Insurance Requirements for Owner Operators Harrisonburg, Virginia
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Harrisonburg, 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 Harrisonburg, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Harrisonburg, 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.
Harrisonburg is an independent city in the Shenandoah Valley region of the Commonwealth of Virginia in the United States. It is also the county seat of the surrounding Rockingham County, although the two are separate jurisdictions. At the 2020 census, the population was 51,814. The Bureau of Economic Analysis combines the city of Harrisonburg with Rockingham County for statistical purposes into the Harrisonburg, Virginia Metropolitan Statistical Area, which had an estimated population of 126,562 in 2011.
Harrisonburg is home to James Madison University (JMU), a public research university with an enrollment of over 20,000 students, and Eastern Mennonite University (EMU), a private, Mennonite-affiliated liberal arts university. Although the city has no historical association with President James Madison, JMU was nonetheless named in his honor as Madison College in 1938 and renamed as James Madison University in 1977. EMU largely owes its existence to the sizable Mennonite population in the Shenandoah Valley, to which many Pennsylvania Dutch settlers arrived beginning in the mid-18th century in search of rich, unsettled farmland.
The city has become a bastion of ethnic and linguistic diversity in recent years. Over 1,900 refugees have been settled in Harrisonburg since 2002. As of 2014, Hispanics or Latinos of any race make up 19% of the city’s population. Harrisonburg City Public Schools (HCPS) students speak 55 languages in addition to English, with Spanish, Arabic, and Kurdish being the most common languages spoken. Over one-third of HCPS students are English as a second language (ESL) learners. Language learning software company Rosetta Stone was founded in Harrisonburg in 1992, and the multilingual “Welcome Your Neighbors” yard sign originated in Harrisonburg in 2016.
The earliest documented English exploration of the area prior to settlement was the Knights of the Golden Horseshoe Expedition, led by Lt. Gov. Alexander Spotswood, who reached Elkton, and whose rangers continued and in 1716 likely passed through what is now Harrisonburg.
Harrisonburg, previously known as “Rocktown,” was named for Thomas Harrison, a son of English settlers. In 1737, Harrison settled in the Shenandoah Valley, eventually laying claim to over 12,000 acres (4,900 ha) situated at the intersection of the Spotswood Trail and the main Native American road through the valley.
In 1779, Harrison deeded 2.5 acres (1.0 ha) of his land to the “public good” for the construction of a courthouse. In 1780, Harrison deeded an additional 50 acres (20 ha).
This is the area now known as “Historic Downtown Harrisonburg.”
In 1849, trustees chartered a mayor–council form of government, although Harrisonburg was not officially incorporated as an independent city until 1916. Today, a council–manager government administers Harrisonburg.
On June 6, 1862, an American Civil War skirmish took place at Good’s Farm, Chestnut Ridge near Harrisonburg between the forces of the Union and the forces of the Confederacy at which the C.S. Army Brigadier General, Turner Ashby (1828–1862), was killed.
The city has expanded in size over the years.
On October 17, 2020, the city was the scene of a massive explosion and fire at a small shopping center at Miller Circle in the South Main St. area.
When the slaves of the Shenandoah Valley were freed in 1865, they set up near modern-day Harrisonburg a town called Newtown. This settlement was eventually annexed by the independent city of Harrisonburg some years later, probably around 1892. Today, the old city of Newtown is in the Northeast section of Harrisonburg and which is referred to as Downtown Harrisonburg. It remains the home of the majority of Harrisonburg’s predominantly black churches, such as the First Baptist and Bethel AME. The modern Boys and Girls Club of Harrisonburg is located in the old Lucy Simms schoolhouse used for the black students in the days of segregation.
A large portion of this black neighborhood was dismantled in the 1960s when – in the name of urban renewal – the city government used federal redevelopment funds from the Housing Act of 1949 to force black families out of their homes and then bulldozed the neighborhood. This effort, called “Project R-4”, focused on the city blocks east of Main, north of Gay, west of Broad, and south of Johnson. This area makes up 32.5 acres. “Project R-16” is a smaller tag on project which focused on the 7.5 acres south of Gay street.
