Insurance Requirements for Owner Operators Primos, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Primos, 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 Primos, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Primos, 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.
Upper Darby Township, often shortened to Upper Darby, is a home rule township in Delaware County, Pennsylvania, United States..
As of the 2020 census, the township had a total population of 85,681, making it the state’s sixth most populated city or borough after Philadelphia, Pittsburgh, Allentown, Reading, and Erie. Upper Darby is 65% residential, 25% commercial, and 8% other. The township borders Philadelphia, the nation’s sixth most populous city, with 1.6 million residents, and it is part of the Delaware Valley metropolitan area, the nation’s seventh-largest metropolitan area, with 6.228 million people in the core metropolitan statistical area and 7.366 million in the combined statistical area as of 2020.
Upper Darby is home to the Tower Theater, a historic music venue on 69th Street built in the 1920s, and to several Underground Railroad sites. The photo shown was prior to August 2019, when the radio tower was removed due to structural concerns.
In 1650, the area that eventually became Upper Darby had been inhabited by the Lenape tribe of Native Americans for thousands of years. The Lenape were part of the larger late Woodland culture, living in longhouses and birch bark homes, and engaging in the type of agriculture featuring companion planting of the Three Sisters (winter squash, maize, and beans).
The first permanent Europeans settlers arrived in late 1653 with a group from New Sweden. Soon after, in 1655, New Sweden was taken over by the Dutch, and then came under English rule in October 1664 as part of England’s overall conquest of New Amsterdam. The region was controlled as a possession of the English king until it was included in a large land grant to William Penn in 1681.
Upon Penn’s founding of the colony of Pennsylvania the next year, the area was designated as part of the municipality of Darby Township, in Chester County. It was subsequently part of the eastern section of that county which was split off on September 26, 1789, to form Delaware County.
The Lower Swedish Cabin, thought to have been built in 1654, is located on Creek Road along the Darby Creek and is believed by many to be a remnant of the early Swedes, who introduced the log cabin to this area. Today the “Swedish Cabin” is designated with a Pennsylvania Historical Marker. The Cabin is also on the National Register of Historic Places.
Darby Township originally occupied the area between the current border of Upper Darby to the north, Cobbs Creek and then Darby Creek to the east and south, and Ridley and Springfield townships to the west. This continued until 1736, when, for the convenience of the inhabitants, it was decided at a town meeting to separate the upper part from the lower “in all matters save the levies made for the support of the poor,” with the northern part thereafter to be called Upper Darby Township. The exact boundary was not established until 1787, when a petition was presented to the court. The following is an excerpt from this petition:
The abundance of creeks and streams in the area favored the development of mills, and it was in Upper Darby that some of the first mills in Delaware County could be found. Some notable examples were the Cardington Mills in the Cardington section of the township and the Kent Mills in the Kellyville section. The site of the former Kent Mills is now a recreation area and dog park known as Kent Park. One local mill owner was the Garrett family, who owned mills along the Darby Creek.
In addition to mills, the township was part of a region that was home to rock quarries, factories, and other various industrial concerns. Industrialization greatly increased the township’s population from just over 800 in 1800 to almost 5,000 by 1890, ando spurred residential and commercial development that attracted an influx of European immigrants. To serve this influx, churches were founded across the township.
The township’s population explosion turned out to be a double-edged sword as beginning in 1885, the township lost large sections of territory as the citizens of more populated neighborhoods petitioned the state to be recognized as separate municipalities. The first of these was the borough of Clifton Heights (incorporated on June 1, 1885), followed by the boroughs of Lansdowne (July 6, 1893), Aldan (September 22, 1893), Millbourne (October 12, 1909), and East Lansdowne (June 3, 1911). Part of the territory of Aldan was also taken from Darby Township.
Reflecting the Quaker background of its earliest English settlers, Upper Darby was active in the antislavery movement. At least one abolition society existed prior to 1830, and sent a committee of twelve prominent citizens to the 1830 meeting of the Pennsylvania Anti-Slavery Society in Philadelphia.
