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Frame The Importance of

Commercial Truck Insurance in Pensacola, FL

  • 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 Pensacola, FL 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 Pensacola, FL

We Put Truckers First Because Others Don't

 Truck Insurance Pensacola, FL

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 Pensacola, FL

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 Pensacola, FL

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 Pensacola, FL

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 Pensacola, FL

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 Pensacola, FL

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 Pensacola, FL 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 Pensacola, FL 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 Pensacola, FL 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 Pensacola, FL 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 Pensacola, FL

Latest News in Pensacola, FL

Crestview has no trouble against Pensacola Catholic

In what's become a running theme this season, Crestview gave their fans yet another huge win on Monday. They put the hurt on the Pensacola Catholic Crusaders with a sharp 21-6 victory. Crestview's hitters stepped up their game for this one, as that was the most runs they've scored...

In what's become a running theme this season, Crestview gave their fans yet another huge win on Monday. They put the hurt on the Pensacola Catholic Crusaders with a sharp 21-6 victory. Crestview's hitters stepped up their game for this one, as that was the most runs they've scored all season.

Cambell Toolan was a major factor no matter where she played. She looked comfortable on the mound, pitching two innings while giving up no earned runs off two hits (she also didn't allow any walks). Toolan has been nothing but reliable: she hasn't given up more than two hits in three consecutive pitching appearances. Toolan was even better at the plate, scoring two runs and stealing two bases while getting on base in all five of her plate appearances.

In other batting news, Crestview got a massive performance out of Ava Secor, who scored four runs and stole two bases while getting on base in four of her five plate appearances. Another player making a difference was Paige Deitz, who scored three runs and stole a base while going 2-for-2.

On Pensacola Catholic's side, Taylor Robision was cooking despite her team's loss, scoring a run and stealing two bases while going 1-for-2.

The win made it two in a row for Crestview and bumps their season record up to 6-4. As for Pensacola Catholic, they dropped their record down to 5-7 with that loss, which was their fourth straight at home.

Crestview will head out on the road to take on West Florida at 6:30 p.m. on Tuesday. Crestview will be hoping to continue their three-game streak of scoring more runs each matchup than the last. As for Pensacola Catholic, they will get a bit of extra time to process the loss as their next game is a ways off. They'll take on Destin at 6:00 p.m. on April 8th.

Article generated by infoSentience based on data entered on MaxPreps

Softball Game Recap: Pensacola Catholic Crusaders vs. Crestview Bulldogs

If Pensacola Catholic was riding high off their 19-1 takedown of Pensacola last Wednesday, their most recent game may have dampened their spirits a bit. The Pensacola Catholic Crusaders fell victim to a tough 21-6 loss at the hands of the Crestview Bulldogs on Monday. The defeat u...

If Pensacola Catholic was riding high off their 19-1 takedown of Pensacola last Wednesday, their most recent game may have dampened their spirits a bit. The Pensacola Catholic Crusaders fell victim to a tough 21-6 loss at the hands of the Crestview Bulldogs on Monday. The defeat unfortunately continues a disappointing trend for Pensacola Catholic in their matchups with Crestview: they've now lost three in a row.

Taylor Robision made the most of her time at bat despite the final result and scored a run and stole two bases while going 1-for-2.

On Crestview's side, Cambell Toolan made a big impact no matter where she played. She looked comfortable on the mound, pitching two innings while giving up no earned runs off two hits (she also didn't allow any walks). Toolan has been consistent recently: she hasn't given up more than two hits in three consecutive pitching appearances. Toolan was also stellar in the batter's box, scoring two runs and stealing two bases while getting on base in all five of her plate appearances.

In other batting news, Ava Secor was a standout: she scored four runs and stole two bases while getting on base in four of her five plate appearances. Another player making a difference was Paige Deitz, who scored three runs and stole a base while going 2-for-2.

Pensacola Catholic's loss dropped their record down to 5-7. As for Crestview, the win made it two in a row for them and bumps their season record up to 6-4.

