Cheapest Owner Operators Truck Insurance Cost Jeffersonville, Indiana
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Jeffersonville, Indiana. 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 Jeffersonville, Indiana with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Jeffersonville, Indiana 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.
Jeffersonville is a city and the county seat of Clark County, Indiana, United States, situated along the Ohio River. Locally, the city is often referred to by the abbreviated name Jeff. It lies directly across the Ohio River to the north of Louisville, Kentucky, along I-65. The population was 49,447 at the 2020 census.
Jeffersonville began its existence as a settlement around Fort Finney after 1786 and was named after Thomas Jefferson in 1801, the year he took office.
The foundation for what would become Jeffersonville began in 1786 when Fort Finney was established near where the Kennedy Bridge is today. U.S. Army planners chose the location for its view of a nearby bend in the Ohio River, which offered a strategic advantage in the protection of settlers from Native Americans. Overtime, a settlement grew. In 1791 the fort was renamed to Fort Steuben in honor of Baron von Steuben. Then in 1793 the fort was abandoned.
Precisely when the settlement became known as Jeffersonville is unclear, but it was probably around 1801, the year in which President Thomas Jefferson took office. In 1802 local residents used a grid pattern designed by Thomas Jefferson for the formation of a city. On September 13, 1803, a post office was established in the city. In 1808 Indiana’s second federal land sale office was established in Jeffersonville, which initiated a growth in settling in Indiana that was further spurred by the end of the War of 1812.
In 1802, Jeffersonville replaced Springville as the county seat of Clark County. Charlestown was named the county seat in 1812 but it returned to Jeffersonville in 1878, where it remains.
In 1813 and 1814 Jeffersonville was briefly the de facto capital of the Indiana Territory, as then-governor Thomas Posey disliked then-capital Corydon and decided to live in Jeffersonville to be closer to his personal physician in Louisville. The territorial legislature remained in Corydon and communicated with Posey by messenger.
In 1819 the first shipbuilding took place in Jeffersonville, and steamboats would become key to Jeffersonville’s economy. In 1834, James Howard built his first steamboat, named the Hyperion, in Jeffersonville. He established his ship building company in Jeffersonville that year but moved his business to Madison, Indiana in 1836 and remained there until 1844. Howard returned his business to the Jeffersonville area to its final location in Port Fulton in 1849. There is an annual festival held in September called Steamboat Days that celebrates Jeffersonville’s heritage.
As a free state bordering the south, Indiana served as a crucial step along the Underground Railroad. By 1830, Jeffersonville was the first and largest route for fugitives crossing the Ohio River at Louisville. Hundreds of freedom seekers made their way north to Canada through Clark County. There were many instances where Jeffersonville citizens helped fugitives flee enslavement. In the 1850s, Mayors Oswald Wooley and Uriah Damron were arrested for “running off” enslaved people. In 1863, Hannah Tolliver, a black wash woman, was arrested on the Louisville, Kentucky wharf as she attempted to help another woman cross the Ohio River to freedom. Hannah was convicted and became one of seven women inmates at the Kentucky State Prison at Frankfort. Dr. Nathaniel Field moved from Middletown, Kentucky to Jeffersonville in 1829. He was the head of UGRR activity in Jeffersonville, hiding escapees in his cellar during the day and sending them on to the next “station” at night. Field was President of the Indiana Antislavery Society and friend of Levi Coffin, the head of the Underground Railroad at Cincinnati and at Richmond, Indiana.[citation needed]
The Rev. Calvin Fairbank was arrested in Jeffersonville for helping the woman, Tamar, escape. He was tried in Louisville and convicted and spent decades in the Frankfort prison.
During the Civil War Jeffersonville was one of the principal gateways to the South. This was largely due to its location directly opposite Louisville. Three railroads (including the Jeffersonville Railroad and the Ohio and Mississippi Railway) served Jeffersonville from the north, as well as the waterway of the Ohio River. Operating in the South, the Louisville and Nashville Railroad furnished the connecting link between Louisville and the rest of the South. These factors made the city a good location to house supplies and troops for the Union Army.
