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Frame The Importance of

Commercial Truck Insurance in Chapel Hill, NC

  • Let's face it - truckers in America have always been the backbone of our great country. They still are in modern times. On any given day, thousands of trucks traverse our highways and local roads, delivering goods and products on time so that businesses and consumers have what they need to live life. And while commercial trucking can be an incredibly lucrative way to make a living and put food on the table, it can also be risky and expensive.
  • Whether you're the owner of a fleet, an independent trucker, or have a business that uses big rigs to transport goods, you need commercial trucking insurance to protect you and your client's investments, shield you from liability, and more.
  • That's where working with a reliable truck insurance agency comes into play. Unfortunately, for many commercial truck insurance providers, serving the needs of truckers is low on the proverbial totem pole. At Independence Insurance Agency, nothing could be further from the truth.

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percent The Commercial Truck

Insurance Agency in Chapel Hill, NC You Can Trust

Much like you pride yourself on running a successful trucking business, Independence Insurance Agency prides itself on its years of experience providing truck insurance for hardworking men and women across the country. And in our experience, insurance rates for truckers are just too high - so high, in fact, that they eat away at their bottom line, making it more difficult to run a business and make a profit. Fortunately, at Independence Insurance Agency, we provide truckers the freedom they need from astronomically high insurance rates so they can stay on the road and keep driving America forward.

As one of the most trusted commercial trucking insurance agencies in the U.S., we understand the challenges that you face daily as a trucker. We also know how important it is to protect your business. That's why we go above and beyond to find you the best-priced coverage available, whether you're an operator, own a small fleet, a large fleet, or something in between.

Commercial Truck Insurance Chapel Hill, NC

We Put Truckers First Because Others Don't

 Truck Insurance Chapel Hill, NC

Truckers across the country choose to work with Independence Insurance Agency because we put their needs first before anything else. As experts in transportation insurance, we proudly offer a range of quality insurance products that are both practical and affordable for them. Our industry-leading carriers provide coverage that caters to the unique challenges faced by the trucking industry, ensuring that your business is protected at all times.

At our core, we are committed to finding the best possible price for your coverage without compromising the quality of service you deserve. The truth is, we understand how essential truckers are to the United States and take pride in making their insurance experience more streamlined and affordable.

One way we do so is by simplifying the insurance process. Our transportation specialists take the time to understand your specific needs and budget to tailor a comprehensive plan that works for you. You won't ever have to worry about cookie-cutter plans or uninterested agents when you work with our commercial trucking insurance agency. We take an educational approach to ensure that the entire big rig insurance process is quick, painless, and easy to understand. If there's something you don't understand, we're happy to take the time to explain. After all, the success and safety of your business are on the line.

Looking to the future, we are committed to providing innovative new products that cater to the ever-changing needs of truck drivers. As your one-stop shop for commercial trucking insurance, we are dedicated to your success, one policy at a time.

If you're a commercial trucker looking to ensure your rig, you can rest easy knowing that Independence Insurance Agency provides:

  • Affordable Trucking Insurance Plans for Any Budget
  • Exemplary Customer Service
  • Seasoned Transportation Specialists Who Customize Plans to Your Needs
  • A+ Carriers Across the Country
  • Simple, Easy Quote and Bind Process
  • Multiple Insurance Carriers Quoted to Find You the Best Rates
  • Truck Insurance for New Ventures

Call us or send us a message today to learn more about the best 18-wheeler insurance options for your trucking business.

chart The Commercial Truck

Common Types of Big Rig Truck Insurance in Chapel Hill, NC

At Independence Insurance Agency, we offer several types of insurance coverage for local, intermediate, and long-haul trucking needs. Here are just a few categories of trucking insurance coverage that our agency offers.

As the foundation of your insurance policy, liability coverage is required by law in most states in the U.S. It provides coverage for damage or injuries caused to properties or other people if your 18-wheeler is responsible for the crash. Without liability coverage, it's almost impossible to drive a truck or run a trucking business without major legal consequences.

