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Trucking Insurance Experts at Independence Agency
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The Importance of
Commercial Truck Insurance in Chattanooga, TN
- 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.
Service Areas
The Commercial Truck
Insurance Agency in Chattanooga, TN 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.
We Put Truckers First Because Others Don't
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.
The Commercial Truck
Common Types of Big Rig Truck Insurance in Chattanooga, TN
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
3 Safe Driving Tips to
Lower the Cost of Truck Insurance in Chattanooga, TN
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.
Call NowPractice 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.
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.
Call NowEnsuring 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.
Call NowThis 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.
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.
Call NowFAQs 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 Chattanooga, TN 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.
Latest News in Chattanooga, TN
New and coming-soon restaurants in Chattanooga
Staffhttps://noogatoday.6amcity.com/city-guide/play/new-and-coming-soon-restaurants-chattanooga-tn
The below list of new businesses has been updated as of Tuesday, Oct. 22, 2024.Some people make to-do lists — we make to-dine lists. Many hot new Chattanooga restaurants have opened over the past several months, from Riverport Grille to The Playlist.To satisfy those who are really hungry for fresh dining options, we’ve got details on several more Scenic City restaurants coming soon, too. Grab your forks as we dig right in....
The below list of new businesses has been updated as of Tuesday, Oct. 22, 2024.
Some people make to-do lists — we make to-dine lists. Many hot new Chattanooga restaurants have opened over the past several months, from Riverport Grille to The Playlist.
To satisfy those who are really hungry for fresh dining options, we’ve got details on several more Scenic City restaurants coming soon, too. Grab your forks as we dig right in.
Mean Jeen’s, 1800 E. Main St. | Wings, tacos, burritos + tortas | Reservations: NoThis neighborhood “cocktail dive” serves up more than drinks — snack on your go-to bar food (with vegetarian options). If you’d like a lighter snack, try out the boiled peanuts or fries.
2nd American Restaurant, 1601 Cowart St. | American cuisine | Reservations: YesThis is the latest Chattanooga eatery from chef Daniel Lindley of Alleia. The menu is an homage to an American family meal, inspired by Sunday dinners from Lindley’s childhood.
Brothers Bagel, 3805 Hixson Pk. | Bagels + pastries | Reservations: NoThis family business serves breakfast all day with the stars of the show being the housemade bagels and schmear. You can also grab a lunch sandwich like the Brothers BLT made with pimento cheese.
Riverport Grille, 224 Broad St. | American cuisine | Reservations: YesStop by this spot that opened at the former Big River Grille downtown location for brunch, lunch, or dinner. Don’t skip out on dessert, beignets are on the menu.
The Playlist, 100 Market St. | Italian | Reservations: YesDid someone say dinner and a show? Enjoy Italian food while you watch servers that double as performers.
Fonda Dos Mil, 1900 Broad St. | Latin American cuisine | Reservations: NoOperating from the former Koch’s Bakery location, this spot serves up items like gorditas and tacos — with the majority of the menu being $10 and under.
Granny’s Bar, 235 E. MLK Blvd. | Bar food | Reservations: NoIf you’re looking for a late-night snack, this recently opened bar serves up bites like wings, chips and salsa + tater tots until 2:30 a.m.
Blackstone Grille, 3018 Cummings Hwy. | Steak + pasta | Reservations: YesTry out a top-tier steak cut, pasta, and seafood menu options for lunch or dinner.
Scoop Around Ice Cream Bar, 831 E. Main St. | Ice Cream | Reservations: NoTalk about some Instagram-worthy ice cream sundaes. This spot has plenty of menu items to satisfy your sweet tooth like ice cream nachos, milkshakes, and crazy cones.
Nightcap Cocktails & Sweets, 730 Chestnut St. | Projected opening: TBDThe folks from Old Gilman Grill are opening a spot to get late-night drinks and sweets. The invite-only, soft-opening is on Thursday, Oct. 24 with a projected opening to the public to be announced soon.
City Cafe, 511 Broad St. | American cuisine | Projected opening: Monday, Oct. 28This downtown spot is making its return really soon. This 24/7 dinner is known for its huge menu + cakes, pies, and cheesecakes.
Blue Moose, 7035 Amin Dr. | Wings + burgers | Projected opening: NovemberThis family-friendly sports bar is known for its jumbo wings + hand-patted burgers. Folks can also catch the game on one of the 30+ TVs while enjoying a full bar.