In 1862, two area regiments established the first military camp in the city. The location was christened Camp Joe Holt, and the name was retained when the camp was converted to a hospital called Joe Holt Hospital.
In September and October 1862, two Confederate armies led by Generals Braxton Bragg and E. Kirby Smith closed in on Louisville, a key strategic prize. General William “Bull” Nelson ordered women and children to evacuate. So many fled across the river to Jeffersonville that the city’s hotels and rooming houses were filled to capacity. On September 24, General Don Carlos Buell and his men managed to reach Louisville barely ahead of the Confederates. The force of 100,000 Union soldiers successfully defended Louisville and forestalled any invasion.
Between 1864 and 1866 Port Fulton (now within Jeffersonville) was home to Jefferson General Hospital, the third largest hospital in the country at that time. The institution was built to replace Joe Holt Hospital and occupied land obtained from U.S. Senator Jesse D. Bright, a Confederate sympathizer. The land stretched down to the Ohio River, facilitating patient transfer from riverboats to the hospital. The facility contained 24 wards each radiating out like spokes on a wheel and all connected by a corridor one-half mile in circumference. Each ward was 150 feet long and 22 feet wide and could accommodate 60 patients. Female nurses and matrons were quartered separately from the men. During its nearly three year existence the institution cared for more than 16,000 patients and served more than 2,500,000 meals.
The Jeffersonville Quartermaster Depot had its first beginnings in the early days of the Civil War as a storage depot for the Union Quartermaster Department. As the war came to a close all military supply depots along the Ohio Valley were shut down (except Jeffersonville’s), and their supplies were stored at the Jeffersonville location. In 1871, the U.S. Army began consolidating operations in the city into four square blocks. Throughout the rest of the 19th century, the Quartermaster Depot continued supplying troops engaged in frontier wars with Native Americans.
On December 17, 1900, Jeffersonville officially opened a new Jeffersonville Township Public Library in a room above the Citizens National Bank. 1400 books formed the initial collection. Soon, the Carnegie Foundation donated $16,000 for the construction of a new library building – a beaux arts, copper-domed landmark. The building was designed by Jeffersonville architect Arthur Loomis. Masonic officials laid the building’s cornerstone on September 19, 1903, in Warder Park. When the Carnegie Library opened in 1905, it contained 3,869 volumes. Whereas in later years grants from the Carnegie Foundation were scaled back to prevent the construction of lavish libraries, the library in Warder Park was relatively ornate.
Due to the Ohio River Flood of 1937, the library suffered a near total loss of its collection. However, it reopened in November 1937 thanks to months of work and donations of money and books.
During World War I, Jeffersonville contributed to the war effort largely through its production capabilities. On the eve of war, the Quartermaster Depot began producing a wide range in items, including saddles, harnesses, stoves, and kitchen utensils. Most famously, though, the depot produced 700,000 shirts per month, earning it the nickname “America’s largest shirt factory.” Meanwhile, the American Car and Foundry Company’s local plant manufactured a variety of products ranging from components for over 228,000 artillery shells to 18,156 cake turners.
Shortly after the war ended in 1918, civilian employment at the Quartermaster Depot fell to 445, and military presence dropped to just ten officers and two enlisted.
For a brief period in the mid-1920s and early 1930s, Roy E. Davis, a founding member of the 1915 Ku Klux Klan, hosted a series of religious revivals in Jeffersonville. He also moved his First Pentecostal Baptist Church there, and held revivals in neighboring states. Meanwhile, he routinely challenged the Jeffersonville Evening News for its depiction of his church, eventually starting a new publication called The Banner of Truth to publicize his services and aid recruitment. Much of his popularity stemmed from his vocal opposition of prohibition.
In 1934, a fire destroyed Davis’s First Pentecostal Baptist Church. After years of legal trouble, Davis was denied a permit to rebuild. He left Jeffersonville, and William Branham – formerly a ministering elder in Davis’s church – became pastor of the congregation. Branham moved the group to a new building, eventually naming it Branham Tabernacle, as it is known today.