Having physical damage coverage is an essential component that shouldn't be overlooked. This insurance is responsible for covering the expenses related to repairing or replacing your truck in situations such as accidents, theft, vandalism, and other damaging events. By having this coverage, you can rest assured that your business won't be affected significantly by unexpected incidents, and you can continue running your operations smoothly even in challenging times.

For trucking companies, the goods they transport are crucial to their operations. To protect these goods from damage, loss, or theft while in transit, cargo insurance is essential. This coverage provides much-needed peace of mind for both you and your clients, allowing you to reimburse clients for any losses sustained while protecting your reputation and brand identity.

Non-Trucking Liability Insurance is designed to cover property damage or bodily injury that may occur during personal time when the driver/truck is not under dispatch. This coverage can be applied with or without a trailer and is added to a commercial policy as an endorsement.

While Independence Insurance Agency has built a reputation of excellence in serving the needs of truckers, we also offer general liability. Also known as Truckers General Liability, this coverage insures for bodily injuries or property damage that happen due to business activities that are NOT the cause of operating a truck. It covers accidents that occur in parking lots, rest stops, also while loading or unloading. General liability can also cover losses related to theft and vandalism. Most brokers and shippers will require this coverage to work with you.

Bobtail insurance is a type of coverage that is comparable to non-trucking liability, which is designed to offer protection when driving a truck without a trailer attached. This is commonly referred to as "bobtailing." With bobtail insurance, the tractor is covered at all times, even when it is not attached to a trailer, regardless of whether or not the truck is under dispatch.

Trailer interchange insurance is a must-have if you're involved in a trailer interchange agreement. This essential coverage offers protection for trailers owned by other parties that you're using under a contractual agreement. It covers damages caused by collisions, fire, theft, and vandalism, providing assurance to all parties involved.

Curious whether our commercial truck insurance agency in cityname, state offers additional coverage? The following options can be bound in your insurance policy:

  • Business Interruption Insurance
  • Reefer Breakdown Insurance
  • Occupational Accident with Contract Liability Insurance
  • Rental Reimbursement Insurance
  • Underinsured or Uninsured Motorist Insurance
  • Towing Insurance
  • Electronics Insurance
  • Much More

Three plus 3 Safe Driving Tips to

Lower the Cost of Truck Insurance in Chapel Hill, NC

Keeping your drivers safe on the road is crucial not only for their own well-being but also for the safety of other motorists and the financial stability of your business. The Department of Labor has identified the trucking industry as one of the most hazardous sectors in the U.S. In fact, trucking and logistics fleets are known for their high injury and fatality rates. By improving how safely your truckers drive, you can help reduce expenses related to claim payouts, accidents, and insurance premium hikes.

Whether you own a large fleet or you're the owner and operator of a single rig, keep these safe driving tips in mind to help lower your insurance costs.

Implement Preventative Maintenance Plans

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

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 Trucking Insurance Chapel Hill, NC

Practice Defensive Driving

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
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 Commercial Liability Insurance For Truckers Chapel Hill, NC

Find Ways to Prevent Distracted Driving

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

phone Call Now
 Commercial Truck Insurance Quote Chapel Hill, NC

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

 Low Priced Commercial Truck Insurance Chapel Hill, NC phone Call Now

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
Commercial Truck Insurance Chapel Hill, NC phone Call Now

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

 Truck Insurance Chapel Hill, NC phone Call Now

check light FAQs About

Independence Insurance Agency

If you're looking for a commercial trucking insurance agency for your business, chances are you have some questions - and we've got answers. Keep reading to learn more about some of the most commonly asked questions we hear from truckers like you.

Why go with a "jack of all trades" when you can work with specialists who focus exclusively on transportation insurance? We have excellent relationships with major trucking insurance carriers and, as such, can provide the best assistance and reasonable rates.

Typically, companies will look at claims that date back three years or less.