Many homes in the area were stops on the Underground Railroad, including Hoodland, the home of abolitionist Abraham L. Pennock and Thomas Pennock, which was eventually bequeathed to the township’s public library and which currently houses the children’s library, connected to a much larger modern annex which houses the Main Branch. Another prominent abolitionist, Thomas Garrett, grew up in Upper Darby and Thornfield, his home until the age of 32, still stands at Garrett Road and Maple Avenue in the Drexel Hill neighborhood.
The influx of immigrants drawn to the township by industrialization caused the township’s population to explode, and also gave Upper Darby a role in the Civil War. Two regiments from Upper Darby took part in the Civil War, including the 106th Pennsylvania Infantry Regiment, which was involved in the Battle of Antietam and Battle of Gettysburg.
In 1907, the Philadelphia Rapid Transit Company recognized the potential for growth in the township and extended the Market-Frankford elevated train line (or “El”) from just west of the Schuylkill River in Philadelphia to 69th and Market Streets in Upper Darby. The El terminus at 69th Street Station became a busy terminal serving several trolley and light rail lines into the suburbs, as well as numerous city and suburban bus routes. Commuter traffic spurred the development of the 69th St. shopping district in the 1920s by John McClatchy, and made Upper Darby the second busiest shopping area in the region, second only to Center City Philadelphia. The business district is noted for many fine examples of Art Deco style buildings. A population explosion in the township followed; by the 1960s, Upper Darby was the seventh most populous municipality in Pennsylvania.
In the early 1970s, students from Highland Park Elementary School began a campaign to have the Pennsylvania Firefly declared the official state insect of Pennsylvania. With advice and support from state legislators, the students began a campaign that included letter writing, the circulation of petitions, and the distribution of bumper stickers. On April 10, 1974, Governor Milton J. Shapp signed their bill making the Pennsylvania Firefly their state’s official insect. A couple of years later, Highland Park Elementary School was presented with a bronze plaque in honor of the students’ achievement.
In the wake of the 2020 racial uprising in response to the murder of George Floyd, several protests and actions took place in Upper Darby, including a die-in at 69th and Market Streets.
Upper Darby has seen a rise in LGBTQ activism of late, and Upper Darby Pride, a non-profit organization planned the first Upper Darby Pride Fest for June 2020. It was cancelled due to the pandemic but held a year later by U.D.T.J. on the grounds of Upper Darby High School and accompanied by other Pride events in the township.
In 2020 the community voted on a motto for Upper Darby, “The World in One Place,” refelcting the multicultural community of the present day.
According to the U.S. Census Bureau, the township has a total area of 7.9 square miles (20.4 km), all land. The township lies on the edge of the Piedmont slightly above the City of Philadelphia (60 to 260 ft or 18 to 79 m above sea level). The area is crossed by several small creeks. The borough of East Lansdowne, Pennsylvania is an enclave completely surrounded by Upper Darby Township; additionally, an exclave of Upper Darby Township is separated from the rest of the township.
Upper Darby neighborhoods include Aronimink, Beverly Hills, Bywood, Drexel Hill, Drexel Park, Fernwood, Highland Park, Llanerch Hills, Kellyville, Kirklyn, Oakview, Primos, Secane, Stonehurst, Terminal Square, and Westbrook Park.
Cobbs Creek runs along the border of Upper Darby and connects with Darby Creek. Cobbs Creek Park and the Philadelphia public golf course abut the Highland Park Neighborhood of Upper Darby along the border of Philadelphia’s Overbrook Park neighborhood.
In 1991, five Upper Darby policemen were convicted in federal court and sentenced to prison for violating the civil rights of two residents, a father and son. Each was found guilty on several counts involving assault, false arrest, and prosecution.