Jeffersonville was one of many communities affected by the Ohio River flood of 1937. After record rainfall in mid-January, 90% of the city was flooded, electricity was lost, all roads leading into the city were covered, and a levee failed. The Indiana National Guard deployed to the area to help those displaced, distribute much-needed emergency supplies, inoculate residents for typhoid fever, and purify drinking water. Finally by the end of the month the water began to recede. The flood left an estimated $250 million worth of damage throughout the Ohio Valley.
In the 1930s and 1940s, gambling was instrumental in Jeffersonville’s recovery from the Great Depression and the Flood of 1937. This earned the town the nickname “Little Las Vegas”. During this time, Jeffersonville attracted the likes of Clark Gable, John Dillinger, Al Capone, and others. After Clarence Amster, a New Albany resident was gunned down on July 2, 1937, public sentiment turned against gambling and the mobsters it brought. In 1938, James L. Bottorff was elected judge and announced that gambling would not be tolerated. The Club Greyhound, a major dog racing track known for fixing races, was raided and closed within a year, with others soon following.
Having acquired the Howard Shipyards in 1925, the U.S. Navy awarded the Jeffersonville Boat & Machine Company (later known as Jeffboat) a contract to build boats during World War II. Jeffboat built landing vessels such as the LST, and swelled in number of employees from 200 to 13,000 people. After the war ended, the Navy sold the Howard Shipyard to Jeffboat.
Also during World War II, the Quartermaster Depot, in conjunction with Fort Knox, Kentucky, housed German prisoners of war until 1945.
Jeffersonville ended segregation in its public schools in 1952, two years before the Supreme Court case Brown v. Board of Education ruled that segregation was unconstitutional. Prior to this, Jeffersonville High School was reserved for white high school students. Meanwhile, black students in grades one through twelve were sent to Taylor High School. While the New York Times held up Jeffersonville as a model for all “southern-minded” cities, integration came at a cost. Though black students were allowed to attend the newly integrated Jeffersonville High School, black instructors previously employed at Taylor High School were terminated.
On February 5, 2008 the city of Jeffersonville officially annexed four out of six planned annex zones. The proposed annexation of the other two zones was postponed due to lawsuits. One of the two areas remaining to be annexed was Oak Park, Indiana an area of about 5,000 more citizens. The areas annexed added about 5,500 acres (22 km2) to the city and about 4,500 citizens, raising the population to an estimated 33,100. The total area planned to be annexed was 7,800 acres (32 km). The areas received planning and zoning, building permits and drainage issues services immediately, with new in-city sewer rates. Other services were phased in, such as police and fire, and worked jointly with the pre-existing non-city services until they were available.
The Clark County Courts dismissed the lawsuits against the city on February 25, 2008. This dismissal brought the remaining Oak Park area into the city. The population of the city grew to nearly 50,000 citizens, making it the largest annexation in Jeffersonville’s history.[citation needed]
Conceived in the 1990s and completed in 2014, the Big Four Bridge was converted to a pedestrian bridge in a joint effort between Kentucky and Indiana governments. An average of 1.5 million pedestrians and bicycles cross the roughly-1/2 mile bridge each year. 1/4 mile ramps complete the bridge on each end. The bridge is also decorated with a colorful LED lighting system that operates from twilight to 1 am. The lights can be customized by request.
On the Jeffersonville side of the bridge the city constructed Big Four Station, a plaza and park. The park features green space, fountains, a farmers market on Saturdays, a restroom, a bike-sharing station, a pavilion, a playground, and easy access to downtown shops and restaurants. Big Four Station is also the home of the annual Abbey Road on the River, the largest Beatles-inspired music festival in the world, as well as other annual celebrations.
Jeffersonville is located at 38°17′44″N 85°43′53″W / 38.29556°N 85.73139°W (38.295669, -85.731485).
According to the 2010 census, Jeffersonville has a total area of 34.354 square miles (88.98 km), of which 34.06 square miles (88.21 km2) (or 99.14%) is land and 0.294 square miles (0.76 km) (or 0.86%) is water.
