Cheapest Owner Operators Truck Insurance Cost Midlothian, Virginia
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Midlothian, Virginia. 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 Midlothian, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Midlothian, Virginia 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.
Midlothian ( mid-LOH-thee-ən) is an unincorporated area and Census-designated place in Chesterfield County, Virginia, U.S. Settled as a coal town, Midlothian village experienced suburbanization effects and is now part of the western suburbs of Richmond, Virginia south of the James River in the Greater Richmond Region. Because of its unincorporated status, Midlothian has no formal government, and the name is used to represent the original small Village of Midlothian and a vast expanse of Chesterfield County in the northwest portion of Southside Richmond served by the Midlothian post office.
The Village of Midlothian was named for the early 18th-century coal mining enterprises of the Wooldridge family. Incorporated in 1836, their Mid-Lothian Mining and Manufacturing Company employed free and enslaved people to do the deadly work of digging underground. Midlothian is the site of the first commercially-mined coal in the Colony of Virginia and North America.
By the early 18th century, several mines were being developed in Chesterfield County by French Huguenots and others. The mine owners began to export the commodity from the region in the 1730s. Midlothian-area coal from Harry Heth’s Black Heath mines heated the U.S. White House for President Thomas Jefferson. The transportation needs of coal shipping stimulated construction of a paved toll road (Virginia’s first), the Manchester Turnpike in 1807; and the Chesterfield Railroad, Virginia’s first, in 1831; each traveled the 13 miles (21 km) from the mining community to the port of Manchester, just below the Fall Line of the James River. In 1850, the Richmond and Danville Railroad built Coalfield Station, a freight and later passenger depot, near the mines.
In the 1920s, the old turnpike was straightened and became part of the new east-west U.S. Route 60. A few decades later, residential neighborhoods were developed in Southside Richmond near Midlothian, including the large Salisbury community and the Brandermill planned development sited on Swift Creek Reservoir. In the 21st century, Midlothian extends many miles beyond the original village area. State Route 288 connects the community with Interstate 64 and the State Route 76 “Powhite Parkway” toll road, and Interstate 95 in the Richmond metropolitan area’s southwestern quadrant.
Midlothian is located in the Piedmont geologic region of the state, and is made up of mainly a hilled, fertile land (it is somewhat of a plain.) It is located on the Richmond Basin, which is one of the Eastern North America Rift Basins. It contains some sedimentary rock and bituminous coal.
The Midlothian area serves as the headwaters to a number of creeks which ultimately contribute their waters to the flow of the James River. These include Swift Creek and Falling Creek. The Swift Creek Reservoir serves as the major source of fresh water for the county.
As of 2020, the district of Midlothian had a total population of 72,711 consisting of 26,206 households. The population was 69.6% White (50,584), 13.9% Black (10,095), 4.4% Asian (3,203), 0.3% Native American (206), 0.05% Pacific Islander (41), 4.7% of other races (3,412) and 7.1% of two or more races (5,170). People of Hispanic or Latino origin, of any race, made up 8.9% of the population (6,496).
In 2019, the median household income was $89,851.
Midlothian was ranked #37 in CNNMoney’s list of “The Best Places to Live” in 2005 and #99 in 2008.
At the turn of the 21st century, a group of area business professionals formed an independent organization called the Western Chesterfield Business Alliance, which in 2013 was renamed the Midlothian Business Alliance.
Midlothian is an unincorporated area of Chesterfield County. The area is represented by an elected district supervisor on the county’s board of supervisors. The position has been held by Mark S. Miller, Ph.D. since 2022.
In 2004, completion of State Route 288 connected Midlothian to the circumferential highway network of greater Richmond Region. Development was controversial, and some residents wanted to avoid the scale seen in Northern Virginia. After years of discussion, in March 2006 Chesterfield County approved intensive zoning for the Watkins Centre, promoted as a large, mixed-use office complex and retail “lifestyle center” at the intersection of Route 288 and U.S. 60, 2 miles (3.2 km) west of the Village of Midlothian.
With the addition of the multimillion-dollar Bon Secours Hospital, St. Francis, Midlothian has a major hospital within five minutes of Midlothian’s highest concentration of residents.
