Insurance Requirements for Owner Operators Parma, Ohio
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Parma, 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 Parma, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Parma, 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.
Parma is a city in Cuyahoga County, Ohio, United States, located on the southern edge of Cleveland.
As of the 2020 census, its population was 81,146. Parma is the seventh largest city in the state of Ohio, the largest suburb in the state, and the second largest city in Cuyahoga County after Cleveland.
In 1806, the area that would eventually become Parma and Parma Heights was originally surveyed by Abraham Tappan, a surveyor for the Connecticut Land Company, and was known as Township 6 – Range 13. This designation gave the town its first identity in the Western Reserve. Soon after, Township 6 – Range 13 was commonly referred to as “Greenbriar”, supposedly for the rambling bush that grew there. Benajah Fay, his wife Ruth Wilcox Fay, and their ten children, arrivals from Lewis County, New York, were the first settlers in 1816. It was then that Greenbriar, under a newly organized government seat under Brooklyn Township, began attending to its own governmental needs.
Self-government started to gain in popularity by the time the new Greenbriar settlement contained twenty householders. However, prior to the establishment of the new township, the name Greenbriar was replaced by the name Parma. This was largely due to Dr. David Long who had recently returned from Italy and “impressed with the grandeur and beauty…was reminded of Parma, Italy and…persuaded the early townspeople that the territory deserved a better name than Greenbriar.”
Thus, on March 7, 1826, a resolution was passed ordering the construction of the new township. It stated,
On the same day, a public notice was issued to qualified electors by the County Commissioners. They met at the house of Samuel Freeman on April 3, 1826, to elect township officers according to the law. It was then that the first eleven officers were elected to lead the new government.
During this time, Parma Township remained largely agricultural. The first schoolhouse was a log structure built on the hill at the northern corner of what is now Parma Heights Cemetery. A memorial plate on a stone marks the spot. In 1827, the township was divided into road districts. The Broadview Road of today was then known as Town Line Road as well as Independence Road. Ridge Road was known then as Center Road as it cut through the center of town. York Road was then known as York Street as arrivals from the state of New York settled there. Pearl Road then had many names which included Medina Wooster Pike, Wooster Pike, the Cleveland Columbus Road, and the Brighton and Parma Plank Road.
A stone house, built in 1849 and known as the Henninger House, was occupied by several generations of Henningers and is still standing today. The house rests on one of the higher points in Cuyahoga County, which provided visibility for the entire northeastern part of Parma Township. This was also the same site where the Erie Indians, centuries before, stood to read and send fire signals as well as pray to their spirits.
By 1850, the US census listed Parma Township’s population at 1,329. However, the rising population of the township had slowed over the decades. The Civil War affected Parma much as it did other towns and villages in the nation. Three out of four homes sent a father, sons, or sometimes both, to fight in the war. By 1910, the population of the township had increased to 1,631.
In 1911, Parma Heights, due to the temperance mood of the day, separated itself from the Parma Township after by a vote of 42 to 32 and was incorporated as a village comprising 4.13 square miles.
By 1920, the US census showed Parma Township had a population of just 2,345, but the following decade proved to be a time of significant growth and development for Parma. It was in the 1920s that Parma Township transformed from a farming community into a village. On December 15, 1924, Parma was incorporated as a village.
The largest and fastest growing development of that time was H. A. Stahl’s Ridgewood Gardens development, which started in 1919, continued through the 1920s, and into the 1930s. A resident of Shaker Heights, Ohio’s first Garden City, H. A. Stahl developed Ridgewood as an ambitious “model village” project patterned along the lines of and rivaling the earlier Shaker Heights project with “churches, schools, motion picture theater, community house, and other features forming a part of all well-developed residence communities”. Ridgewood was designed and marketed as a Garden City on 1,000 acres of land to accommodate about 40,000 residents “325 feet above Lake Erie, in the healthiest section of the South Side, free from the smoke of industries, or the congestion and noises of sections nearer the Public Square.”
On January 1, 1931, Parma became a city with a population of 13,899. Whereas the incorporation of the village of Parma was met with much optimism, the newly established city of Parma faced the uncertainty of the Great Depression which had almost entirely stopped its growth. Money was scarce, tax income was limited, and some began to talk of annexation of both the city and school district to Cleveland. Both annexation issues, however, were soundly defeated as Parma voters overwhelmingly voted against them and silenced proponents of annexation. Not long after this, Parma was once again solvent due in large part to the newly created Gallagher Act, a 1936 Ohio law that aided cities threatened with bankruptcy and the determination of Parma’s Auditor, Sam Nowlin. By 1941, a building boom appeared to be underway in Parma just as the United States was about to enter World War II.
