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Frame The Importance of

Commercial Truck Insurance in Morristown, 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.

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percent The Commercial Truck

Insurance Agency in Morristown, 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.

Commercial Truck Insurance Morristown, TN

We Put Truckers First Because Others Don't

 Truck Insurance Morristown, TN

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 Morristown, 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

Three plus 3 Safe Driving Tips to

Lower the Cost of Truck Insurance in Morristown, 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.

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 Trucking Insurance Morristown, TN

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 Morristown, TN

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 Morristown, TN

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 Morristown, TN 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 Morristown, TN 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 Morristown, TN 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 Morristown, 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.

 Trucking Insurance Morristown, TN

Latest News in Morristown, TN

Teams surveying damage in East Tennessee after Monday’s severe weather

KNOXVILLE, Tenn. (WATE) — Survey teams conducted storm damage surveys in Knox, Loudon and Jefferson Counties, according to the National Weather Service in Morristown.The NSW Morristown has confirmed that an EF2 tornado struck West Knox County amid Monday afternoon’s severe weather. The ...

KNOXVILLE, Tenn. (WATE) — Survey teams conducted storm damage surveys in Knox, Loudon and Jefferson Counties, according to the National Weather Service in Morristown.

The NSW Morristown has confirmed that an EF2 tornado struck West Knox County amid Monday afternoon’s severe weather. The tornado is the first one reported in the month of August for the area and spanned possibly 200 yards across with winds up to 130 mph.

The surveys also showed that “line winds” were the cause of the damage in both Jefferson and Loudon Counties. Jefferson Country (at the Sevier County line) had winds reaching up to 85 mph. Loudon County had winds reaching up to 75 mph.

NWS sent out survey teams Tuesday morning to assess the damage from severe weather that impacted the three counties Monday afternoon.

An NWS Morristown spokesperson told the WATE 6 On Your Side Storm Team that two survey teams went to conduct damage surveys: One team traveled to Knoxville and another went to Loudon County.

Another NWS team went to Jefferson County to survey the area’s storm damage as well.

The Knoxville team started on Hardin Valley Road and Campbell Station Road and worked their way East. The Loudon County team worked with the Loudon EMA to coordinate a location, NWS Morristown said.

“Please give us time to assess and understand if we can’t answer every call. We’ll do our best.”

On Monday afternoon fallen trees and debris impacted homes and neighborhoods in Knox County and power outages occurred throughout greater Knox County. The area was under a severe thunderstorm warning at the time. No injuries have been reported.

The preliminary report from NWS on the West Knox County EF2 tornado states that the tornado damaged the Lovell Crossing Apartments.

“The National Weather Service office in Morristown TN will continue to assess the damage across the area today,” NWS Morristown stated in its preliminary report.

The final report is expected later Tuesday.

This is a developing story. Download the WATE 6 News app or sign up for our email alerts for updates.

The WATE 6 Storm Team says the weather on Tuesday is expected to be quieter with slightly less humidity with a mix of sunshine and clouds. Rain is expected to return to the area by Wednesday.

Editor’s Note: This story has been updated.

Firefighter injured, man arrested after Morristown building fire, police say

Morristown responders were joined by the the Jefferson City Fire Department to put out the fire, which broke out around 9 p.m. Tuesday, MFD said.KNOXVILLE, Tenn. (WVLT) - The historic Parks-Belk building was likely a total loss after crews responded to a fire there on Main Street, according to the Morristown Fire Department.Morristown responders were joined by the the Jefferson City Fire Department to put out the fire, which broke out around 9 p.m. Tuesday, MFD said. The empty four-story building was reportedly being turned i...

Morristown responders were joined by the the Jefferson City Fire Department to put out the fire, which broke out around 9 p.m. Tuesday, MFD said.

KNOXVILLE, Tenn. (WVLT) - The historic Parks-Belk building was likely a total loss after crews responded to a fire there on Main Street, according to the Morristown Fire Department.

Morristown responders were joined by the the Jefferson City Fire Department to put out the fire, which broke out around 9 p.m. Tuesday, MFD said. The empty four-story building was reportedly being turned into an apartment complex.

WVLT News was on the scene Tuesday night and Wednesday morning to get updates. Morristown Fire Marshal Billy Hale said crews worked to keep the fire from spreading to other buildings on Main Street.

“We’ve seen the need to go to a defensive and surround and drown the actual existing building and protect exposures,” Hale said. “Because you well know, downtown all the buildings are connected. There are fire walls in between; the good news is the fire walls did do their jobs.”

Fire Chief Clark Taylor echoed the sentiment, saying response reduced damage.

“The firefighters did a tremendous job containing this fire through the night. In an environment like our downtown, there is always concern for fire spreading to additional structures, but thanks to this response – including support from the Rescue Squad and the Jefferson City Fire Department – the damage has thankfully been limited considerably,” Taylor said.

Going forward, crews were finishing off some hot spots, which are mostly in the basement of the building.

“At the height of the event, we had four aerial trucks attacking the fire in addition to the firefighters on the ground. We estimate that 3,000 to 4,000 gallons of water per minute were put on the building over the course of several hours,” said Hale.

