero Colonel Hardy Murfree. The name was shortened to Murfreesboro in January 1812 when the town was formally chartered. Author Mary Noailles Murfree was his great-granddaughter.
As Tennessee settlement expanded to the west, the location of the state capital in Knoxville became inconvenient for much of the population. In 1818, Murfreesboro was designated as the capital of Tennessee and its population boomed. Eight years later, however, it was superseded by Nashville.
On December 31, 1862, the Battle of Stones River, also called the Battle of Murfreesboro, was fought near the city between the Union Army of the Cumberland and the Confederate Army of Tennessee. This was a major engagement of the American Civil War, and between December 31 and January 2, 1863, the rival armies suffered a combined total of 23,515 casualties. It was the bloodiest battle of the war by percentage of casualties.
Following the Confederate retreat after the drawn Battle of Perryville in central Kentucky, the Confederate army moved through East Tennessee and turned northwest to defend Murfreesboro. General Braxton Bragg’s veteran cavalry successfully harassed Union General William Rosecrans‘ troop movements, capturing and destroying many of his supply trains. However, they could not completely prevent supplies and reinforcements from reaching Rosecrans. Despite the large number of casualties, the battle was inconclusive. It is usually considered a Union victory, since afterward General Bragg retreated 36 miles (58 km) south to Tullahoma. Even so, the Union army did not move against Bragg until six months later, in June 1863. The battle was significant since the Union gained a base from which it could push its eventual drive further south, which enabled its later advances against Chattanooga and Atlanta. The Union eventually divided the territory into the Eastern and Western theaters, followed by Sherman’s March to the Sea through the South. The Stones River National Battlefield is now a national historical site.
General Rosecrans’ move to the south depended on a secure source of provisions, and Murfreesboro was chosen for his supply depot. Soon after the battle, Brigadier General James St. Clair Morton, Chief Engineer of the Army of the Cumberland, was ordered to build Fortress Rosecrans, some 2 miles (3.2 km) northwest of the town. The fortifications covered about 225 acres (0.91 km) and were the largest built during the war. Fortress Rosecrans consisted of eight lunettes, four redoubts, and connecting fortifications. The fortress was built around the Nashville and Chattanooga Railroad and the West Fork of the Stones River; two roads provided additional access and transportation.
The fort’s interior was a huge logistical resource center, including sawmills, warehouses, quartermaster maintenance depots, ammunition magazines, and living quarters for the 2,000 men who handled the operations and defended the post. After the fortress was completed in June 1863, Rosecrans ventured to the south. The fortress was never attacked, in part because the Union troops held the town of Murfreesboro hostage by training their artillery on the courthouse. Major portions of the earthworks still exist and have been incorporated into the battlefield historic site.
Murfreesboro was first developed as a mainly agricultural community, but by 1853 the area was home to several colleges and academies, gaining the nickname the “Athens of Tennessee”. Despite the wartime trauma, the town’s growth had begun to recover by the early 1900s, in contrast to other areas of the devastated South.
In 1911, the state legislature created Middle Tennessee State Normal School, a two-year institute to train teachers. It soon merged with the Tennessee College for Women. In 1925 the Normal School was expanded to a full, four-year curriculum and college. With additional expansion of programs and addition of graduate departments, in 1965 it became Middle Tennessee State University. MTSU now has the largest undergraduate enrollment in the state, including many international students.
World War II was an impetus for industrial development, and Murfreesboro diversified into industry, manufacturing, and education. Growth has been steady since that time, creating a stable economy.
Since the last decade of the 20th century, Murfreesboro has enjoyed substantial residential and commercial growth, with its population increasing 123.9% between 1990 and 2010, from 44,922 to 108,755. The city has been a destination for many refugee immigrants who have left areas affected by warfare; since 1990 numerous people from Somalia and Kurds from Iraq have settled there.[citation needed] The city has also attracted numerous international students to the university.
Murfreesboro is located at 35°50′46″N 86°23′31″W / 35.846143°N 86.392078°W.
According to the United States Census Bureau, the city has a total area of 39.2 square miles (102 km). 39.0 square miles (101 km2) of it is land and 0.2 square miles (0.52 km) of it (0.54%) is water. However, as of 2013 the city reports its total area as 55.94 square miles (144.9 km2).: 24
Murfreesboro is the geographic center of the state of Tennessee. A stone monument marks the official site on Old Lascassas Pike, about 0.5 miles (0.8 km) north of MTSU.
The West Fork of the Stones River flows through Murfreesboro. A walking trail, the Greenway, parallels the river for several miles. A smaller waterway, Lytle Creek, flows through downtown including historic Cannonsburgh Village. Parts of the 19-mile (31 km) long creek suffer from pollution due to the urban environment and its use as a storm-water runoff.
Murfreesboro is home to a number of natural and man-made lakes plus several small wetlands including Todd’s Lake and the Murfree Spring wetland area.
Murfreesboro has been in the path of destructive tornados several times. On April 10, 2009, a low-end EF4 tornado with estimated windspeeds up to 170 miles per hour struck the fringes of Murfreesboro. As a result, two people were killed and 41 others injured. 117 homes were totally destroyed, and 292 had major damage. The tornado is estimated to have caused over $40 million in damage.