Pensacola Catholic will get a bit of extra time to process the loss as their next game is a ways off. They'll take on Destin at 6:00 p.m. on April 8th. As for Crestview, they will head out on the road to take on West Florida at 6:30 p.m. on Tuesday. The last three games West Florida has played have been within two runs, so don't be surprised if it's a close one.

Article generated by infoSentience based on data entered on MaxPreps

Pensacola solar eclipse timeline shows the best time to view this rare cosmic event

Anyone hoping to catch a glimpse of the 2024 total solar eclipse along the Florida Panhandle will likely have one of the ...

Anyone hoping to catch a glimpse of the 2024 total solar eclipse along the Florida Panhandle will likely have one of the best views right here in Pensacola.

The eclipse’s path of totality, where the moon and the sun will appear as the exact size of the sun, allowing it to block the star completely, doesn’t pass anywhere near Florida, but simulated time-lapse shows that the Pensacola area will see about 76.7% of the sun covered by the moon.

This partial eclipse will be visible for approximately 2 hours and 37 minutes. Here’s a look at what you can expect.

When is the eclipse?

The 2024 total solar eclipse is set to occur around 1:27 p.m. on April 8. That’s when the moon’s shadow will begin to pass over Texas. From there, it will spread across portions of the Midwest and East Coast, touching southeast Canada before slipping into the ocean, toward the North Atlantic and Labrador seas.

Eclipse timeline in Pensacola

Here’s a timeline of what Pensacolians will see as the eclipse passes over the Panhandle:

See the 2024 solar eclipse path

What is a total solar eclipse?

A total solar eclipse happens when the moon passes between the sun and Earth, effectively blocking it from our view, according to NASA.

The extent to which the sun is covered depends on where the viewer is. The sun is completely blocked along the path of totality, but will be partially covered in other locations around the world, and others won’t see anything at all.

What does a partial solar eclipse look like?

Imagining what a solar eclipse looks like is easier than you might think — NASA describes the scene as if it were dusk or dawn. The cool part is being able to see the sun partially or fully covered.

Along the path of totality, viewers will likely get to see the sun’s corona, which is the outer atmosphere, if the weather is clear. This part of the sun is typically obscured by its bright light and can even be seen without glasses at its peak.

Viewers looking at the partial eclipse will see something reminiscent of a crescent moon. Given that the sun is only partially covered, viewers will need to purchase and wear eclipse glasses to safely look at the eclipse.

When was the last solar eclipse?

The last total solar eclipse happened in 2017, which makes it seem like this rare cosmic event isn’t so rare. However, the next time we’ll get a chance to see something like this will be 2044, according to NASA.

10-foot great white shark surfaces for 5th time in March, this time off Pensacola, Florida

A 10-foot great white shark, nicknamed Rose, has been a busy swimmer, popping up up in Florida's Gulf Coast waters for the fifth time in March.Rose's OCEARCH tracker shows the shark's latest ping was on Tuesday, March 19, at 8:50 a.m. off the...

A 10-foot great white shark, nicknamed Rose, has been a busy swimmer, popping up up in Florida's Gulf Coast waters for the fifth time in March.

Rose's OCEARCH tracker shows the shark's latest ping was on Tuesday, March 19, at 8:50 a.m. off the coast of Pensacola.

The shark also pinged near St. George Island on March 11 and 18, Cape Coral on March 3 and Sarasota on March 5.

On the way to the Gulf, Rose was tracked off Treasure Coast waters Feb. 17 and 18 and again off Boynton Beach Feb. 19. Rose's tracker shows the predator has been spending winters around the Florida since 2021, including the Gulf of Mexico in 2022 and 2023.

Here's what to know about Rose, OCEARCH and white sharks in Florida.

What to know about OCEARCH great white shark Rose

White shark Rose was tagged by OCEARCH scientists on Oct. 4, 2020, off Lunenburg, Nova Scotia.

According to OCEARCH, the shark was named after Rose Bay near where it was tagged.

At the time, Rose measured 10 feet 5 inches, weighed 600 pounds and was classified as a juvenile female shark.

Great white sharks can grow up to 20 feet long, but most are smaller with adult females averaging 15-16 feet long and males reaching 11-13 feet.

