Insurance Requirements for Owner Operators Levittown, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Levittown, Pennsylvania. 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 Levittown, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Levittown, Pennsylvania 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.
Levittown is a census-designated place (CDP) and planned community in Bucks County, Pennsylvania, United States. It is part of the Philadelphia metropolitan area. The population was 52,983 at the 2010 census. It is 40 feet (12 m) above sea level. Though not a municipality, it is sometimes recognized as the largest suburb of Philadelphia (while Upper Darby Township, Lower Merion Township, Bensalem Township, Abington Township and Bristol Township are municipalities larger in size in the three surrounding Pennsylvania counties). Starting with land purchased in 1951, it was planned and built by Levitt & Sons. The brothers William Levitt and architect Alfred Levitt designed its six typical houses.
Levittown is located 72.5 miles (116.7 km) southeast of Allentown and 26.6 miles (42.8 km) northeast of Philadelphia.
Most of the land on which Levittown is built was purchased in 1951. Levitt and Sons only built six models of houses in Levittown, all single-family dwellings with lawns: the Levittowner, the Rancher, the Jubilee, the Pennsylvanian, the Colonial and the Country Clubber, with only modest exterior variations within each model. The homes were moderately priced and required only a low down payment. Construction of Levittown began in February 1952, soon after completion of Levittown, New York, located on Long Island. Levittown, Pennsylvania, was the second “Levittown” built by William J. Levitt, who is often credited as the creator of the modern American suburb. To speed up construction, Levitt & Sons perfected a 26-step rationalized building method that was essentially an assembly line type of home building. The house remained stationary, while the construction workers moved from house to house. Each worker had one task such as pouring slabs, framing, installing electric sockets or installing washing machines. This highly regimented process enabled Levitt’s workers to produce a finished house every 16 minutes. Construction of the homes commenced in 1952 and when completed in 1958, 17,311 homes were built.
What set Levittown apart from other developments at the time was that it was built as a complete community. Levitt & Sons designed neighborhoods with traffic-calming curvilinear roads, in which there were no four-way intersections. Each neighborhood had within its boundaries a site donated by Levitt & Sons for a public elementary school. Locations for churches and other public facilities were set aside on main thoroughfares such as the Levittown Parkway, likewise donated by the builder to religious groups and other organizations. Other amenities included Olympic-sized public pools, parks, “greenbelts”, baseball fields and playgrounds, and a shopping center located in neighboring Tullytown borough that was considered large and modern at the time of its construction (and in fact was the largest east of the Mississippi). The first set of four sample homes were put on display in a swatch of land near the future Levittown Shop-a-Rama, and an estimated 30,000 people viewed them in that first weekend.
Residents (who are sometimes called Levittowners) were first expected to comply with a lengthy list of rules and regulations regarding the upkeep of their homes and use of their property. Two of these “rules” included a prohibition on hanging laundry out to dry on Sunday and not allowing homeowners to fence off their yards. These proved unenforceable over time, particularly when backyard pools became financially accessible to the working class and privacy concerns drove many to fence off their yards. In the years since Levitt & Sons ended construction, three- and four-story “garden apartments” and a number of non-Levitt owner-occupied houses have been built in Levittown.
William Levitt had a career-long commitment to a whites-only policy in their developments. Levitt & Sons would not sell homes to African Americans. Levitt did not consider himself to be a racist, considering housing and racial relations entirely separate matters. Initially, the Federal Housing Administration (FHA) conditioned essential financing for this and similar projects on the restriction of home sales to those of “the Caucasian race”, as stipulated in housing rent and sales agreements and deed covenants. This did not prevent Bea and Lew Wechsler, a Jewish couple from the Bronx, from connecting an African-American family to a neighbor who desired to sell his home. Levittown’s first Black couple, William and Daisy Myers, bought a home in the Dogwood Hollow section in 1957. Their move to Levittown was marked with racist harassment and mob violence, which required intervention by state authorities. This led to an injunction and criminal charges against the harassers while the Myerses and their supporters refused to surrender and received national acclaim for their efforts. For instance, Daisy Myers has been hailed as “The Rosa Parks of the North”, who helped expose the northern states’ problems with racial inequality of that time. Daisy Myers later wrote a book about her family’s experiences. She died Dec. 5, 2011, in York, Pa. The NAACP and the ACLU opposed Levitt’s racist policies, and the Federal Housing Administration threatened to refuse mortgages on his next Levittown. Levitt still refused to sell to blacks, and developed plans for yet another whites-only Levittown—this one to be in Willingboro Township, N.J.—while fighting legal challenges in New Jersey courts. Ultimately the U.S. Supreme Court refused to hear his case.
