Cheapest Owner Operators Truck Insurance Warminster, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Warminster, 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 Warminster, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Warminster, 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.
Warminster Township (also referred to as Warminster) is located in Bucks County, Pennsylvania, United States. It was formally established in 1711. The township is 13.7 miles north of Philadelphia and had a population of 33,603 according to the 2020 U.S. census.
The town was called Warminster Township as early as 1685, before its borders were formally established in 1711. It was originally part of Southampton Township, which was founded in 1682 by William Penn. Warminster was named after a small town in the county of Wiltshire, at the western extremity of Salisbury Plain, England. Warminster, Pennsylvania was mostly settled by English and Scotch-Irish colonists after William Penn received a grant of land in the area from King Charles, II. It was the site of the Battle of Crooked Billet during the Revolutionary War, which resulted in a resounding defeat for George Washington’s colonial troops.
Warminster’s Craven Hall is included in the National Register of Historic Places listings in Bucks County, Pennsylvania. Warminster’s most significant historical figure was William Tennent, an outspoken religious leader and educator.
Warminster began as a small farming community, and agriculture was central to most of its history. The first steamboat model was designed and made in Warminster township. John Fitch and Steven Pagano were the inventors and designers of the model steam boat that was tried out on the Delaware river and successfully floated.
During World War II, the U.S. Navy acquired an industrial site here from the Brewster Aeronautical Corporation in 1943. The Center initially served as a weapons development and airplane testing facility. The Naval Air Warfare Center, previously called the Johnsville Naval Air Development Center and then the Naval Air Development Center, operated in Warminster from World War II until it closed in 1996. As recently as 1955, the township had no residential subdivisions and only one housing complex, Lacey Park off County Line Road.
In the 1960s the naval site became adapted as a training center for the Mercury, Gemini, and Apollo space programs. The facility also developed a prototype “black box,” best known as the indestructible recorder of cockpit conversations and information in the event of a crash.
Warminster Township is 3.7 miles northwest of Philadelphia at their closest points and has a total area of 10.2 square miles (26.5 km), all land. Warminster is drained by the Delaware River tributaries of the Neshaminy Creek and the Pennypack Creek. Its villages include Babytown, Breadysville (also in Warwick Township,) Casey Highlands, Davisville, Hartsville (also in Warwick Township), Johnsville, Rosewood Park, Warminster, and Warminster Heights.
As of the 2010 U.S. census, Warminster Township had a population of 32,682 people. The racial makeup of the township was 89.3% White, 3.1% African American, 0.2% Native American, 1.9% Asian, 0.1% Pacific Islander, 3.7% from other races, and 1.8% from two or more races. Hispanic or Latino of any race were 7.7% of the population.
Warminster Township is governed by a five-member Board of Supervisors, currently:
Public schools (part of the Centennial School District):
Warminster Township’s Recreation Services Division provides many events and community services, including overseeing and maintaining 420 acres (170 ha) of recreation areas within 13 parks. Sports teams, including soccer, football, basketball, swimming, wrestling, baseball, and softball are provided by various adult and youth sports organizations throughout their respective seasons. The township has partnered with the Central Bucks YMCA starting in January 2015 to offer many of the recreational programs previously offered by the township. The Parks and Recreation Department also offers discount tickets to amusement parks, attractions, ski resorts, and movies.
Warminster Community Park is the largest of the township’s parks at 243 acres (98 ha), with over five miles of walking trails. Other facilities at Warminster Community Park include nature areas, basketball courts, a playground, pavilion, picnic area, pond, restrooms, and soccer fields. Warminster Community Park is also home to Bark Park, a fenced-in, off-leash dog park. Also located at Warminster Community Park is Safety Town, a miniature version of Warminster Township where children can ride tricycles and big wheels. The miniature town is sponsored by local businesses, who appear on the storefronts of buildings, and has signs and pavement markings to teach children the rules of the road.
Small neighborhood parks make up the bulk of the other parks in Warminster Township. Smaller parks in the township include Barness Park, a 14-acre (5.7 ha) park which has a walking trail and nature area; The Crossing, a 14-acre (5.7 ha) park which has a walking trail, a playground, open space, and nature area; Crooked Billet Green, an 8.2-acre (3.3 ha) park which has basketball courts, a playground, and a softball field; Devonshire Court, a 6.8-acre (2.8 ha) park which has open space and a nature trail; Ivy Woods, a 12-acre (4.9 ha) park which is undeveloped; Kemper Park, a 30-acre (12 ha) park which has walking trails, nature areas, picnic areas and pavilions, a playground, and a softball field; Log College Park, a 26.6-acre (10.8 ha) park which has a basketball court, tennis court, nature areas, a playground, and grass volleyball courts; Maple Street Park, a 0.6-acre (0.24 ha) park which has a basketball court and playground; Meadow Run Park, a 2.9-acre (1.2 ha) park which has a picnic area and playground; Munro Park, a 36-acre (15 ha) park which has a baseball field, lighted soccer fields, picnic areas, a playground, a seasonal refreshment stand, restrooms, softball fields, tennis courts, a basketball court, and a skate park; Szymanek Park, a 10.8-acre (4.4 ha) park which has basketball courts, a football field, restrooms, a softball field, and a playground; and Werner Park, a 6.8-acre (2.8 ha) park which has a lighted football field, picnic areas, a playground, a seasonal refreshment stand, restrooms, and a softball field.