Rose has traveled 15,641 miles since scientists began tracking it in 2020.

Sharks in the Sunshine State:As spring breakers descend on Florida beaches, great white sharks pop up along coast

Great white shark facts

Things to know about white sharks, according to NOAA Fisheries:

Why are great white sharks in Florida?

Great white sharks migrate south when the water gets cold and food sources become scarce up north, according to OCEARCH chief scientist Dr. Bob Hueter.

Think of them as the snowbirds of sharks.

Most of them tend to stay away from the beaches in continental shelf waters, Hueter said.

More about OCEARCH

OCEARCH is a nonprofit research organization studying the ocean's giants.

The group studies great white sharks and other keystone species essential for the health of the oceans.

OCEARCH recently finished up its 46th expedition, dubbed Expedition Southeast. It departed from Jacksonville on Nov. 17 and made its final docking in Morehead City, North Carolina on Dec. 15.

During the expeditions, researchers collected previously unattainable data on the animals' migrations, reproductive cycle, genetic status, diet, abundance, and more.

"If we lose the apex predator (sharks) then we lose all our fish and then there are no fish sandwiches for our grandchildren," OCEARCH founder Chris Fischer told the Courier Journal. "That's oversimplified, of course, but the idea is important because many shark species are threatened by overfishing and a demand for shark fins in Asia. Their dwindling numbers jeopardize ocean habitats."

Most shark attacks happen in Florida

There were 69 documented unprovoked shark attacks around the globe in 2023. The U.S. led the world with 36 attacks and Florida again was the state with the most bites at 16.

Florida shark attacks by county:

While the U.S. has the most attacks, South Africa has the most shark-related fatalities.

Since 1992, there have been 1,232 shark bites worldwide, according to data from floridapanhandle.com, with white sharks credited as the top biters.

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Popular southeast fast-food chain could be opening first Florida location in Ferry Pass

...

Florida’s first Cook Out location could be opening soon in Ferry Pass, according to documents filed with the county.

Currently, the closest operating Cook Outs to Escambia County are located in Mobile and Troy, Alabama, and Albany, Georgia.

The Pensacola Cook Out is planned to be a 1,500 square foot restaurant with a drive-through and 26 total parking spaces on a 1.16-acre parcel that previously held a Regions Bank location, according to the project’s construction plans approved by Escambia County.

The project’s developers are Commercial Site Design, based in North Carolina, and they have been working on getting the new fast-food restaurant built since late 2021, according to the project's filings with Escambia County.

Here’s what we know about Escambia County's first Cook Out coming to Ferry Pass.

Where will the Cook Out be?

The new Cook Out will be built at 1735 E. Nine Mile Road, which was the former location of a Regions Bank. Regions Bank sold the parcel to the Cook Out’s developers for $1.84 million in 2021.

Developers of the new Cook Out restaurant will have to demolish the bank’s existing structures before they can begin construction.

The fast-food restaurant will only be accessible using Baldridge Road, according to the project’s construction plans approved by Escambia County last year.

There are many food options in the area of University Town Center that the new Cook Out will add to, such as Chick-fil-a, Voodoo BBQ & Grill, Sonic and Panera Bread.

Plans for construction were approved by Escambia County’s Development Review Committee last year, but development has not begun due to the developers still needing permits for the project.

What is Cook Out?

Cook Out is an American fast-food chain, often known for its cheap meals and quick service, that originated in Greensboro, North Carolina, in 1989.

The fast-food chain’s signature “Cook Out Trays” offer two entrees, two sides and a beverage as one combo meal. Their menu hosts a range of options from quesadillas and barbecue plates to milkshakes and cajun fries.

Not even a decade after opening, the brand had expanded to 10 locations in North Carolina. By 2008, there were 50 Cook Outs across the state.

Cook Out’s first location outside of North Carolina was built in Spartanburg, South Carolina, in 2010. By this point, the chain had expanded to 74 locations. The same year, Cook Out opened their first store in Virginia and Tennessee respectively.

Cook Out now has more than 200 locations across of the following 10 states:

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