As of the census of 2010, there were 44,953 people, 18,580 households, and 11,697 families living in the city. The population density was 1,319.8 inhabitants per square mile (509.6/km2). There were 19,991 housing units at an average density of 586.9 per square mile (226.6/km). The racial makeup of the city was 80.4% White, 13.2% African American, 0.3% Native American, 1.1% Asian, 1.9% from other races, and 3.0% from two or more races. Hispanics or Latinos of any race were 4.1% of the population.
There were 18,580 households, of which 31.3% had children under the age of 18 living with them, 44.1% were married couples living together, 13.9% had a female householder with no husband present, 5.0% had a male householder with no wife present, and 37.0% were non-families. 30.5% of all households were made up of individuals, and 9.2% had someone living alone who was 65 years of age or older. The average household size was 2.37 and the average family size was 2.95.
The median age in the city was 37.3 years. 23.2% of residents were under the age of 18; 8% were between the ages of 18 and 24; 29.2% were from 25 to 44; 27.5% were from 45 to 64; and 11.9% were 65 years of age or older. The gender makeup of the city was 48.8% male and 51.2% female.
As of the census of 2000, there were 27,362 people, 11,643 households, and 7,241 families living in the city. The population density was 2,014.7 inhabitants per square mile (777.9/km2). There were 12,402 housing units at an average density of 913.2 per square mile (352.6/km). The racial makeup of the city was 82.50% White, 13.68% African American, 0.27% Native American, 0.84% Asian, 0.08% Pacific Islander, 0.65% from other races, and 1.97% from two or more races. Hispanics or Latinos of any race were 1.80% of the population.
There were 11,643 households, out of which 28.8% had children under the age of 18 living with them, 43.3% were married couples living together, 14.8% had a female householder with no husband present, and 37.8% were non-families. 32.1% of all households were made up of individuals, and 10.1% had someone living alone who was 65 years of age or older. The average household size was 2.30 and the average family size was 2.90.
The age distribution was 23.6% under the age of 18, 8.7% from 18 to 24, 31.2% from 25 to 44, 23.8% from 45 to 64, and 12.6% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 92.3 males. For every 100 females age 18 and over, there were 88.6 males.
The median income for a household in the city was $37,234, and the median income for a family was $45,264. Males had a median income of $32,491 versus $24,738 for females. The per capita income for the city was $19,656. About 6.9% of families and 10.1% of the population were below the poverty line, including 13.9% of those under age 18 and 7.2% of those age 65 or over.
A plethora of businesses call Jeffersonville home, including both locally owned and operated companies, as well as national ones. As of 2020, some of the top employers in the city included: Greater Clark County Schools (1600), Clark Memorial Hospital (1500), Clark Memorial Hospital Foundation (1066), Heartland Payment Systems (850), and Republic Bank & Trust of Indiana (721).
Jeffersonville has a variety of restaurants along the river front, downtown, and other areas such as the Quartermaster Depot. These include small bars, restaurants, and fast food chains. Jeffersonville is also the birthplace of the pizza chain Papa John’s Pizza.
Kitchen Kompact manufactures cabinetry in a converted portion of the Quartermaster Depot. The 750,000 square foot facility employs nearly 300 workers with an average tenure of 15 years. They produce around 10,000 cabinets per shift.
Jeffersonville is home to the United States Bureau of the Census’s National Processing Center – the bureau’s primary center for collecting, capturing, and delivering data. The facility comprises approximately one million square feet, and processes millions of forms per year. It also employs 1200 to more than 6000 people, making it one of southern Indiana’s largest employers.
The River Ridge Commerce Center is an industrial zone located on the outskirts of Jeffersonville near Charlestown, Indiana. Built on land previously occupied by the Indiana Army Ammunition Plant, it now hosts a variety of industries. These include manufacturing, aerospace, automotive, food & beverage, life sciences, logistics, and more.
Until 2018, Jeffersonville was the home of Jeffboat, the largest inland shipbuilder in the US. At its peak, the barge manufacturer employed over 13,000 employees. The company closed due to an overproduction of barges, marking the end of 200 years of shipbuilding in Jeffersonville. In 2022, city officials announced intentions to redevelop the 80-acre property.
Jeffersonville public schools belong to the Greater Clark County school system.