Cheapest Owner Operators Truck Insurance Cost South Philadelphia, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost South Philadelphia, 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 South Philadelphia, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in South Philadelphia, 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.
South Philadelphia, nicknamed South Philly, is the section of Philadelphia bounded by South Street to the north, the Delaware River to the east and south, and the Schuylkill River to the west. A diverse working-class community of many neighborhoods, South Philadelphia is well-known for its large Italian-American population, but it also contains large Asian American, Irish-American, African-American, and Latino populations.
South Philadelphia began as a satellite town of Philadelphia, with small townships such as Moyamensing and Southwark.
Towards the end of the First Industrial Revolution, the area saw rapid growth in population and urban development. This expansion was in part due to an influx of working class laborers and immigrants looking for factory jobs and dock work, as well as the first wave of mass immigration of Irish refugees or impoverished immigrants from Ireland in the wake of the Great Irish Hunger. South Philadelphia’s urbanized border eventually expanded to reach that of Philadelphia proper, or what is today known as Center City Philadelphia. Along with all other jurisdictions in Philadelphia County, South Philadelphia became part of the City of Philadelphia proper with passage by the Pennsylvania legislature of the city–county Act of Consolidation, 1854.
The area continued to grow, becoming a vital part of Philadelphia’s large industrial base and attracting immigrants from Italy, Ireland, Poland and many Southern European and Eastern European countries during the late 19th and early to mid 20th centuries, as well as Black American migrants from the southern United States during the Great Migration of the early 20th century. The immigrants and migrants became the basis of South Philadelphia’s unique and vibrant culture that developed over the next several decades. Struggling to maintain their Catholic identity in a mostly Protestant city, the Irish built a system of Irish Catholic churches and parochial schools for their children, including Catholic high schools. The later immigrant populations of Italians and Poles were also Catholic. Initially, these populations attended existing Catholic churches but built their own ethno-national churches when possible. However, the more established Irish-American ethnic community controlled the Catholic clergy and hierarchy for decades in Philadelphia and throughout the region, often excluding the more recent Italian (and, to a lesser extent, Polish) populations from participating in the church hierarchy.
In addition to the influx of Catholic immigrants to the majority Protestant city of Philadelphia, many Polish Jews and other Jews from Central and Eastern Europe settled in South Philadelphia during the first half of the 20th century, especially in the diverse area now known as Queen Village where Jewish immigrants lived among Catholic Polish immigrants, Irish-Americans, and Italian immigrants. A smaller but significant Greek immigrant community also flourished around this time, leading to the establishment of Greek Orthodox parishes in South Philadelphia. Despite this dramatic growth in population, the low funding of education by the city resulted in the first public high school not being formed in South Philadelphia until 1934.
Attracted to the industrial jobs, the new residents of South Philadelphia created communities that continued many of their Old World traditions. While many of the new arrivals were Catholic, neighborhood parishes reflected their ethnic and national traditions. Monsignor James F. Connelly, the pastor of the Stella Maris Catholic Church and an editor of the 1976 work The History of the Archdiocese of Philadelphia, said in a 2005 Philadelphia Inquirer article that each parish church “offer the immigrants the faith they were familiar with.” With the dramatic loss of industrial jobs during mid-20th century restructuring, there were population losses in South Philadelphia as well as other working-class parts of the city, and some neighborhood Catholic schools had to close.
Today, many of South Philadelphia’s communities are largely Italian Americans. Many of these communities contain both older and more recent Italian immigrants and Italian speakers, and Italian saint festivals and cultural celebrations, including the South 9th Street Italian Market festival, are popular in the South Philadelphia Italian-American communities. In addition, South Philadelphia continues to be home to many ethnic Irish American communities and African American communities. Both Irish American and African American communities can be found in the neighborhoods of Grays Ferry and Southwest Center City, while the nearby neighborhood of Point Breeze is largely African American and is often considered the center of the South Philadelphia’s African American communities. The neighborhood of Pennsport remains primarily a working class Irish-American neighborhood and the cultural center of Irish-American South Philadelphia. An increase in late 20th-century and early 21st-century immigration has given South Philadelphia significant populations from Asia, particularly Southeast Asia, including populations from Vietnam, Cambodia, Indonesia and Thailand. In addition, there has been an increase in recent years of immigrants from Russia, Mexico and Central American nations such as Honduras, Guatemala and El Salvador. Today, many vendors that work alongside the Italian-Americans at the Italian Market are of Asian descent and Mexican or Central American descent, and Vietnamese, Thai, Mexican, and Central American restaurants are interspersed with historic Italian restaurants in the Market area. The recent revitalization of Center City Philadelphia and the subsequent gentrification of adjacent neighborhoods has also led to dramatic rises in prices of housing in the neighborhoods of historic Queen Village, Bella Vista, and some other northern parts of South Philadelphia, leading to an influx of young urban professionals in those more northern neighborhoods.
