Insurance Requirements for Owner Operators Mansfield, Ohio
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Mansfield, Ohio. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Mansfield, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mansfield, Ohio in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Mansfield is a city in and the county seat of Richland County, Ohio, United States. Located midway between Columbus and Cleveland via Interstate 71, it is part of Northeast Ohio region in the western foothills of the Allegheny Plateau. The city lies approximately 65 miles (105 km) southwest of Cleveland, 45 miles (72 km) southwest of Akron and 65 miles (105 km) northeast of Columbus.
The city was founded in 1808 on a fork of the Mohican River in a hilly region surrounded by fertile farmlands, and became a manufacturing center owing to its location with numerous railroad lines. After the decline of heavy manufacturing, the city’s economy has since diversified into a service economy, including retailing, education, and healthcare sectors. The 2020 Census showed that the city had a total population of 47,534, making it the 21st-largest city in Ohio. The city anchors the Mansfield Metropolitan Statistical Area (MSA), which had a population of 124,936 residents in 2020, while the Mansfield–Bucyrus, OH Combined Statistical Area (CSA) had 219,408 residents.
Mansfield’s official nickname is “The Fun Center of Ohio”. It is the largest city in the Mid-Ohio region of the state, the north-central region which is generally considered to extend from Marion, Delaware, Knox, Morrow, Crawford, Ashland and Richland counties in the south, to the Firelands area south of Sandusky in the north. Mansfield is also known as the “Carousel Capital of Ohio,” “Danger City,” “Little Flint,” “Little Detroit,” “Little Chicago,” “The Queen of Ohio,” and “Racing Capital of Ohio”.
Anchored by the Richland Carousel District, downtown Mansfield is home to a number of attractions and arts venues. Concert events in the downtown Brickyard venue have drawn crowds numbering over 5,000 people. Mansfield, in partnership with local and national partners, is addressing blight and economic stagnation in the city center. The Renaissance Performing Arts Association at home in the historic Renaissance Theatre annually presents and produces Broadway-style productions, classical music, comedy, arts education programs, concerts, lectures, and family events to more than 50,000 people. The Renaissance Performing Arts is home of the Mansfield Symphony Orchestra. Downtown is also home to two ballet companies, NEOS Ballet Theatre and Richland Academy Dance Ensemble who both perform and offer community dance opportunities in downtown. Mid-Ohio Opera offers performances of full opera and smaller concerts.
Mansfield was laid out and founded by James Hedges, Joseph Larwell, and Jacob Newman, and was platted in June 1808 as a settlement. It was named for Colonel Jared Mansfield, the United States Surveyor General who directed its planning. It was originally platted as a square, known today as the public square or Central Park. During that same year of its founding, a log cabin was built by Samuel Martin on lot 97 (where the H.L. Reed building is now), making it the first and only house to be built in Mansfield in 1808. Martin lived in the cabin during the winter and illegally sold whiskey to Indians, which compelled Martin to flee the country. James Cunningham moved into the cabin in the year of 1809. At that time, there were less than a dozen settlers in Richland County and Ohio was still largely wilderness. Two blockhouses were erected on the public square during the War of 1812 for protection against the North American colonies and its Indian allies. The block houses were erected in a single night. After the war ended, the first courthouse and jail of Richland County were located in one of two blockhouses until 1816. The blockhouse was later used as a school with Eliza Wolf being its teacher.
Mansfield was incorporated as a village in 1828 and then as a city in 1857 with a population of 5,121. Between 1846 and 1863, the railroads came to the city with the Sandusky, Mansfield and Newark Railroad being the first railroad to reach Mansfield in 1846, the Pittsburgh, Fort Wayne and Chicago Railway in 1849, and the Atlantic and Great Western Railroad in 1863. The city was a center of manufacturing and trade in the late 1880s thanks to the four railroads that passed through the community. Dozens of manufacturing businesses operated in the city, producing goods like brass objects, doors, linseed oil, paper boxes, suspenders, and numerous other items. Mansfield’s largest employer in 1888 was a cigar maker, Hautzenroeder & Company, that had 285 workers employed. In 1888, Frank B. Black borrowed $5,000 from relatives to start a brass foundry, the Ohio Brass Company, specializing in brass and bronze castings, stem brass goods, electric railway supplies and more. By 1890, 13,473 people lived in the city.