According to Bob Sullivan, an intern working in the city planner’s office in 1958, the city planner at the time, David Clark had to convince the city council that Harrisonburg even had slums. Newtown, a low socioeconomic status housing area, was declared a slum. Federal law mandated that the city needed to have a referendum on the issue before R4 could begin. The vote was close with 1,024 votes in favor and 978 against R4. Following the vote, the Harrisonburg Redevelopment and Housing Authority was established in 1955 to carry out the project. All of the members were white men. The project began and, due to eminent domain, the government could force the people of Newtown to sell their homes. They were offered rock bottom prices for their homes. Many people couldn’t afford a new home and had to move into public housing projects and become dependent on the government. Other families left Harrisonburg. It is estimated between 93 and 200 families were displaced.
In addition to families, many of the businesses of Newtown that were bought out could not afford to reestablish themselves. Locals say many prominent black businesses like the Colonnade which served as a pool hall, dance hall, community center, and tearoom were unable to reopen. Kline’s, a white-owned business, was actually one of the few businesses in the area that was able to reopen. The city later made $500,000 selling the seized property to redevelopers. Before the project, the area brought in $7000 in taxes annually. By 1976, The areas redeveloped in R4 and R16 were bringing in $45,000 in annual taxes. These profit gains led Lauren McKinney to regard the project as “one of only two ‘profitable’ redevelopment schemes in the state of Virginia.”
Cultural landmarks were also influenced by the projects. Although later rebuilt, The Old First Baptist Church of Harrisonburg was demolished. Newtown Cemetery, a Historic African American Cemetery, was also impacted. It appears no Burials were destroyed, however, the western boundary was paved over and several headstones now touch the street.
Major highways in Harrisonburg include Interstate 81, the main north–south highway in western Virginia and the Shenandoah Valley. Other significant roads serving the city include U.S. Route 11, U.S. Route 33, Virginia State Route 42, Virginia State Route 253 and Virginia State Route 280.
In early 2002, the Harrisonburg community discussed the possibility of creating a pedestrian mall downtown. Public meetings were held to discuss the merits and drawbacks of pursuing such a plan. Ultimately, the community decided to keep its Main Street open to traffic. From these discussions, however, a strong voice emerged from the community in support of downtown revitalization.
On July 1, 2003, Harrisonburg Downtown Renaissance was incorporated as a 501(c)(3) nonprofit organization with the mission of rejuvenating the downtown district.
In 2004, downtown was designated as the Harrisonburg Downtown Historic District on the National Register of Historic Places and a designated Virginia Main Street Community, with the neighboring Old Town Historic District residential community gaining historic district status in 2007. Several vacant buildings have been renovated and repurposed for new uses, such as the Hardesty-Higgins House and City Exchange, used for the Harrisonburg Tourist Center and high-end loft apartments, respectively.
In 2008, downtown Harrisonburg spent over $1 million in cosmetic and sidewalk infrastructure improvements (also called streetscaping and wayfinding projects). The City Council appropriated $500,000 for custom street signs to be used as “wayfinding signs” directing visitors to areas of interest around the city. Another $500,000 were used to upgrade street lighting, sidewalks, and landscaping along Main Street and Court Square.
In 2014, Downtown Harrisonburg was named a Great American Main Street by the National Main Street Association and downtown was designated the first culinary district in the commonwealth of Virginia.
Norfolk Southern also owns a small railyard in Harrisonburg. The Chesapeake and Western corridor from Elkton to Harrisonburg has very high volumes of grain and ethanol.
The railroad serves two major grain elevators inside the city limits. In May 2017 Norfolk Southern 51T derailed in Harrisonburg spilling corn into Blacks Run. No one was injured.
Shenandoah Valley Railroad interchanges with the NS on south side of Harrisonburg and with CSX and Buckingham Branch Railroad in North Staunton.
Harrisonburg Transit provides public transportation in Harrisonburg. Virginia Breeze provides intercity bus service between Blacksburg, Harrisonburg, and Washington, D.C.