Many of the community clubs that create the annual Mummers Parade every New Year’s Day have traditionally been from South Philadelphia, especially those located on the largely Irish Americans S. 2nd Street (“Two Street”) in the Pennsport neighborhood.
Portions of South Philadelphia are within Philadelphia City Council Districts 1 and 2. As of 2014 Councilman Mark Squilla and Councilman Kenyatta Johnson represent the two districts.
The Philadelphia Fire Department operates nine fire stations serving South Philadelphia. Most of South Philadelphia resides in Fire Battalion 1, headquartered at 711 South Broad Street. Portions of South Philadelphia reside in Battalion 4, headquartered at North 4th Street and Arch Street, and Battalion 11, headquartered at 43rd Street and Market Street.
The Philadelphia Police Department patrols three districts located within South Philadelphia. The three patrol districts serving South Philadelphia are the 1st, 3rd and 17th districts.
According to the United States Census Bureau, South Philadelphia has an area of 9.7 sq. miles, all land.
The South Philadelphia Planning Analysis Section is bounded by South Street on the north and the Delaware and Schuylkill Rivers to their confluence. The portions on either side of Broad Street are known as South Philadelphia West and South Philadelphia East.
In 2010, the area’s population was 168,782. Though mostly known for its large Italian population, South Philadelphia contains a diverse population of Italians, Irish, African Americans and Mexicans, as well as growing populations of Vietnamese, Chinese, Cambodian, Indonesian, Thai and Central Americans. In addition, the area contains smaller but historically significant Greek and Jewish communities.
On January 22, 2010 the Associated Press said “South Philadelphia has been growing more diverse for decades, but the last 20 years have seen the greatest influx of Asian and Hispanic families.” David Elesh, a Temple University urban sociologist, said that of the almost 60,000 Philadelphia residents who reported being born in China, many lived in South Philadelphia.
As of the 2010 Census, there are 168,782 people in 78,440 housing units. The population density is 16,771 people per square mile. 46.6% of the population is male, and 53.4% is female. The South Philadelphia area comprises the zip codes of 19145, 19146, 19147 and 19148.
The largest and oldest Italian immigrant settlements in Philadelphia are in South Philadelphia. Though rare and small in size, some early Italian immigrant settlements appeared in South Philadelphia prior to the 1890s; however, these small settlements generally consisted of a few skilled workers, merchants, and artists from Genoa and other wealthier areas of Northern Italy. In contrast, beginning in the 1890s, the vast majority of Italian immigrants that settled in Philadelphia came from impoverished regions of Southern Italy, with most Italian immigration to Philadelphia occurring in the 20th century. Though Italians in Philadelphia emigrated from various Southern Italian regions, most Italians in Philadelphia emigrated from or have origins in three main areas: the previously combined regions of Abruzzo and Molise; the city of Messina in Sicily and the surrounding province; and Salerno and Avellino in Campania. To this day, dialects from those regions mixed with English are spoken in many South Philadelphia households and neighborhoods.
Italians in South Philadelphia experienced widespread discrimination from the larger majority populations of Philadelphia. For example, Italian neighborhoods in South Philadelphia were heavily redlined for decades specifically due to their Italian-American demographics. However, Italian-Americans in South Philadelphia have contributed greatly to the culture of Philadelphia, establishing the Italian Market, creating both the cheesesteak and the hoagie, and introducing Italian roast pork sandwiches, water ice, tomato pie and pizza to the cuisine of Philadelphia. Recently, some Italian-American South Philadelphians have moved to Southern New Jersey. However, the Italian-American population in Philadelphia remains the second largest in the country. South Philadelphia is 20% Italian according to the ACS 2013.
In 1852, the first Italian Catholic parish in the United States, St. Mary Magdalen de Pazzi, was founded by pre-mass immigration Italians. Donna J. Di Giacomo, author of Italians of Philadelphia, wrote that this church “was a hallmark of the neighborhood and touched many a South Philadelphia Italian’s and Italian American’s life in one way or another for generations.”
Much of South Philadelphia’s Irish population is located in the eastern part of the South Philadelphia, specifically Pennsport and Whitman. Pennsport, which is also locally referred to as “Two Street”, is arguably the most well known Irish neighborhood in South Philadelphia. Pennsport is also home to many of the city’s Mummers clubs, where some are known for their Irish American themes. Other Irish neighborhoods are located in the northwestern area of South Philadelphia, including Grays Ferry, Devil’s Pocket and areas of Girard Estate, Southwest Center City and Schuylkill.
