Owner Operators Truck Insurance Near Me Smyrna, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Smyrna, Georgia. 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 Smyrna, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Smyrna, Georgia 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.
Smyrna is a city in Cobb County, Georgia, United States. It is located northwest of Atlanta, and is in the inner ring of the Atlanta Metropolitan Area. It is included in the Atlanta–Sandy Springs–Alpharetta MSA, which is included in the Atlanta–Athens-Clarke–Sandy Springs CSA.
From 2000 to 2012, Smyrna grew by 28%. Historically it is one of the fastest-growing cities in the state, and one of the most densely populated cities in the metropolitan area. In the 2020 Census, Smyrna’s population was 55,663.
Smyrna was ranked #44 in Money‘s 2018 survey of “The Best Places to Live in America” for balancing economic growth, affordability, and quality of life.
Pioneers began settling the area in 1832. By the late 1830s, a religious encampment called Smyrna Camp Ground had become a popular travel destination and was well known throughout Georgia. It is a Greek name for the Biblical city of Smyrna, modern day Izmir in Turkey, the home of the Christian martyr Polycarp. After the completion of the Western and Atlantic Railroad in 1842, the area began to grow. It was known by several names until 1872—Varner’s Station, Ruff’s Siding, Neal Dow, and Ruff’s Station. The city was incorporated with the name Smyrna in 1872.
Two Civil War battles occurred in the area, the Battle of Smyrna Camp Ground and the Battle of Ruff’s Mill, both on July 4, 1864. The area’s businesses, homes, and 1849 covered bridge (since rebuilt and still in use today) were burned by Sherman’s troops.
The nearby Bell Bomber plant that produced B-29 bombers during World War II was reopened by Lockheed in 1951, and became a catalyst for growth. The city’s population grew during the next two decades, from 2,005 in 1950 to almost 20,000 by 1970.
Smyrna is part of the Atlanta metropolitan area, located about 1 mile (1.6 km) northwest of the Atlanta city limits, and with Smyrna’s downtown approximately 16 miles (25.7 km) from downtown Atlanta. Smyrna is located just west of the northern intersection of I-285 and I-75, which is the site of the edge city Cumberland and the Cobb Galleria.
Smyrna is bordered by Vinings to the east, Marietta to the north and west, and Mableton to the south and southwest. The city of Sandy Springs and the affluent Atlanta neighborhoods of Paces and Buckhead are approximately within 10 miles of Smyrna’s center.
The center of Smyrna is located at 33°52′19″N 84°31′06″W / 33.871854°N 84.518380°W.
According to the United States Census Bureau, the city has a total area of 15.4 square miles (39.9 km), of which 15.4 square miles (39.8 km) is land and 0.04 square miles (0.1 km), or 0.23%, is water. The general terrain of the area is characteristic of the Piedmont region of Georgia, characterized by hills with broad ridges, sloping uplands, and relatively narrow valleys.
The city’s official symbol is the jonquil (a flower). Known as the “Jonquil City”, it derives this name from the thousands of jonquils that flourish in gardens and along the streets in early spring.
As of the 2020 United States census, there were 55,663 people, 24,736 households, and 13,669 families residing in the city.
At the 2018 census, there were 56,271 people, with 35% growth since 2000. There were 23,002 households. The population density was 3,300 per square mile (1,300/km). The racial make-up of the city was 29.3% African American, 46% White, 0.4% Native American, 7.71% Asian, 0.10% Pacific Islander and 3.1% from two or more races. 14.9% of the population were Hispanic or Latino of any race.
The population was distributed by age as follows: 22.6% under the age of 18, 18.8% from 18 to 29, 20% from 30 to 39, 14.9% from 40 to 49, 14.2% from 50–64, and 9.5% who were 65 years of age or older. The median age was 33 years. For every 100 females, there were 92.2 males.
52.6% of Smyrna residents lived in families with an average of 2.2 people per household.
In 2012, 52.2% of Smyrna residents had a college degree and 91.3% of residents had a high school diploma. This is one of the highest rates in the state of Georgia.
The city is governed by a seven-member council, elected by wards, and a mayor elected at-large. Max Bacon served as the mayor of Smyrna starting in 1985; in July 2019 he announced his retirement from city politics. The current mayor is Derek Norton, who took office January 6, 2020. Norton previously served on the City Council since 2015.
The city operates the Smyrna Public Library, the only library in the county which is not a part of the Cobb County Public Library System.
The median household income in 2018 was $73,788. The per capita income was $44,823, a 24.7% increase from 2000.
In 2018, the place with the highest median household income in Smyrna was census tract 312.09, with a value of $143,443, followed by census tracts 311.12 and 311.17, with respective values of $108,229 and $89,769.
The Atlanta Bread Company has its headquarters in Smyrna.
Companies with an office include Eaton Corporation and IBM. Smyrna was the site of the corporate offices of the now-defunct World Championship Wrestling.
According to the City’s 2010 Comprehensive Annual Financial Report, the top employers in the city are:
On October 31, 2014, Emory Healthcare closed the Emory Adventist Hospital at Smyrna. They have since announced plans to renovate and reopen the hospital.
In 1991, the city began a community redevelopment project known as “Market Village,” in order to create a well-defined downtown. Included were a community center and 28,000-square-foot (2,600 m) public library. A mixed retail and residential district was modeled after an early 1900s city village, including a square with a fountain. This, and other expansions have revitalized the downtown area. Further redevelopment has occurred throughout the city—including thousands of new homes – mostly cluster homes, townhouse and condo communities replacing older neighborhoods. The population has risen as a result of redevelopment, a few annexations, and Smyrna’s location as a residential suburb in the Northwest center of metro Atlanta.
There are additional mixed retail/residential/office redevelopments near the city center, including Jonquil Plaza, Belmont Hills plaza, and The Crossings.
In September 2019, the James M. Cox Foundation gave $6 million to the PATH Foundation, which will connect the Silver Comet Trail terminus in Smyrna to the Atlanta Beltline. It is expected to be completed by 2022. The combined length of the Silver Comet and the Beltline will make it the longest paved trail surface in the U.S., totaling approximately 300 miles (480 kilometers); one could travel from Atlanta to Anniston, Alabama via the trail alone.
Smyrna and Vinings’ community newspaper is The Bright Side. It is dedicated to publishing positive events that occur in Cobb County.
Public schooling in Smyrna falls under the jurisdiction of the Cobb County School District. The city’s students are served by 12 of the district’s schools. The largest schools by enrollment are:
Several private schools are inside Smyrna’s city limits, including St. Benedict’s Episcopal School, Covenant Christian School, Whitefield Academy, and a satellite campus of Buckhead Preparatory Academy.
Market Village in the city center often has open-air concerts and festivals. There are also various small parks such as Cobb Park, public pools such as Aline Wolfe Center for the elderly and Tolleson park pool for all ages, tennis courts and playgrounds and a linear park with walking trail along Spring Road.
Several major roadways, such as I-285, Cobb Parkway (U.S. Route 41), Atlanta Road (Old State Route 3), and South Cobb Drive (State Route 280), pass through the municipality.
Smyrna is served by CobbLinc and MARTA public buses.
The restaurant scene in the film Joyful Noise was shot at Howard’s Restaurant in Smyrna in 2011.
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.
