Cheapest Owner Operators Truck Insurance Richmond, Indiana
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Richmond, 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 Richmond, Indiana with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Richmond, 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.
Richmond is a city in eastern Wayne County, Indiana, United States. Bordering the state of Ohio, it is the county seat of Wayne County. In the 2020 census, the city had a population of 35,720. It is the principal city of the Richmond micropolitan area. Situated largely within Wayne Township, its area includes a non-contiguous portion in nearby Boston Township, where Richmond Municipal Airport is located.
Richmond is sometimes called the “cradle of recorded jazz” because the earliest jazz recordings and records were made at the studio of Gennett Records, a division of the Starr Piano Company. Gennett Records was the first to record such artists as Louis Armstrong, Bix Beiderbecke, Jelly Roll Morton, Hoagy Carmichael, Lawrence Welk, and Gene Autry. The city has twice received the All-America City Award, most recently in 2009.
In 1806 the first European Americans in the area, Quaker families from the state of North Carolina, settled along the East Fork of the Whitewater River. This was part of a general westward migration in the early decades after the American Revolution. John Smith was one of the earliest settlers. Richmond is still home to several Quaker institutions, including Friends United Meeting, Richmond Friends School, Earlham College and the Earlham School of Religion.
The first post office in Richmond was established in 1818 with Robert Morrison as the first postmaster. The town was officially incorporated in 1840, with John Sailor elected the first mayor.
Early cinema and television pioneer Charles Francis Jenkins grew up on a farm north of Richmond, where he began inventing useful gadgets. As the Richmond Telegram reported, on June 6, 1894, Jenkins gathered his family, friends and newsmen at his cousin’s jewelry store in downtown Richmond and projected a filmed motion picture for the first time in front of an audience. The motion picture was of a vaudeville entertainer performing a butterfly dance, which Jenkins had filmed himself. Jenkins filed for a patent for the Phantoscope projector in November 1894 and it was issued in March 1895. A modified version of the Phantoscope was later sold to Thomas Edison, who named it Edison’s Vitascope and began projecting motion pictures in New York City vaudeville theaters, raising the curtain on American cinema.
Joseph E. Maddy is credited with founding the country’s first complete high school orchestra at Richmond, and later founded the National High School Orchestra Camp, which became the Interlochen Center for the Arts in Michigan.
Hoagy Carmichael recorded “Stardust” for the first time in Richmond at the Gennett recording studio. Famed trumpeter and singer Louis Armstrong was first recorded at Gennett as a member of King Oliver and his Creole Jazz Band. Many other internationally famous musicians recorded at Gennett’s Richmond facility, including Jelly Roll Morton, Bix Beiderbecke, Duke Ellington, and Fats Waller. Gennett also recorded Klan musicians.
A group of artists in the area in the late 19th and early 20th centuries came to be known as the Richmond Group. They included John Elwood Bundy, Charles Conner, George Herbert Baker, Maude Kaufman Eggemeyer and John Albert Seaford. The Richmond Art Museum has a collection of regional and American art. Many consider the most significant painting in the collection to be a self-portrait of Indiana-born William Merritt Chase.
The city was connected to the National Road, the first road built by the federal government and a major route west for pioneers of the 19th century. It became part of the system of National Auto Trails. The highway is now known as U.S. Route 40. One of the extant Madonna of the Trail monuments was dedicated at Richmond on October 28, 1928. It sits in a corner of Glen Miller Park adjacent to US 40.
Richmond’s cultural resources include two of Indiana’s three Egyptian mummies. One is held by the Wayne County Historical Museum and the other by Earlham College’s Joseph Moore Museum, leading to the local nickname “Mummy capital of Indiana”.
The arts were supported by a strong economy increasingly based on manufacturing. Richmond was once known as “the lawnmower capital” because it was a center for manufacturing of lawnmowers from the late 19th century through the mid-20th century. Manufacturers included Davis, Motomower, Dille-McGuire and F&N. The farm machinery builder Gaar-Scott was based in Richmond. The Davis Aircraft Co., builder of a light parasol wing monoplane, operated in Richmond beginning in 1929.
After starting out in nearby Union City, Wayne Agricultural Works moved to Richmond. Wayne manufactured horse-drawn vehicles, including the “kid hack”, a precursor of the motorized school bus. From the early 1930s through the 1940s, Richmond had several automobile designers and manufacturers. Among the automobiles locally manufactured were the Richmond, built by the Wayne Works; the “Rodefeld”; the Davis; the Pilot; the Westcott; and the Crosley. In the 1950s Wayne Works changed its name to Wayne Corporation, by then a well-known bus and school-bus manufacturer. In 1967 it relocated to a site adjacent to Interstate 70. The company was a leader in school-bus safety innovations, but closed in 1992 during a period of school-bus manufacturing industry consolidations.
Richmond was known as the “Rose City” because of the many varieties once grown there by Hill’s Roses. The company had several sprawling complexes of greenhouses, with a total of about 34 acres (14 ha) under glass. The annual Richmond Rose Festival honored the rose industry and was a popular summer attraction.
On April 6, 1968, an explosion triggered by a natural gas leak destroyed or damaged several downtown blocks and killed 41 people; more than 150 were injured. The event is documented in the book Death in a Sunny Street.
Richmond is located at 39°49′49″N 84°53′26″W / 39.830189°N 84.890668°W.
According to the 2010 census, Richmond has a total area of 24.067 square miles (62.33 km), of which 23.91 square miles (61.93 km2) (or 99.35%) is land and 0.157 square miles (0.41 km) (or 0.65%) is water.
Richmond is located about 12 miles S of Hoosier Hill, the highest point in Indiana.