After World War II, Parma once again began to experience tremendous growth as young families began moving from Cleveland into the suburbs. Between 1950 and 1960, Parma’s population soared from 28,897 to 82,845. By 1956, Parma was unchallenged as the fastest growing city in the United States. The population peaked in 1970 at 100,216.
In 2016, Parma’s population had declined to 81,601, though it remains one of the Cleveland area’s top three destinations young adults (aged 22 to 34) are increasingly choosing as a place to live, along with Lakewood and downtown Cleveland and in 2016 was recognized by Businessweek as one of the best places to raise kids in Ohio.
Parma is southwest of Cleveland; it is bounded by Cleveland and Brooklyn on the north, Brooklyn Heights, and Seven Hills on the east, North Royalton and Broadview Heights on the south, and Brook Park, Middleburg Heights, and Parma Heights on the west.
According to the United States Census Bureau, the city has a total area of 20.07 square miles (51.98 km), of which 20.02 square miles (51.85 km) is land and 0.05 square miles (0.13 km) is water.
Two major changes and developments have recently occurred regarding two principal sites within the city:
Parma is bounded by Cleveland and Brooklyn on the north, Brooklyn Heights, and Seven Hills on the east, North Royalton and Broadview Heights on the south, and Brook Park, Middleburg Heights, and Parma Heights on the west.
According to the 2020 United States census, Parma had a population of 81,146. Of which, 82.3% were non-Hispanic White, 6.8% were Hispanic/Latino, 4.0% were non-Hispanic Black, 2.5% were Asian, 4.4% were mixed or other.
As of the 2010 United States Census, there were 81,601 people, 34,489 households, and 21,646 families residing in the city. The population density was 4,076.0 inhabitants per square mile (1,573.8/km). There were 36,608 housing units at an average density of 1,828.6 per square mile (706.0/km). The racial makeup of the city was 93.0% White, 2.3% African American, 0.2% Native American, 1.9% Asian, 1.0% from other races, and 1.6% from two or more races. Hispanic or Latino of any race were 3.6% of the population. According to the 2010 Census., 22.5% were of German ancestry, 17.6% Polish, 14.8% Italian, 13.8% Irish, 7.4% Slovak, 6.7% English, 5.3% Ukrainian, 2.6% French, 2.2% Serbian, 1.9% Czech, 1.4% Arab, and 1.2% of Croatian, Lithuanian, or Russian ancestries. In regard to languages spoken, 87.03% spoke English, 2.26% Ukrainian, 1.68% Polish, 1.27% Spanish, 1.24% German, and 1.18% Italian as their first language.
There were 34,489 households, of which 27.1% had children under the age of 18 living with them, 45.7% were married couples living together, 12.4% had a female householder with no husband present, 4.6% had a male householder with no wife present, and 37.2% were non-families. 31.8% of all households were made up of individuals, and 12.9% had someone living alone who was 65 years of age or older. The average household size was 2.34 and the average family size was 2.95.
The median age in the city was 41.5 years. 20.4% of residents were under the age of 18; 8.5% were between the ages of 18 and 24; 25.7% were from 25 to 44; 27.7% were from 45 to 64; and 17.7% were 65 years of age or older. The gender makeup of the city was 48.1% male and 51.9% female.
The median income for a household in the city was $50,198, the median income for a family was $60,696 and the mean income for a family was $68,828. The per capita income for the city was $25,064. The poverty rate in the city was 10.2%. This was low in comparison to other large Ohio cities as well as the state’s individual poverty rate of 15.4%.
In 2014, Parma ranked as the third safest city in the United States with a population of 25,000 or more by Neighborhood Scout. In 2014, Parma had a crime index of 90 meaning it was safer than 90% of cities in the United States.
During the population boom between 1950 and 1980, Parma’s commercial sector grew to match its residential sector. Since the 1950s, Parma has fostered the growth of many small businesses and been an operating hub for such well-known companies as General Motors, the Union Carbide Research Center (now GrafTech International-CLOSED as of 2017) and Cox Cable Television.
The Shoppes at Parma, formerly Parmatown Mall, is a commercial shopping district that totals approximately 800,000 square feet. It is located approximately 3 miles south of Cleveland’s southern border at the southwest corner of Ridge Road and West Ridgewood Drive in central Cuyahoga County. It is anchored by J.C. Penney, Dick’s Sporting Goods, Marc’s and Walmart. The mall opened as a shopping plaza in 1956 and was enclosed in the mid-1960s.
Currently, it is owned and managed by Phillip’s Edison & Co. and is undergoing extensive redevelopment at an expected cost of more than $70 million.
Redevelopment will transform the commercial center into a pedestrian-friendly community-oriented mall and will include attractive landscaping, new lighting, creation of two tree-lined boulevards, repaving of the parking lots, changing the entire facade of the outdoor shopping strip and medical offices, demolition of the current Macy’s and Dick’s Sporting Goods buildings, creating a new point of entry to J.C. Penney from West Ridgewood Drive, the construction of six new outbuildings, and the separation of Walmart from the rest of the mall.
