Insurance Requirements for Owner Operators Mount Lebanon, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Mount Lebanon, 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 Mount Lebanon, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mount Lebanon, 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.
Mt. Lebanon is a township with home rule status in Allegheny County, Pennsylvania, United States. The population was 34,075 at the 2020 census. It is a suburb of Pittsburgh. Established in 1912 as Mount Lebanon, the township was a farming community. With the arrival of the first streetcar lines and the development of the first real estate subdivision, both in 1901, it became a streetcar suburb, offering residents the ability to commute to Downtown Pittsburgh. Further, the opening of the Liberty Tunnel in 1924 allowed easy automobile access to Pittsburgh. In 1975, the renamed Mt. Lebanon adopted one of the first home rule charters in Pennsylvania.
The first European settlers arrived in 1773–1774, having purchased the land from the descendants of William Penn; other pioneers soon bought land from the state government.
In 1912, Mount Lebanon Township was incorporated as a “First Class Township” under Pennsylvania state law. It had formerly been a part of Scott Township, which in turn traces its origins to the long-defunct St. Clair Township. Mount Lebanon was not named for two Cedar of Lebanon trees that were planted in 1850 on Washington Road near the top of Bower Hill Road, but was named after the area from which they came, Mount Lebanon, due to the similarities between the two landscapes. Prior to the incorporation of the township, the “Mount Lebanon” name was used for the area of Upper St. Clair Township near the cedar trees. In the 1880s, a post office located near the transplanted cedar trees was named “Mount Lebanon”. Incorporators of neighboring Dormont Borough initially tried to use the “Mount Lebanon” name in 1909, but were opposed by residents of the future Mount Lebanon Township.
In 1928, Mount Lebanon became the first First Class township in Pennsylvania to adopt the council–manager form of government and has had an appointed manager serving as the chief administrative officer since that time.
Mount Lebanon was a farming community until the arrival of streetcar lines, the first line to Pittsburgh opening on July 1, 1901 followed by a second in 1924. After the arrival of the streetcar lines, which enabled daily commuting to and from Downtown Pittsburgh, Mount Lebanon became a streetcar suburb, with the first real estate subdivision being laid out in November 1901. Further, the opening of the Liberty Tubes in 1924 allowed easy automobile access to Pittsburgh. Between the 1920 and 1930 censuses, the township’s population skyrocketed from 2,258 to 13,403. Today, Pittsburgh’s mass transit agency, the Pittsburgh Regional Transit, or “PRT,” operates a light rail system whose Red Line, which runs underneath Uptown Mt. Lebanon through the Mt. Lebanon Tunnel, merges with the Blue Line in Pittsburgh’s Mt. Washington section. Mt. Lebanon’s only platform station, Mt. Lebanon Station, is in Uptown Mt. Lebanon; the adjacent Dormont Junction and Castle Shannon stations are in neighboring municipalities. And as of the census of 2000, there were 33,017 people living in Mt. Lebanon.
In 1971, Muhammad Ali attempted to purchase a home in Virginia Manor, but racial discrimination prevented him from doing so. However, some residents have claimed that the rejection was due to the anticipated publicity and crowds which would result from the sale of the property to Ali.
On May 21, 1974, the electorate approved a home rule charter, which took effect on January 1, 1975; as such, the community is no longer governed under the provisions of the Pennsylvania Township Code. Mount Lebanon became one of the first municipalities in Pennsylvania to adopt a home rule charter. In the charter, the official name of the municipality became Mt. Lebanon, Pennsylvania; the word “Mount” is abbreviated in all government documents, although the U.S. Postal Service continues to use “Mount.”
Mt. Lebanon is located at 40°22′30″N 80°3′0″W / 40.37500°N 80.05000°W (40.375, -80.05). According to the United States Census Bureau, the township has a total area of 6.06 square miles (15.7 km), all land.
Mt. Lebanon is a highly affluent suburb of Pittsburgh 7 miles (11 km) south of the city’s downtown. There are two small borders with Pittsburgh neighborhoods to the northeast (Brookline) and north (Banksville). The remainder of the northeast border is with the borough of Dormont. The entire western border is with Scott Township. To the south are the two towns which, due to their comparable size and affluence, are most often compared with Mt. Lebanon: Upper St. Clair to the southwest and Bethel Park to the southeast. To the east is Castle Shannon, and finally, to the east-northeast is Baldwin Township (not to be confused with the Borough of Baldwin).
Uptown Mt. Lebanon is the central business district and has Washington Rd. (U.S. Rt. 19 Truck) as its main thoroughfare. (U.S. Rt. 19 Truck continues into Pittsburgh and back out into the city’s northern suburbs and beyond.) Uptown Mt. Lebanon is one of the more built up central business districts outside of Pittsburgh, featuring numerous coffee shops, small galleries, pizzerias, and clothing boutiques. The neighborhood is organized as The Uptown Mt. Lebanon Business and Professional Association.
There are sizable business districts along the borders with Upper St. Clair and Castle Shannon, as well.
