JDW Truck Insurance
We Know Trucking

Small Fleet Truck Insurance - Owner Operator Truck Insurance

Owner Operator Truck Insurance – Small Fleet Truck Insurance

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. 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.
 
  • For Hire Truckers
  • Any Radius
  • Long Haul Trucking Operations
  • Intermediate Trucking Operations
  • Grain Haulers
  • Contractors
  • Agricultural Products (Grains, Produce, General Farm Freight)
  • Fertilizer (Bagged, Bulk, Liquid)
  • Horse Haulers
  • Livestock Haulers
  • Lumber Haulers
  • Logging Trucks
  • LPG Haulers
  • Lumber Yards
  • Wood Chip Delivery
  • Produce Haulers
  • Pulp Wood
  • Dirt, Rock, Sand, Or Gravel
  • General Aggregate Products
  • Hay Haulers
  • Asphalt And Paving
  • Cement Or Ready Mix
  • Contaminated Dirt Or Dirty Dirt
  • Contractors’ Equipment
  • Construction Equipment
  • Heavy Equipment
  • Machinery
  • Heavy Haul
  • Building Supplies
  • Pre-Fabricated Buildings
  • Pre-Fabricated Concrete
  • Ready Mix Operations
  • Pallet Haulers
  • Pipe Haulers
  • Wholesale Food Distribution
  • Dry Food Products
  • Refrigerated Products
  • Dry Freight
  • Milk Haulers
  • Liquid Food Products
  • Seafood Delivery
  • Crude Oil Haulers
  • Water Haulers (Including Fracking)
  • Contaminated Dirt Or Dirty Dirt
  • Diesel Fuel Hauler
  • Gasoline Hauler
  • Chemical Haulers
  • Jet Fuel Haulers
  • Coal Haulers
  • Butane Hauler
  • Propane Hauler
  • Fertilizer (Bagged, Bulk, Liquid)
  • Fracking Liquids
  • Hazardous Waste Haulers
  • Home Heating Oil
  • Fuel Haulers
  • Garbage Haulers
  • Waste Oil
  • Waste Disposal
  • Tank Trucks
  • Recycled Grease Or Oil
  • Recyclables
  • Oil Filled Equipment Haulers
  • Scrap Metal
  • Lab Waste Haulers
  • Medical Waste Haulers
  • Bio Hazard Haulers
  • Medical Equipment Haulers
  • Pharmaceuticals
  • Auto Transport
  • Auto Parts Haulers
  • Boats
  • Car Carriers
  • Motorcycles, Mopeds, Scooter Haulers
  • Mobile Home Totter
  • Container Haulers
  • Containerized Freight
  • Dump Truck Operations
  • Explosive Hauler
  • Hazardous Goods
  • Bulk Liquid Haulers
  • Metal Dealers
  • Metal Transporters
  • Mining Equipment
  • Office Equipment Haulers
  • Paper Products
  • Retail Delivery
  • Steel Haulers
  • UIIA Hauler
  • Wholesale Delivery

Commercial Truck Insurance 101- How does your New Authoriity Truck Insurance protect you and what makes up the parts of a commercial truck insurance policy?

  • 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.
  • 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.

Please fill out the from below and we will start shopping for your quotes.
Or if you want to have a chat about our capabilities.
Call Joe
843-849-4929 or 305-240-1266

Owner Operator Truck Insurance – Small Fleet Truck Insurance

We have trucking insurance programs for long haul trucking and short haul trucking companies