Insurance Requirements for Owner Operators Ashburn, Virginia
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Ashburn, Virginia. 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 Ashburn, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Ashburn, Virginia 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.
Ashburn is a census-designated place (CDP) in Loudoun County, Virginia, United States. At the 2010 United States Census, its population was 43,511, up from 3,393 twenty years earlier. It is 30 miles (48 km) northwest of Washington, D.C., and part of the Washington metropolitan area.
Ashburn is a major hub for Internet traffic, due to its many data centers. Andrew Blum characterized it as the “bullseye of America’s Internet”.
Ashburn was originally called “Farmwell” (variant names include “Old Farmwell” and “Farmwell Station”) after a nearby mansion of that name owned by George Lee III. The name “Farmwell” first appeared in George Lee’s October 1802 will and was used to describe the 1,236-acre (500 ha) plantation he inherited from his father, Thomas Ludwell Lee II. A section of Farmwell plantation west of Ashburn Road, a 580-acre (230 ha) tract, was purchased in 1841 as a summer home by John Janney, a Quaker lawyer who nearly became Vice President of the United States. Janney called the property “Ashburn Farm”; the name’s first known appearance in writing is 1870 when he sold the property. It is likely he named the farm after family friends whose name was Ashburn.
The Ashburn Presbyterian Church, the Belmont Manor House, the Broad Run Bridge and Tollhouse, and Janelia Farm are listed on the National Register of Historic Places.
Ashburn is located in eastern Loudoun County at 39°02′37″N 077°29′15″W / 39.04361°N 77.48750°W (39.0437192, −77.4874899) and its average elevation is 295 feet (90 m) above sea level. It is 7 miles (11 km) southeast of Leesburg, the county seat, and the same distance north of Dulles International Airport. As drawn by the U.S. Census Bureau, the area counted as “Ashburn” extends north to Virginia State Route 7, east to Virginia State Route 28, and southwest to the Dulles Greenway (VA 267). The Ashburn CDP is bordered to the north by the Belmont, Lansdowne, One Loudoun, and University Center CDPs; to the east by the Kincora, Dulles Town Center, and Sterling CDPs; to the southwest by the Moorefield and Broadlands CDPs; and to the west by the Goose Creek Village CDP.
According to the 2010 United States Census, the Ashburn CDP has a total area of 15.55 square miles (40.27 km), of which 15.30 square miles (39.63 km) are land and 0.25 square miles (0.65 km) are water. The area is drained by Broad Run, which flows northward through the eastern part of the CDP toward the Potomac River.
The Ashburn CDP consists of many major and minor subdivisions such as Ashbrook, Ashburn Farm, Ashburn Village, the Courts and Ridges at Ashburn, and the Village of Waxpool.
The United States Census Bureau defines Ashburn as a census-designated place (CDP). As of the 2010 census, the CDP had a population of 43,511 residents, while the larger ZIP Code Tabulation Area (ZCTA) for Ashburn’s 20147 ZIP code contained 54,086 people.
Many of its residents commute into Washington, D.C. and the surrounding suburbs such as Tysons Corner and Reston to their places of employment. The median household income as of 2009 was $100,719. Median age in Ashburn is 31.6. Ashburn’s population is made up of 49% males and 51% females.
The racial makeup of the CDP was 67.1% White (59.1% non-Hispanic White), 8.2% Black or African American, 0.2% Native American, 17.1% Asian, 0.0% Pacific Islander, and 5.4% from two or more races. Hispanic or Latino people of any race made up 11.8% of the population. The total number of households accounted for in Ashburn was 22,555. The median household size is 2.9 persons. 98% percent of Ashburn residents have a high school degree. Some 42 percent of Ashburn’s population holds a four-year bachelor’s degree; 18 percent holds graduate degrees.
Homeowners formed 80 percent of the population, renters made up 13% of the population, and 7% of housing units were listed as vacancies. The median age of housing was 5.0 years. The median housing value is at $345,000.
Located within the Dulles Technology Corridor, Ashburn is home to many high-tech businesses. World Trade Center Dulles Airport is the second World Trade Center in the state. Verizon Business has a major office in Ashburn at the location replacing MCI WorldCom’s headquarters after its acquisition. Ashburn is also home to government contractor Telos.
Ashburn is a major hub for data centers, with companies such as Digital Realty, Equinix, and NTT, operating multiple facilities there. Among other websites, the Wikimedia Foundation (parent of Wikipedia) and Amazon Web Services have data centers there.
The George Washington University’s Virginia Science and Technology Campus and the Howard Hughes Medical Institute’s Janelia Research Campus are located north of Ashburn in the University Center and Lansdowne CDPs, respectively. INOVA Sports Performance Center, the training camp for the Washington Commanders of the National Football League, is located in the east part of Ashburn.
EADS North America (the European Aeronautic Defense and Space Company), renamed Airbus Group, Inc., a defense contractor headed by former NASA administrator Sean O’Keefe, has a second location in Ashburn in addition to the main office in Herndon, Virginia.
The National Transportation Safety Board operates the Ashburn Aviation Field Office in Ashburn; it is the regional headquarters of the NTSB Aviation Eastern Region.
George Washington University and Strayer University have campuses in the area. In December 2009, it was announced that George Mason University was planning to set up a campus in Ashburn, to be located at Exit 6 off the Dulles Greenway.
Educational institutions in Ashburn are operated by the Loudoun County Public Schools.
Ashburn’s elementary schools include Ashburn Elementary School, Belmont Station Elementary School, Cedar Lane Elementary School, Creighton’s Corner Elementary, Discovery Elementary School, Dominion Trail Elementary School, Hillside Elementary School, Legacy Elementary School, Madison’s Trust Elementary, Mill Run Elementary School, Moorefield Station Elementary School, Newton-Lee Elementary School, Rosa Lee Carter Elementary School, Sanders Corner Elementary School, Steuart W. Weller Elementary School, and Sycolin Creek Elementary School.
Ashburn’s public middle schools include Eagle Ridge Middle School, Farmwell Station Middle School, Stone Hill Middle School, Brambleton Middle School, Trailside Middle School, and Belmont Ridge Middle School.
Public high schools in Ashburn include Briar Woods High School, Broad Run High School, Independence High School, Riverside High School, Rock Ridge High School, Dulles South High School, and Stone Bridge High School.
There are six private schools in Ashburn: Loudoun School for Advanced Studies, St. Theresa Catholic School, Virginia Academy, Leport School, The Loudoun Country Day School, and County Christian School.
Media covering Ashburn include Leesburg Today, and the Loudoun Times-Mirror.
Ashburn is served by two Washington Metro Silver Line stations. After passing through Dulles Airport, the Silver Line enters Ashburn in the median of the Dulles Greenway. The first stop in Ashburn is Loudoun Gateway station, with Ashburn station serving as the terminus. Originally planned to open in 2018, the opening was pushed back by multiple delays and finally opened on November 15, 2022.
Ashburn’s fire and emergency medical services are provided by the Loudoun County Combined Fire and Rescue System. Ashburn Volunteer Fire and Rescue Department (AVFRD) is a volunteer company under LC-CFRS, and serves Ashburn with Stations 6 and 22, which are located near Inova Loudoun Hospital. LC-CFRS career staff operate Moorefield Station 23, near Ashburn station (Washington Metro). The Ashburn area is served by the Inova Ashburn Healthplex Emergency Room at the corner of the Dulles Greenway and Loudoun County Parkway as well as Inova Loudoun Hospital, located less than 2 miles (3.2 km) from Ashburn in neighboring Lansdowne, and by larger hospitals in the Washington suburbs and city.
