Cheapest Owner Operators Truck Insurance Westerville, Ohio
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Westerville, Ohio. 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 Westerville, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Westerville, Ohio 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.
Westerville is a city in Franklin and Delaware counties in the U.S. state of Ohio. A northeastern suburb of Columbus, the population was 39,190 at the 2020 census. Westerville is the home of Otterbein University. Westerville was once known as “The Dry Capital of the World” for its strict laws prohibiting sales of alcohol and for being the home of the Anti-Saloon League, one of the driving forces behind Prohibition at the beginning of the 20th century.
Cultures have inhabited the Westerville area for several millennia. Paleo-Indians and their successor cultures inhabited the area between Big Walnut Creek and Alum Creek. The Wyandot were the primary inhabitants by the time Europeans arrived, living along Alum Creek. They were forced out of Ohio in 1843.
The land that is today Westerville was settled by those of European ancestry around 1810. In 1818, Matthew, Peter, and William Westervelt, settlers of Dutch extraction, migrated to the area from New York. Matthew Westervelt donated land for the construction of a Methodist church in 1836, and the settlement was subsequently named in the family’s honor. In 1839, the Blendon Young Men’s Seminary was chartered in Westerville; Matthew Westervelt was one of its first trustees. The Church of the United Brethren in Christ bought the seminary in 1846, and the next year the seminary was reformed, and renamed Otterbein College after the church’s founder Philip William Otterbein. It continues today in Westerville as the private Otterbein University.
Westerville was platted by 1856, and officially incorporated in August 1858. The town’s population in that year was 275.
Throughout the Antebellum era, several homes in Westerville were stations on the Underground Railroad. Among these is the Hanby House, located one block from the college. Benjamin Russell Hanby had moved to Westerville in 1849, at the age of sixteen, to enroll at Otterbein University. Hanby went on to write many familiar hymns and songs, among them “Darling Nelly Gray” (inspired by his sympathy for Southern slaves), “Who is He in Yonder Stall?”, and the Christmas favorite “Up On The Housetop”. His home in Westerville, listed on the National Register of Historic Places, was dedicated as a museum in 1937 and is now owned by the Ohio Historical Society and managed locally by the Westerville Historical Society. It is the only state memorial to a composer in the state of Ohio.
An 1859 town ordinance prohibited sales of alcohol in Westerville. By the 1870s, a burgeoning conflict between pro- and anti-temperance forces boiled over into the so-called “Westerville Whiskey Wars”. Twice, in 1875 and 1879, businessman Henry Corbin opened a saloon in Westerville, and each time the townspeople blew up his establishment with gunpowder. Westerville’s reputation for temperance was so significant that in 1909 the Anti-Saloon League moved its national headquarters from Washington, D.C. to Westerville. The League, at the forefront of the Prohibition movement, gained its greatest triumph when the Eighteenth Amendment to the United States Constitution was ratified in 1919. The League printed so many leaflets in support of temperance and prohibition—over 40 tons of mail per month—that Westerville, by then known as “The Dry Capital of the World”, was the smallest town in the nation to have a first class post office. The League’s Westerville headquarters was given to the Westerville Public Library in 1973 and now serves as a museum attached to the library. After Prohibition ended, Westerville remained dry for most of the twentieth century.
In 1916, Westerville became the first village (and second municipality) in Ohio to adopt a council-manager form of government, in which a city council makes policy but the town’s administrative and many of its executive governmental functions are vested in an appointed, professional manager. Westerville retains the council-manager system to the present day. The city elects seven council members at large for four-year terms; the council selects from among its own a member to serve as mayor, vice mayor, chair, and vice chair. Under the City Charter, the mayor is only “the ceremonial head of the government” of the city. The council additionally selects the city manager, who serves indefinitely. In 2007, David Collinsworth replaced David Lindimore as city manager after the latter’s tenure of twenty-two years. Collinsworth retired in January 2021 alongside assistant City Manager Julie Colley.
In 1995, the city annexed 941 non-dry acres of land to its north, which included several alcohol-selling businesses. Subsequently, voters have approved alcohol sales in old Westerville at a number of establishments through site-specific local options. In 2006 Michael’s Pizza served the first beer in Uptown Westerville in over 70 years. On October 15, 2019, Westerville hosted the fourth 2020 Democratic Primary Presidential Debate which had over 12 candidates on stage. To date, it is the largest primary debate in American history.In 2020 Westerville was named as the best suburban city in America based on a study conducted by Movoto Real Estate. The study, which surveyed criteria such as cost of living and crime, compared Westerville to 75 geographically diverse suburban cities across the nation.
Westerville is located at 40°7′25″N 82°55′17″W / 40.12361°N 82.92139°W (40.123496, -82.921432).
According to the United States Census Bureau, the city has a total area of 12.61 square miles (32.66 km), of which 12.47 square miles (32.30 km2) is land and 0.14 square miles (0.36 km) is water.
