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Insurance Agency in Lancaster, SC 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
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- 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 Lancaster, SC
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
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 Lancaster, SC 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 Lancaster, SC
Lancaster County looks to fast-track plans for a sales tax hike to help fix roads
It’s a go-big, go-fast approach to fix Lancaster County roads. It’s also a plan that puts county voters in the driver seat.Lancaster County Council directed county staff to fast-track work that could lead to a new penny sales tax to fund road projects. Lancaster County has an 8% combined sales tax now. The proposed increase would add Lancaster to a list of Berkeley, Charleston and the Myrtle Beach portion of Horry as the only counties with a state high of 9%.It may sound like ...
It’s a go-big, go-fast approach to fix Lancaster County roads. It’s also a plan that puts county voters in the driver seat.
Lancaster County Council directed county staff to fast-track work that could lead to a new penny sales tax to fund road projects. Lancaster County has an 8% combined sales tax now. The proposed increase would add Lancaster to a list of Berkeley, Charleston and the Myrtle Beach portion of Horry as the only counties with a state high of 9%.
It may sound like Pennies for Progress in York County to voters, but has some key differences. One of those involves a decision needed from the state on whether Lancaster County could charge the extra penny.
“I’m in favor of the full one cent, especially if there is a targeted road projects (list) that voters can support,” said Councilman Terry Graham. “But I think before we even discuss it any more we need to know whether the attorney general is going to allow it.”
Lancaster County has a longstanding 1% capital project sales tax approved by referendum. The state allows a similar 1% transportation tax if voters approved it.
Until last year, counties had to pick between them. A state legislative change now allows counties to put both on ballots.
Lancaster County, though, also has a 1% local option sales tax. County attorney Ginny Merck-Dupont said that adding a penny for transportation would make Lancaster the only county in South Carolina with three locally imposed penny sales taxes (the other 9% counties have a state imposed tax).
The attorney reached out to the state attorney general’s office this week for an expedited opinion on whether Lancaster County can move forward with the transportation penny.
Councilman Allen Blackmon said the tight timeline needed to put a referendum question on a fall 2024 ballot means the county should get started now. Identifying and pricing roads doesn’t need state approval.
“If (the state attorney general) comes back and says no, we still have some pretty good ideas of what’s needed anyway,” Blackmon said. “If we hesitate... we just kick it down the road and it takes a long time to get anything done.”
Jeff Catoe, county public works director, presented council with the transportation tax option in January and again this summer. Without it, or something like it, Catoe said there isn’t a way to keep up with road needs.
“We have a lot of future needs already that have been identified, but (have) absolutely no funding source,” Catoe said.
The county has about 1,400 miles of publicly maintained roadway. About 900 miles belong to the South Carolina Department of Transportation. The rest belongs to the county or municipalities. From 2018 to 2024, Catoe said, existing road funding sources combine to pave about 100 miles of road.
August 21, 2023 7:00 AM
Needs are most pronounced in one of the fastest growing areas in the region, the Indian Land panhandle.
“Growth effects everything,” Catoe said, “including the roadways.”
Widening of U.S. 521 or Charlotte Highway, Harrisburg Road, Henry Harris Road, and area bridge replacements in the panhandle, would cost more than $200 million, Catoe said.
That doesn’t even get below the panhandle, or to municipal roads that cost more than $650,000 a mile to upgrade. Roundabouts, a proven option to help traffic in several places already, come in at about $2 million each, Catoe said.
Like new home subdivisions that pop up regularly along the panhandle, the cost of road work continues to increase. Planning, getting right of way, approvals and construction can take years or even decades depending on the scope of road jobs. All as costs increase.
“If we had the money today we couldn’t start the project for two or three years, so you’ve got to project,” Catoe said. “You’ve got to work real hard to get your estimates on that.”
That process never begins, Catoe said, without a dedicated funding source.
Pennies for Progress in York County works similar to the existing capital projects penny in Lancaster County.
The difference is Lancaster County uses that tax for municipal facilities with a smaller road component, while York County focuses entirely on roads. Pennies for Progress was the first tax of its kind when York County voters approved the first campaign in 1997.
On the same night Lancaster County Council told staff to move forward on its transportation penny Wednesday, a citizen commission met in York County to narrow the list of roads for its next referendum. Pennies 5 will go to voters on the same November 2024 general election Lancaster County now aims for with its transportation tax referendum.
Pennies began holding community meetings early this year and has been at some stage of planning for the 2024 vote for well more than a year.