By 1908, the blockhouse became a symbol of Mansfield’s heritage during its 100th birthday celebration, and in 1929, the blockhouse was relocated to its present location at South Park.
The Mansfield Tire and Rubber Company was founded in the city in 1912, producing tires for automobiles. During the 1920s and 1930s, the Mansfield tire brand stood shoulder to shoulder with Goodyear, Goodrich, Firestone and Uniroyal, the “Big Four” tire name brands in the industry at the time. The Mansfield Tire and Rubber Company continued to grow through the 1950s and 1960s, before its production started to decline in the 1970s. The company declared bankruptcy in the early 1980s, after closing in 1979, leaving 1,721 workers out of a job.
In 1913, parts of Mansfield were flooded when the Great Flood of 1913 brought 3 to 8 inches (76 to 203 mm) of rainfall across Ohio between March 24 and 25. The first road across America, the Lincoln Highway, came to the city in 1913, smoothing the path for economic growth. In 1924, Oak Hill Cottage, a Gothic Revival brick house, built in 1847 by John Robinson, superintendent of the Sandusky, Mansfield and Newark Railroad was the setting of The Green Bay Tree, Mansfield native Louis Bromfield’s first novel.
In 1927, the 9-story Leland Hotel was constructed downtown on the southwest corner of Park Avenue West and South Walnut Street at a cost of $556.000. The Leland Hotel was the tallest building in Mansfield when completed, and was designed by architect Vernon Redding, that also designed the Mansfield Public Library, Farmers Bank Building, Mansfield Savings Bank Building and Mansfield General Hospital. The hotel was razed in 1976 to make way for a parking lot. What remains of the Leland Hotel today is the hotel’s compass rose that was embedded in the sidewalk along Walnut Street where the front door of the hotel once was.
Like many cities in the Rust Belt, the 1970s and 1980s brought urban blight, and losses of significant household name blue-collar manufacturing jobs. In recent years, Mansfield’s downtown, which once underscored the community’s economic difficulties, has seen innovative revitalization through the establishment of Main Street Mansfield (known today as Downtown Mansfield, Inc.), and is a site of new business growth. In 1993, Lydia Reid was sworn in as the city’s first female mayor and became the longest-serving mayor of Mansfield encompassing three four-year terms. Reid was succeeded in 2007 by Donald Culliver, the city’s first black mayor.
In December 2009, the city was placed on fiscal watch by the state auditor citing substantial deficit balances in structural operating general funds. On August 19, 2010, Mansfield would become Ohio’s largest city to be declared in fiscal emergency with a deficit of $3.8 million after city officials failed to pass measures on cost-savings and cut spending, blaming it on the Great Recession. The city’s financial crisis lasted nearly four years before being lifted out of fiscal emergency on July 9, 2014.
Mansfield is located at 40°45′17″N 82°31′22″W / 40.75472°N 82.52278°W (40.754856, −82.522855), directly between Columbus and Cleveland, however, the city lies in the western foothills of the Allegheny Plateau, and its elevation is among the highest of Ohio cities. The highest point in the city 1,493 feet (455 m) above sea level is located at the Woodland Reservoir, an underground water storage (service reservoir) along Woodland Road in southwest Mansfield. The elevation in downtown Mansfield, which is located at Central Park is 1,240 feet (378 m) above sea level, and at Mansfield Lahm Airport, the elevation is 1,293 feet (394 m) above sea level. The highest point in Richland County, second highest point in Ohio (after Campbell Hill) is between 1,510 feet (460 m) and 1,520 feet (463 m) above sea level is located southwest of the city, just off Lexington-Ontario Road at Apple Hill Orchards in Springfield Township.
According to the United States Census Bureau, the city has a total area of 30.92 square miles (80.08 km), of which, 30.87 square miles (79.95 km) is land and 0.05 square miles (0.13 km) is water.
