Cheapest Owner Operators Truck Insurance Cost Enterprise, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Enterprise, 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 Enterprise, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Enterprise, 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.
Warren County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 38,587. Its county seat is Warren. The county was established in 1800 from parts of Allegheny and Lycoming counties; attached to Crawford County until 1805 and then to Venango County until Warren was formally established in 1819.
Warren County makes up the Warren, Pennsylvania micropolitan statistical area.
According to the U.S. Census Bureau, the county has a total area of 899 square miles (2,330 km), of which 884 square miles (2,290 km2) is land and 14 square miles (36 km) (1.6%) is water. Notable physical features include the Allegheny River, the Allegheny Reservoir, the Kinzua Dam, and the Allegheny National Forest.
Warren county has a warm-summer humid continental climate (Dfb) and average temperatures in the city of Warren range from 24.5 °F in January to 69.3 °F in July.
There is one Pennsylvania state park in Warren County. Chapman State Park is adjacent to Allegheny National Forest and State Game Land 29 just of U.S. Route 6, near Clarendon. Warren County also contains a tract of old-growth forest called Hearts Content National Scenic Area.
The United States Office of Management and Budget has designated Warren County as the Warren, PA Micropolitan Statistical Area (µSA). As of the 2010 U.S. Census the micropolitan area ranked 14th most populous in the State of Pennsylvania and the 298th most populous in the United States with a population of 41,815.
As of the census of 2000, there were 43,863 people, 17,696 households, and 12,121 families residing in the county. The population density was 50 people per square mile (19 people/km2). There were 23,058 housing units at an average density of 26 per square mile (10/km). The racial makeup of the county was 98.68% White, 0.21% Black or African American, 0.19% Native American, 0.27% Asian, 0.02% Pacific Islander, 0.12% from other races, and 0.52% from two or more races. 0.34% of the population were Hispanic or Latino of any race. 22.2% were of German, 12.4% Swedish, 11.2% American, 10.5% Irish, 8.8% English, 8.2% Italian, and 5.1% Polish ancestry.
There were 17,696 households, out of which 29.80% had children under the age of 18 living with them, 56.10% were married couples living together, 8.40% had a female householder with no husband present, and 31.50% were non-families. 27.20% of all households were made up of individuals, and 12.20% had someone living alone who was 65 years of age or older. The average household size was 2.42 and the average family size was 2.93.
In the county, the population was spread out, with 24.10% under the age of 18, 6.40% from 18 to 24, 27.00% from 25 to 44, 25.90% from 45 to 64, and 16.70% who were 65 years of age or older. The median age was 40 years. For every 100 females there were 96.20 males. For every 100 females age 18 and over, there were 92.80 males.
As of February 21, 2022, there are 26,281 registered voters in Warren County.
per Education Names and Addresses directory which is annually developed by the Pennsylvania Department of Education, 2016
Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and, in at most two cases, towns. The following cities, boroughs and townships are located in Warren County:
Census-designated places are geographical areas designated by the U.S. Census Bureau for the purposes of compiling demographic data. They are not actual jurisdictions under Pennsylvania law.
Some communities are neither incorporated nor treated as census-designated places.
The population ranking of the following table is based on the 2010 census of Warren County.
† county seat
41°49′N 79°16′W / 41.81°N 79.27°W