Harrisonburg has won several awards in recent years, including “#6 Favorite Town in America” by Travel + Leisure in 2016, the “#15 Best City to Raise an Outdoor Kid” by Backpacker in 2009, and the “#3 Happiest Mountain Town” by Blue Ridge Country Magazine in 2016.
Harrisonburg holds the title of “Virginia’s first Culinary District” (awarded in 2014). The “Taste of Downtown” (TOD) week-long event takes place annually to showcase local breweries and restaurants. Often referred to as “Restaurant Week,” the TOD event offers a chance for culinary businesses in downtown Harrisonburg to create specials, collaborations, and try out new menus.
The creative class of Harrisonburg has grown alongside the revitalization of the downtown district. The designation of “first Arts & Cultural District in Virginia” was awarded to Downtown Harrisonburg in 2001. Contributing to Harrisonburg’s cultural capital are a collection of education and art centers, residencies, studios, and artist-facilitated businesses, programs, and collectives.
Some of these programs include:
The modern city of Harrisonburg grew up around this modest stone house, which until recently was thought to have been erected for Thomas Harrison ca. 1750. But new research and a dendrochronology study completed by James Madison University in 2018 has determined that it was built ca. 1790; Harrison died in 1785. Harrison laid out the town that was to bear his name on fifty acres of his holdings and was also instrumental in having Harrisonburg established as the Rockingham County seat in 1780. Prior to confirmation of the date of construction, it was believed that the first courts were held in this building, which is also associated with Bishop Francis Asbury, a pioneer leader of the Methodist Episcopal church, who often visited Harrison and conducted some of the county’s first Methodist services. While the original Thomas Harrison house no longer exists, this building remains an early example of stone vernacular architecture in the Shenandoah Valley, and a contributing building in the Harrisonburg Downtown Historic District. Its window architraves are cut from solid walnut timbers. This house remained in the Harrison family until 1870, which is probably why it was long-thought to have been Thomas Harrison’s.
Home to Harrisonburg’s first mayor Isaac Hardesty, the house bears his name and the name of the physician, Henry Higgins, who began construction in 1848. Isaac Hardesty was born in 1795 and became the city’s first Mayor by charter on March 16, 1849, incorporating the town of Harrisonburg. Hardesty completed construction of the home by 1853 and lived in the house with his wife, Ann, and two children. He was a successful business man, apothecary, and merchant, and he served on the board of directors of the Valley Turnpike Company.
Isaac Hardesty supported the Union and moved from Harrisonburg during the early part of the Civil War. The Strayer sisters occupied the house and, during their stay, the sisters hosted Union General Nathaniel Banks. The house served as an inn after the war and was home to the Virginia Craftsman, makers of handcrafted furniture, from the 1920s to the 1980s.
The approximately 100 acre Harrisonburg Downtown Historic District embraces the historic commercial and institutional core of the city. The principal axis of the district is Main Street, which runs approximately north–south through the district. Another principal thoroughfare is Liberty Street, which parallels Main Street. The principal cross axis is Market Street (US Highway 33), which intersects with Main Street on the east side of Court Square. The Romanesque Revival/Renaissance Revival 1896-97 Rockingham County Courthouse commands the square, and surrounding blocks arc densely developed with early twentieth century high-rise bank buildings and other commercial buildings from the 1870s through the 1950s. Most residential buildings dates to after the Civil War, when South Main Street developed as Harrisonburg’s elite residential avenue. Notable houses from the period include Victorian/Queen Anne masterpieces such as Ute 1890 Joshua Wilton House and rarities such as the late 1880s Octagon House. Several fine Gothic Revival churches date to the early years of the twentieth century. Industrial buildings and warehouses date largely to the first half of the twentieth century and include the 1908 City Produce Exchange, a poultry shipping plant, and the late 1920s Maphis Chapman Co. gas storage tank factory. A complex of mid-twentieth century cinder block warehouses clusters near the 1913 Chesapeake Western Railway Station and the 1920-21 Rockingham Milling Co. roller mill on Chesapeake Avenue. Alter World War I automobile dealerships appeared in the downtown area. An outstanding example is the 1920 Rockingham Motor Co., an inspired Tudor Revival/Art Deco design. Architectural modernism achieved popularity in the 1940s and early 1950s at the end of the period of significance. Harrisonburg’s downtown experienced a number of losses during the late twentieth century, but the recent rehabilitation of several key buildings demonstrates a growing commitment to the preservation of the district’s historic character.
