Our agents are trained commercial truck insurance agents who know the trucking insurance markets. JDW specializes in helping trucking operations shop and compare quotes to help you find the most affordable insurance rates for your trucks with a policy that offers the coverages you want for your company. JDW can write insurance policies to cover your fleets, including owner operators and new venture truck insurance. From our fast and easy request form we start requesting quotes from our large network of commercial truck insurance carriers.
We work with high AM Best rated insurance carriers to help you make sure shippers will accept your COI and you do not miss loads.

We offer a wide range of commercial truck insurance options. In most cases one size does not fit all with trucking insurance. Understanding the changing transportation insurance markets is very important. Understanding the commercial truck insurance companies who offer the best commercial truck insurance rates look to partner with trucking operations who understand and have or are willing to implement safety as a top priority.

Commercial Truck Insurance

Primary Liability Insurance

  • Your 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

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.

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, $5,00 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.

Non-Owned Trailer Insurance vs Trailer Interchange (TI)

  • Both 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.

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.

Controlling the cost of your commercial truck insurance policy can be vital to your success. You want to find the least expensive policy but does the least expensive policy cover you correctly. What if a shipper loads you with cargo that is may be excluded on your policy? And your insurance denies paying your claim. What do you do at this point? Speak with JDW to discuss which options may be best suited for your type of operation.

Remember one size does not fit all.

Commercial Truck Insurance Coverage Options

Commercial Truck Insurance Owner Operators

Navigating owner operator truck insurance can be time consuming and sometimes even overwhelming. Who do you trust your lively hood to help you find the most affordable commercial truck insurance rates? And at the same time making sure you have the correct coverages in place which will respond in your favor if a claim is filed.
All our company offers is commercial truck insurance. Our goal is work one on one with our clients to help them achieve these goals.
Our customer service is second to none. Never miss a load because you could not get a fast COI. We offer free 24/7 COIs.
We make this simple and have a fast response time.

Commercial Truck Insurance Small Fleet Truck Insurance

Small fleet truck insurance encompasses the most commercial truck insurance policies that are written for truckers. Fleet pricing starts at 5 trucks and even more saving starts with fleets with 11 plus trucks. 
You need an agent that understands the trucking insurance markets. All we offer at JDW is commercial truck insurance.

We will explain your options in detail. We answer your questions.
How many trucks can I grow to?
Can fast I add and remove truck and/or drivers?
How fast can I swap trucks?
Can I have owner operators leased on?
How fast can I get a COI?
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.

Our fleet pricing starts a 5 trucks and we specialize in fleet size with 5 to 30 power units

Which commercial truck insurance company you choose is very important. We only work with insurance carriers who have high AM Best Ratings.

WHY?

In some cases shippers will not work with the carriers who have low AM Best Ratings. The shippers may have dealt with them in the past and found that they do not offer the correct coverages. They may have had claims denied and/or they know the lower rated insurance carriers are slow to process claims. You do not want to be in the middle of this process and have a claim denied or have to wait months for the claim to be settled.

List of Commercial Truck Insurance Companies

JDW Truckers Insurance strive to offer a wide range of commercial truck insurance companies to help you find the best commercial truck insurance rates. We monitor the carriers to see what, who and where they are offer the best rates with the correct coverages.

Here is our list of some of our commercial truck insurance companies we can request quotes from on the behalf of our clients.

 

  1. Benchmark
  2. Knight
  3. Trisura
  4. Berkley Prime
  5. Falls Lake
  6. Progressive
  7. Travelers
  8. Seneca
  9. Great Lakes
  10. Allied World
  11. Allianz
  12. Ace Hazmat
  13. ACE Fleet
  14. United Specialty
  15. Hudson Fleet
  16. Markel
  17. Chubb
  18. Tokio Marine
  19. National General
  20. Lexington
  21. AIG
  22. Great American
  23. ACE / Westchester
  24. NICO
  25. National Casualty / Nationwide
  26. Scottsdale Brokerage
  27. IAT
  28. Crum Forster
  29. Canal
  30. Northland
  31. USLI
  32. James River
  33. IFG – Burlington
  34. Penn-America
  35. Century
  36. Hallmark
  37. Carolina Casualty
  38. Protective

You need a commercial truck insurance agent to understands which carrier is offer the best rates in your area.

JDW offers commercial truck insurance quotes in these states:

FL – SC – TX – CA – TN – IN – MS – NC – AL – NV – MO – VA – GA – PA – IL – OH – AR

Last but certainly not least:

  • Customer Service has to be at the top of the list. Running a trucking company can be fast paced at times and if you cannot get your agent on the phone. This could cost you loads. If we need to talk to our agents on Saturday. That can be arranged.

  • COI – Certificate of Insurance. How fast can you get a COI? Do you have to contact your agent and wait for a reply? What if it is Saturday at midnight. Or any other day and time of day. And you have a good paying load to pickup but if you have to wait on your agent to respond. You might lose the load to other trucking operation.

  • This will not happen at JDW. Never lose a load for the lack of not being able to get a timely COI.

  • We set you up with our Free 24/7 COI Application which will work on your phone. Merely login in, add the shippers information and in a matter of minutes they will receive your COI.

Time is Money and JDW strives to Save you Both!

Have questions about our Capabilities?

Call or Text JDW

843-849-4929

(pz do not text and drive)