Being in the Sun Belt, Murfreesboro’s climate is humid subtropical (Cfa) under the Köppen system, with mild winters and hot, humid summers. Under the Trewartha system, it is an oceanic (Do) climate due to five months of winter chill (monthly means below 10 °C (50 °F)); however, Murfreesboro is close to being humid subtropical (Cf) even under Trewartha (March falls 0.9 °F (0.5 °C) short of the threshold), supported by the fact that subtropical plants like Southern magnolia trees and the occasional dwarf palmetto and needle palm shrubs can thrive long-term there but struggle much further north. The hardiness zone is 7. Temperatures range from a record low of -19 °F (-28 °C) on January 26, 1940 to a record high of 109 °F (43 °C) on August 16, 1954. Precipitation is abundant year-round without any major difference, but there is still slight variation. The wet season runs from February through July, reaching its zenith in June with 144 mm of rain. The dry season runs from August through January with a September nadir of 88 mm and secondary December peak of 141 mm.
As of the 2020 United States census, there were 152,769 people, 52,530 households, and 31,732 families residing in the city.
As of the 2010 census, there were 108,755 people living in the city. The racial makeup of the city was 75.62% White, 15.18% Black / African American, 0.35% Native American, 3.36% Asian, 0.04% Pacific Islander, 2.79% from other races, and 2.65% from two or more races. Hispanic or Latino of any race were 5.93% of the population.
In the 2000 Census, There were 26,511 households, out of which 30.7% had children under the age of 18 living with them, 43.8% were married couples living together, 11.9% had a female householder with no husband present, and 40.6% were non-families. 28.3% of all households were made up of individuals, and 7.0% had someone living alone who was 65 years of age or older. The average household size was 2.42 and the average family size was 3.02.
In the city, the population was spread out, with 22.7% under the age of 18, 20.5% from 18 to 24, 30.8% from 25 to 44, 17.3% from 45 to 64, and 8.8% who were 65 years of age or older. The median age was 29 years. For every 100 females, there were 98.7 males. For every 100 females age 18 and over, there were 97.2 males.
The median income for a household in the city was $39,705, and the median income for a family was $52,654. Males had a median income of $36,078 versus $26,531 for females. The per capita income for the city was $20,219. About 8.2% of families and 14.1% of the population were below the poverty line, including 12.0% of those under the age of 18 and 11.1% of those 65 and older.
Special census estimates in 2005 indicated 81,393 residents, and in 2006 the U.S. Census Bureau’s American Community Survey estimated a population of 92,559, with 35,842 households and 20,979 families in the city. Murfreesboro’s 2008 special census reported that the population had reached 100,575, while preliminary information from the 2010 U.S. Census indicates a population of 108,755. In October 2017, the City of Murfreesboro started another special census. Given the continuous growth in the general area, the population is expected to exceed the 2016 estimate of 131,947. According to Money.com in 2018, 136,000 people called Murfreesboro home and it would see a nearly 10% expansion of jobs in the coming years.
According to Murfreesboro’s 2018 Comprehensive Annual Financial Report, the top employers in Rutherford County are:
Murfreesboro hosts several music-oriented events annually, such as the Main Street Jazzfest presented by MTSU’s School of Music and the Main Street Association each May. For over 30 years, Uncle Dave Macon Days has celebrated the musical tradition of Uncle Dave Macon. This annual July event includes national competitions for old-time music and dancing.
Murfreesboro also hosts an annual DIY not-for-profit music festival called Boro Fondo, which is also a bike tour and local artist feature.
The Murfreesboro Center for the Arts, close to the Square, entertains with a variety of exhibits, theatre arts, concerts, dances, and magic shows. Murfreesboro Little Theatre has provided the community with popular and alternative forms of theatre arts since 1962.
Murfreesboro’s International FolkFest began in 1982 and is held annually during the second week in June. Groups from countries spanning the globe participate in the festival, performing traditional songs and dances while attired in regional apparel.
The Discovery Center at Murfree Spring is a nature center and interactive museum focusing on children and families. The facility includes 20 acres (8 ha) of wetlands with a variety of animals.
Bradley Academy Museum contains collectibles and exhibits of the first school in Rutherford County. This school was later renovated to become the only African American school in Murfreesboro, which closed in 1955.
The Stones River National Battlefield is a national park which memorializes the Battle of Stones River, which took place during the American Civil War during December 31, 1862, to January 3, 1863. The grounds include a museum, a national cemetery, monuments, and the remains of a large earthen fortification called Fortress Rosecrans.
Oaklands Historic House Museum is a 19th-century mansion which became involved in the Civil War. It was occupied as a residence until the 1950s, after which it was purchased by the City of Murfreesboro and renovated into a museum by the Oaklands Association.
Earth Experience: The Middle Tennessee Museum of Natural History is the only natural history museum in Middle Tennessee. The museum opened in September 2014 and features more than 2,000 items on display, including a complete replica Tyrannosaurus rex skeleton.