In addition to the Thomas Harrison House, Hardesty-Higgins House, Harrisonburg Downtown Historic District, and Old Town Historic District, the Anthony Hockman House, Rockingham County Courthouse, Lucy F. Simms School, Whitesel Brothers, and Joshua Wilton House are listed on the National Register of Historic Places.
According to the United States Census Bureau, the city has a total area of 17.4 square miles (45.1 km), of which 17.3 square miles (44.8 km) is land and 0.1 square miles (0.3 km) (0.3%) is water. The City of Harrisonburg comprises six watersheds, with Blacks Run being the primary watershed with 8.67 miles of stream and a drainage area of over 9000 acres. The city also drains into the Chesapeake Bay Watershed. Harrisonburg is in the western part of the Shenandoah Valley, a portion of the Valley and Ridge physiographic province. Generally, the area is a rolling upland with local relief between 100 and 300 feet.
Note: the US Census treats Hispanic/Latino as an ethnic category. This table excludes Latinos from the racial categories and assigns them to a separate category. Hispanics/Latinos can be of any race.
As of the census of 2010, 48,914 people, 15,988 households, and 7,515 families resided in the city. The population density was 2,811.1/mi (1087.0/km). The 15,988 housing units averaged 918.9/mi (355.3/km). The racial makeup of the city was 78.4% White, 6.4% Black or African American, 0.3% Native American, 3.5% Asian, 0.1% Pacific Islander, 8.2% from other races, and 3.1% from two or more races. Hispanics or Latinos of any race were 15.7% of the population, up from 8.85% according to the census of 2000.
Of the 15,988 households, 22.1% had children under the age of 18 living with them, 32.7% were married couples living together, 10.1% had a female householder with no husband present, and 53.0% were not families. About 27.3% of all households were made up of individuals, and 17.4% had someone living alone who was 65 years of age or older. The average household size was 2.59, and the average family size was 3.06.
In the city, the population was distributed as 15.0% under the age of 18, 48.9% from 18 to 24, 21.2% from 25 to 44, 13.2% from 45 to 64, and 9.3% who were 65 years of age or older. The median age was 22.8 years. For every 100 females, there were 87.3 males.
The median income for a household in the city was $37,850, and for a family was $53,642. The per capita income for the city was $16,992. About 11.5% of families and 31.8% of the population were below the poverty line, including 19.6% of those under age 18 and 9.5% of those age 65 or over.
Like most of the Shenandoah Valley, Harrisonburg was among the first areas of Virginia where old-line Southern Democrats began splitting their tickets. The city went Republican at every presidential election from 1944 to 2004. In 2008, however, Barack Obama carried the city by a margin of 16 percent—slightly larger than the 14-point margin by which George W. Bush carried it four years earlier. The city has gone Democratic in every presidential election since then, and has become one of the few Democratic mainstays in one of the more conservative parts of Virginia. In most elections, it is one of the few areas west of Charlottesville carried by Democrats. However, the suburbs are still very Republican, to the point that there are no elected Democrats representing Harrisonburg above the municipal level.
Serving about 4,400 students (K–12), Harrisonburg City Public Schools comprises six elementary schools, two middle schools, and a high school. Eastern Mennonite School, a private school, serves grades K–12 with an enrollment of about 386 students.
The climate in this area is characterized by hot, humid summers and generally cool to cold winters. Harrisonburg has a humid subtropical climate, Cfa on climate maps according to the Köppen climate classification, but has four clearly defined seasons that vary significantly, if not having brief changes from summer to winter. The USDA hardiness zone is 6b, which means average minimum winter temperature of −5 to 0 °F (−21 to −18 °C).
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
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UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.