We proudly work with more than 20 carriers to provide our clients with the most advantageous options at competitive prices, catering to the needs of owner-operators and big fleets alike.

Permit filings are typically done by insurance companies on the next business day. Federal (FMCSA) filings are completed online and updated immediately, while some states may take up to three weeks to process.

Independence Insurance Agency: Committed to the Trucking Industry

There's no question about it - you've got to protect your staff, your rig, and your trucking business with insurance. But choosing the right insurance partner isn't always easy. Thankfully, with Independence Insurance Agency by your side, you can rest easy knowing you're covered no matter where the road takes you. If you're in need of a commercial truck insurance agency in Chapel Hill, NC that caters to truckers like you, pick up the phone and contact one of our transportation specialists today. That way, you can get back on the road with confidence tomorrow.

 Trucking Insurance Chapel Hill, NC

Latest News in Chapel Hill, NC

Softball Game Preview: Northwood Chargers vs. Chapel Hill Tigers

Northwood is 10-0 against Chapel Hill since March of 2016, and they'll have a chance to extend that success on Wednesday. The Northwood Chargers will be playing in front of their home fans against the Chapel Hill Tigers at 6:00 p.m.Northwood lost a close one when they played on Wed...

Northwood is 10-0 against Chapel Hill since March of 2016, and they'll have a chance to extend that success on Wednesday. The Northwood Chargers will be playing in front of their home fans against the Chapel Hill Tigers at 6:00 p.m.

Northwood lost a close one when they played on Wednesday but unfortunately for them the loss they were handed on on Tuesday was a bit more commanding. They suffered a tough 12-1 defeat at the hands of Chatham Central. Northwood has now taken an 'L' in back-to-back games.

Northwood saw two different players step up and record at least one hit. One of them was Kara Thomas, who went 1-for-3 with a double and an RBI.

Meanwhile, Chapel Hill can now show off five landslide victories after their most recent contest on Monday. They put the hurt on Carrboro with a sharp 20-5 win. The victory was just what Chapel Hill needed coming off of a 24-7 loss in their prior match.

Alexandra (Kes) Duncan made a splash no matter where she played. On the mound, she struck out eight batters over four innings while giving up three earned (and two unearned) runs off six hits (and only one walk). Duncan was even better at the plate, scoring four runs and stealing four bases while getting on base in all five of her plate appearances.

In other batting news, Chapel Hill got a massive performance out of Silvia Tellez-Flores, who scored three runs and stole two bases while getting on base in four of her five plate appearances. Channing Clark was another key contributor, scoring three runs and stealing a base while getting on base in three of her four plate appearances.

Northwood's defeat dropped their record down to 4-7. As for Chapel Hill, their win bumped their record up to 7-3.

Northwood took their victory against Chapel Hill in their previous matchup back in April of 2021 by a conclusive 18-1. Will Northwood repeat their success, or does Chapel Hill have a new game plan this time around? We'll find out soon enough.

Article generated by infoSentience based on data entered on MaxPreps

Chapel Hill’s plan for miles of dedicated bus lanes gets $138 million federal funding recommendation

CHAPEL HILL, N.C. (WNCN) – Many commuters rely on the Carolina blue buses to get to and from their destinations nearly every day.That’s the case for one Chapel Hill woman, but she said the wait times are getting worse.“One time we waited for like 45 minutes,” Jessica, a Chapel Hill resident, said.Earlier this month, nearly $140 million was recommended in the upcoming federal budget to help Chapel Hill construct its ...

CHAPEL HILL, N.C. (WNCN) – Many commuters rely on the Carolina blue buses to get to and from their destinations nearly every day.

That’s the case for one Chapel Hill woman, but she said the wait times are getting worse.

“One time we waited for like 45 minutes,” Jessica, a Chapel Hill resident, said.

Earlier this month, nearly $140 million was recommended in the upcoming federal budget to help Chapel Hill construct its North-South Bus Rapid Transit plan. That includes over five miles of dedicated bus lanes.

Congress still needs to approve the funding.