Philadelphia’s large Irish community, however, is more prominent in other sections of the city, most notably Northeast Philadelphia.
As of 2000 the largest Mexican community in Philadelphia was in the area bounded by Front Street, 18th Street, Oregon Avenue and Washington Avenue in South Philadelphia. As of 2011 most Mexicans in South Philadelphia originate from the state of Puebla.
African Americans have lived in South Philadelphia since the early 19th century at the very least, though the city of Philadelphia proper was home to a significant population of freed and fugitive slaves from at least the 18th century onward. The majority of the current African American population in South Philadelphia, however, is descended from Southern migrants who moved into the city in high numbers during the first Great Migration in the early 20th century. South Street was originally considered the cultural and commercial center of this community, though the community became increasingly concentrated to western areas below South Street, including Point Breeze, Southwest Center City, Schuylkill and Grays Ferry. Point Breeze and South Street particularly served as Philadelphia’s “Harlem” during the first half of the 20th century. The first police station and fire station staffed by African Americans were located on South Street. Famous South Philadelphians include opera contralto Marian Anderson and musicians Kenny Gamble and Chubby Checker. The Odunde Festival, arguably the largest street festival in Philadelphia, is an African-American celebration that is held annually in the South Street area. As of 2013, those who identified as “Black alone” or in combination with another ethnicity totaled 45,482 persons living in the zip codes 19145, 19146, 19147 and 19148. The African American population in South Philadelphia has historically constituted between 25% and 30% of South Philadelphia’s population – 27% “Black alone” and in combination with another ethnicity, as of a 2013 population estimate.
SEPTA’s Broad Street Line subway services South Philadelphia and provides quick access to Center City and North Philadelphia. A number of SEPTA bus routes also serve South Philadelphia, ferrying commuters to and from Center City and the surrounding neighborhoods and suburbs.
I-95 runs north and south through South Philadelphia and, in this area, provides commuters with access to Philadelphia International Airport, I-76, the South Philadelphia Sports Complex and the Walt Whitman Bridge. The Girard Point Bridge section of I-95 crosses over the mouth of the Schuylkill River, where it merges with the Delaware River.
I-76 becomes the Schuylkill Expressway at Passyunk Avenue in South Philadelphia and allows access between this section of the city and University City, Center City, 30th Street Station and the western suburbs.
In addition, PA Route 291 serves as a major artery between the area and Delaware County, crossing the Schuylkill River via the Platt Bridge, named for Medal of Honor recipient George C. Platt. Broad Street is part of PA Route 611.
South Philadelphia is served by unprotected bike lanes on many streets going in all directions. Snyder Avenue has unprotected bike lanes going East and West. Columbus Boulevard has North and South bike lanes which are separated from automobile traffic from Reed Street to Center City. 22nd Street provides Northward lanes for cyclists. Some streets such as 11th Street have both Bike lanes and Sharrows or Shared lane marking. In 2022, Washington Avenue east of Broad Street was transformed into a multimodel road with protected bike lanes and pedestrial crossings. The span of Washington Avenue west of Broad Street underwent repaving and minor changes to bike lanes.
As of 2016 two Taiwanese airlines, China Airlines and EVA Air, provide private bus services to and from John F. Kennedy International Airport in New York City for customers based in the Philadelphia area. These bus services stop in South Philadelphia.
The Italian-American Mafia family known as the Philadelphia crime family is active in the area, maintaining much of its operations in South Philadelphia. The African-American Black Mafia and its offshoot, the Junior Black Mafia, have also had a presence in the Point Breeze section of South Philadelphia since the late 1960s.
Historical gangs include the Italian Philadelphia poison ring as well as the Lanzetta brothers, a gang of six Italian-American brothers who were drug traffickers and bootleggers. All six brothers were born in the Third Ward of South Philadelphia. South Philadelphia (along with Atlantic City) was a part of their territory, in which they fought with rival bootleggers William Michael “Mickey Duffy” Cusick and Joe Bruno during Prohibition.
Angelo Bruno, who was boss of the Philadelphia Crime Family, was murdered in front of his house at 10th and Snyder Avenues in 1980.
Residents are with the School District of Philadelphia’s South District. Zoned public high schools in South Philadelphia include South Philadelphia High School, Audenried High School, and Furness High School.
Academy at Palumbo, Girard Academic Music Program and The Philadelphia High School for the Creative and Performing Arts (CAPA), all public magnet schools, are in South Philadelphia-at 11th and Catharine Streets, 21st and Ritner Streets, and Broad and Carpenter Streets, respectively.
