Insurance Requirements for Owner Operators East Columbus, Indiana
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators East Columbus, Indiana. 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 East Columbus, Indiana with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in East Columbus, Indiana 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.
Columbus is a city in, and the county seat of, Bartholomew County, Indiana, United States. The population was 50,474 at the 2020 Census. The city’s architectural significance exceeds its size–– Columbus has provided a unique place for noted modern architecture and public art, commissioning numerous works since the mid-20th century; the annual program Exhibit Columbus celebrates this legacy. Located about 40 mi (64 km) south of Indianapolis, on the east fork of the White River, it is the state’s 20th-largest city. It is the principal city of the Columbus, Indiana metropolitan statistical area, which encompasses all of Bartholomew County. Columbus is the birthplace of former Indiana Governor and former Vice President of the United States, Mike Pence.
Columbus is the headquarters of the engine company Cummins, Inc. In 2004 the city was named as one of “The Ten Most Playful Towns” by Nick Jr. Family Magazine. In the July 2005 edition of GQ magazine, Columbus was named as one of the “62 Reasons to Love Your Country”. Columbus won the national contest “America in Bloom” in 2006, and in late 2008, National Geographic Traveler ranked Columbus 11th on its historic destinations list , describing the city as “authentic, unique, and unspoiled.”
The land developed as Columbus was bought by General John Tipton and Luke Bonesteel in 1820. Tipton built a log cabin on Mount Tipton, a small hill overlooking White River and the surrounding flat, heavily forested and swampy valley. It held wetlands of the river. The town was first known as Tiptona, named in honor of Tipton. The town’s name was changed to Columbus on March 20, 1821. Many people believe Tipton was upset by the name change, but no evidence exists to prove this. Nonetheless, he decided to leave the newly founded town and did not return.
Tipton was later appointed as the highway commissioner for the State of Indiana and was assigned to building a highway from Indianapolis, Indiana to Louisville, Kentucky. When the road approached Columbus, Tipton constructed the first bypass road ever built; it detoured south around the west side of Columbus en route to Seymour.
Joseph McKinney was the first to plot the town of Columbus, but no date was recorded. Local history books for years said that the land on which Columbus sits was donated by Tipton. But in 2003, Historic Columbus Indiana acquired a deed showing that Tipton had sold the land.
A ferry was established below the confluence of the Flatrock and Driftwood rivers, which form the White River. A village of three or four log cabins developed around the ferry landing, and a store was added in 1821. Later that year, Bartholomew County was organized by an act of the State Legislature and named to honor the famous Hoosier militiaman, General Joseph Bartholomew. Columbus was incorporated on June 28, 1864.
The first railroad in Indiana was constructed to Columbus from Madison, Indiana in 1844. This eventually became the Madison branch of the Pennsylvania Railroad. The railroad fostered the growth of the community into one of the largest in Indiana, and three more railroads reached the city by 1850.
The Crump Theatre in Columbus, built in 1889 by John Crump, is the oldest theater in Indiana Today the building is included within the Columbus Historic District. Before it closed permanently in 2010, it was an all-ages venue with occasional musical performances.
The Cummins Bookstore began operations in the city in 1892. Until late 2007, when it closed, it was the oldest continually operated bookstore in Indiana.
The Irwin Union Bank building was built in 1954. It was designated as a National Historic Landmark by the National Park Service in 2001 in recognition of its unique architecture. The building consists of a one-story bank structure adjacent to a three-story office annex. A portion of the office annex was built along with the banking hall in 1954. The remaining larger portion, designed by Kevin Roche John Dinkeloo and Associates, was built in 1973. Eero Saarinen designed the bank building with its glazed hall to be set off against the blank background of its three-story brick annex. Two steel and glass vestibule connectors lead from the north side of this structure to the annex. The building was designed to distance the Irwin Union Bank from traditional banking architecture, which mostly echoed imposing, neoclassical style buildings of brick or stone. Tellers were behind iron bars and removed from their customers. Saarinen worked to develop a building that would welcome customers rather than intimidate them.
Columbus has been home to many manufacturing companies, including Noblitt-Sparks Industries, which built radios under the Arvin brand in the 1930s, and Arvin Industries, now Meritor, Inc. After merging with Meritor Automotive on July 10, 2000, the headquarters of the newly created ArvinMeritor Industries was established in Troy, Michigan, the home of parent company, Rockwell International. It was announced in February 2011 that the company name would revert to Meritor, Inc.
