Cheapest Owner Operators Truck Insurance Shaler Township, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Shaler Township, 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 Shaler Township, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Shaler Township, 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.
Shaler Township is a township in Allegheny County in the U.S. state of Pennsylvania. It consists of much of the community of Glenshaw and several neighboring communities. The population was 28,757 at the 2010 census. It is part of the Pittsburgh metropolitan area.
Traders began settling in the Shaler area in the mid-18th century. The most prominent early trader in the area was George Croghan, who came in the early 1740s. By 1754, settlement included the Pine Creek trading post, where Europeans traded fur and skins with the Mingo and other Native Americans in the Ohio Valley. The second early European settlement was Girty’s Run, established by Simon Girty.
The village of Glenshaw, Pennsylvania—at the center of what became Shaler Township—was established in the early 19th century, beginning with a log sawmill built by John Shaw, Sr. after he bought 600 acres (2.4 km) of land north of Pittsburgh in 1800. The area became known as “Shaw’s Glen”, and later Glenshaw. Members of the Shaw family subsequently built a log gristmill, a sickle factory, and a coal mine.
On March 20, 1845, a petition to form a new township from portions of Ross and Indiana townships was presented to the Court of Quarter Sessions. Col. James A. Gibson, Alexander V. Brackenridge and John Murray were appointed as viewers. They reported in favor on June 10 of the same year, although it was two years later on March 20, 1847, that the court decree establishing the township was issued, in the name of Marion. While the township was initially confirmed with the name Marion; on the same day the name was changed to Shaler, after Charles Shaler, a prominent mid-19th century Pittsburgh area judge, who served as President Judge of the 5th District Court in Beaver County. The township is not named for the numerous deposits of shale rock found within its borders; this is instead a common misconception.
At the time of establishment, Shaler Township encompassed all of its current holdings plus the boroughs of Etna, Millvale, and a large tract of Ross Township. By 1868, Shaler lost much of its land to the new boroughs. In 1900, Shaler became one of the early townships to be classified as a township of the first class. The township’s boundaries remain basically the same today as they were in 1900.
Early settlement of the Shaler area was sporadic, with small farming and mercantile villages appearing. These mainly developed in the valleys next to Pine Creek and Girtys Run. At the time of its incorporation, Shaler Township had a population of 2,000; by 1860 it had grown to 16,399. In the late 19th century, the creation of the Glenshaw Glass plant sped up settlement to a certain degree, drawing workers to settle in the vicinity.
From 1907 until 1931 the interurban Pittsburgh and Butler Street Railway passed through the township, linking it with Pittsburgh and Butler.
Following the Second World War Shaler became an affluent suburb with many former City of Pittsburgh residents now populating the Township. Shaler, along with Ross Township, was among the first outer-city areas to develop into the modern suburbs which today define the North Hills region of Allegheny County. Home building and development during this time period was extensive. Shaler remained and still remains a primarily residential municipality, and it was during this period which the Township came to acquire the attributes it still holds today.
Shaler Township is located at 40°31′15″N 79°57′49″W / 40.52083°N 79.96361°W (40.520926, -79.963784). According to the U.S. Census Bureau, the township has a total area of 11.2 square miles (29.0 km2), of which 11.0 square miles (28.5 km) is land and 0.2 square mile (0.5 km2) (1.70%) is water.
Shaler is largely hilly, with three stream valleys which run from the north into the Allegheny River: the valleys of Pine Creek and Little Pine Creek converge in the borough of Etna, while the valley of Girtys Run goes from Shaler into the borough of Millvale.
Shaler Township has eight land borders, including Hampton Township to the north, Indiana Township to the northeast, O’Hara Township to the east, Sharpsburg, Etna (mostly surrounded by Shaler Township) to the southeast, Millvale to the south-southwest, Reserve Township to the southwest, and Ross Township to the west. Shaler also runs catty-corner (without a direct border) with McCandless Township to the northwest. Across the Allegheny River to the south, Shaler runs adjacent with the Pittsburgh neighborhoods of Central and Upper Lawrenceville.
Several portions of the township have Pittsburgh mailing addresses.
As of the census of 2000, there were 29,757 people, 11,932 households, and 8,686 families residing in the township. The racial makeup of the township was 97.9% White, 0.4% African American, 0.1% Native American, 0.9% Asian, 0.02% Pacific Islander, 0.1% from other races, and 0.6% from two or more races. Hispanic or Latino of any race was 0.5% of the population.
There were 11,932 households, out of which 28.6% had children under the age of 18 living with them, 62.1% were married couples living together, 8.2% had a female householder with no husband present, and 27.2% were non-families. 24.4% of all households were made up of individuals, and 12.1% had someone living alone who was 65 years of age or older. The average household size was 2.48 and the average family size was 2.97.
In the township the population was spread out, with 22.0% under the age of 18, 5.6% from 18 to 24, 28.1% from 25 to 44, 25.8% from 45 to 64, and 18.5% who were 65 years of age or older. The median age was 42 years. For every 100 females, there were 91.2 males. For every 100 females age 18 and over, there were 88.5 males.
The median income for a household in the township was $49,118, and the median income for a family was $56,998. Males had a median income of $40,991 versus $29,473 for females. The per capita income for the township was $23,223. About 3.0% of families and 4.6% of the population were below the poverty line, including 4.5% of those under age 18 and 7.0% of those age 65 or over.