Those traveling in the area will need to find other routes, as South Cumberland from First North Street to Morris and Main Street from Hill Street to Henry Street are closed.

There’s no official word on what will come of the building, but Mayor Gary Chesney said he expects downtown to recover.

“The professionalism and training of our fire department is second to none,” Chesney said. “Together with the mutual aid support we received, and the valuable firefighting resources Morristown is so fortunate to have, I believe that we have avoided what could have been a much greater tragedy. The loss of this iconic building at the center of the city is certainly tragic, but I have no doubt that the growth and vitality we have seen downtown in recent years will continue. And I am certain that this corner will soon return as a cornerstone to downtown.”

Crews initially told WVLT News that no one was inside the building when the fire broke out, and no injuries were reported.

Later Wednesday, MPD officials said a man was found responsible for the fire and one firefighter was injured while crews fought to contain the fire for more than 12 hours.

Jeffrey Scott Ciccirelli was arrested and charged with arson, reckless endangerment, burglary and vandalism.

“Investigators were able to determine that Cicirelli has been staying at a west end motel for the past several days after his vehicle broke down while traveling,” officials said. “At this time, officers do not think he has any connection to the Morristown area.”

Officers noticed him because while they were securing the scene, he was asking first responders questions.

“The MPD would like to express appreciation to the citizens who came forward with information and all who assisted in this investigation,” officials said.

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Copyright 2024 WVLT. All rights reserved.

‘Breaks your heart’ Morristown residents recall memories of Parks-Belk building after fire

MORRISTOWN, Tenn. (WATE) — Morristown residents are recalling memories of the historic Parks-Belk building following a massive fire. One person has been charged with arson in relation to the fire.Crews responded ...

MORRISTOWN, Tenn. (WATE) — Morristown residents are recalling memories of the historic Parks-Belk building following a massive fire. One person has been charged with arson in relation to the fire.

Crews responded to a fire just after 9 p.m. on Tuesday at the 119-year-old building. They were able to contain the fire on Wednesday after fighting it for more than 12 hours. According to the city of Morristown, Jeffrey Scott Cicirelli, 33, of Michigan, has been charged with arson, reckless endangerment, burglary and vandalism.

“The fire did go up the open stairways and the elevator shafts, to get to the roofs and it eventually just collapsed down through itself,” Morristown Fire Marshal Billy Hale said.

Hale added that the age of the building added to the difficulty of putting out the blaze.

“The timber being soaked with oils back in the day and the years of whatever has gone on in those buildings, the remodels, and things like that there is a heavy load in there,” he said.

Melanie McKinney owns a nearby business. She was preparing for the week when she heard the sounds of glass breaking followed by sirens.

“There was at one point last night that I thought we were going to lose a whole lot more of what we lost,” McKinney said. “I’m glad that it did not spread. At one point there were flames shooting out of the top and there were huge balls of fire floating to other buildings.”

The Morristown Fire Department, with assistance from the Hamblen County Rescue Squad and the Jefferson City Fire Department, was able to contain the fire to the building. A firewall and drone were credited with helping contain the blaze in the single building.

“Every time an adjacent building got a hot spot against a wall, we were able to direct our fire stream to where that was through thermal imaging of the drone,” Hale said.

The staple in downtown Morristown now collapsed along with the years of memories inside of it.

“You see a lot of the pictures and stuff of downtown and it’s there,” Ericka Harville Goode, who owns a nearby business said. “I’ve got childhood memories of going into Parks-Belk, so really it’s sad to see that happen.”

“It breaks your heart, it breaks your heart because it’s such a wonderful building and has a lot of memories for a lot of people,” Susan Pollard said.

The building was vacant and set to be renovated.

“Make it really nice and that would have increased the value of a lot of buildings down here,” McKinney said. “It would have increased the popularity of downtown and so I hate to think of that not happening now.”

At this time, there are no known fatalities or serious injuries, however, one firefighter sustained a minor injury. The cause of the fire is still under investigation. MPD is asking anyone with information to come forward.

EDITOR’S NOTE: This story has been updated with additional information.

Morristown Christmas Parade to be held Thursday

The annual Morristown Christmas Parade will begin at 7 p.m., Thursday.The parade begins near the Morristown-Hamblen Library. This year’s theme is “Christmas in the City.” This year’s parade will be streamed live online at citizentribune.com.Tags Harshbar...

The annual Morristown Christmas Parade will begin at 7 p.m., Thursday.

The parade begins near the Morristown-Hamblen Library. This year’s theme is “Christmas in the City.” This year’s parade will be streamed live online at citizentribune.com.

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Morristown, Tenn. A Local Holiday Treasure

MORRISTOWN, Tenn. (WATE) — The Living East Tennessee crew took a trip to Morristown, Tenn. to explore all the local treasure had to offer. From the two-story downtown strip to one of the oldest restaurants in Tennessee, it’s one place where holiday shopping is a fun experience.Copyright 2024 Nexstar Media Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed....

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