Cummins, Inc. is by far the region’s largest employer, and the Infotech Park in Columbus accounts for a sizable number of research jobs in the city itself. Just south of Columbus are the North American headquarters of Toyota Material Handling, U.S.A., Inc., the world’s largest material handling (forklift) manufacturer.
Other notable industries include architecture, a discipline for which Columbus is famous worldwide. The late J. Irwin Miller (then president and chairman of Cummins Engine Company) launched the Cummins Foundation, a charitable program that helps subsidize a large number of architectural projects throughout the city by up-and-coming engineers and architects.
Early in the 20th century, Columbus also was home to a number of pioneering car manufacturers, including Reeves, which produced the unusual four-axle Octoauto and the twin rear-axle Sextoauto, both around 1911.
Columbus is located at 39°12′50″N 85°54′40″W / 39.21389°N 85.91111°W (39.213998, −85.911056). The Driftwood and Flatrock Rivers converge at Columbus to form the East Fork of the White River.
According to the 2010 census, Columbus has a total area of 27.886 square miles (72.22 km), of which 27.5 square miles (71.22 km) (or 98.62%) is land and 0.386 square miles (1.00 km) (or 1.38%) is water.
As of the census of 2010, there were 44,061 people, 17,787 households, and 11,506 families residing in the city. The population density was 1,602.2 inhabitants per square mile (618.6/km). There were 19,700 housing units at an average density of 716.4 per square mile (276.6/km). The racial makeup of the city was 86.9% White, 2.7% African American, 0.2% Native American, 5.6% Asian, 0.1% Pacific Islander, 2.5% from other races, and 2.0% from two or more races. Hispanic or Latino of any race were 5.8% of the population.
There were 17,787 households, of which 33.5% had children under the age of 18 living with them, 48.5% were married couples living together, 11.7% had a female householder with no husband present, 4.5% had a male householder with no wife present, and 35.3% were non-families. 29.7% of all households were made up of individuals, and 11.5% had someone living alone who was 65 years of age or older. The average household size was 2.43 and the average family size was 3.00.
The median age in the city was 37.1 years. 25.2% of residents were under the age of 18; 8.1% were between the ages of 18 and 24; 27.3% were from 25 to 44; 24.9% were from 45 to 64; and 14.4% were 65 years of age or older. The gender makeup of the city was 48.4% male and 51.6% female.
As of the census of 2000, there were 39,059 people, 15,985 households, and 10,566 families residing in the city. The population density was 1,505.3 inhabitants per square mile (581.2/km). There were 17,162 housing units at an average density of 661.4 per square mile (255.4/km). The racial makeup of the city was 91.32% White, 2.71% Black or African American, 0.13% Native American, 3.23% Asian, 0.05% Pacific Islander, 1.39% from other races, and 1.19% from two or more races. 2.81% of the population were Hispanic or Latino of any race.
There were 15,985 households, out of which 31.8% had children under the age of 18 living with them, 51.9% were married couples living together, 11.0% had a female householder with no husband present, and 33.9% were non-families. 29.1% of all households were composed of individuals, and 10.7% had someone living alone who was 65 years of age or older. The average household size was 2.39, and the average family size was 2.94.
In the city, the population was spread out, with 25.7% under the age of 18, 8.0% from 18 to 24 years, 29.5% from 25 to 44 years, 23.0% from 45 to 64 years, and 13.7% over the age of 65. The median age was 36 years. There were 92.8 males for every 100 females and 89.6 males for every 100 females over age 18.
The median income for a household in the city was $41,723, and the median income for a family was $52,296. Males had a median income of $40,367 versus $24,446 for females, and the per capita income was $22,055. About 6.5% of families and 8.1% of the population were below the poverty line, including 9.7% of those under age 18 and 8.8% of those age 65 or over.
Columbus is a city known for its modern architecture and public art. J. Irwin Miller, 2nd CEO and a nephew of a co-founder of Cummins Inc., the Columbus-headquartered diesel engine manufacturer, instituted a program in which the Cummins Foundation paid the architects’ fees, provided the client selected a firm from a list compiled by the foundation. The plan was initiated with public schools and was so successful that the foundation decided to offer such design support to other non-profit and civic organizations. The high number of notable public buildings and public art in the Columbus area, designed by such individuals as Eero Saarinen, I.M. Pei, Robert Venturi, Cesar Pelli, and Richard Meier, led to Columbus earning the nickname “Athens on the Prairie.”