Lancaster County hopes to play catch up in mere months. “It’s fast,” Catoe said. “That’s a lot of work.”
Lancaster County would use its existing transportation committee and county staff to determine road projects and costs from January to April 2024. The three-vote county council approval would have to start in May at the latest to get an approved ballot question to the voter registration office by August.
That tight timeline would give the county September and October 2024 for an education campaign on the proposal, ahead of a November vote.
Lancaster County has some choice in the new penny proposal. York County taxes a penny for seven years, then returns to voters with a new project.
Lancaster County could charge the full cent or just part of it. Voters could approve it for up to 25 years.
Blackmon said he hates the idea of three penny taxes, but likes the idea voters get to choose. “I’m only in favor of this if the voters are in favor of it,” Blackmon said.
Dennis Marstall, county administrator, said the existing capital sales tax ends in five years so it may be only a few years where buyers see all three taxes. If voters choose to extend the capital sales tax that pays for items like detention center or park space, they can. Same with the transportation penny, Marstall said.
Council members Wednesday night largely favored the 25-year proposal for the transportation penny.
Councilman Brian Carnes said the full penny amount is preferable, too, when the estimated $15 million a year it would generate is just a fraction of what the Charlotte Highway project in Indian Land alone might cost.
“If you don’t go for the whole penny, you’re basically putting all your eggs in one basket and nobody else is going to get benefit from it,” Carnes said.
There are “super projects” that will have significant costs, many of them in Indian Land, Carnes said. But there are also neighborhood roads that need paving across the county.
York County combined to put more than $1 billion of road improvements on the ground from the first four Pennies campaigns.
Not all of that money came from residents. Anyone who travels through the county to buy gas or other goods, contributes. Plus, Pennies money can be used to match federal or other funds for large projects. The state infrastructure bank alone pumped tens of millions of dollars into the area.
Carnes would expect similar options in Lancaster County.
“You got to have money to match,” Carnes said. “And if you got money to match, you’re in the front of the line. If you don’t have money, you don’t even need to be talking to them about it.”
This story was originally published October 13, 2023, 1:17 PM.
John Marks graduated from Furman University in 2004 and joined the Herald in 2005. He covers community growth, municipalities, transportation and education mainly in York County and Lancaster County. The Fort Mill native earned dozens of South Carolina Press Association awards and multiple McClatchy President’s Awards for news coverage in Fort Mill and Lake Wylie.
Hundreds of new Lancaster County homes were approved, but not built. Now they’re back
Two approved-but-never-built neighborhoods in Lancaster County are back, with reignited plans to add hundreds of homes.Both return to the county planning commission Oct. 17 after prior approvals lapsed. County planners recommend both, again.Property owner Riverchase Estate Partners and LGI Homes applied for a major preliminary plat approval — a review and signing off on plans — for the third section of Riverchase in Lancaster County. Those plans...
Two approved-but-never-built neighborhoods in Lancaster County are back, with reignited plans to add hundreds of homes.
Both return to the county planning commission Oct. 17 after prior approvals lapsed. County planners recommend both, again.
Property owner Riverchase Estate Partners and LGI Homes applied for a major preliminary plat approval — a review and signing off on plans — for the third section of Riverchase in Lancaster County. Those plans involve 251 new homes on 806 acres north of Riverside Road’s intersection with Cobblestone Way.
The larger full Riverchase project is just below the base of the Lancaster County panhandle. It’s between Riverside Road and the Catawba River, between Van Wyck and Landsford Canal State Park. In 2008, Lancaster County approved a development agreement that allowed for about 1,200 to 1,900 new residences depending on whether they used septic or sewer service. That agreement allowed a 20-year buildout.
Development since, though significant, hasn’t reached those totals. The first phase of 375 homes is still under construction. Adding the 251 new lots would bring the total to about half of the original number allowed.
The county approved the second phase plan in May with conditions. Those conditions include lot width, setback, road design and other modifications. A 60-day deadline for those conditions lapsed, meaning the project has to return for planning commission review.
The new plan includes more than 470 acres of open space. If approved, the homes will be at least a little more expensive than if they were built in previous years. The 2008 agreement included a developer commitment of $4,900 per home to the county, similar to the development impact fees used in the area’s other fast-growing communities. That cost would increase by 3% or more annually, up to $9,000. The current figure is more than $8,000.
A submitted site plan shows the new homes just north of the first phase, along a bend in the Catawba River. There’s a rounded drive entrance to a gate off of Riverside Road. New roads ending in three cul-de-sacs run along a rail line in the area.
The second subdivision plan up for a reapproval is near Edgewater Golf Club.