James River High School, part of Chesterfield County Public Schools located in Midlothian, won the President’s Blue Ribbon School of Excellence Award in 2000. In 2015, Cosby High School, also located in Midlothian, received this recognition.
The origins of the name of Midlothian are subject to debate.
A prevalent story is that the name came from two brothers from East Lothian and West Lothian in Scotland who founded a village. For the name of the village they decided to name it after their respective homelands and a compromise was made, thus making the name of Midlothian.
This local legend is based in some truth. The two brothers who were said to have founded the village were likely Abraham Salle and Dr. Archibald Logwood Wooldridge (often called A. S. and A. L. Wooldridge). They, along with their two sisters, Jane Elam and Charlotte Wooldridge, incorporated a mining company called the Midlothian Coal Mining Company in 1835. This company’s lands consisted of most of the present-day land south of Midlothian Turnpike in the village of Midlothian and is thought to have given its name to the village. The name of the coal company came from the Midlothian tract of land that was one of the two tracts that made up the company’s original land holdings of 404 1/2 acres. The name of the tract came from a house that was located there and was owned by the Wooldridge family. The first Wooldridge in America, and the one who had assembled most of the Midlothian area lands, John Wooldridge came in the late 17th century from England. However, his ancestors in England had connections with the region of Midlothian in Scotland, and it is from here that the name is originally derived.
The village had not always been called Midlothian. In the late 1700s, the area was listed on maps simply as “Coal Mines” and later came to be known as Coalfield. The modern-day Coalfield Road is a remnant of this name. The station where the Richmond and Danville railroads cut through the village was called Coalfield Station. It was first built in 1850 later to be destroyed in 1864 during the Civil War. The second Coalfield Station was built two years later in 1866 to be finally demolished in 1957. The station stood at the intersection of Salisbury Drive and the railroad. The US Post Office established at the station had the name of Midlothian. This reflected the importance of the Midlothian Coal Mining Company. By the late 1800s, the area had ceased to be called Coalfield and was referred to as Midlothian.
Before the arrival of Europeans in the 17th century, the area had been populated for thousands of years by various cultures of Native Americans. Among these in historic times were the Siouan-speaking Monacan tribe. They often came into conflict with the Algonquian-speaking members of the Powhatan Confederacy, who were generally located to the east in the Virginia Tidewater area.
In 1700 and after, French Huguenot settlers, who were Protestant, came to the area in the Virginia Colony to escape Catholic religious persecution in France. Most came from London, where they had resettled as refugees. Although the Crown had offered the French land in Lower Norfolk County, the governor of the colony and William Byrd offered them the village of Manakin Town, which had been abandoned by the Monacan. Byrd and the governor intended to use the French as a buffer settlement, and thought they would be easier to control apart from the English. The location was about 20 miles (32 km) above the head of navigation on the James River at what became Richmond. The French, many of whom were artisans and merchants, struggled to survive on the isolated frontier. The terrain was hilly and largely wooded, and shipping of farm products such as tobacco crops was not easy.
The greater natural resource in the Midlothian area was coal, and the area was ultimately developed with coal mining and railroads. About 10 miles (16 km) west of the fall line of the James River at present-day Richmond is a basin of coal, which was one of the earliest mined in the Virginia Colony. Scots settlers with mining skills began to mine this resource in the 18th century. Many coal-related enterprises in the Midlothian area of Chesterfield County began early in the 18th century.
In 1846, Chesterfield County’s first Black church, First Baptist Church of Midlothian, was founded. It was rebuilt in 1877 after a fire, and the reconstruction included a small one-room building to be the first public school for Black children in the area.
The Village area of today’s Midlothian started as a settlement of coal miners in the 18th century which were among the oldest mining shafts in the United States. In 1709, Midlothian produced the first commercially mined coal in the United States. Among other participants in the area’s emerging coal business was Colonel Henry “Harry” Heth, a businessman who emigrated from England about 1759. He established offices at Norfolk and Manchester, where several generations of his family were also involved in the business.