Seven buildings, constructed between 1942 and 1965, are National Historic Landmarks, and approximately 60 other buildings sustain the Bartholomew County seat’s reputation as a showcase of modern architecture. National Public Radio once devoted an article to the town’s architecture.
In 2015, Landmark Columbus was created as a program of Heritage Fund – The Community Foundation of Bartholomew county.
In addition to the Columbus Historic District and Irwin Union Bank, the city has numerous buildings listed on the National Register of Historic Places, including seven National Historic Landmarks of modernist architecture: Bartholomew County Courthouse, Columbus City Hall, First Baptist Church, First Christian Church, Haw Creek Leather Company, Mabel McDowell Elementary School, McEwen-Samuels-Marr House, McKinley School, Miller House, North Christian Church, and The Republic Newspaper Office.
The city is the basis for the 2017 film Columbus by independent filmmaker Kogonada. The film was shot on location in Columbus over 18 days in the summer of 2016.
In May 2016, Landmark Columbus launched Exhibit Columbus as a way to continue the ambitious traditions of the past into the future. Exhibit Columbus features annual programming that alternates between symposium and exhibition years.
Columbus High School was home to footwear pioneer Chuck Taylor, who played basketball in Columbus before setting out to promote his now famous shoes and the sport of basketball before being inducted into the Naismith Memorial Basketball Hall of Fame.
Two local high schools compete within the state in various sports. Columbus North and Columbus East both have competitive athletics and have many notable athletes that go on to compete in college and beyond. Columbus North High School houses one of the largest high school gyms in the United States. CNHS vs CEHS
Indiana Diesels of the Premier Basketball League play their home games at the gymnasium at Ceraland Park, with plans to move to a proposed downtown sports complex in the near future.
Columbus boasts over 700 acres (280 ha) of parks and green space and over 20 miles of People Trails. These amenities, in addition to several athletic and community facilities, including Donner Aquatic Center, Lincoln Park Softball Complex, Hamilton Center Ice Arena, Clifty Park, Foundation for Youth/Columbus Gymnastics Center and The Commons, are managed and maintained by the Columbus Parks and Recreation Department.
The north-south US Route 31 has been diverted to the northeastern part of the city. Interstate 65 bypasses Columbus to the west. Indiana Route 46 runs-east-west through the southern section of the city.
Freight rail service is provided by the Louisville and Indiana Railroad (LIRC). The LIRC line runs in a north–south orientation along the western edge of Columbus.
The Pennsylvania Railroad’s Kentuckyian (Chicago-Louisville) made stops in the city until 1968. The PRR and its successor, the Penn Central, ran the Florida-bound South Wind up to 1971.
The city has been earmarked as a location for a new Amtrak station along the Chicago-Indianapolis-Louisville rail corridor.
Columbus is served by the Columbus Municipal Airport (KBAK). It is located approximately 3 miles (4.8 km) north of Columbus. The airport handles approximately 40,500 operations per year, with roughly 87% general aviation, 4% air taxi, 8% military and less than 1% commercial service. The airport has two concrete runways; a 6,401-foot runway with approved ILS and GPS approaches (Runway 5-23) and a 5,001 foot crosswind runway, also with GPS approaches, (Runway 14-32).
The nearest commercial airport which currently has scheduled airline service is Indianapolis International Airport (IND), located approximately 55 miles (89 km) northwest of Columbus. Louisville Muhammad Ali International Airport and Cincinnati/Northern Kentucky International Airport are 78 miles (126 km) to the south and 83 miles (134 km) to the southeast, respectively.
This is a list of notable people who were born in, or who currently live, or have lived in Columbus.
The Bartholomew Consolidated School Corporation (BCSC) is the local school district. High schools include:
Columbus has a public library, a branch of the Bartholomew County Public Library.
Secondary education includes Indiana University–Purdue University Columbus (IUPUC), an Ivy Tech campus, a Purdue Polytechnic campus, and an Indiana Wesleyan University education center.
39°12′50″N 85°54′40″W / 39.213998°N 85.911056°W