Neighborhoods within Mt Lebanon include: Beverly Heights, Cedarhurst Manor, Hoodridge Hilands, Mission Hills, Sunset Hills, Virginia Manor, Twin Hills, and Woodridge.
Virginia Manor is an affluent subdivision, with streets designed to follow the natural contours of the land. Future Governor James H. Duff helped found Virginia Manor in 1929.
As of the census of 2000, there were 33,017 people, 13,610 households, and 9,023 families residing in the township. The population density was 5,457.2 inhabitants per square mile (2,107.0/km). There were 14,089 housing units at an average density of 2,328.7 per square mile (899.1/km). The racial makeup of the township was 96.21% White, 0.61% Black, 0.07% Native American, 2.29% Asian, 0.01% Pacific Islander, 0.18% from other races, and 0.62% from two or more races. Hispanic or Latino of any race were 0.80% of the population.
There were 13,610 households, out of which 31.3% had children under the age of 18 living with them, 57.3% were married couples living together, 7.2% had a female householder with no husband present, and 33.7% were non-families. 30.6% of all households were made up of individuals, and 13.5% had someone living alone who was 65 years of age or older. The average household size was 2.37 and the average family size was 3.00. The median age was 42 years.
In the township the population was spread out, with 24.8% under the age of 18, 4.0% were 18 to 24, 26.9% were 25 to 44, 25.4% were 45 to 64, and 18.8% were 65 years of age or older. For every 100 females, there were 87.1 males. For every 100 females age 18 and over, there were 82.1 males.
The median income for a household in the township was $60,783, and the median income for a family was $79,744 (these figures had risen to $73,765 and $98,731 respectively as of a 2007 estimate.) Males had a median income of $56,183 versus $37,008 for females. The per capita income for the township was $33,652. About 2.2% of families and 3.5% of the population were below the poverty line, including 2.9% of those under age 18 and 4.8% of those age 65 or over.
A large portion of Mt. Lebanon is listed as the Mt. Lebanon Historic District on the National Register of Historic Places. The district contains 3,341 contributing buildings and 21 contributing sites. Most of the buildings (89%) are residential, though two commercial areas are included.
The district is a significant example of the transition from a rural agricultural area to a suburb made possible first by the trolley/streetcar, c. 1901, and later by the automobile in the 1920s and 1930s with the opening of the Liberty Tubes in 1924. The boundaries of the district include those areas that were developed between 1874 and c. 1945.
Mt. Lebanon provides many recreational opportunities for its residents. Fifteen parks are scattered over 200 acres (0.81 km) throughout the community. In addition to the parks, there is an Olympic size swimming pool, open in summer, and a regulation size ice rink and recreation building located adjacent to Mt. Lebanon Park on Cedar Blvd. Mt. Lebanon also boasts one of the oldest public golf courses in western Pennsylvania and has several tennis and basketball courts which are open year-round. Other recreational facilities include a Sand volleyball court, bocce courts, platform tennis, a plethora of picnic pavilions and over eight children’s playgrounds.
Mt. Lebanon School District’s sports teams are a big part of the community. The mascot is currently the Blue Devil, which has occasionally stirred controversy.
Mt. Lebanon is a politically active township; it is represented on the federal and state levels of government by its own residents. Congressman Conor Lamb, who represents the area in the United States House of Representatives as a part of Pennsylvania’s 17th congressional district – is a native and current resident of Mt. Lebanon. Mt. Lebanon is in District 37 of the Pennsylvania Senate and is represented by Devlin Robinson who is a resident of Bridgeville, a borough which is close to but not part of Mt. Lebanon. Mt. Lebanon is in the 42nd District of the Pennsylvania House of Representatives and is represented by resident Dan Miller.
The Mt. Lebanon government takes the form of a commission, made up of 5 commissioners – one from each of Mt. Lebanon’s 5 wards.
The district has seven elementary schools: Foster Elementary School, Hoover Elementary School, Howe Elementary School, Jefferson Elementary School, Lincoln Elementary School, Markham Elementary School, and Washington Elementary School. The two middle schools are Jefferson Middle School and Andrew W. Mellon Middle School. There is one high school: Mt. Lebanon High School. The district has won multiple National Blue Ribbon School awards. The high school was rated as one of the Top 500 high schools in the United States by Newsweek in 2000 and 1st in Western Pennsylvania by the Pittsburgh Business Times in 2005.
Keystone Oaks High School is physically located in Mt. Lebanon but serving the adjacent communities of Greentree, Dormont and Castle Shannon. Seton-La Salle Catholic High School, and the St. Bernard school, both Diocese of Pittsburgh schools, are also in Mt. Lebanon.
The Mt. Lebanon Public Library, founded in 1932, is funded almost entirely by the municipality and county. Its home is a $4.2 million building, with shelves for 140,000 books, seats for 165 persons, and more than 50 public computers. When the building opened in 1997, it won an architectural design award and was featured in the architectural issue of Library Journal.
Media related to Mt. Lebanon Township, Allegheny County, Pennsylvania at Wikimedia Commons
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.