There are two main malls located within the city limits. Stones River Mall is a traditional enclosed mall, featuring stores and restaurants such as Forever 21, Aéropostale, Journey’s, Hot Topic, Agaci, Dillard’s, Buckle, Books-A-Million, Olive Garden, and Miller’s Ale House.
The Avenue Murfreesboro is an outdoor lifestyle center with such shops as American Eagle, Hollister, Best Buy, Belk, Petco, Dick’s Sporting Goods, Express, Mimi’s Cafe, Romano’s Macaroni Grill, and LongHorn Steakhouse.
The Historic Downtown Murfreesboro district also offers a wide variety of shopping and dining experiences that encircle the pre-Civil War Courthouse.
Murfreesboro is the home of a Consolidated Mail Outpatient Pharmacy (CMOP). It is part of an initiative by the Department of Veterans Affairs to provide mail order prescriptions to veterans using computerization at strategic locations throughout the United States. It is located on the campus of the Alvin C. York Veterans Hospital.
The City Center building (also known as the Swanson Building) is the tallest building in Murfreesboro. Located in the downtown area it was built by Joseph Swanson in 1989. It has 15 floors, including a large penthouse, and stands 211 feet (64 m) tall. As a commercial building its tenants include Bank of America and is the headquarters for the National Healthcare Corporation (NHC).
Cannonsburgh Village is a reproduction of what a working pioneer village would have looked like from the period of the 1830s to the 1930s. Visitors can view the grist mill, school house, doctor’s office, Leeman House, Caboose, Wedding Chapel, and other points of interest. It is also home to the World’s Largest Cedar Bucket.
Old Fort Park is a 50-acre (200,000 m) park which includes baseball fields, tennis courts, children’s playground, an 18-hole championship golf course, picnic shelters and bike trail.
Barfield Crescent Park is a 430-acre (1,700,000 m) facility with eight baseball fields, 7 miles (11 km) of biking/running trails, an 18-hole championship disc golf course, and ten picnic shelters.
Murfreesboro Greenway System is a system of greenways with 12 miles (19 km) of paved paths and 11 trail heads. In 2013, the city council approved a controversial 25-year “master plan” to extend the system by adding 173 miles worth of new greenways, bikeways and blueways at an estimated cost of $104.8 million.
The city council has six members, all elected at-large for four-year terms, on staggered schedules with elections every two years. The mayor is also elected at large. City council members have responsibilities for various city departments.
Elementary education within the city is overseen by Murfreesboro City Schools (MCS). MCS focuses on prekindergarten through sixth grade learning. The city has 12 schools serving 8,800 students between grades pre-K through 6th.
Secondary schools are overseen by Rutherford County Schools, which has 50 schools and a student population of over 49,000.
The Japanese Supplementary School in Middle Tennessee (JSMT, 中部テネシー日本語補習校 Chūbu Teneshī Nihongo Hoshūkō), a weekend Japanese education program, holds its classes in Peck Hall at Middle Tennessee State University, while its school offices are in Jefferson Square.
Murfreesboro is serviced by the following media outlets:
Newspapers:
Radio:
TV:
Murfreesboro is served by Nashville International Airport (IATA code BNA), Smyrna Airport (MQY) and Murfreesboro Municipal Airport (MBT). The city also benefits from several highways running through the city, including Interstates 24 and 840; U.S. Routes 41, 70S, and 231; and State Routes 1, 2, 10, 96, 99, and 268.
Industry also has access to north–south rail service with the rail line from Nashville to Chattanooga. Into the latter 1940s the Nashville, Chattanooga & St. Louis Railway’s #3/#4 (Memphis – Nashville – Atlanta) served Murfreesboro. By 1950 that train’s route was shortened to Nashville – Atlanta. Until 1965 the Louisville & Nashville’s Dixie Flyer (Chicago – Florida) made a stop in the town on its route. Likewise, the #3/#2 (renumbered from #3/4) continued to that period as an overnight train between Nashville and Atlanta, also making a stop in town.
In April 2007 the City of Murfreesboro established a public transportation system with nine small buses, each capable of holding sixteen people and including two spaces for wheelchairs. The system is called Rover; the buses are bright green with Rover and a cartoon dog painted on the side. As of 2019, buses operate in six major corridors: Memorial Boulevard, Gateway, Old Fort Parkway, South Church Street, Highland Avenue and Mercury Boulevard.
A one-way fare is US$1.00 for adults, US$0.50 for children 6–16 and seniors 65 and over, and free for children under 6. The system operates Monday to Friday, 6:00 a.m. to 6:00 p.m.
Beginning in 2010, the Islamic Center of Murfreesboro faced protests related to its plan to build a new 12,000-square-foot (1,100 m) mosque. The county planning council had approved the project, but opposition grew in the aftermath, affected by this being a year of elections. Signs on the building site were vandalized, with the first saying “not welcome” sprayed across it and the second being cut in two. Construction equipment was also torched by arsonists.
In August 2011, a Rutherford County judge upheld his previous decision allowing the mosque to be built, noting the US constitutional right to religious freedom and the ICM’s observance of needed process. The center has a permanent membership of around 250 families and a few hundred students from the university. The case ultimately attracted national media attention as an issue of religious freedom.
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.