Owner Operators Truck Insurance Near Me Wilson, North Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Wilson, 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 Wilson, North Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Wilson, 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.
Wilson is a city in and the county seat of Wilson County, North Carolina, United States. It is the 23rd most populous city in North Carolina. Located approximately 40 mi (64 km) east of the capital city of Raleigh, it is served by the interchange of Interstate 95 and U.S. Route 264. Wilson had an estimated population of 49,459 in 2019, according to the U.S. Census Bureau, and is also an anchor city of the Rocky Mount-Wilson-Roanoke Rapids CSA, with a total population of 297,726 as of 2018.
In the early 21st century, Wilson was ranked as 18th in size among North Carolina’s 500-plus municipalities. From 1990 to 2010, the city population increased by more than 40 percent, primarily due to construction of new subdivisions that attracted many new residents. This has been accompanied by new retail and shopping construction, primarily in the northwestern parts of the city. Wilson is a diverse community; in 2012, the US Census estimated that 48% of the population identified as African American, and 43% as Whites; the remaining 9% includes Latinos and Asians, such as Vietnamese, Chinese and Indians. The U.S. Census Bureau estimated in 2012 that nearly 5,000 county residents (7.5 percent) were foreign-born. Of those, nearly 3,000 people, or 62 percent, had entered the U.S. since 2000.
Once a center of tobacco cultivation, the city was widely known as “The World’s Greatest Tobacco Market” in the 19th century. In the 21st century, Wilson enjoys a diverse economy based on agriculture, manufacturing, commercial, and service businesses.
The history of the city of Wilson began with a community that formed around Toisnot Primitive Baptist Church, built in the early 1800s. The community was originally called Toisnot. In 1836, the Wilmington and Raleigh Railroad Co. began building a Wilmington-to-Weldon line. The railway reached the community in 1839, and by 1840 Toisnot had both north-and-south service. That stimulated growth of the community.
The North Carolina General Assembly chartered the Town of Wilson. It was named for state senator Colonel Louis D. Wilson, U.S. Volunteers. He died of fever while on leave from the State senate during the Mexican–American War of 1848. Messrs. Joshua Barnes, John W. Farmer, James D. Barnes, Dylan Dieterle, Jonathan D. Rountree, and Arthur Farmer were named as the first town commissioners.
The Gen. Joshua Barnes House, Branch Banking, Broad–Kenan Streets Historic District, Cherry Hotel, Davis-Whitehead-Harriss House, East Wilson Historic District, Old Wilson Historic District, Joseph John Pender House, Moses Rountree House, Upper Town Creek Rural Historic District, West Nash Street Historic District, Olzie Whitehead Williams House, Wilson Central Business-Tobacco Warehouse Historic District, Wilson County Courthouse, and Woodard Family Rural Historic District are listed on the National Register of Historic Places.
According to the United States Census Bureau, the city has a total area of 23.4 square miles (61 km), of which 23.3 square miles (60 km) is land and 0.2 square miles (0.52 km) (0.64%) is water.
Wilson is served by the intersection of Interstate 95 and US 264; and it is located approximately 45 minutes by car east of Raleigh, the state capital. It is the northern terminus of Interstate 795, which provides a route to Interstate 40 and the port city of Wilmington, North Carolina.
As of the 2020 United States census, there were 47,851 people, 19,667 households, and 11,529 families residing in the city.
As of the census of 2000, there were 44,405 people, 17,296 households, and 11,328 families residing in the city. The population density was 1,906.9 inhabitants per square mile (736.3/km). There were 18,660 housing units at an average density of 801.3 per square mile (309.4/km). The racial makeup of the city was 46.67% White, 47.53% African American, 0.31% Native American, 0.58% Asian, 0.02% Pacific Islander, 3.89% from other races, and 1.01% from two or more races. Hispanic or Latino of any race were 7.29% of Wilson’s population.
There were 17,296 households, out of which 31.6% had children under the age of 18 living with them, 42.0% were married couples living together, 19.3% had a female householder with no husband present, and 34.5% were non-families. 29.4% of all households were made up of individuals, and 10.9% had someone living alone who was 65 years of age or older. The average household size was 2.47 and the average family size was 3.06.
In the city, the population was spread out, with 26.0% under the age of 18, 9.8% from 18 to 24, 28.9% from 25 to 44, 21.8% from 45 to 64, and 13.5% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 88.0 males. For every 100 females age 18 and over, there were 83.1 males.
The median income for a household in the city was $31,169, and the median income for a family was $41,041. Males had a median income of $30,682 versus $22,363 for females. The per capita income for the city was $17,813. About 16.5% of families and 21.6% of the population were below the poverty line, including 29.5% of those under the age of 18 and 20.4% ages 65 or older.
United States census data from 2012 report a population of 49,610 people and 19,413 households in the city. The population density was 1,710 inhabitants per square mile. There were 21,870 housing units, and the percentage of homeownership was 49.5%. The racial makeup of the city was 47.9% African American, 42.9% White, 0.3% Native American, 1.2% Asian, 0.02% Pacific Islander, and 1.7% from two or more races. Hispanic or Latino of any race were 9.4% of the population. The percentage of homes where another language than English was the primary language was 10.4%.
