Insurance Requirements for Owner Operators Leesburg, Virginia
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Leesburg, 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 Leesburg, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Leesburg, 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.
Leesburg is a town in and the county seat of Loudoun County, Virginia, United States. Settlement in the area began around 1740, which is named for the Lee family, early leaders of the town. Located in the far northeast of the state, in the War of 1812 it was a refuge for important federal documents evacuated from Washington, DC, and in the Civil War, it changed hands several times.
Leesburg is 33 miles (53 km) west-northwest of Washington, D.C., along the base of Catoctin Mountain and close to the Potomac River. The town is the northwestern terminus of the Dulles Greenway, a private toll road that connects to the Dulles Toll Road at Washington Dulles International Airport. Its population was 48,250 as of the 2020 Census and an estimated 48,908 in 2021. It is Virginia’s largest incorporated town within a county (rather than being an independent city).
Leesburg, like much of Loudoun County, has undergone considerable growth and development over the last 30 years, transforming from a small, rural, Piedmont town to a suburban bedroom community for commuters to the national capital. Growth in the town and its immediate area to the east (Lansdowne/Ashburn) concentrates along the Dulles Greenway and State Route 7, which roughly parallels the Potomac River between Winchester to the west and Alexandria to the east.
Leesburg is home to professional soccer team Loudoun United FC of the USL Championship division who play their home matches at Segra Field , a soccer-specific stadium located within Phillip A. Bolen Park, and adjacent to Loudoun Soccer Park. The season runs from March through October. Home and road matches are carried on the ESPN+ streaming platform which carries all USL Championship matches with some selected league matches on one of ESPN’s linear channels
Northern Virginia United FC is another American soccer club based in Leesburg. They currently have teams in the fourth-tier National Premier Soccer League and fifth-tier United Premier Soccer League.The club play their home matches at Cropp Metcalfe Park at Evergreen Sportsplex. All home games are broadcast live from Evergreen Sportsplex via the club’s YouTube channel.
The Federal Aviation Administration’s Washington Air Route Traffic Control Center is in Leesburg.
Leesburg may have been named to honor the influential Thomas Lee or more generally for the Lee family. The name change was passed by an Act of Assembly in 1758. Francis Lightfoot Lee and Phillip Ludwell Lee, two of Thomas’ sons, were early town trustees. The town is not named, as is sometimes thought, for Robert E. Lee (Thomas’ great-grandnephew).
Prior to European settlement, the area around Leesburg was occupied by various Native American tribes. John Lederer (1670) testified that the entire Piedmont region had once been occupied by the “Tacci, alias Dogi”, but that the Siouan tribes, driven from the northwest, had occupied it for 400 years. In 1699, the Algonquian Piscataway (Conoy) moved to an island in the Potomac in the environs of Leesburg, and were there when the first known Europeans visited what is now Loudoun County.
What would become known as the Old Carolina Road (present day U.S. Route 15) was a major route of travel between north and south for Native tribes. According to local historians, a pitched battle was fought near present Leesburg between the warring Catawba and Lenape tribes, neither of whom lived in the area. A war party of Lenape had traveled from their home in New Jersey and neighboring regions, all the way to South Carolina to inflict a blow on their distant enemies, the Catawba. As they were returning northward, a party of Catawbas overtook them before they reached the Potomac, but were defeated in a pitched battle 2 miles (3 km) south of Leesburg. The surviving Lenape buried their dead in a huge burial mound, and early settlers reported that they would return to this mound to honor their dead on the anniversary of this battle for many years thereafter. The date of this conflict is unknown, but it seems the Lenape and Catawba were indeed at war in the 1720s and 1730s.
European settlement near Leesburg began in the late 1730s as Tidewater planters moved into the area from the south and east, establishing large farms and plantations. Many of the First Families of Virginia were among those to settle in the area, including the Carters, Lees and Masons. The genesis of Leesburg occurred sometime before 1755 when Nicholas Minor acquired land around the intersection of the Old Carolina Road and the Potomac Ridge Road (present-day Route 7) and established a tavern there. Despite lack of growth around the tavern, upon Loudoun County’s formation in 1757, Minor dubbed the sparse collection of buildings about his tavern “George Town” in honor of the reigning monarch of Great Britain. The village’s prosperity changed the following year when the British Colonial Council ordered the establishment of the county courthouse at the crossroads. Accordingly, Minor had a town laid out on the traditional Virginia plan of six criss-cross streets. On October 12 of that year (1758) the Virginia General Assembly founded the town of Leesburg upon the 60 acres (0.24 km) that Minor laid out. Leesburg was renamed to honor the influential Thomas Lee and not, as is popular belief, his son Francis Lightfoot Lee who lived in Loudoun and brought up the bill to establish Leesburg. When the post office was established in Leesburg in 1803 the branch was named “Leesburgh”; the “h” persisted until 1894.
