At JDW Truck Insurance we are trained Tranportation Risk Specialist (TRS). 

  • All we offer is truck insurance.
  • We are family owned and operated.
  • We have dedicated in-house underwriters to help you with your applications. Our goal is to get you as many quotes as possible.
  • We work with 25 plus commercial truck insurance companies.

Let’s Talk Commercial Truck Insurance
Owner Operators Truck Insurance
Fleets of any Size

Joe – 843-849-4929 or 305-240-1266

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WE KNOW TRUCKING
  • Only choose 1 option to better serve you:
  • (please do not text & drive)

Fleet Trucking Insurance Programs:

With our strong presence in the trucking insurance markets. Our company is well respected by commercial truck insurance companies. Which allows us to offer a wide range of coverages at affordable prices. The insurance companies know we shop and compare for our clients.

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Some of our Trucking Programs include:

  • Scheduled Vehicles
  • Mileage Based Programs
  • Gross Revenue Policies
  • All endorsements and COI requests are handle in-house by our dedicated team.
  • Safety consulting through our carriers and third party.
  • Variety of payment options.
  • Self-insured retention policies.
  • High Risk
  • Rapid Growth
  • Cancelled / Non-Renewed
  • Comprehensive packages for your insurance needs.

Eligible Classes for our Fleet Insurance Trucking Programs but not limited to:

  • Dry Van
  • Refrigerated Goods
  • Hazmat (all classes)
  • Flatbed Haulers
  • UIIA
  • Non-Hazardous Liquid Commodities
  • Tankers
  • Tractors
  • Box Trucks
  • And many more.

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Owner Operator Truck Insurance – Small Fleet Truck Insurance

owner operator truck insurance quotes

At JDW Truck Insurance we are trained Tranportation Risk Specialist (TRS). 

  • All offer is truck insurance.
  • We are family owned and operated.
  • We have dedicated in-house underwriters to help you with your applications. Our goal is to get you as many quotes as possible.
  • We work with 25 plus commercial truck insurance companies. Our team is well respected by the trucking insurance companies. They know we shop and compare for our clients to help them find the right coverage at the best commercial truck insurance rates.
  • We are easy to contact.
  • Our customer service is second to none.
  • Our knowledge of the commercial truck insurance markets is second to none.

Owner Operators and Small Fleets we insure:

  • Dry Van
  • Refrigerated Goods
  • Hazmat (all classes)
  • Flatbed Haulers
  • UIIA
  • Non-Hazardous Liquid Commodities
  • Tankers
  • Tractors
  • Box Trucks
  • And many more.

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Hazmat Insurance for Truckers

Hazmat Transportation Insurance Requirements

Hazmat Insurance for Truckers

  • Class 1 – Explosives
  • Class 2 – Gases
  • Class 3 – Flammable Liquid
  • Class 4 – Flammable Solid
  • Class 5 – Oxidizing Substances ; Organic Peroxides
  • Class 6 – Poisonous (Toxic) and Infectious Substances
  • Class 7 – Radioactive Material
  • Class 8 – Corrosives
  • Class 9 – Miscellaneous Dangerous Goods
  • Petroleum Haulers
  • Crude Oil Haulers
  • Propane Distribution
  • Petroleum Jobbers
  • Heating Oil Delivery
  • Chemical Haulers
  • Liquid Nitrogen Haulers
  • Explosives Haulers (Class 1.1-1.5)
  • Terminal Coverage

Cargo Insurance for Hazmat Haulers

A.1., paragraph a. of the CA9948 endorsement, the endorsement says that the coverage provided by CA9948 applies except for liability assumed under a contact or agreement. In other words, if the crash had a pollution spill caused by the insured’s negligence, the CA9948 endorsement would provide coverage. But if the pollution event was caused by the shipper loading the load and the load escaped because of the negligence of the shipper loading the load, there would not be coverage for the shipper even if the insured held the shipper harmless (in an insured contract). The endorsement provides coverage to the insured but not to any other negligent party even if the insured agreed to under a written agreement to hold them harmless.

To address the possible need of the Transportation Pollution stand-alone policy would be if the insured held someone harmless for their negligence, the CA9948 would not consider the agreement an insured contract but the stand alone policy might. I say might because not all Transportation Pollution stand-alone policies are uniform.

One other consideration, even if the individual who is a motor carrier holds a customer (shipper) harmless if the contract is subject to state laws where the law has an anti-indemnification provision (42 states have such laws – all but Mississippi, Ohio, Delaware, New York, New Jersey, Rhode Island, Vermont and New Hampshire) the contract cannot be enforceable because of state laws.

Other possible needs for a stand-alone Transportation Pollution policy (remember policy wording could be different) if the insured has other responsibilities beyond transportation like loading and unloading with a mechanical device not attached to the covered auto, flatbed operation hauling 55 gallon drums of oil, motor carrier is required to unload the drums and uses a forklift and while unloading the forklift turns over and drum hits the ground and opens and oil escapes. An AL policy with CA9948 would not address because of Exclusions 7 and 8 – GL would not address because insured brought the oil to the accident location, so stand-alone policy could address loss. If insured has any responsibility beyond hauling the load, has any contractual responsibility and is under a state law without anti-indemnification provision then the stand-alone policy would be needed.

