Insurance Requirements for Owner Operators McLean, Virginia
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators McLean, 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 McLean, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in McLean, 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.
McLean ( mə-KLAYN) is an unincorporated community and census-designated place (CDP) in Fairfax County in Northern Virginia. McLean is home to many diplomats, military, members of Congress, and high-ranking government officials partially due to its proximity to Washington, D.C., the Pentagon and the Central Intelligence Agency. It is the location of Hickory Hill, the former home of Ethel Kennedy, the widow of Robert F. Kennedy. It is also the location of Salona, the former home of Light-Horse Harry Lee, the Revolutionary War hero.
The population of the community was 50,773 at the 2020 census. It is located between the Potomac River and Vienna. McLean is often distinguished by its luxury homes and its nearby high-profit shopping destinations, Tysons Corner Center and Tysons Galleria. The two McLean ZIP Codes – 22101 and 22102 – are among the most expensive ZIP Codes in Virginia and the United States. In 2018, data from the American Community Survey revealed that McLean was the third wealthiest city in the United States, based on its poverty rate of 2.6% and its median household income of $190,258.
The community received its name from John Roll McLean, the former publisher and owner of The Washington Post. Along with Stephen Benton Elkins and French aristocrat Jean-Pierre Guenard, in 1902 he bought the charter for the Great Falls and Old Dominion Railroad. Completed in 1906, it connected the area with Washington, D.C. McLean named a railroad station costing $1,500, of which $500 was raised locally, after himself where the rail line (traveling on the present route of Old Dominion Drive) crossed the old Chain Bridge Road. The community itself was founded in 1910, when the communities of Lewinsville and Langley merged.
McLean is located at 38°56′03″N 77°10′39″W / 38.93417°N 77.17750°W (38.9342776, −77.1774801) at an elevation of 285 feet (87 m). Located on the Capital Beltway (Interstate 495) in Northern Virginia, central McLean is 8 miles (13 km) northwest of downtown Washington, D.C., and 9 miles (14 km) northeast of Fairfax, the county seat.
The community lies in the Piedmont upland on the west bank of the Potomac River. The river forms the community’s northern and eastern borders, and a number of its smaller tributaries flow north and northeast through the CDP. From west to east, these include Bull Neck Run, Scott Run, Dead Run, Turkey Run, and Pimmit Run.
According to the United States Census Bureau, the CDP has a total area of 24.88 square miles (64.4 km) of which 24.79 square miles (64.2 km) is land and 0.09 square miles (0.23 km) is water.
As an inner suburb of Washington, D.C., McLean is a part of both the Washington Metropolitan Area and the larger Baltimore-Washington Metropolitan Area. The CDP includes the unincorporated communities of Langley, Lewinsville, and West McLean, and it borders several other Washington suburbs including: Potomac and Cabin John, Maryland, to the north; Brookmont, Maryland, to the northeast; Arlington to the southeast; Falls Church to the south; Idylwood, Pimmit Hills, and Tysons to the southwest; Wolf Trap to the west; and Great Falls to the northwest.
McLean has a humid climate (Cfa) and is in hardiness zone 7a.
As of the 2010 census, there were 48,115 people, 17,063 households, and 13,453 families residing in the CDP. The population density was 1,940.9 inhabitants per square mile (749.4/km). There were 17,756 housing units at an average density of 716.3 per square mile (276.6/km). The racial makeup of the CDP was 79.3% White, 14.9% Asian, 1.8% African American, 0.1% Native American, 0.8% from other races, and 3.0% from two or more races. Hispanics and Latinos of any race were 4.9% of the population.
There were 17,063 households, out of which 39.6% had children under the age of 18 living with them, 70.5% were married couples living together, 2.4% had a male householder with no wife present, 6.0% had a female householder with no husband present, and 21.2% were non-families. Of all households, 18.0% were made up of individuals, and 10.3% had someone living alone who was 65 years of age or older. The average household size was 2.80, and the average family size was 3.17.
The median age was 45.1 years. 26.9% of the population was under the age of 18, 4.3% was 18 to 24, 18.6% was 25 to 44, 33.2% was 45 to 64, and 17.0% were 65 years of age or older. The gender makeup of the community was 48.2% male and 51.8% female.
The median income for a household in the CDP was $164,888, and the median income for a family was $194,832. Males had a median income of $132,714 versus $87,663 for females. The per capita income for the CDP was $87,073. About 1.3% of families and 2.6% of the population were below the poverty line, including 2.6% of those under the age of 18 and 3.2% of those 65 and older.
Mars and Geebo are among the companies based in McLean. Many businesses in neighboring Tysons, particularly those east of Leesburg Pike (VA Route 7) have a McLean mailing address, because the US Postal Service boundary for West McLean (ZIP Code 22102) generally follows Leesburg Pike.