The community’s otherwise placid exterior was again disturbed during the so-called suburban gas riots of June 1979 in the wake of the Camp David Peace Accords, which resulted in a second embargo by Arab oil-producing nations. The unrest occurred June 24–25, 1979, as lines swelled and tempers flared in the heart of Levittown at an intersection known as Five Points, a location surrounded by six service stations, two of which were severely damaged by vandalism in the riots. The two days of riots made national headlines and were mentioned (although not directly by name) in the draft of an address to the nation that was to have been delivered by President Jimmy Carter on July 5, 1979.
A baseball team from Levittown won the Little League World Series in 1960. Levittown American beat an opponent from Fort Worth, Texas, to win the honor.
Of the five public pools built by Levitt & Sons and operated by the Levittown Public Recreation Association (LPRA), four were closed in 2002, with the exception being one located in the Pinewood section. LPRA Headquarters (and other landmarks) of this prototypical post-war suburb of sometimes mythic importance have been the focus of historic preservation efforts. Since 2002, studies have been underway to establish the Levittown Historic District.
Since its inception in 1988, the Bucks County St. Patrick’s Day Parade has been held in Levittown. Every year, the parade steps off from St Joseph the Worker Church, and proceeds two miles (3 km) on New Falls Road to Conwell-Egan Catholic High School. St Joseph the Worker Church has since been torn down.
Levittown is not an incorporated place, though efforts in the early 1950s were made to incorporate. Some Levittown residents feared that incorporation would lead to higher taxes, by robbing the prospective municipality of a commercial tax base.
Levittown Shop-a-Rama, the 1955 Levittown Shopping Center in Tullytown was a 60-acre L-shaped pedestrian mall at the edge rather than the center of Levittown, with two strips of stores faced the 6,000-car parking lot with a courtyard that had green spaces, benches, and entrances to the stores. The center’s largest, anchor department store (Pomeroys, which was acquired by Boscov’s) and other chain retailers such as Food Fair, Woolworth’s, JC Penney, Kresges, Yards, Lobel’s, W.T. Grant, Pep Boys, and Sears were Levitt-favored tenants.
The shopping center began a slow decline in the mid-1970s from which it never recovered with the building of the Oxford Valley Mall. The mall, located just north of Levittown, in Langhorne in Middletown Township, drew shoppers away from the older Levittown facility, given Oxford Valley’s much larger size and enclosed shopping environment. In 2002, the redeveloped site of the Shop-a-rama was reopened as the Levittown Town Center. The completed facility contains 468,675 square feet (43,541.3 m) of retail space.
Levittown’s 41 neighborhoods (locally called “sections”) are found in parts of four separate municipalities:
The names of the streets within each section uniformly begin with the same letter that begins the name of the section in question except for the section of Green Lynne, which was not constructed by Bill Levitt. This plan offers a good clue as to where any particular street might be located. “X” and “Z” are not used for section or street names. As there are more than 24 section names, “road” is used for street names in sections to the west of Edgely Road, “lane” is used in those section to the east. Sections are surrounded by a “drive” with the same name as the section. For example, the Pinewood section is circled by Pinewood Drive, while Snowball Gate is surrounded by Snowball Drive. Some sections have their drive broken into multiple parts, with similar names. Forsythia Gate has Forsythia Drive North and Forsythia Drive South.
Almost all other roads or lanes in the sections connect on one or both ends to the drive of that section. In some sections, such as Goldenridge, the shape of the section prevents the drive from surrounding the section, or allowing all roads in the section from connecting to the drive. The drives of adjacent sections, are frequently connected with small connector streets. In addition, small connector streets are used to connect the section drive with a nearby main thoroughfare. The names of these small connectors typically start with one of the letters from the adjacent sections, and tend to have a name reminiscent of their purpose or their location. Some examples: Learning Lane connects Lakeside and Pinewood, and borders Walt Disney Elementary School. Short Lane connects Stoneybrook and Farmbrook. Not all small connector streets are named.