Laney’s Restaurant | Projected opening: TBDThe folks behind Pizzeria Cortile are opening their second concept in Red Bank. Pro tip: Sign up for the email list for updates about their opening.
CAVA, 2260 Gunbarrel Rd. | Mediterranean cuisine | Projected opening: TBDCAVA’s second Chattanooga location will open on Gunbarrel Road — if you can’t wait you can visit the already-opened location by Northgate Mall.
Raising Cane’s, 5435 TN-153, Hixson | Fried chicken | Projected opening: TBDThis fast-food restaurant known for its chicken fingers + famous sauce is coming to Hixson.
14 Halloween events to attend in Chattanooga
Kristen Templetonhttps://noogatoday.6amcity.com/halloween-events-in-chattanooga-tn
Table of Contents???? Family-friendly outings???? Adult bashesWe’re gearing up for Halloween time in the Scenic City, so get ready to trick-or-treat yourself at these 14 local events....
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We’re gearing up for Halloween time in the Scenic City, so get ready to trick-or-treat yourself at these 14 local events.
Boo in the ZooHead to the Chattanooga Zoo on select nights for a celebration featuring candy, not-so-scary decorations, costume shows, a bounce house, and a scavenger hunt. Ticket must be purchased online.
Troops & TreatsJoin the National Medal of Honor Heritage Center on Friday, Oct. 25 from 4 to 7 p.m. for a free event featuring trick or treating, crafts and activities, a puppet show, and more — costumes are encouraged.
“Spooky Skate”Try out new moves with Outdoor Chattanooga + Dazey Skate Co. on Friday, Oct. 25 from 7 to 10 p.m. at the Chatt Town Skate Park for skating, food trucks, and costume contests. Free skate rentals will be provided for the first 25 people.
Odd Hallows EveHead to Oddstory Brewing Co. for three days of ghoulish fun. The annual Halloween Bash returns with a costume contest and live music on Friday, Oct. 25, the pet costume contest will be on Saturday, Oct. 26 + check out a vendors market on Sunday, Oct. 27. All events are free entry and for all ages.
SnapFest: Fright NightJoin local business Snapdragon Hemp on Saturday, Oct. 26 at the Walnut Street Bridge + Coolidge Park for live music, face painting, a haunted maze, a costume contest, a zombie walk on the bridge, and a vendor market. Entry is free.
Haunted MarketBring the family to the Chattanooga Market on Sunday, Oct. 27 for trick or treating + a costume parade at 1:30 p.m. for the kiddos and adults.
Harry Potter Pop-UpHead to Unknown Caller Bar now through Sunday, Nov. 3 to enter into the magical world of “Harry Potter.” Check out the decorations, a themed cocktail and mocktail menu + puzzles and games. Entry to the pop-up is free, no tickets are required. Pro tip: Bring a group and order the “Espresso Patronum” tower.
Frights & PintsThis after-hours event at the Chattanooga Zoo is on Thursday, Oct. 24 where you can enjoy your favorite beer + wine while you explore the zoo and hit the dance floor. Tickets start at $35.
Drink & Discover: CarnEvilThe Creative Discovery Museum will turn into a scary carnival on Friday, Oct. 25. You can play games, enjoy food and drinks, see live performances by the Chattanooga Fire Cabaret, and get a tarot card reading. Tickets start at $35.
All Hallows EveCommon House will open its doors to non-members on Friday, Oct. 25 for tarot readings, music spun by a DJ, drink specials, snacks, a costume contest, and scary movies on the terrace. Non-member tickets are $20.
Bitter Halloween Block PartyThey say there’s a haunting on Houston Street— head to a block party outside The Bitter Alibi on Saturday, Oct. 26 at 5 p.m. for music by Shoey. There’s a $10 cover beginning at 7 p.m.
Gravedigger’s BallLocal radio station Hits 96 will host its annual event on Saturday, Oct. 26 at Barrelhouse Ballroom. Get ready to dance the night away + make sure to come in your best costumes for a chance to win prizes. Tickets start at $15.
Retro Halloween PartyGet ready to travel back in time at Reagan’s on Saturday, Oct. 26 for a retro-themed party, cocktails, and costume party. Festivities start at 7 p.m. + the first 50 guests will receive free merch. Tickets start at $20.