During the War of 1812, Leesburg served as a temporary haven for the United States government and its archives (including the Declaration of Independence and the U.S. Constitution and portraits of early American leaders like Benjamin Franklin) when it was forced to flee Washington in the face of the British Army. Some websites have claimed that this resulted in Leesburg temporarily becoming the capital of the United States. However, these claims are not true, as none of the U.S. government bodies were present in Leesburg at the time. When reconstruction began on the Capitol, Potomac marble from quarries just south of Leesburg was used.
Early in the American Civil War Leesburg was the site of the Battle of Ball’s Bluff, a small but significant Confederate victory. The battlefield, along the Potomac River 2 miles (3 km) northeast of the town center, is marked by one of America’s smallest national cemeteries. The town frequently changed hands over the course of the war as both armies traversed the area during the Maryland and Gettysburg campaigns. The Battle of Mile Hill was fought just north of the town prior to its occupation by Robert E. Lee in September 1862. Leesburg also served as a base of operations for Col. John S. Mosby and his partisan Raiders. Some people consider the local courthouse among the few courthouses in Virginia not burned during the Civil War (1861–1865); the present one was built in 1894. In 1889 a 14-year-old African-American Orion Anderson was killed by a white mob at the town’s freight depot; his murder would be the second of three recorded lynchings in Loudoun County, Virginia, between 1880 and 1902.
In the 20th century, Leesburg was the home of World War II General George C. Marshall, architect of the famous Marshall Plan that helped re-build Europe after the war, and radio personality Arthur Godfrey, who donated land for the town’s first airport.
Leesburg continues to serve as the center of government and commerce for Loudoun County. The town’s historic district was placed on the National Register of Historic Places in 1970 and cited as one of the best preserved and most picturesque downtowns in Virginia. Downtown merchants have recently labeled themselves “Loudoun’s Original Town Center,” largely in response to the growing number of mixed-use shopping areas in proximity. Leesburg has served Loudoun’s county seat continuously since the county’s formation in 1757.
The Leesburg area contains twenty-one entries on the National Register of Historic Places, including:
At least sixty-three historic markers are located in and near Leesburg.
Leesburg is located northeast of the center of Loudoun County at 39°7′N 77°33′W / 39.117°N 77.550°W (39.109, −77.558), It is part of the northern Virginia Piedmont and sits at the base of the easternmost chain of the Blue Ridge Mountains, Catoctin Mountain. The town lies in the Culpeper Basin (an inland sea during the Jurassic period) and is adjacent to the valley of the Potomac River, so that the local relief is less pronounced than in other Virginia Piedmont towns. Elevation in town ranges from about 350 to 400 feet (110 to 120 m), with the ridge of Catoctin Mountain rising to 670 feet (200 m) just west of the town limits. The Town Branch of Tuscarora Creek passes through the center of town, flowing east to Goose Creek, a tributary of the Potomac.
According to the United States Census Bureau, the town has a total area of 12.4 square miles (32 km), of which 0.06 square miles (0.16 km), or 0.54%, are water.
Census estimates as of July 1, 2018, showed the population of Leesburg at 53,917 people. According to the 2010 census, there were 42,616 people including 14,441 households, and 10,522 families residing in the town. The population density was 3,673 inhabitants per square mile (1,418/km). There were 15,119 housing units at an average density of 1,220.2 per square mile (471.1/km). The racial makeup of the town was 71.1% White, 9.5% African American, 0.4% Native American, 7.1% Asian, 0.0% Pacific Islander, 7.5% from other races, and 4.3% from two or more races. Hispanic or Latino of any race were 17.4% of the population.
Of all households, 44.4% had children under the age of 18 living with them, 57.8% were married couples living together, 10.5% had a female householder with no husband present, and 27.1% were non-families. 21.1% were made up of individuals, and 4.9% had someone living alone who was 65 years of age or older. The average household size was 2.93 and the average family size was 3.42.
By age, the population was 30.7% under the age of 18, 5.5% from 18 to 24, 32.9% from 25 to 44, 23.4% from 45 to 64, and 6.1% who were 65 years of age or older. The median age was 33.3 years. For every 100 females, there were 95.7 males. For every 100 females age 18 and over, there were 93.6 males.
The median income of the households in the town was $68,861, and the median income of the families was $78,111 (these figures had risen to $87,346 and $105,260 respectively as of a 2007 estimate). Males had a median income of $51,267 versus $35,717 for females. The per capita income for the town was $30,116. About 2.4% of families and 3.6% of the population were below the poverty line, including 3.8% of those under age 18 and 8.2% of those age 65 or over.