Red Rose Gate, Forsythia Gate, and Snowball Gate are collectively known as “The Gates.” (These were the only sections without sidewalks so as to lend a more “executive” appearance to the neighborhoods.) Lakeside sits next to Levittown Lake. Thornridge has its upper half that sits on a ridge, that was found to have Thorn Bushes. Vermilion Hill is named after the color that the trees on its prominent hill turned in the Fall. Magnolia Hill is on a prominent hill. Mill Creek Falls is found next to a creek by the same name.
Middletown residents are served by public schools run by the Neshaminy School District. Bristol Township public schools are managed by the Bristol Township School District. Falls Township and Tullytown Borough residents are served by the Pennsbury School District.
Some students attend schools run by Roman Catholic, Lutheran, evangelical Protestant and Quaker organizations, in and around Levittown.
Levittown is located at 40°9′15″N 74°50′59″W / 40.15417°N 74.84972°W. Levittown lies in the southern end of Bucks County (“Lower Bucks”), between Philadelphia and Trenton, New Jersey; Downtown Philadelphia (“Center City”) is approximately 22 miles (35 km) away. It is part of the Philadelphia metropolitan area (an area also known generally as the Delaware Valley). It is adjacent to and nearly surrounds Fairless Hills, a suburban community more modest in scale, but that shares many of Levittown’s characteristics.
According to the United States Census Bureau, the CDP has a total area of 10.2 square miles (26 km), of which 0.5 km (0.59%) is water. It has a humid subtropical climate (Cfa) bordering a hot-summer humid continental climate (Dfa) and average monthly temperatures in the central CDP range from 32.2 °F in January to 76.1 °F in July. The local hardiness zone is 7a.
SEPTA Regional Rail serves Levittown to the south at its Levittown station on the Trenton Line, and to the north at its Langhorne and Woodbourne stations on the West Trenton Line. Interstate 295 (I-295) runs to the north and west of Levittown, connecting it with the suburbs north of Trenton. The Pennsylvania Turnpike (I-95) runs southwest of Levittown, connecting it with Philadelphia, the western suburbs, and the New Jersey Turnpike. U.S. Route 1 (US 1) runs to the north, carrying traffic directly into downtown Trenton. The nearest international airport is Philadelphia International Airport (Airport Code PHL), approximately 34 miles (55 km) southwest of Levittown. The nearest Amtrak station is just across the Delaware River in Trenton at the Trenton Transit Center, just over 9 miles (14 km) to the east.
Though a steel mill once operated by U.S. Steel provided employment in Falls Township, many Levittown Residents have historically commuted by automobile or train to Philadelphia, Trenton, Princeton and still others to more distant locales in as many as four states. Just over ten percent of employed Levittown Residents both live and work in the community.
As of the 2010 census, Levittown was 87.7% White, 5.1% Hispanic or Latino ancestry of any race, 3.6% Black or African American, 1.7% Asian, 1.6% were two or more races, 0.3% were some other race and 0.2% Native American.
As of the census of 2000, there were 53,966 people, 18,603 households, and 14,510 families residing in the CDP. The population density was 5,309.5 inhabitants per square mile (2,050.0/km). There were 19,044 housing units at an average density of 1,873.7/mi (723.7/km2). The racial makeup of the CDP was 94.4% White, 2.4% African American, 2.2% Hispanic or Latino of any race, 1.2% from two or more races, 0.95% Asian, 0.9% from other races, 0.2% Native American and 0.04% Pacific Islander.
There were 18,603 households, out of which 35.8% had children under the age of 18 living with them, 60.7% were married couples living together, 12.3% had a female householder with no husband present, and 22.0% were non-families. 17.8% of all households were made up of individuals, and 8.5% had someone living alone who was 65 years of age or older. The average household size was 2.89 and the average family size was 3.28.
In the CDP, the population was spread out, with 26.4% under the age of 18, 7.8% from 18 to 24, 30.4% from 25 to 44, 20.9% from 45 to 64, and 14.5% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 96.3 males. For every 100 females age 18 and over, there were 92.6 males.
The median income for a household in the CDP was $52,514, and the median income for a family was $57,220. Males had a median income of $40,411 versus $29,685 for females. The per capita income for the CDP was $20,047. About 3.1% of families and 4.6% of the population were below the poverty line, including 5.6% of those under the age of 18 and 3.5% of those 65 and older.
85.4% of Levittown residents ages 25 or older had at least a high school diploma, while 13.4% had at least a bachelor’s degree.
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.