Richmond is noted for its rich stock of historic architecture. In 2003, a book entitled Richmond Indiana: Its Physical Development and Aesthetic Heritage to 1920 by Cornell University architectural historians, Michael and Mary Raddant Tomlan, was published by the Indiana Historical Society. Particularly notable buildings are the 1902 Pennsylvania Railroad Station designed by Daniel H. Burnham of Chicago and the 1893 Wayne County Court House designed by James W. McLaughlin of Cincinnati. Local architects of note include John A. Hasecoster, William S. Kaufman and Stephen O. Yates.
The significance of the architecture has been recognized. Five large districts, such as the Depot District, and several individual buildings are listed in the National Register of Historic Places, the Historic American Buildings Survey and the Historic American Engineering Record.
As of the census of 2010, there were 36,812 people, 15,098 households, and 8,909 families residing in the city. The population density was 1,539.0 inhabitants per square mile (594.2/km2). There were 17,649 housing units at an average density of 737.8 per square mile (284.9/km). The racial makeup of the city was 83.9% White, 8.6% African American, 0.3% Native American, 1.1% Asian, 0.1% Pacific Islander, 1.9% from other races, and 4.0% from two or more races. Hispanic or Latino of any race were 4.1% of the population.
There were 15,098 households, of which 28.8% had children under the age of 18 living with them, 37.5% were married couples living together, 16.3% had a female householder with no husband present, 5.3% had a male householder with no wife present, and 41.0% were non-families. 34.2% of all households were made up of individuals, and 13.5% had someone living alone who was 65 years of age or older. The average household size was 2.29 and the average family size was 2.91.
The median age in the city was 38.4 years. 22.1% of residents were under the age of 18; 11.4% were between the ages of 18 and 24; 24.4% were from 25 to 44; 25.6% were from 45 to 64; and 16.5% were 65 years of age or older. The gender makeup of the city was 47.9% male and 52.1% female.
As of the census of 2000, there were 39,124 people, 16,287 households, and 9,918 families residing in the city. The population density was 1,685.3 inhabitants per square mile (650.7/km2). There were 17,647 housing units at an average density of 760.2 per square mile (293.5/km). The racial makeup of the city was 86.78% White, 8.87% African American, 0.27% Native American, 0.80% Asian, 0.06% Pacific Islander, 1.09% from other races, and 2.14% from two or more races. Hispanic or Latino of any race were 2.03% of the population.
There were 16,287 households, out of which 27.8% had children under the age of 18 living with them, 43.1% were married couples living together, 13.9% had a female householder with no husband present, and 39.1% were non-families. 33.0% of all households were made up of individuals, and 13.7% had someone living alone who was 65 years of age or older. The average household size was 2.29 and the average family size was 2.89.
In the city, the population was spread out, with 23.4% under the age of 18, 11.0% from 18 to 24, 27.5% from 25 to 44, 21.6% from 45 to 64, and 16.4% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 88.7 males. For every 100 females age 18 and over, there were 84.2 males.
The median income for a household in the city was $30,210, and the median income for a family was $38,346. Males had a median income of $30,849 versus $21,164 for females. The per capita income for the city was $17,096. About 12.1% of families and 15.7% of the population were below the poverty line, including 22.8% of those under age 18 and 10.8% of those age 65 or over.
Richmond is home to four colleges: Earlham College, Indiana University East, Ivy Tech Community College of Indiana, and the Purdue Polytechnic Institute – Richmond. It is also home to two seminaries, the Quaker Earlham School of Religion and Church of the Brethren Bethany Theological Seminary.
Richmond High School includes the Richmond Art Museum and Civic Hall Performing Arts Center. Seton Catholic High School, a junior and senior high school, is a religious high school. It is based in the former home of St. Andrew High School (1899–1936) and, more recently, St. Andrew Elementary School, adjacent to St. Andrew Church of the Richmond Catholic Community.
The Richmond Japanese Language School (リッチモンド(IN)補習授業校 Ritchimondo(IN)Hoshū Jugyō Kō) a part-time Japanese school, holds its classes at the Highland Heights School.
The town has a lending library, the Morrisson Reeves Library.
Richmond is the headquarters of Friends United Meeting, and hosts the Quaker Hill Conference Center, of the Religious Society of Friends (Quakers).
The daily newspaper is the Gannett-owned Palladium-Item.
Full-power radio stations include WKBV, WFMG, WQLK, WKRT, and Earlham College’s student-run public radio station WECI. Richmond is also served by WJYW which is repeated on 94.5 and 97.7. Area NPR radio stations include WBSH in Hagerstown, Indiana, and WMUB in Oxford, Ohio.
Richmond is considered to be within the Dayton, Ohio, television market and has one full-power television station, WKOI, which is an Ion owned and operated station. The city also has one county-wide public, educational, and government access (PEG) cable television station, Whitewater Community Television.
Richmond Municipal Airport is a public-use airport five nautical miles (6 mi, 9 km) southeast of Richmond’s central business district. It is owned by the Richmond Board of Aviation Commissioners. It is also an exclave of Richmond. Richmond’s closest airport with commercial service is Dayton International Airport.
Richmond is served by Interstate 70 at exits 149, 151, 153, and 156. Public transit service is provided by city-owned Roseview Transit, operating daily except Sundays and major holidays.
Established in 1902, Richmond’s Pennsylvania Railroad station was a hub for Pennsylvania Railroad, and later, Penn Central trains into the late 1960s. The last train at the station was Amtrak’s National Limited between Kansas City and New York City, which ended service in 1979. Richmond was also home to a Chesapeake and Ohio Railway station.