“It’s a heavily used corridor already today for transit,” Chapel Hill Transit Director Brian Litchfield said. “It’s a heavily used corridor for folks using their personal vehicles.”

The Bus Rapid Transit will go from the north end of town, down Martin Luther King Boulevard through downtown Chapel Hill and the UNC campus.

Then, it will move south to the Southern Village Park and Ride.

“Ultimately, what all that means to the customer is buses are going to come more frequently,” Litchfield said. “They’re going to be more reliable, so it’s going to be easier to use.”

Chapel Hill Transit leaders hope to begin construction within the next three years, and NSBRT will officially kick off in 2029 at the earliest.

“That means a lot,” said a bus user who claims she’s missed appointments due to wait times.

Some parts of the route, where dedicated bus lanes won’t be placed, would implement a signal priority system to keep those vehicles moving. The goal is to have buses coming every six minutes.

The project also includes pedestrian safety improvements. The plan is to build a multiuse path, and sidewalks in some of the areas that don’t currently have the infrastructure.

Southern Oral History Program turns 50

In December 1979, Jacquelyn Dowd Hall, the founding director of the Southern Oral History Program, sat down to interview Nell Sigmon about her life in western North Carolina. As Hall explained the value of the retired hosiery worker’s story for understanding the early 20th century industrialization of the South, Sigmon interrupted her to say, “Well, of course, you don’t...

In December 1979, Jacquelyn Dowd Hall, the founding director of the Southern Oral History Program, sat down to interview Nell Sigmon about her life in western North Carolina. As Hall explained the value of the retired hosiery worker’s story for understanding the early 20th century industrialization of the South, Sigmon interrupted her to say, “Well, of course, you don’t have to be famous for your life to be history.”

Sigmon’s words became an unofficial motto for the program founded in 1973-74 to collect the stories of people from across North Carolina and the South to better understand the history of the state, region and nation.

“Having an institution like UNC sending people out to talk to the people of the state about their lives and affirming their historical significance is an important form of outreach for the University,” said Hall, now Julia Cherry Spruill Professor Emerita in the College of Arts and Sciences’ history department.

On April 5 and 6, the Center for the Study of the American South will hold a celebration to commemorate its 30-year anniversary and the 50-year anniversary of the Southern Oral History Program, which joined the center 20 years after its founding.

The mission of the Southern Oral History Program, according to director Seth Kotch, is to include the stories of ordinary Southerners alongside those of prominent figures in our understanding of history.

“When we hear a story about a general, we want to know what his foot soldiers thought about him. Or when we hear a story about a president, we want to know what his interns thought,” Kotch said. “We’re the ones who talk to the interns and the foot soldiers.”

The interviews conducted by students in the program illuminate topics such as the Civil Rights Movement, the women’s rights movement, and the history of Southern medicine. Interviews are archived within the Southern Historical Collection in the Wilson Special Collections Library and available digitally for scholars across the world to draw on for research and teaching. The recordings are also available to the public, some of whom search for interviews with their own family members. Students have gone on to apply the skills they learned in the program in their careers as scholars, journalists, public historians, and leaders of their own oral history efforts.

“It’s important for a public university to be outward facing, to engage with our state, and to be curious about how local history can inform us about the history of the nation,” said Hooper Schultz, a Carolina doctoral candidate and SOHP field scholar. “As the flagship public university in North Carolina, it’s our mandate to tell the story of the state and to provide research that is going to matter to the majority of people in our state.”

After 50 years, the mission of the SOHP remains focused on elevating the voices of both ordinary Southerners and of prominent individuals and incorporating both perspectives into our understanding of history.

“Every interview we do is evidence that our history is a great ocean made up of little drops,” said Kotch. “There might be huge warships sailing on top of it that are catching our eye, but what’s actually meaningful about the ocean is the water.”

