Cheapest Owner Operators Truck Insurance Cost Center City, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Center City, Pennsylvania. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Center City, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Center City, Pennsylvania in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Center City includes the central business district and central neighborhoods of Philadelphia. It comprises the area that made up the City of Philadelphia prior to the Act of Consolidation, 1854, which extended the city borders to be coterminous with Philadelphia County.
Greater Center City is defined as being located between Girard Avenue and Tasker Street. The area has grown to the second-most densely populated downtown area in the United States after Midtown Manhattan in New York City with an estimated 202,100 residents in 2020 and a population density of 26,284 per square mile.
Center City is bounded by South Street to the south, the Delaware River to the east, the Schuylkill River to the west, and Vine Street to the north. The district occupies the old boundaries of the City of Philadelphia before the city was made coterminous with Philadelphia County in 1854. The Center City District, which has special powers of taxation, has a complicated, irregularly shaped boundary that includes much but not all of this area, and also extends beyond it. The Philadelphia Police Department patrols four districts located within Center City – the 6th, 9th, 3rd and 17th districts.
Among Center City’s neighborhoods and districts are Penn’s Landing, Old City, Society Hill, South Street, Washington Square West, Market East, Chinatown, Logan Square, the Museum District (located along the Benjamin Franklin Parkway), Rittenhouse Square, Fitler Square, the Avenue of the Arts (South Broad Street), and Jewelers’ Row.
Center City is home to most of Philadelphia’s tallest buildings, including Philadelphia’s City Hall, the second-tallest masonry building in the world and until 1987 the tallest in Philadelphia, as well as the tallest building in the world for seven years. In March 1987, One Liberty Place broke the gentlemen’s agreement not to exceed the height of the statue of William Penn atop City Hall. Upon the completion of One Liberty Place, no Philadelphia major-league sports team won a world championship for the next two decades, a phenomenon known as the “Curse of Billy Penn.” In an effort to reverse the curse, a three-foot statue of Penn was affixed to the top of the Comcast Center upon its completion as the city’s new tallest building in 2007. On October 29, 2008, the Philadelphia Phillies won the 2008 World Series, ending the “curse”.
Seven other skyscrapers now exceed the height of Penn’s statue, including One Liberty Place’s little sister, Two Liberty Place. The Comcast Center, which was completed in 2007, became the tallest building in Pennsylvania, 30 feet taller than One Liberty Place. In 2018, the Comcast Technology Center opened, which is now the tallest building in Philadelphia and the tallest building in the United States outside of Manhattan and Chicago. 1441 Chestnut, which is currently under construction, is also slated to be taller than City Hall. The first publicly accessible vantage point higher than City Hall opened at One Liberty Observation Deck on the 57th floor of One Liberty Place in 2015.
Other Center City skyscrapers include the BNY Mellon Center and the Three Logan Square, which houses a traffic camera used by the Philadelphia branch of the Westwood One MetroNetworks traffic service.
Across the street from City Hall is the Masonic Temple, the headquarters of the Grand Lodge of Pennsylvania, a legacy of the Founding Fathers and signers of the Declaration of Independence, many of whom were Freemasons; these include George Washington and Benjamin Franklin. While Philadelphia’s population declined between 1990 and 2000, Center City’s population increased by 10% over that same period.
In 2007, the city designated the area bound by 11th Street, Broad Street, Chestnut Street and Pine Street as the Gayborhood.
Sunoco has its headquarters in the BNY Mellon Center. Cigna has its corporate headquarters in 2 Liberty Place. Aramark is headquartered in Center City. Comcast is headquartered in the Comcast Center. The law firm Cozen O’Connor has its headquarters in Center City. Kogan Page has its United States offices in Center City.
Lincoln National Corporation moved its headquarters from Indiana to Philadelphia in 1999. In Philadelphia Lincoln was headquartered in the West Tower of Centre Square in Center City. In 2007 the company moved 400 employees, including its top executives, to Radnor Township from Philadelphia.
Center City is home to some of the largest and most prominent buildings in the United States, including:
The Philadelphia Fire Department operates five fire stations in Center City:
The Federal Bureau of Prisons Northeast Region Office is in the U.S. Custom House, a part of the Independence National Historical Park, in Old City, Center City.