Mansfield is bordered by Madison Township to the east, northwest and southwest, Franklin Township to the north, Weller Township to the northeast, Washington Township to the south, Troy Township to the southwest, Springfield Township and the suburban city of Ontario to the west.
Mansfield has a humid continental climate (Köppen Dfa), typical of the Midwest, with four distinct seasons. The city is located in USDA hardiness zones 5b (-15 °F to -10 °F) and 6a (-10 °F to -5 °F). Winters are cold and dry but typically bring a mix of rain, sleet, and snow with occasional heavy snowfall and icing. January is the coldest month with an average mean temperature of 26.5 °F (−3 °C), with temperatures dropping to or below 0 °F (−18 °C) 5 days per year on average. Snowfall is lighter than in the snowbelt areas to the northeast, but is still somewhat influenced by Lake Erie, located 38 miles (61 km) north of the city. Snowfall averages 49.2 inches (125 cm) per season. The greatest 24-hour snowfall was 23 inches (58 cm) on December 22–23, 2004 when the city was impacted by a major ice storm following the Pre-Christmas 2004 snowstorm, bringing with it a band of freezing rain and sleet led by ice and snow accumulations. Another notable snowstorm to impact the region was the Great Blizzard of 1978. The snowiest month on record was 52.5 inches (133 cm) in February 2010, while winter snowfall amounts have ranged from 91.0 in (231 cm) in 1995–96 to 12.5 in (32 cm) in 1932–33. Springs are short with rapid transition from hard winter to sometimes very warm, and humid conditions. Summers are typically very warm, sometimes hot, and humid with temperatures exceeding 90 °F (32 °C) 8 days per year on average. July is the warmest month with an average mean temperature of 72.6 °F (23 °C). Fall usually is the dryest season with many clear warm days and cool nights. Severe Thunderstorms are not uncommon during the spring, summer, and fall bring with them the threat of large hail, damaging winds and in rare cases tornadoes. Flooding can also occur from time to time such as the 2007 Midwest flooding that took place in the region on August 20–21, 2007 when Mansfield received 6.24 inches (158 mm) of rain in 24 hours. Monthly precipitation has ranged from 13.23 in (336 mm) in July 1992 to 0.25 in (6.4 mm) in December 1955, while for annual precipitation the historical range is 67.22 in (1,707 mm) in 1990 to 21.81 in (554 mm) in 1963.
The all-time record high temperature in Mansfield of 105 °F (41 °C) was established on July 21, 1934, which occurred during the Dust Bowl drought of the 1930s, and the all-time record low temperature of −22 °F (−30 °C) was set on January 20, 1985, and January 19, 1994. The first and last freezes of the season on average fall on October 19 and April 27, respectively, allowing a growing season of 174 days. The normal annual mean temperature is 50.6 °F (10.3 °C). Normal yearly precipitation based on the 30-year average from 1991 to 2020 is 42.49 inches (1,079 mm), falling on an average 150 days.
As of the census of 2010, there were 47,821 people, 18,696 households, and 10,655 families residing in the city. The population density was 1,549.1 inhabitants per square mile (598.1/km). There were 22,022 housing units at an average density of 713.4 per square mile (275.4/km). The racial makeup of the city was 73.3% White, 22.1% African American, 0.2% Native American, 0.7% Asian, 0.1% Pacific Islander, 0.5% from other races, and 3.0% from two or more races. Hispanic or Latino of any race were 1.9% of the population.
There were 18,696 households, of which 27.5% had children under the age of 18 living with them, 36.0% were married couples living together, 16.6% had a female householder with no husband present, 4.4% had a male householder with no wife present, and 43.0% were non-families. 37.1% of all households were made up of individuals, and 14.6% had someone living alone who was 65 years of age or older. The average household size was 2.21 and the average family size was 2.88.
The median age in the city was 38.5 years. 20.2% of residents were under the age of 18; 10.1% were between the ages of 18 and 24; 28% were from 25 to 44; 26% were from 45 to 64; and 15.7% were 65 years of age or older. The gender makeup of the city was 53.0% male and 47.0% female.
