Insurance Requirements for Owner Operators Barberton, Ohio
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Barberton, 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 Barberton, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Barberton, 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.
Barberton is a city in Summit County, Ohio, United States. The population was 25,191 at the 2020 census. Located directly southwest of Akron, it is a suburb of the Akron metropolitan area.
Barberton was founded in 1891 by industrialist O.C. Barber, who planned the town according to his vision of industry, progress and community. In 1894 he moved the manufacturing operations of the Diamond Match Company, which he formed from a merger of 11 companies, from Akron to Barberton. He soon was producing 250 million matches a day. In the valley running parallel to the Tuscarawas River and the Ohio & Erie Canal, he oversaw the construction of factories, residential neighborhoods and a compact commercial downtown. In the center of the new city was Lake Anna, named after Barber’s only daughter, Anna Laura Barber.
Barberton became known as the “Magic City” because of its rapid population growth during its formative industrial years, at a time of waves of immigration from eastern and southern Europe. In 1891, when Barberton was incorporated, the scattered farms that had originally characterized the landscape were transformed into a fledgling city of 1,800. When an Akron Beacon Journal reporter revisited Barberton in 1893, he noted that since 1891, it had grown so quickly that it appeared to have grown by magic (hence its nickname). Many new immigrants were attracted to its industrial jobs, which provided a path to assimilation.
In 1908, on a high hill on the east side of town, Barber began construction of an experimental farm and estate, which he called Anna–Dean Farm. It included his 52-room, French Renaissance Revival-style mansion, completed in 1909, and lush gardens, dozens of barns and other structures in the same style, and greenhouses. Barber built 35 structures for the Anna-Dean Farm, all in the French Renaissance Revival style. The farm covered 3500 acres. Believing farming could be as efficient as an industry, Barber intended the farm to be the basis of an agricultural college, but he did not complete its financing before his death. He willed the farm to Western Reserve University (now Case Western Reserve University). It later sold much of the property.
Today, five of the eight primary buildings and associated property of the farm complex are owned by the Barberton Historical Society. These buildings are constructed of red brick edged in white concrete block, with royal blue trim and red tile roofing. The most significant of the remaining buildings is Barn No. 1, the former Dairy Barn, restored in 1985 and now the world headquarters of the Yoder Brothers Corporation, horticulturists. The building has castle tower-like silos, visible from much of the east side of the city. The other barns have been structurally stabilized and at least partially restored. All but one may be renovated for other economic uses. The Creamery has been restored as a residence for the same family since 1943 and served as the birthplace for the Apostolic Church of Barberton founded in 1950. After sale by Western Reserve University following World War 2, most of the 40-acre Barber estate was broken up and redeveloped for suburban residential housing. The mansion was demolished in 1965.
“The Magics” became the mascot name of the Barberton High School athletic teams. As Barberton High School colors are purple and white, “purple pride” marks local enthusiasm for the school. The city’s schools have also improved academic performance since the 1980s.
During the 1980s Barberton suffered a precipitous economic decline due to restructuring in heavy industry and job losses, similar to much of the rest of the industrial American Midwest. It was in many ways representative of a typical Rust Belt city. During this period, the city lost a large part of its economic base as factories shuttered and stores went vacant. The Magic City: Unemployment in a Working-Class Community (Cornell University Press, 1989) documents the consequences of the migration of major industries from the region and the responses of residents to such dramatic changes. In 1985, key business stakeholders and government leaders created the Barberton Community Development Corporation (BCDC). The BCDC has facilitated the creation of over 2,000 jobs, and in excess of $100 million in business expansion projects. They have stimulated the creation of three mini-industrial parks and 25 new construction projects.
The Barberton Community Foundation facilitated the construction of a new Barberton High School, located on reclaimed swampland in the northwest section of the city.
According to the 2010 census, the city has a total area of 9.26 square miles (24.0 km), of which 9.04 square miles (23.4 km) (or 97.62%) is land and 0.22 square miles (0.57 km) (or 2.38%) is water.
Lake Anna, a glacial kettle lake, is a 10-acre (40,000 m) natural spring lake that lies in the center of the original village of Barberton. It is the center of a 21-acre (85,000 m) park named after it. Lake Anna is named for O. C. Barber’s daughter Anna Laura Barber.
At the 2010 census there were 26,550 people in 11,054 households, including 6,880 families, in the city. The population density was 2,936.9 inhabitants per square mile (1,133.9/km). There were 12,191 housing units at an average density of 1,348.6 per square mile (520.7/km). The racial makup of the city was 90.8% White, 5.9% African American, 0.3% Native American, 0.3% Asian, 0.4% from other races, and 2.2% from two or more races. Hispanic or Latino of any race were 1.4%.
There were 11,054 households, of which 30.1% had children under age 18 living with them, 39.9% were married couples living together, 16.3% had a female householder with no husband present, 6.0% had a male householder with no wife present, and 37.8% were non-families. 32.2% of households were one person and 13.8% were one person aged 65 or older. The average household size was 2.37 and the average family size was 2.97.
The median age was 39.8 years. 23.5% of residents were under the age of 18; 8.2% were between the ages of 18 and 24; 24.8% were from 25 to 44; 27.1% were from 45 to 64; and 16.5% were 65 or older. The gender makeup of the city was 47.9% male and 52.1% female.
At the 2000 census there were 27,899 people in 11,523 households, including 7,443 families, in the city. The population density was 3,095.2 inhabitants per square mile (1,195.1/km). There were 12,163 housing units at an average density of 1,349.4 per square mile (521.0/km). The racial makup of the city was 92.43% White, 5.33% African American, 0.27% Native American, 0.37% Asian, 0.01% Pacific Islander, 0.24% from other races, and 1.36% from two or more races. Hispanic or Latino of any race were 0.64%.
There were 11,523 households, of which 29.5% had children under age 18 living with them, 44.9% were married couples living together, 15.4% had a female householder with no husband present, and 35.4% were non-families. 30.1% of households were one person and 14.0% were one person aged 65 or older. The average household size was 2.39 and the average family size was 2.96.
The age distribution was 24.8% under the age of 18, 8.4% from 18 to 24, 28.3% from 25 to 44, 21.2% from 45 to 64, and 17.3% 65 or older. The median age was 37 years. For every 100 females, there were 87.5 males. For every 100 females age 18 and over, there were 82.8 males.
The median household income was $32,178 and the median family income was $39,387. Males had a median income of $32,294 versus $21,778 for females. The per capita income for the city was $17,764. About 11.5% of families and 13.3% of the population were below the poverty line, including 21.3% of those under age 18 and 7.5% of those age 65 or over.
Barberton is known for Barberton chicken, a local style of fried chicken. It is a Serbian-American dish served in several mainly Serbian-owned restaurants in the area. The style of chicken has given the town national recognition, with some proclaiming Barberton to be the “Chicken Capital of the World” or the “Fried Chicken Capital of America.”
Children in Barberton are served by the public Barberton City School District. The current schools serving the city are:
Barberton’s sources of news include daily newspapers from major cities, such as the Akron Beacon Journal and the Cleveland Plain-Dealer, as well as the local weekly newspaper, the Barberton Herald, which ceased publication on December 29, 2022.
Barberton station was a train station along the Erie Railroad main line. It opened in 1890 as a station of the New York, Pennsylvania and Ohio Railroad. Passenger service was terminated on August 1, 1965, with the cancellation of the Atlantic Express (eastbound) Pacific Express (westbound), and multi-day trains from Hoboken, New Jersey to Dearborn Station in Chicago.