The township is also home to a public golf course called Five Ponds Golf Club, which is the best-reviewed public golf course in Bucks County. The golf course is owned by Warminster Township and privately managed.
As of 2018 there were 113.97 miles (183.42 km) of public roads in Warminster Township, of which 13.14 miles (21.15 km) were maintained by the Pennsylvania Department of Transportation (PennDOT) and 100.83 miles (162.27 km) were maintained by the township.
Numbered routes in Warminster Township include Pennsylvania Route 132 (Street Road), which runs northwest–southeast through the township between Warrington and Southampton; Pennsylvania Route 263 (York Road), which runs north–south through the township between Hatboro and Jamison; and Pennsylvania Route 332 (Jacksonville Road), which runs southwest–northeast through the township between Hatboro and Ivyland. Other important roads include County Line Road, which runs northwest–southeast along the southwestern border with Montgomery County; Bristol Road, which runs northwest–southeast along the northeastern border of the township; Davisville Road, which runs southwest–northeast along the southeastern border of the township; and Mearns Road, which begins at Street Road in the center of the township and heads northeast.
SEPTA provides train and bus service in Warminster Township. The Warminster station serves as the terminus of SEPTA Regional Rail’s Warminster Line commuter rail service into Center City Philadelphia. SEPTA City Bus Route 22 begins in Warminster and heads south to Olney Transportation Center in North Philadelphia via Willow Grove. TMA Bucks operates the Richboro-Warminster Rushbus, which offers peak-hour shuttles between a connection with the Warminster Line train and the Route 22 bus at the Warminster station and certain businesses in Warminster and surrounding areas in Ivyland, Northampton Township, and Richboro. Two cab companies also operate within the township.
Freight rail service to Warminster Township is provided by the Pennsylvania Northeastern Railroad (which operates along SEPTA trackage) and the New Hope Railroad. Both railroads have an interchange point in the township.
Electricity and natural gas in Warminster Township is provided by PECO Energy Company, a subsidiary of Exelon. Trash and recycling collection in Warminster Township is provided under contract by J.P. Mascaro & Sons. Cable, telephone, and internet service to the area is provided by Xfinity and Verizon. Warminster Township is served by area codes 215, 267, and 445.
Water and sewer service in the township is provided by the Warminster Municipal Authority, which serves 10,300 customers. The Warminster Municipal Authority receives water from groundwater wells in the township along with water purchased from the North Wales Water Authority. Multiple groundwater wells in the township are contaminated with perfluorooctanesulfonic acid (PFOS) and perfluorooctanoic acid (PFOA) from the former Naval Air Warfare Center Warminster site, leading to the authority having to close wells to install treatment systems to decontaminate the water. The United States Navy paid for the treatment systems for the wells. As a result, the Warminster Municipal Authority has increased the amount of water it purchases from the North Wales Water Authority to ensure safe drinking water.
Jefferson Health–Abington operates the Jefferson Health–Warminster (formerly Abington Health Center–Warminster) outpatient center in the township, which offers outpatient services, community health services and programs, and support groups. The health center is located in the former Warminster Hospital, whose emergency room and inpatient services were closed after Abington Memorial Hospital purchased the hospital in October 2007 from Solis Healthcare, who had acquired it from Tenet Healthcare two months prior.
Warminster has a total crime rate lower than 53% of all U.S. cities, and a violent crime rate 4.13 times lower than the national average.
The Warminster police department consists of four built-in special units:
Four Warminster police chiefs have been fired for or convicted of wrongdoing:
According to the Köppen climate classification system, Warminster Township, Pennsylvania has a hot-summer, wet all year, humid continental climate (Dfa). Dfa climates are characterized by at least one month having an average mean temperature ≤ 32.0 °F (≤ 0.0 °C), at least four months with an average mean temperature ≥ 50.0 °F (≥ 10.0 °C), at least one month with an average mean temperature ≥ 71.6 °F (≥ 22.0 °C), and no significant precipitation difference between seasons. During the summer months, episodes of extreme heat and humidity can occur with heat index values ≥ 100 °F (≥ 38 °C). On average, the wettest month of the year is July which corresponds with the annual peak in thunderstorm activity. During the winter months, episodes of extreme cold and wind can occur with wind chill values < 0 °F (< -18 °C). The plant hardiness zone is 7a with an average annual extreme minimum air temperature of 1.3 °F (-17.1 °C). The average seasonal (Nov-Apr) snowfall total is between 24 and 30 inches (61 and 76 cm), and the average snowiest month is February which corresponds with the annual peak in nor’easter activity.
According to the A. W. Kuchler U.S. potential natural vegetation types, Warminster Township, Pennsylvania would have an Appalachian Oak (104) vegetation type with an Eastern Hardwood Forest (25) vegetation form.