As of the census of 2000, there were 49,346 people, 20,182 households, and 12,028 families residing in the city. The population density was 1,649.8 inhabitants per square mile (637.0/km). There were 22,267 housing units at an average density of 744.6 per square mile (287.5/km). The racial makeup of the city was 76.77% White, 19.65% African American, 0.28% Native American, 0.63% Asian, 0.04% Pacific Islander, 0.56% from other races, and 2.07% from two or more races. Hispanic or Latino of any race were 1.23% of the population.
There were 20,182 households, out of which 27.3% had children under the age of 18 living with them, 40.5% were married couples living together, 15.2% had a female householder with no husband present, and 40.4% were non-families. 34.8% of all households were made up of individuals, and 13.8% had someone living alone who was 65 years of age or older. The average household size was 2.28 and the average family size was 2.93.
In the city the population was spread out, with 23.9% under the age of 18, 9.3% from 18 to 24, 29.7% from 25 to 44, 21.7% from 45 to 64, and 15.5% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 98.5 males. For every 100 females age 18 and over, there were 96.1 males.
The median income for a household in the city was $30,176, and the median income for a family was $37,541. Males had a median income of $30,861 versus $21,951 for females. The per capita income for the city was $17,726. About 13.2% of families and 16.3% of the population were below the poverty line, including 24.5% of those under age 18 and 9.6% of those age 65 or over.
As of 2000, speakers of English accounted for 95.98% of residents, Spanish by 1.46%, German by 1.11%, and French speakers comprised 0.56% of the population.
Other languages that were spoken throughout the city include Chinese at 0.21%, Italian at 0.17%, Japanese at 0.11%, and Greek at 0.10% of the population. Mansfield also has a small percentage of residents who speak first languages other than English at home (4.02%).
Mansfield has a mayor-council government. The mayor who is elected every four years, always in November, one year before United States presidential elections and limited to a maximum of three terms. Mayors are traditionally inaugurated on or around the first of December. The current mayor is Timothy Theaker, a Republican, elected in 2011.
Mansfield city council is an eight-member legislative group that serve four-year terms. Six of the members represent specific wards; two are elected citywide as at-large council members. Republican David Falquette has been Mansfield’s council president since January 2021. The members of the city council are:
The city is represented in the Ohio House of Representatives by Marilyn John (R) from the 2nd district; in the Ohio Senate by Mark Romanchuk (R) from the 22nd Ohio Senate District; in the U.S. House of Representatives by Troy Balderson (R) from Ohio’s 12th congressional district; and in the U.S. Senate by Sherrod Brown (D) and Rob Portman (R).
While Mansfield and Richland County have historically supported the Republican Party for decades, other parts of Ohio like Cleveland and parts of Northeast Ohio have historically supported the Democratic Party. During the 2008 Presidential election, although Barack Obama carried Ohio, John McCain carried Richland County. According to The New York Times, the northern and less so central regions of Mansfield voted for Joe Biden over Donald Trump in the 2020 United States presidential election. The southern and southwestern regions ranged from +4.1 points pro Trump to +19 points pro Trump, while the northwestern and eastern regions ranged from +25 points to +59 points pro Trump.
The City of Mansfield is policed by a Municipal Police Department, the Mansfield Division of Police. According to the FBI statistics, Mansfield has a violent crime rate particularly high. Mansfield’s crime rate is worse than 89.5% higher than other cities in the United States. Property crime rate was more than double the state average. There were 187 violent offenses, 3 murders, 48 forcible rapes, 38 robberies and 98 aggravated assaults that were reported in 2019, compared with 1,996 property crimes (396 burglaries, 1,523 larceny-thefts, 77 motor vehicle thefts and 17 incidents of arson) that were reported that same year. Neighborhoodscout.com reported a crime rate of 42.83 per 1000 residents for property crimes, and 4.01 per 1000 for violent crimes in 2019 (compared to national figures of 21.11 per 1000 for property crimes and 3.8 per 1000 for violent crimes in 2019).
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.