The William J. Green Jr. Federal Building houses the Federal Bureau of Investigation Philadelphia Field Office.
The Consulate-General of Italy in Philadelphia is located in the 1026 Public Ledger Building at 150 South Independence Mall West. The Consulate-General of Panama in Philadelphia is located in Suite 1 at 124 Chestnut Street. The Consulate of Mexico in Philadelphia is located in Suite 310 of the Bourse Building off of Independence Mall.
The Consulate-General of the Dominican Republic in Philadelphia was located in Suite 216 in the Lafayette Building at 437 Chestnut Street. It closed on November 7, 2005. The Consulate-General of Israel in Philadelphia was located on the 18th Floor at 1880 John F. Kennedy Boulevard. Israel closed the Philadelphia consulate in 2016.
Residents of Center City are included within the School District of Philadelphia. From the 1940s to the opening of what is now known as the Greenfield School in 1954, many residents attended public schools in other areas and private schools due to the low number of public schools in Center City.
In 2005, to stanch the flight of middle-class families, the school district and the Center City District, an economic development agency, started a program that promoted public schools in Center City (including Rittenhouse Square and Society Hill) and adjacent areas in Fairmount, Northern Liberties, and South Philadelphia.
K-8 schools that have attendance boundaries in Center City and areas around Center City include:
Neighborhood high schools for Center City and the Center City area, located outside of Center City, include:
Other high schools include:
Combined middle and high schools include:
Charter schools not operated by the School District of Philadelphia include:
The Roman Catholic Archdiocese of Philadelphia operates the following Roman Catholic parochial schools in the Center City area :
Other private schools in the Center City area include:
The Free Library of Philadelphia operates the Parkway Central Library at 1901 Vine Street, the Independence Branch at 18 South 7th Street, the Philadelphia City Institute on the first floor and lower level of an apartment complex at 1905 Locust Street, and the Library for the Blind and Physically Handicapped at 919 Walnut Street.
Middle States Association of Colleges and Schools is headquartered in Center City.
Center City Philadelphia is home to some of the nation and world’s leading cultural institutions. Avenue of the Arts, a city-designated cultural district, includes Kimmel Center for the Performing Arts, which houses the Philadelphia Orchestra, a Big Five orchestras) and the Academy of Music, home of the Philadelphia Ballet and Opera Philadelphia. The avenue is home to multiple theatres, including the Miller, Suzanne Roberts, and Wilma theatres. Forrest Theatre is also located in center city, at 1114
Walnut Street.
Mütter Museum, a medical museum, is located in center city at 19 S. 22nd Street.
Center City Philadelphia has a vast number of restaurants, bars, and nightclubs. McGillin’s Olde Ale House, at 1310 Drury Street, is one of the nation’s oldest pubs (founded in 1860).
Center city streets and bridges include Benjamin Franklin Bridge, which connects the city with Camden, New Jersey, and Benjamin Franklin Parkway, a one-mile long parkway that runs from Philadelphia City Hall to the Philadelphia Museum of Art. Three major center city streets are Broad, Market, and South Streets.
There is a 500,000+ sq ft underground pedestrian concourse that connects many of the center city Septa stations to businesses and office buildings. Primarily running under Market Street and Broad Street, the concourse spans east to west from 8th street to 18th street and north to south from John F. Kennedy Boulevard to Spruce Street.
Amtrak’s primary Philadelphia station, 30th Street Station, is located immediately west of Center City, just across the Schuylkill River. SEPTA Regional Rail trains, New Jersey Transit Atlantic City Line trains, Market-Frankford Line trains, and subway-surface line trolleys also service 30th Street Station, and both Megabus and BoltBus stop on streets adjacent to the station.
As of 2016 Taiwanese airline China Airlines provides a private bus service to and from John F. Kennedy International Airport in New York City for customers based in the Philadelphia area. This service previously stopped in Center City in front of the Marriott Hotel.
The Center City Residents’ Association, originally formed in 1947 to prevent Rittenhouse Square from being turned into a parking lot, is a primary advocate for quality of life issues in Center City. Other community organizations of this type include Logan Square Neighborhood Association, Society Hill Civic Association, South of South Street Neighborhood Association, Washington Square West Civic Association, and the Queen Village Neighbors Association.
39°57′07″N 75°09′50″W / 39.952°N 75.164°W