As of the census of 2010, there were 36,120 people, 13,859 households, and 9,800 families living in the city. The population density was 2,896.6 inhabitants per square mile (1,118.4/km2). There were 14,467 housing units at an average density of 1,160.1 per square mile (447.9/km). The racial makeup of the city was 88.6% White, 6.4% African American, 0.2% Native American, 2.3% Asian, 0.5% from other races, and 2.1% from two or more races. Hispanic or Latino of any race were 1.9% of the population.
There were 13,859 households, of which 31.9% had children under the age of 18 living with them, 58.7% were married couples living together, 9.1% had a female householder with no husband present, 2.9% had a male householder with no wife present, and 29.3% were non-families. 24.4% of all households were made up of individuals, and 10.6% 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 2.96.
The median age in the city was 41.2 years. 22.4% of residents were under the age of 18; 10.1% were between the ages of 18 and 24; 22.2% were from 25 to 44; 31.1% were from 45 to 64; and 14.3% were 65 years of age or older. The gender makeup of the city was 47.0% male and 53.0% female.
As of the census of 2000, there were 35,318 people, 12,663 households, and 9,547 families living in the city. The population density was 2,851.1 inhabitants per square mile (1,100.8/km2). There were 13,143 housing units at an average density of 1,061.0 per square mile (409.7/km). The racial makeup of the city was 93.54% White, 3.20% African American, 0.13% Native American, 1.55% Asian, 0.03% Pacific Islander, 0.36% from other races, and 1.19% from two or more races. Hispanic or Latino of any race were 1.07% of the population.
There were 12,663 households, out of which 39.3% of those had children under the age of 18 living with them, 64.8% were married couples living together, 8.3% had a female householder with no husband present, and 24.6% were non-families. 20.9% of all households were made up of individuals, and 8.0% had someone living alone who was 65 years of age or older. The average household size was 2.67 and the average family size was 3.11.
In the city the population was spread out, with 26.9% under the age of 18, 9.1% from 18 to 24, 27.1% from 25 to 44, 26.5% from 45 to 64, and 10.4% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 90.3 males. For every 100 females age 18 and over, there were 84.9 males.
The median income for a household in the city was $69,135, and the median income for a family was $82,163. Males had a median income of $55,053 versus $36,510 for females. The per capita income for the city was $29,401. About 2.5% of families and 3.5% of the population were below the poverty line, including 3.5% of those under the age of 18 and 5.0% of those ages 65 and older.
Otterbein University, a private four-year liberal arts college, was founded by the United Brethren Church in 1847 and is now home to over 3,000 students. The United Brethren Church has since merged with the Methodist Church and is now the United Methodist Church, with which the college continues to be affiliated.
Other colleges and universities in Westerville Ohio include Hondros College, Franklin University (branch), Dominion University, The Ohio State School of Cosmetology, Columbus State Westerville Center (branch) and Fortis College.
Westerville is served by the Westerville City School District. The district operates three high schools: Westerville South High School, an International Baccalaureate School, which opened in 1960 as Westerville High School; Westerville North High School (opened 1975); and Westerville Central High School (opened 2003). In addition, Westerville has four middle and fifteen elementary schools. The middle schools are Blendon, Genoa, Heritage, and Walnut Springs. The elementary schools are Emerson (a magnet school that opened in 1896 as the Vine Street School), Hanby (magnet), Longfellow, Alcott, Annehurst, Cherrington, Fouse, Hawthorne, Huber Ridge, Mark Twain, McVay, Pointview, Robert Frost, Whittier, and Wilder.
In the early days before the town’s incorporation, Westerville was connected to Columbus by a plank road with a toll of ten cents. Today, Westerville borders Interstate 71 and Interstate 270 (the Columbus Outerbelt), expressways that connect it with Columbus and other suburbs. Via the interstates, central Westerville is 16 miles (26 km) from downtown Columbus and 12 miles (19 km) from John Glenn Columbus International Airport, Central Ohio’s primary terminal for air passengers. State Route 3, the “3-C Highway” which connects Cleveland, Columbus, and Cincinnati, is the chief north–south thoroughfare of the old town center, known as Uptown Westerville, through which it is called State Street.
Streetcars plied the avenues of Westerville from the late nineteenth century but service was discontinued in 1929. Today, Westerville offers little in the way of public transportation. The city itself operates no public buses, but the Central Ohio Transit Authority (COTA) serves Westerville with five bus lines.
T. Marzetti Company and its parent Lancaster Colony Corporation, as well as Mac Tools are headquartered in Westerville.
According to Westerville’s 2017 Comprehensive Annual Financial Report, the top employers in the city are:
Westerville is mentioned as the home of the fictional Dalton Academy Warblers glee club in the television show Glee.
In the 2021 found footage anthology horror film V/H/S/94, the segment “Storm Drain” takes place in Westerville.
It is the setting for part of the film Father Figures.