Leesburg has four public high schools operated by the Loudoun County Public School system: Loudoun County High School, Heritage High School, Tuscarora High School, and Riverside High School.
Leesburg is also served by several private schools, including Providence Academy, a K–8 non-denominational Christian school; Leesburg Christian School, a K–12 non-denominational Christian school; and pre-K-8 Loudoun Country Day School.
The Leesburg Volunteer Fire Company provides fire protection services. The Loudoun County Volunteer Rescue Squad provides rescue and emergency medical services. Both the fire company and rescue squad are volunteer organizations supplemented with partial staffing from the Loudoun County Department of Fire, Rescue and Emergency Management. The fire company can trace its roots back to 1803; the rescue squad was formed in 1952.
Leesburg is served by a town police department. The Leesburg Police Department (LPD) has an authorized strength of 90 sworn officers and provides 24/7 patrol service to the town, as well as handling criminal investigations, traffic control, and special operations within the town. The department is completely separate from the Loudoun County Sheriff’s Office, which is Loudoun County’s primary law enforcement agency and provides security for the courthouse in Leesburg. The LPD was formed in 1758.
The Loudoun Times-Mirror is a Leesburg-based weekly newspaper serving Loudoun County. There are no longer any local radio stations after the former WAGE (now WTSD) was shut down in 2007. Leesburg is assigned to the Washington, D.C. media market, and is covered by its major television and radio stations; broadcasters from Baltimore, Frederick, and Winchester are also readily available.
The primary highways serving Leesburg include U.S. Route 15, Virginia State Route 7 and Virginia State Route 267.
US 15 enters Leesburg from the southwest, following King Street, then joins the Leesburg Bypass to pass southeast of downtown. It rejoins King Street as it leaves the bypass on the northeast end of town on its way toward Maryland. The old alignment of US 15 is now U.S. Route 15 Business. Via US 15, travelers can reach Warrenton 34 miles (55 km) to the southwest and Frederick, Maryland, 25 miles (40 km) to the northeast.
SR 7 enters Leesburg from the west along Market Street and immediately joins the Leesburg Bypass to pass southwest of downtown. It rejoins Market Street as it leaves the bypass southeast of downtown. The old alignment of SR 7 is now Virginia State Route 7 Business. SR 7 37 miles (60 km) west to Winchester and 35 miles (56 km) southeast to Alexandria.
SR 267 enters Leesburg from the south along the Dulles Greenway and terminates at the Leesburg Bypass (US 15 and SR 7). SR 267 functions as a high speed bypass of SR 7 southeast of Leesburg, but is also a toll road.
Loudoun County Transit provides public transportation services in Leesburg.
Leesburg operates the Leesburg Executive Airport at Godfrey Field, which serves Loudoun County with private and corporate aircraft operations. A designated reliever airport for Dulles International, the airport accounts for nearly $78 million per year in economic impact according to a 2011 study by the Virginia Department of Aviation. It is home (as of 2005) to over 240 aircraft, and hosts 20–30 jet operations per day. The airport was built in 1963 to replace the original Leesburg airport, which Arthur Godfrey owned and referred to affectionately as “The Old Cow Pasture” on his radio show. Godfrey, who, by the early 1950s, had purchased the Beacon Hill Estate west of Leesburg, used a DC-3 to commute from his farm to studios in New York City every Sunday night during the 1950s and 1960s. His DC-3 was so powerful and noisy that Godfrey built a new airport, funding it through the sale of the old field. Originally named Godfrey Field, it is now known as Leesburg Executive Airport at Godfrey Field.
Also located near Leesburg is the National Conference Center, which the Xerox Corporation built in the 1970s. Government entities and private business use the Conference Center for meetings and conferences. Three main focal points connect this maze of underground buildings, one of which is currently the headquarters of Civilian Police International, a government sub-contract company.
Market Station, located in the southeast portion of Leesburg’s Historic District, contains a number of high-tech and legal offices, retail shops, and restaurants that are housed within seven restored historic buildings (a railroad freight station, a railroad stationmaster’s house, a log house, two barns and two gristmills, some of which were reconstructed in or relocated to the site. A plaza on the east side of the site contains several structures painted in the yellow and green colors of the stations of the Washington and Old Dominion Railroad, which served the town until 1968.
Iridium Communications Inc. (formerly Iridium Satellite LLC) system of satellites is “guided from the basement of a featureless two-story office building” located in Leesburg.
According to Leesburg’s FY 2019 Comprehensive Annual Financial Report, the top employers in the town are:
Small Fleet Commercial Truck Insurance
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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.