Owner Operators Truck Insurance Near Me Smyrna, Tennessee
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Smyrna, 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 Smyrna, Tennessee with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Smyrna, 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.
Smyrna is a town in Rutherford County, Tennessee. Smyrna’s population was 53,070 at the 2020 census, making it the largest town in Tennessee by population in that census. In 2007, U.S. News & World Report listed Smyrna as one of the best places in the United States to retire. Smyrna is part of the Nashville metropolitan statistical area.
The town of Smyrna has its European American roots in the early 19th century and began as an agrarian community. It was important during the Civil War because its railroad station lies between Nashville and Chattanooga. One of the major events of the war for the town involved the Confederate States soldier Sam Davis, who, after being charged with spying, gave up his life instead of giving any information to the Union Army. He was captured November 20, 1863, and was hanged by Union forces on November 27 of that year. The Sam Davis Plantation, located on 160 acres (0.65 km) of well-maintained farmland, is the town’s most important historical site.
Smyrna was originally incorporated in 1869 but its charter was rescinded by the state several years later. In 1915, the town re-incorporated and adopted a commission-mayor form of government.
In 1941 during World War II, Sewart Air Force Base was established here and served as a B-17 Flying Fortress and B-24 advanced training facility. During the 1950s and 1960s, the military personnel and dependents totaled more than 10,000 persons stationed at the base. The base was scheduled for closing in 1971. Most of the property was divided among the State of Tennessee, Rutherford County, and the Metropolitan Nashville Airport Authority. On its portion, the state opened and operates a Tennessee Army National Guard base and the Tennessee Rehabilitation Center. Much of the additional land was developed as the Smyrna/Rutherford County Airport Authority in 1990.
During the 1970s, many new industries moved to the area. The city began a period of growth stimulated by production of such companies as Better Built Aluminum, Cumberland Swan (currently known as Vi-Jon, Inc.), and Square D building plants. In the early 1980s, Nissan Motors constructed a manufacturing plant in the city, and in 1983, the first vehicle was produced. The Nissan plant now employs around 8,400 workers, has a production capacity of 640,000 vehicles annually, and covers an area of 5,200,000 sq ft (480,000 m). In 2012, Smyrna began manufacturing Nissan’s electric car, the Nissan Leaf, and its batteries.
On March 14, 2000, the mayor and board of commissioners adopted a new charter. The city now operates under the city manager form of government, whereby the commissioners hire a city manager for daily operations.
On June 2, 2016 Blue Angels #6 crashed in Smyrna when practicing for the Great Tennessee Air show, killing pilot Capt. Jeff Kuss, USMC. The people of Smyrna raised funds to have a memorial built in his honor. The Capt. Jeff Kuss USMC Memorial sits across from the Smyrna Airport, where Capt. Kuss departed on his tragic final flight, and the centerpiece is a retired F/A-18 Hornet loaned to Smyrna from the United States Navy, painted in the colors of the Blue Angels performance squadron with Capt. Kuss’ name under the cockpit hatch and the number 6 on the tails to represent which plane he flew on his final flight.
According to the United States Census Bureau, the town has a total area of 23.0 square miles (60 km), of which 22.8 square miles (59 km) is land and 0.1 square miles (0.26 km) (0.61%) is water.
Portions of the Percy Priest Lake reservoir lies within the town limits. The two main waterways are Stones River and Stewarts Creek.
As of the 2020 United States census, there were 53,070 people, 18,059 households, and 12,282 families residing in the town.
As of the census of 2010, there were 39,974 people, 14,807 households, and 10,509 families living in the city. The population density was 1,753.25 persons per square mile, and the housing unit density was 649.43 units per square mile. The racial makeup of the city was 75.00% White, 11.21% Black or African American, 4.35% Asian, 0.59% Native American, 0.08% Pacific Islander, 6.02% from other races, and 2.75% from two or more races. Those of Hispanic or Latino origins constituted 10.72% of the population.
Of the 14,807 households, 37.23% had children under the age of 18 living in them, 50.46% were married couples living together, 5.54% had a male householder with no wife present, 14.98% had a female householder with no husband present, and 29.03% were non-families. 23.03% of all households were made up of individuals, and 5.94% had someone living alone who was 65 years of age or older. The average household size was 2.68 and the average family size was 3.15.
Of the 39,974 people living in the city, 27.89% were under the age of 18, 63.50% were between the ages of 18 and 64, and 8.60% were 65 years of age or older. The median age was 33.0 years. 51.32% of all persons were female and 48.68% were male.
The median household income in the city was $51,505, and the median family income was $61,286. Males had a median income of $43,633 versus $37,029 for females. The per capita income for the city was $24,448. About 9.4% of families and 12.2% of the population were below the poverty line, including 18.3% of those under the age of 18 and 7.4% of those age 65 and over.
As of the census of 2000, there were 25,569 people, 9,608 households, and 7,061 families living in the town. The population density was 1,119.8 inhabitants per square mile (432.4/km). There were 10,016 housing units at an average density of 438.6 per square mile (169.3/km). The racial makeup of the town was 87.23% White, 7.82% African American, 0.29% Native American, 1.21% Asian, 0.08% Pacific Islander, 1.81% from other races, and 1.56% from two or more races. Hispanic or Latino of any race were 4.31% of the population.
There were 9,608 households, out of which 39.8% had children under the age of 18 living with them, 55.0% were married couples living together, 14.2% had a female householder with no husband present, and 26.5% were non-families. 21.1% of all households were made up of individuals, and 4.3% had someone living alone who was 65 years of age or older. The average household size was 2.62 and the average family size was 3.04.
In the town, the population was spread out, with 27.6% under the age of 18, 10.5% from 18 to 24, 35.1% from 25 to 44, 19.9% from 45 to 64, and 6.8% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 95.9 males. For every 100 females age 18 and over, there were 92.9 males.
The median income for a household in the town was $44,405, and the median income for a family was $51,550. Males had a median income of $37,130 versus $27,325 for females. The per capita income for the town was $19,704. About 6.7% of families and 8.8% of the population were below the poverty line, including 11.4% of those under age 18 and 8.2% of those age 65 or over.
The Nissan Smyrna Assembly Plant is the largest automotive assembly plant in the US, making 640,000 cars per year. It began in 1983, and has made more than 10 million cars since then. Manufacturing of batteries for the Leaf began at the site in 2012. Nissan’s goal is that the plant in Smyrna will eventually produce 150,000 electric cars, and 200,000 electric car batteries per year. In addition to serving as the U.S. production site for the Leaf, the plant assembles five other models.
The top employers in the city are:
Prior to their dissolution, RegionsAir (formerly Corporate Airlines) and Capitol Air were headquartered in Smyrna.
Smyrna has 10 parks, a public golf course, 7 miles of greenway trails and an outdoor water park.
Smyrna is served by the Rutherford County Schools school district.
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.