Recently, it was announced that a 15-member “Parma Mayor’s Town Center Task Force” will be formed to develop a plan for a town center based around the Ridge Road-West Ridgewood Drive intersection that features the Shoppes at Parma, Parma Branch library, University Hospitals Parma Medical Center and City Hall. It will be made up of representatives from various organizations including the Cuyahoga County Public Library, Parma Area Chamber of Commerce, Parma schools and the Cleveland Metroparks’ West Creek Reservation.
The Ukrainian Village commercial district is located along State Road between Tuxedo Avenue and Grantwood Drive. This district was designated Ukrainian Village in September, 2009.
This commercial district features a large number of small, family-owned businesses and medical offices, features one of the most “walkable” neighborhoods in Parma, and boasts a traffic count of more than 40,000 vehicles each day at the intersection of State and Snow Roads. This area also hosts the Ukrainian Independence Day parade (August).
In 2013, Parma formed a sister-city relationship with Lviv, Ukraine and is home to Ohio’s largest Ukrainian community, the majority of whom are foreign born, with more than twice the number of any other city.
Parma is the seat of the Ukrainian Catholic Eparchy of Saint Josaphat, which was established by Pope John Paul II in 1983.
The Polish Village commercial district is located along Ridge Road between Pearl Road and Thornton Avenue. This district was designated Polish Village on May 1, 2011.
This commercial district features a large number of small, family-owned businesses and medical offices, features one of the most walkable neighborhoods in Parma, and boasts a traffic count of more than 40,000 vehicles each day at the intersection of Ridge and Snow Roads. This area also hosts the Polish Constitution Day parade (May), St. Charles Carnival parade (July), Independence Day parade (July), and Christmas parade (December).
The Parma City School District serves Parma, Parma Heights, and Seven Hills.
Greenbriar Middle School and Shiloh Middle School are located within Parma’s border. Hillside Middle School is located within Seven Hills’ border.
Parma Senior High School and Normandy High School are located within Parma’s border. Valley Forge High School is located within Parma Heights’ border.
The District’s sports stadium is Byers Field. All three high schools play golf at Ridgewood for their home course. The rivalry that exists between these schools is well documented.
Constellation Schools: Parma Community public charter schools:
Parma’s major north–south roads, in order from west to east, are:
Its major east–west roads, in order from north to south, are:
Also, Pearl Road (U.S. Route 42) runs from southwest to northeast through northern Parma for less than two miles (3 km).
Public transportation in Parma includes bus routes operated by the Greater Cleveland Regional Transit Authority, which serves the city of Cleveland and Cuyahoga County suburbs.
In the late 1980s, Bob McGuire penned a song entitled “Moon Over Parma”, about an eccentric courtship that traverses the various suburbs of Cleveland. The song first received wide exposure on Big Chuck and Lil’ John during its “New Talent Time” segment. Though McGuire was given the shepherd’s crook, McGuire’s song was offered for free, in the form of sheet music, to those who wrote to the show requesting a copy.
The Drew Carey Show’s opening credits of its first season consisted of a caricature of Drew Carey — consisting of his face and a yellow tie — singing “Moon Over Parma” with an abridgment and some minor lyrical changes.
Occasionally, during the 1960s and 1970s, Parma was the target of light-hearted jabs by local movie show hosts Ghoulardi, Hoolihan, Big Chuck and Lil’ John, and The Ghoul, due to its central European image promoted by the friendly rivalry between Ernie “Ghoulardi” Anderson and “Big Chuck” Schodowski and contrary to actual demographics. Ghoulardi, the horror host of late night Shock Theater at WJW-TV, Channel 8, in Cleveland from January 13, 1963, through December 16, 1966, made a series of shorts called “Parma Place” and focused on an alleged love of white socks, pink flamingos, chrome balls, kielbasa, pierogi and the polka.
In March 2016, Anthony Novak, a resident of Parma, created a parody Facebook page superficially resembling the local police department’s official page, with outlandish, satirical posts easily distinguished from actual police public-affairs content. Despite the page being voluntarily removed after 12 hours, the Parma Police subsequently obtained warrants and raided Novak’s apartment in the middle of the night three weeks later, seizing electronic devices belonging Novak and his roommate, and arresting and jailing Novak for four days until he could make bail. Novak was charged with felony disruption of police operations, but was acquitted at trial; a subsequent lawsuit against the police for civil rights violations was rebuffed by the Sixth Circuit, citing qualified immunity. Novak’s appeal to the U.S. Supreme Court garnered legal briefs from the ACLU and Cato Institute, but gained notoriety because of a supporting brief filed by satirical website The Onion.
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.