Softball Game Preview: Chapel Hill Tigers vs. Northwood Chargers

Chapel Hill has enjoyed a five-game homestand but will soon have to dust off their road jerseys. They will face off against the Northwood Chargers at 6:00 p.m. on Wednesday. Chapel Hill is strutting in with some hitting muscle, as they've averaged 13 runs per game this season.Chape...

Chapel Hill has enjoyed a five-game homestand but will soon have to dust off their road jerseys. They will face off against the Northwood Chargers at 6:00 p.m. on Wednesday. Chapel Hill is strutting in with some hitting muscle, as they've averaged 13 runs per game this season.

Chapel Hill has not done well against Carrboro recently (they were 2-7 in their previous nine matchups), but they didn't let the past get in their way on Monday. Chapel Hill was the clear victor by a 20-5 margin over Carrboro. Chapel Hill might be getting used to big wins seeing as the team's won five contests by eight runs or more this season.

Alexandra (Kes) Duncan made a splash no matter where she played. On the mound, she struck out eight batters over four innings while giving up three earned (and two unearned) runs off six hits (and only one walk). Duncan was also stellar in the batter's box, scoring four runs and stealing four bases while getting on base in all five of her plate appearances.

In other batting news, Chapel Hill got a massive performance out of Silvia Tellez-Flores, who scored three runs and stole two bases while getting on base in four of her five plate appearances. Another player making a difference was Channing Clark, who scored three runs and stole a base while getting on base in three of her four plate appearances.

Northwood lost a close one when they played on Wednesday but unfortunately for them the loss they were handed on on Tuesday was a bit more commanding. They suffered a tough 12-1 defeat at the hands of Chatham Central. Northwood has now taken an 'L' in back-to-back games.

Northwood saw two different players step up and record at least one hit. One of them was Kara Thomas, who went 1-for-3 with a double and an RBI.

Chapel Hill's record now sits at 7-3. As for Northwood, their loss dropped their record down to 4-7.

Chapel Hill might still be hurting after the 18-1 defeat they got from Northwood when the teams last played back in April of 2021. Thankfully for Chapel Hill, Caroline Garner (who struck out eight batters over five innings while giving up just one earned run off four hits) won't be suiting up this time. Will that be enough to change the final result? There's only one way to find out.

Article generated by infoSentience based on data entered on MaxPreps

Baseball Game Recap: Van Vandals vs. Chapel Hill Bulldogs

Van entered their tilt with Chapel Hill with two consecutive wins but they'll enter their next game with three. They narrowly escaped with a win as the squad sidled past the Chapel Hill Bulldogs 8-7. That's more bragging rights for Van, who also won the pair's last head-to-head....

Van entered their tilt with Chapel Hill with two consecutive wins but they'll enter their next game with three. They narrowly escaped with a win as the squad sidled past the Chapel Hill Bulldogs 8-7. That's more bragging rights for Van, who also won the pair's last head-to-head.

Colten Grier made a splash while hitting and pitching. He didn't allow a single earned run and only two hits while striking out six over four innings pitched. Grier was also stellar in the batter's box, getting on base in all five of his plate appearances with three RBI and a double.

In other pitching news, Rawly Hinch looked comfortable as he pitched 1.1 innings while giving up no earned runs off three hits (he also didn't allow any walks).

Back at the plate, Landon Smith was incredible, scoring three runs and stealing a base while going 2-for-4. Another player making a difference was Asher Hawkins, who went 2-for-3 with a stolen base and an RBI.

On Chapel Hill's side, Chandler Lawson was cooking despite his team's loss, going 3-for-5 with a double and an RBI. Jesus Samaniego was another key contributor, going 1-for-2 with two RBI.

Van has been performing well recently as they've won four of their last five contests, which provided a nice bump to their 17-6-2 record this season. As for Chapel Hill, they are on a three-game losing streak that has dropped them down to 7-11-1.

Van will have a chance to go back-to-back against Chapel Hill: the pair's next game is a rematch scheduled at 7:00 p.m. on Thursday.

Article generated by infoSentience based on data entered on MaxPreps

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