During the American Revolution, coal produced in the Midlothian coal pits supplied the cannon factory on the James River at Westham, upstream from Richmond; it produced shot and shells for the Continental Army. By the end of the War, developers shipped Chesterfield coal to Philadelphia, New York, Boston and to every city in Virginia. Commenting on the area’s coal in his Notes on the State of Virginia (1781–82), then-Governor Thomas Jefferson stated: “The country on James river, from 15 to 20 miles above Richmond, and for several miles northward and southward, is replete with mineral coal of a very excellent quality.” During his presidency, Jefferson ordered coal from the Black Heath Mine in Midlothian for use in the White House.
In 1989 the Chesterfield County Board of Supervisors approved a special area plan for Midlothian Mines Park, partly as a response to economic growth along Midlothian Turnpike resulting in population explosion. The core of the new “Special Area Plan” was based on the boundary of the plan of 1989 and extended westward to Route 288 as a natural boundary, and a map of the Midlothian community special area plan boundary was provided by John G. Ownby for the Richmond Times-Dispatch. Midlothian Mines Park, on the site of the first commercially-mined coal deposits in the Colony of Virginia, first opened for visitors in 2004. The Special Area Plan was updated in 2019.
In 1802, a petition to form the Manchester Turnpike Company was created by mine owners and investors. They wanted the construction of a macadam toll road at least 30 feet wide from Manchester to Falling Creek bridge. The toll road, Manchester and Falling Creek Turnpike, was built in 1804 to ease traffic on what is now Old Buckingham Road. Farm and passenger wagons were allowed to only pay the toll one-way, however coal wagons were to pay half toll on return due to the wear the heavy wagons would create on the road. It was graveled in 1807, making it Virginia’s first hard-surfaced road. The road’s descendant is known today as Midlothian Turnpike.
By 1824, an estimated 70 to 100 wagons, each of which was loaded with four or five tons of coal, made a daily trip on the turnpike, transporting to the docks near Manchester the million or more bushels (30,000 metric tons) of coal that were produced in Chesterfield County each year. The heavily loaded coal wagons tended to cut deep ruts in the turnpike, raising clouds of dust in summer and churning the road into mud in the rainy season. As there were few options for shunpiking, citizens whose faster buggies dawdled along behind the lumbering wagons urged the state legislature to do something about it—a canal, a better road, but something.
The result was the Chesterfield Railroad, a 13 miles (21 km) mule- and gravity-powered line that connected the Midlothian coal mines with wharves located at Manchester, directly across from Richmond. Partially funded by the Virginia Board of Public Works, the railroad began operating in 1831, the first in the state. By 1852, the newer, steam-driven Richmond and Danville Railroad (R&D) began operation to Coalfield Station, later renamed Midlothian; it quickly supplanted the slower Chesterfield Railroad. In a financial reorganization in 1894, the R&D line through Midlothian became part of the Southern Railway system. It is now part of Norfolk Southern Railway. According to the 1895 Virginia atlas, the population of Midlothian was 375.
In the 20th century, coal mining declined. The area became less populated, remaining largely wooded with farms scattered along mostly rural and dirt roads. Gradually, post-war construction of the highway network and the growth of metropolitan Richmond brought subdivision residential development. When the Swift Creek Reservoir was created in 1965, the availability of water and sewer service accelerated residential growth, with Brandermill built in 1975.
In 1988, an extension of the Powhite Parkway and widening of Midlothian Turnpike and Hull Street Road (U.S. Route 360) provided much-needed highway infrastructure. The area continued to attract new residents as farm and forest lands were redeveloped into residential subdivisions. The expansion of the area assigned to the Midlothian post office caused a much larger area to be assigned to have a “Midlothian” ZIP code on their address. As a result, many address locations within Chesterfield County that are far away from the original Midlothian village on U.S. Route 60 have “Midlothian” as their preferred place name. Chesterfield County’s Midlothian Community Special Area Plan defines the Midlothian community as roughly the area between the Village of Midlothian and Lucks Lane to the south.
Chesterfield County Historic Landmarks near the Midlothian Village include:
An exhibit on local mining history in the Chesterfield Museum includes a length of iron rail from the incline railway, the first in Virginia.
Midlothian is the inspiration for the fictional town of Middlesex, Virginia in the cult film Donnie Darko. “It’s meant to be a stylized, satirical, comic book, fantasyland version of what I remember Midlothian, Virginia to be, I guess,” filmmaker Richard Kelly has explained.