Devils NightThe Boneyard will host its Halloween party on Thursday, Oct. 31, featuring live bands and a costume party. Follow the Instagram page for the lineup announcement.
Chattanooga’s must-see museums
Staffhttps://noogatoday.6amcity.com/city-guide/play/museums-chattanooga-tn
Table of ContentsHistoryArtsKids...
Table of Contents
Museums are the cultural hubs of Chattanooga. Whether you’re looking to learn something new about the Scenic City or plotting a way to spend your Saturday afternoon, here are 12 museums to visit in our city.
National Medal of Honor Heritage Center, 2 W. Aquarium Way | $8-$17Did you know the first Medal of Honor was awarded in Chattanooga? Learn about the highest military honor of valor + its recipients.
Don’t miss: Check out the Congressional Space Medal of Honor exhibit, highlighting Challenger Commander Dick Scobee’s story.
Tennessee Valley Railroad Museum, 4119 Cromwell Rd. | $0-$10 Journey back to a time when railway travel was a way of life at one of the oldest + largest operating historic railroads in the southeast.
Don’t miss: The museum also offers a ton of train rides like historical tours, dinners, and holiday-themed rides.
The Coker Museum, 1309 Chestnut St. | $0-$12See the personal collection of Corky Coker featuring vintage cars, motorcycles, trucks, buses, and more.
Don’t miss: Make sure to keep up with the museum on Instagram for vintage car shows + more fun events.
Battles for Chattanooga Museum, 1110 E. Brow Rd., Lookout Mountain | $0-$8This museum, located at the entrance of Point Park, details the area’s Civil War battle sites.
Don’t miss: Make sure to take a walk through Point Park after your museum visit to check out the site of the famous Battle Above the Clouds.
International Towing & Recovery Museum, 3315 Broad St. | $0-$12Did you know Chatanooga is the birthplace of the tow truck? Learn about the history of the towing and recovery industry + check out the artifacts on display.
Don’t miss: Each year the museum recognizes individuals who have made substantial contributions in its field during the Hall of Fame ceremony. You can check out the portraits of the inductees on the museum’s walls.
Classic Arcade Pinball Museum, 409 Broad St. | $16-$20Check out the huge collection of pinball + arcade machines. Museum admission allows unlimited free play on all operating games.
Don’t miss: The “come-and-go” wristbands allow you to leave the museum and return so you can play the games throughout the entire day.
Overlooked Materials, 951 S. Watkins St. | FreeThis glass recycling company has a museum dedicated to Chattanooga’s glass history at its warehouse location. Inquire via email to check out the space.
Don’t miss: Seeing old bottles collected from the area + reading the news clippings from years past.
Hunter Museum of American Art, 10 Bluff View Ave. | $0-$20This museum is known for its permanent + traveling collections that feature works from the 1700s through the present day.
Don’t miss: Check out the calendar of events full of art-inspired happenings. We love the Vision + Verse and Sunday Studios series.
Houston Museum of Decorative Arts, 201 High St. | $5-$10The museum is currently closed for renovations, but folks can check out the pop-up location at 412 E. 2nd St. to see some of the personal collection of Anna Safely Houston, who collected thousands of rare + antique decorative art pieces.
Don’t miss: Can’t make it to the Metropolitan Museum of Art? The Houston Museum of pieces of its own, like this Edgefield Pottery face jug, that has been featured in the MET.
Creative Discovery Museum, 321 Chestnut St. | $0-$20Bring the kiddos to enjoy immersive, hands-on art, science, and music exhibits.
Don’t miss: The museum’s newest exhibit “Reimagine: A Cardboard Wonderland,” which is made completely of cardboard and reused materials.
Bessie Smith Cultural Center and Chattanooga African American Museum, 200 E. MLK Blvd. | $0-$10Learn about Chattanooga’s many Black music legends like Bessie Smith and The Impressions + celebrate local African American history and culture.
Don’t miss: Check out the museum’s Facebook page for information on educational and health series, lectures, movie screenings, and other happenings.
Songbirds, 206 W. Main St. | Free entryMarvel at the extensive collection of vintage + rare guitars while learning about Chattanooga’s local music history.
Don’t miss: There are tons of interactive portions for kids and adults alike throughout the museum, so you can create some music of your own.
Whether you’re heading to check out the latest art showcase or ready to marvel through historic architecture, have these essentials on hand while you venture through your local museums:
What did we miss? If you know a museum that’s not on the list, let us know.