The planning commission approved a preliminary plat for The Pinery at Edgewater in April 2021. Civil plans were approved in August 2021. This past August, as the two-year vested rights period allowing the project to move forward came to an end, county staff visited the site on the east side of Catawba Ridge Boulevard but found no significant progress being made.
Now the neighborhood, formerly known as Bridlewood West, is up for an extension of that vested rights period. Builder True Homes indicated to county planning staff there’s work at that site and others within the Edgewater development that made the Pinery piece take longer.
The 78-acre property would have 181 new home lots. It’s directly across from the eastern end of Edgewater Parkway.
Lancaster County School District announces new superintendent
WSOCTV.com News Staffhttps://www.wsoctv.com/news/local/lancaster-county-school-district-announces-new-superintendent/K7IGCXUNIZFEDM6KNXRKZCC6UM/
LANCASTER, S.C. — The Lancaster County School District Board of Trustees unanimously voted to select Dr. Raashad Fitzpatrick as the next superintendent of the district.The decision was made during a board meeting on Tuesday.He will replace Jonathan Phipps, who is retiring.Several Lancaster County parents said they are hoping to see a change in this school district with the newly selected superintendent.“It’s time for something new,” said parent Robert Albert.He said he’s happy ...
LANCASTER, S.C. — The Lancaster County School District Board of Trustees unanimously voted to select Dr. Raashad Fitzpatrick as the next superintendent of the district.
The decision was made during a board meeting on Tuesday.
He will replace Jonathan Phipps, who is retiring.
Several Lancaster County parents said they are hoping to see a change in this school district with the newly selected superintendent.
“It’s time for something new,” said parent Robert Albert.
He said he’s happy that new leadership is coming to Lancaster County Schools.
Albert, who has three daughters in school, said he wants something done about overcrowded classrooms.
“My girls don’t get the one-on-one attention that they should,” Albert said. “So, we kind of have to supplement it at home or they have to go to tutoring and whatnot.”
Channel 9 asked Fitzpatrick how he would address overcrowding.
“We just need to make sure that we focus on the needs of the school with the growth in the district to ensure that we have the space for students to learn and to be successful,” Fitzpatrick told Channel 9.
He didn’t go into specifics but there’s more he’ll have to get up to speed on, including a proposed school bond referendum.
Albert said he wants more transparency regarding it.
“They need to state exactly what it’s going to do what it’s for, and address the growth, you know,” Albert said.
Fitzpatrick said he would defer the bond issue to the school board.
“I know that the school district and the board are working really hard on this particular issue,” he said.
Fitzpatrick will be the first Black superintendent since the district consolidated in 1962.
“It’s definitely an honor to be the first in anything that you do but you know, my focus is coming in working and helping the students and the district be successful,” he said.
Fitzpatrick will start as superintendent in January.
“The board had a difficult decision with five strong finalists. I am confident that Dr. Fitzpatrick will serve the Lancaster County School District well. We are excited to move forward to do what is best for the education of our students,” said Board Chair Brad Small.
School officials said Fitzpatrick currently serves as assistant to the superintendent and district ombudsman for Greenville County Schools. Prior to this, he served as the principal of Gaffney High School and Carver Middle School.
He also served as an assistant principal at Spartanburg High School and Whitlock Jr. High School. He was a social studies teacher, as well as an assistant coach at Chesnee High School.
“I am excited to serve as superintendent in the Lancaster County School District. I look forward to helping build on the current success in Lancaster County schools while creating new opportunities for greater student achievement. We will fulfill the vision of “putting students first” by providing excellent experiences in academics, athletics, activities, and the arts. I invite all stakeholders to join me as we prepare our students for the future. I want to thank the school board for giving me the chance to lead in such a wonderful district,” Fitzpatrick said in a news release.
VIDEO: Parents petition for Chester County Schools superintendent to step down
Parents petition for Chester County Schools superintendent to step down
New Lancaster County School District Superintendent Ready to Take District to the Next Level
LANCASTER, SC (WBTV) - Lancaster County School District (LCSD) will soon have a new leader. The school board unanimously voted to give the job to Dr. Raashad Fitzpatrick. He will be the first African American to serve as LCSD top educator. He currently serves as Assistant to the Superintendent and District Ombudsman in the Greenville County School District in South Carolina. His role as District Ombudsman was something board members liked. District leaders heard parents say they wanted the next superintendent to be able to effectively commun...