As of 2012, 61.6% of the population over the age of 16 was in the labor force. 0.4% was in the armed forces, and 61.2% was in the civilian labor force with 58.4% employed and 2.9% unemployed. The occupational composition of the employed civilian labor force was: 73.2% in management, business, science, and arts; 17.9% in sales and office occupations; 5.5% in service occupations; 2.0% in natural resources, construction, and maintenance; 1.4% in production, transportation, and material moving. The three industries employing the largest percentages of the working civilian labor force were: professional, scientific, and management, and administrative and waste management services (27.8%); educational services, health care, and social assistance (17.7%); and public administration (16.6%).
The cost of living in McLean is very high; compared to a U.S. average of 100, the cost of living index for the community is 142.6. As of 2012, the median home value in the community was $908,000, the median selected monthly owner cost was $3,803 for housing units with a mortgage and $1,000+ for those without, and the median gross rent was $2,000+.
The headquarters of the Central Intelligence Agency is located in the Langley area of McLean, and the headquarters of the Office of the Director of National Intelligence is also located in McLean. The U.S. Department of Transportation’s Turner-Fairbank Highway Research Center is also located down the street from the CIA headquarters.
McLean residents are zoned to schools in the Fairfax County Public Schools (FCPS).
FCPS public elementary schools within the CDP include Chesterbrook; Churchill Road; Haycock; Kent Gardens; Franklin Sherman, and Spring Hill. FCPS public middle schools within the CDP include James Fenimore Cooper Middle School and Henry Wadsworth Longfellow Middle School. FCPS public high schools within the CDP include Langley High School and McLean High School.
In addition, the Mount Daniel School of the Falls Church City Public Schools is physically within the McLean CDP.
Several private schools, ranging from pre-school to 12th grade, are located in McLean, including The Langley School, The Madeira School, The Potomac School, Oakcrest School, Saint Luke Catholic School, Saint John School, Brooksfield Montessori, The Montessori School of McLean, and The Country Day School.
The German School Washington, D.C. was previously in McLean.
Nearby colleges and universities include the Marymount University in Arlington and DeVry University (Arlington campus). The University of Virginia’s School of Continuing and Professional Studies has an academic center in Falls Church, just south of McLean. George Mason University is located 9 miles southwest of McLean in Fairfax, Virginia, while American University, Georgetown University and George Washington University are located 6, 7, and 9 miles east of McLean, respectively, in Washington, D.C.
Fairfax County Public Library operates the Dolley Madison Library in the CDP.
The Washington Japanese Language School (WJLS, ワシントン日本語学校 Washington Nihongo Gakkō), a supplementary weekend Japanese school, previously held classes at St. Luke Catholic School in McLean. The institution, giving supplemental education to Japanese-speaking children in the Washington DC area, was founded in 1958, making it the oldest Japanese government-sponsored supplementary school in the U.S.
The Polish School of Washington, D.C., holds classes on Saturdays at Longfellow Middle School, which are funded by the Polish Embassy in Washington, D.C. ABRACE Inc., a Brazilian Portuguese heritage language program, holds weekly classes at McLean High School for children ages 3 to 18.
The Capital Beltway, George Washington Memorial Parkway, Interstate 66, Dulles Access Road, Dolley Madison Boulevard/Chain Bridge Road, Georgetown Pike, and Old Dominion Drive all run through McLean.
The Washington Metro’s Silver Line is southwest of downtown McLean. Both the Silver and Orange lines physically enter the borders in between East Falls Church and West Falls Church. The McLean station on the Silver Line is in the McLean CDP but lies along VA Route 123 about two miles west of downtown McLean. Other Metro stations nearby include West Falls Church in the Orange line, and East Falls Church, on both the Silver and Orange lines, and the Tysons Corner station on the Silver line which also has a McLean address.
WMATA (MetroBus) and Fairfax Connector each have several bus routes traveling through McLean, including routes connecting downtown McLean with the McLean Metrorail station.
The McLean Little League is also located in McLean. In 2005, the girls’ All-Star softball team from McLean Little League won the Little League Softball World Series Championship in Portland, Oregon. MLL’s girls’ All-Star softball team has been the Little League Softball World Series runner-up twice, in 2004 and in 2013. The Mount Daniel School Park, operated by The City of Falls Church, is physically within the McLean CDP. Clemyjontri Park opened in 2006.
Due to its proximity to Washington, D.C., numerous figures from U.S. politics and government live or have lived in McLean, including President Joe Biden and First Lady Jill Biden, former Vice President Dick Cheney and his family, former U.S. Supreme Court Justice Anthony Kennedy, and U.S. Senators Byron Dorgan, Patrick Leahy, and Don Nickles. Foreign diplomats such as Turki bin Faisal Al Saud and Bandar bin Sultan have also lived in McLean. Other famous residents have included the one of the “fathers of the internet”, Vint Cerf, former Republican Speaker of the House of Representatives Newt Gingrich, author and political activist Gore Vidal, science fiction writer James Tiptree, Jr., hockey player Alexander Ovechkin of the Washington Capitals, and basketball players Bradley Beal and Otto Porter for the Washington Wizards. Businessman Steve Salis became a resident of McLean after he purchased Bradley Beal’s mansion in August 2020.
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.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
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.