The Mastery Charter Schools system operates the Thomas School (grades 7-12) in South Philadelphia. It was formerly the district school Thomas Middle School, and shares a campus with a district elementary school, D. Newlin Fell School, at 9th Street and Oregon Avenue.
Saints John Neumann and Maria Goretti Catholic High School is in South Philadelphia. It is a merger of the former Saint John Neumann High School and the Saint Maria Goretti High School. In addition, there are several Catholic elementary schools in South Philadelphia, usually tied to a local parish church. In 2010 South Philadelphia Catholic elementary schools had 2,572 students, a decline by 27% from the 2006 figure.
Philadelphia Free School, patterned on the Sudbury school model, is located at the intersection of 21st and Christian Streets.
Free Library of Philadelphia operates six branches in South Philadelphia: Charles Santore, Fumo Family, Queen Memorial, South Philadelphia, Thomas F. Donatucci Sr. and Whitman. Prior to its 1999 reopening in a new building, the Fumo Branch was known as the Ritner Children’s Branch.
South Street has long been considered the border between South Philadelphia proper and Center City. It originally ran east and west (although traffic is now routed east one-way). Many bars, nightspots, shops and restaurants are located along this neon-lit hotspot, with occasional live music venues (including the Theatre of Living Arts) along the way.
The intersection of 9th Street and Passyunk Avenue is home to the regionally famous Geno’s Steaks and Pat’s King of Steaks cheesesteak shops, fierce competitors in the local deli market for decades. Also, nearby is the city’s open-air Italian Market, specializing in fresh produce, meats and other foods. It is lined by specialty shops, such as butchers, bakeries and cheese/grocery stores, as well as one for kitchen goods, and new cafes and coffee houses. The area was featured in the film Rocky and its sequels. This is the heart of an annual street festival celebrating the neighborhood’s food.
Among the largest landmarks in South Philadelphia is the South Philadelphia Sports Complex at the corner of Broad Street and Pattison Avenue. Here, the Philadelphia Phillies (professional baseball), Philadelphia Eagles (professional football), Philadelphia 76ers (professional basketball), Philadelphia Flyers (professional ice hockey), Philadelphia Soul (professional arena football), Temple Owls (college football) make their home in the massive state-of-the-art sports arenas surrounding the well-known intersection: Citizens Bank Park, Lincoln Financial Field and the Wells Fargo Center. Also located at the sports complex is Xfinity Live! Philadelphia, a dining and entertainment complex.
The sports complex was once home to Veterans Stadium (The Vet) which stood from 1971 to 2004; John F. Kennedy Stadium, which stood from 1925 to 1992; and the Spectrum, which was in use from 1967 to 2009 and was demolished in 2011. The NovaCare Complex, located on Pattison Avenue just west of the stadium area, serves as the practice facility of the Philadelphia Eagles. They now play at Lincoln Financial Field.
Live! Casino & Hotel Philadelphia is located in South Philadelphia near the South Philadelphia Sports Complex. The casino has over 2,100 slot machines and electronic table games, 150 table games, a poker room, and a sportsbook. The complex also has a 12-story hotel, dining, entertainment, and an event center. The South Philadelphia Race & Sportsbook operated by Parx Racing is located in South Philadelphia near the South Philadelphia Sports Complex, offering off-track betting and sports betting.
The American Swedish Historical Museum is located in Franklin Delano Roosevelt Park.
The Philadelphia Naval Shipyard is located in this section of town along the Delaware River. For decade during the World Wars and after, the shipyard was a major employer, whose craftsmen built new ships and repaired and maintained existing ones. With the decline in the military uses, the area is being redeveloped by the Navy and city for a variety of business and industrial uses.
The Sunoco oil corporation bases its headquarters along South Philadelphia’s Passyunk Avenue.
A refurbished area of South Philadelphia alongside Columbus Boulevard/Delaware Avenue (near the Walt Whitman Bridge), Columbus Commons, provides big box shopping and chain restaurants.
Washington Avenue, between 16th St. on the west and Front St. on the east, is home to many Asian businesses, including Vietnamese, Chinese and Korean. Among these are restaurants of all types, two large Asian supermarkets, jewelers and a wide variety of specialty shops.
Passyunk Avenue, running on a diagonal from Broad Street to South Street, is a formerly thriving consumer district currently undergoing revitalization efforts. Within the past few years, several coffeeshops, restaurants and bars have opened which appeal to the younger population beginning to live in the area. In addition, a farmers’ market is held on Wednesday nights at one of the squares.
2300 Arena (better known as the ECW Arena) at the corner of Swanson Street and Ritner Street is a venue known for hosting boxing and professional wrestling events.