LANCASTER, SC (WBTV) - Lancaster County School District (LCSD) will soon have a new leader. The school board unanimously voted to give the job to Dr. Raashad Fitzpatrick. He will be the first African American to serve as LCSD top educator. He currently serves as Assistant to the Superintendent and District Ombudsman in the Greenville County School District in South Carolina. His role as District Ombudsman was something board members liked. District leaders heard parents say they wanted the next superintendent to be able to effectively communicate with them. Dr. Fitzpatrick tells WBTV he will be working together with parents to do what’s best for kids.
“Parents can expect from me honesty,” New LCSD Superintendent Dr. Raashad Fitzpatrick said. “Being open and being transparent. Parents can expect for me to seek their input in district decisions. And anytime that you are making a decision that impacts someone - it’s great to get their input.
Dr. Fitpatrick has a lot of years in the education profession. He has been an educator for the past 25 years including 22 years as an administrator. He attended WV State University majoring in secondary education, then received his M.A. in Leadership Studies from Marshall University and earned his doctorate degree in Educational Administration from South Carolina State University. He also did some coaching. He says when he saw the superintendent position opening at LCSD - he was immediately interested.
“It’s a county that is growing,” he said. “And an area that is growing really fast. And it’s an area that is very diverse with the student population, geographic and socioeconomic...I see the potential and I just feel like that I’d be a good fit and wanted to have an opportunity to join the team to help the district continue to grow and continue to work towards success.”
Fitzpatrick says he will be a school leader that will have the ability to adjust and focus on different issues at the same time. He also says he will show the consistency needed to take the district to the next level. His priority is to make sure students are college and career ready once they graduate from Lancaster County School District.
“I definitely want Lancaster to be the number 1 school district in the state of South Carolina,” Fitzpatrick said. “One of the top school districts in the nation and in the Southeast.”
The new superintendent start job in January.
Copyright 2023 WBTV. All rights reserved.
Will Indian Land get new schools as population soars? Here’s what has to happen first
A lot still has to happen before Indian Land, or Lancaster County, gets new schools from a bond referendum. And this summer, a lot is happening.A bond subcommittee for the Lancaster County school board met last week to outline plans ahead of an anticipated public vote in March. It was the fourth meeting for the group, to discuss details that will be laid out for the full school board when it meets July 11.“This is not something that, I want folks to understand, is in stone,” said school board member and subcommittee...
A lot still has to happen before Indian Land, or Lancaster County, gets new schools from a bond referendum. And this summer, a lot is happening.
A bond subcommittee for the Lancaster County school board met last week to outline plans ahead of an anticipated public vote in March. It was the fourth meeting for the group, to discuss details that will be laid out for the full school board when it meets July 11.
“This is not something that, I want folks to understand, is in stone,” said school board member and subcommittee facilitator Melvin Stroble. “It gives us a guideline. Milestones to attempt to achieve through this process.”
If the full school board approves, a facility needs committee could be set up by July 19. A 14-member committee would include participants from each voting district in the county. That committee would present recommendations to the bond subcommittee, which would present to the full school board.
“The facility needs committee is, we believe, is critical in this process to ensure that we are continuing to gain community input and feedback in this process,” Stroble said.
The bond subcommittee isn’t committing to specific projects before the facility needs group does its work. Yet, there are obvious need areas. Indian Land is one of the fastest-growing areas in the Carolinas. Earlier in the week at a medical facility ribbon cutting, state Rep. Mike Neese noted how Indian Land transitioned from an area that didn’t have a grocery store to what now would be, if incorporated, the eighth largest city in the state.
Mary Beth Braham with architectural firm LS3P, a company approved by the school board for design work, mentioned several potential projects that have come up already in discussion about the bond next spring. Braham mentioned a new elementary and middle school for Indian Land at 1,000 students each, an elementary school in Lancaster for 600 students, a gym at Andrew Jackson High School and athletic upgrades in Buford. The subcommittee also mentioned a land sale in Indian Land at Wednesday’s meeting.
Nothing about that list if final or official.
“Clearly these are just the beginning points, of ideas,” Braham said.
If the bond plan progresses, the subcomittee would hear back from the facility needs committee on Aug. 2. The school board could select bond council in executive session on Aug. 15 and recommendations could be finalized on Aug. 30 for presentation to the school board. A public comment period would follow and draft wording on a bond referendum question could follow on Oct. 17.
If all those steps transpire, a bond referendum vote would come March 26, 2024.
The bond process this time is similar to one from 2016. Then, almost $200 million in bond money paid for a new high school and elementary school in Indian Land and land for the high school along with a host of upgrades at schools countywide.