The median income for a household in the city from 2008-2012 was $36,469. About 26% of the population were below the poverty line.
Wilson is the birthplace of Branch Banking and Trust Corporation, now Truist Financial. Now headquartered in Charlotte, North Carolina, Truist Financial is among Wilson County’s top employers, with around 2,000 people working in various financial services.
Bridgestone Americas operates a plant in Wilson that employs more than 1,800 people who make radial tires for cars and light trucks. Bridgestone recently completed a 6-year, $250 million renovation of the plant, which was retooled to make run-flat passenger car tires that are sold in both the US and Japan. It recently marked 1 million man-hours without a lost-time accident.
Other large employers include Wilson County Schools; Wilson Medical Center; Smithfield Packing Co., pork products; UTC Aerospace Systems (formerly Kidde Aerospace and Defense before UTC’s acquisition), aircraft fire protection systems; Sandoz, generic prescription drugs; Merck Manufacturing Division, pharmaceutical drugs; and Ardagh Group, glass containers.
According to the City’s 2011 Comprehensive Annual Financial Report, the top employers in the city are:
Wilson is home to the Wilson Tobs of the Coastal Plain League, a collegiate summer baseball league. The Tobs play at Fleming Stadium in Wilson. The Tobs began play for the league’s inaugural 1997 season. Wilson Speedway held 12 NASCAR Cup Series races between 1951 and 1960 as it was open at the county fairgrounds between 1934 and 1989.
Wilson is the home of the Vollis Simpson Whirligig Park, an Outsider Art installation. Simpson specialized in large kinetic sculptures called “whirligigs”, which Simpson made from salvaged metal. Simpson became nationally known after he was commissioned to create a whirligig for the American Visionary Art Museum in Baltimore. The 55-foot (17 m) high, 45-foot (14 m) wide whirligig called “Life, Liberty and the Pursuit of Happiness” was installed for the museum’s opening in November, 1995. Other of Simpson’s whirligigs have been exhibited at the American Folk Art Museum in New York City and at the Abby Aldrich Rockefeller Folk Art Museum in Williamsburg, Virginia. Whirligig Park opened in Wilson in late 2017.
Wilson has a City Council-City Manager form of government. The City Council includes seven members who are elected by single-member districts and a mayor who is elected at-large. All terms are four years. The City Council makes policy and budget decisions. It appoints a city manager and staff to implement its decisions and operate the city’s daily affairs.
Elected continuously since 1992, C. Bruce Rose was the longest-serving mayor in the city’s history. Prior to his election, he served as a city firefighter for 30 years and fire chief for seven years.
As of November 5, 2019, Carlton Stevens, JR. was elected as Mayor of Wilson, N.C. Mayor Stevens is a native of Wilson and is also co-owner of Stevens Funeral Home, alongside his Mother (Carol).
Youth Enrichment Program of Wilson, Inc. operates Sallie B. Howard School for the Arts and Education which is named after Sallie Baldwin Howard. Wilson Preparatory Academy also serves Wilson and surrounding counties as a charter school.
The Eastern North Carolina School for the Deaf is operated by the North Carolina Department of Health and Human Services Office of Education Services.
Wilson is home to several private schools:
Wilson’s chief source of print journalism is the Wilson Times, established in 1896. Broadcast network television stations (ABC, CBS, NBC, and FOX Affiliates), are based in Raleigh, North Carolina and include Wilson in their market.
The city has built its own Government-access television (GATV) municipal cable TV provider known as Greenlight, which provides cable TV, digital phone and internet to its residents. Greenlight was formed in 2008 to provide an independent, locally owned and operated option for television, telephone and Internet broadband connectivity for Wilson residents. Since then, Greenlight has grown to provide services to more than 6,000 residential customers and businesses and the Wilson County School System. In addition, Greenlight provides free wireless Internet access throughout the downtown Wilson area. In 2013 Wilson was the first city in North Carolina to offer gigabit Internet connectivity service to its residents via a fiber optic network. That service allows Internet users to upload or download data at speeds up to one billion bits per second.
Wilson is served by two airports: Wilson Industrial Airport and Rocky Mount-Wilson Airport (RWI), and by the Wilson Amtrak Station.
The following highways travel through Wilson: I-95, I-587, I-795, U.S. 301, U.S. Route 264, U.S. 117, N.C. 42, and N.C. 58. Five-lane roads include Hines Street, Tarboro Street, and Ward Boulevard.
RIDE is the City of Wilson’s on-demand micro-transit service. RIDE replaced the fixed route bus system on September 1, 2020. RIDE is a partnership between the City of Wilson and Via, a leader in micro-transit service. https://www.wilsonnc.org/residents/all-departments/public-works/wilson-transit-ride-wilson-industrial-air-center/ride
Wilson Medical Center is a 330-bed hospital.
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.