Lastly, of course if the AL carrier would not provide the CA9948 endorsement, the stand-alone policy would be needed.

Is it worth looking into a stand-alone pollution policy? Probably – Would it provide protection that CA9948 does not – Maybe, but depending on the wording of the stand-alone policy, the availability and or cost of the CA9948 endorsement or if the insured does more than provide transportation.

By: Tommy Ruke

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UIIA Insurance Companies

UIIA Insurance Companies

Intermodal UIIA Truck Insurance Quotes

  • Auto Liability – $1,000,000 limit with excess up to $5,000,000.
  • General Liability – $1,000,000 limit with excess up to $5,000,000
  • Trailer Interchange Agreement – from $20,000 with excess up to $100,000.
  • Broad Cargo Coverage – limits up to $1,000,000.
  • Non Trucking Liability – up to $1,000,000 written on policy as needed.
  • Terminal and Container Yard Coverage – $100,000 limit with excess up to $5,000,000.
  • Warehouseman’s Liability – $2,000,000 with excess up to $10,000,000.

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High Risk Truckers Insurance

High Risk Commercial Truck Insurance

High Risk Commercial Truck Insurance Quotes

  • Large shock losses
  • Multiple alerts
  • Truck insurance cancellations by current provider
  • Conditional safety ratings
  • High CSA scores
  • High SMS scores
  • High out of service percentages (OOS)
  • Elevated CAB scores
  • High loss frequency
  • Driver experience
  • Newly licensed drivers
  • New venture truck insurance
  • Poor credit scores
  • State assigned risk pool
  • High risk cargo
  • SR22 insurance

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Box Truck Insurance and Box Truck Insurance Requirements

Box Truck Insurance Requirements

Box Truck Insurance Requirements
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Commercial Truck Insurance for Box Trucks Quotes
How much is insurance on a 26 Foot Box Truck
Straight Truck Insurance
Straight Truck Insurance QuotesBox Truck Insurance Requirements
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How much is insurance on a 26 Foot Box Truck
Straight Truck Insurance
Straight Truck Insurance Quotes
Straight Truck Insurance Cost
26 Foot Box Truck Insurance
26 Foot Box Truck Insurance Cost
Straight Truck Insurance Cost
26 Foot Box Truck Insurance
26 Foot Box Truck Insurance Cost

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New Authority Truck Insurance – Insurance for New Trucking Company

New Authority Truck Insurance / New Venture Truck Insurance / Insurance for New Trucking Company

How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance pollicy?

Scenario:

  • Let’s say you are pulling into a truck stop.
  • You lose control of your truck.
  • Your truck crashes into the wall of the restaurant.
  • The cab knocks a whole in the side of the building.
  • The bricks on the buildng from your impact are tossed across the restaurant and one of the bricks hits one of the restaurant servers in the leg.
  • From the impact your front bumper is knocked off your truck.
  • When you hit the building your truck is jarred to a hard stop.
  • This causes your cargo to shift and your trailer falls over dumping your cargo onto the ground.
  • Your trailer has fallen over and damaged.

So what parts of your insurance policy covers what? Let’s take it step by step.

  • Primary Liability: This is your main part of your insurance policy. Your truck has damaged the restaurant buildng and injured one of the restaurant workers. Primary liability covers injury to others and damage to others property. In our sceario. Your primary liability insurance would respond to repairing the building and covering medical bills for the injury to the restaurant worker.
  • Cargo Insurance: Because your cargo was thrown from your trailer onto the street it has been damaged. Your cargo insurance would respond to paying for any cost to the damaged cargo.
  • Trailer Damage: It does not matter if you are leasing, you own the trailers or you are power only. You will need Physical Damage to cover the cost the the damaged trailer. For power only this called: Non-owner trailer physical damage, trailer exchange or trailer replacement. If you are hauling others trailers. They will have set amount of physical damage they require you to carry to pull their trailers. For example: Amazon requires $50k in physical damage.
  • Your Truck: To repair your truck you will need Physical Damage. The amount of physical damage you should carry on your truck is based up its Stated Value. This the amount should be set based on if you had to go and buy another truck just like the one you have now.  How much would it cost you today?
  • General Liability: General liability should not be confused with Primary Liability. Remember primary liability insurance responds when your truck causes damage to someone or their property. It would not come into play in this scenario. And example of how general liability would respond to a claim is: Let’s say you back into the loading dock. You take a dolly which you have brought with you and start unloading boxes. One of the boxes fall onto one the dock workers foot causing bodily injury. This is when you would need general liability. Now if you back into the dock and the dock worker starts unloading your truck with a forklift which is owned by the warehouse your are unloading at and a box falls off the forklift and cause injuring to someone. It would be the warehouse insurance who would have to respond to the claim. Not yours.

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