On January 30, 2002, Upper Darby police officer Dennis McNamara was shot and killed in the line of duty by Thomas Campbell. McNamara was investigating a suspicious parked vehicle around 9:30 PM when Campbell came up behind him and shot him in the side of the head with a .32 caliber revolver. McNamara had a section of Lansdowne Avenue renamed in his honor; Campbell pled guilty to his murder in 2003 and was sentenced to life in prison plus ten years. He died in Graterford Prison in 2015.
The Tower Theater, located in Terminal Square at the intersection of 69th and Ludlow Streets, opened as a movie and vaudeville theater in 1927. After closing briefly, the Tower reopened as a concert venue in 1972, and has hosted acts including the first American tours of David Bowie and Genesis. In addition to musical acts, the Tower has hosted comedians such as Trevor Noah and Jim Norton. In 2018, Rolling Stone listed the Tower as one of the 10 best live music venues in the United States.
Upper Darby Summer Stage is one of the nation’s oldest youth theater programs.
The annual Music Man Festival is held at Greenhorn Gardens in Arlington Cemetery and features live music, food, beer gardens, and a 5k fundraiser for arts programs.
The Upper Darby International Festival is an annual event held in September on 69th Street. The festival features performances, artwork, and food reflecting the diverse cultural backgrounds of the Upper Darby community.
Opened in 2018, the Upper Darby Art Gallery in the Highland Park neighborhood features local, national and international artists and works, as well as art classes.
Centered in Terminal Square and the West Chester Pike business districts, Upper Darby restaurants feature a diverse range of cuisines including Vietnamese, Thai, Japanese, Liberian, Indian, Italian, Korean, Mexican, and Colombian. The community is also known for its Irish pubs, and the Llanerch Diner was the setting for a pivotal scene in the film Silver Linings Playbook.
The Philadelphia Museum of Art opened the first branch museum in the United States, modeled on the Carnegie Library branch system, on 69th Street. The 69th Street Branch of the PMA operated from 1930 to 1933.
The University of Pennsylvania operated the Flower and Clark Observatory in the Highland Park neighborhood from 1897 to 1956, the site is now known as Observatory Park.
SEPTA’s 69th Street Transportation Center is located in Terminal Square on 69th Street. It serves as the western terminal stop of the Market–Frankford Line, the eastern terminal stop of the Norristown High Speed Line (formerly Route 100) and SEPTA trolley routes 101 and 102, as well as SEPTA Bus Routes 21, 30, 65, 68, 103, 104, 105, 106, 107, 108, 109, 110, 111, 112, 113, 120, 123, and 126. The Norristown High Speed Line has stops in Upper Darby at 69th Street and Parkview station. Upper Darby Township is also served by SEPTA Bus Routes 42 and 115. SEPTA Regional Rail’s Media/Wawa Line passes through the southern portion of Upper Darby Township, with stations at Secane and Primos.
As of 2022, there were 152.99 miles (246.21 km) of public roads in Upper Darby Township, of which 24.83 miles (39.96 km) were maintained by Pennsylvania Department of Transportation (PennDOT) and 128.16 miles (206.25 km) were maintained by the township.
Pennsylvania Route 3, which links Philadelphia and West Chester passes through the northern portion of Upper Darby Township as Market Street and the West Chester Pike. U.S. Route 1 follows Township Line Road along the northwestern edge of the township. U.S. Route 13 follows Church Lane and Baltimore Avenue through the far southeastern corner of the township.
Upper Darby Township is served by the 133-member Upper Darby Police Department, the Crozer-Keystone North Division Paramedics (based out of Delaware County Memorial Hospital), and the Upper Darby Township Fire Department, a combination paid/volunteer department which consists of a headquarters building and 5 stations:
Upper Darby Township has three public library branches as part of the Delaware County Library System:
Upper Darby houses of worship include Protestant Christian, Catholic, Greek Orthodox churches, Sikhism and their Gurdwara, and an Islamic center.
Upper Darby has a humid subtropical climate (Cfa) and the hardiness zone is 7a bordering 7b. Average monthly temperatures in the vicinity of Garrett Road and Lansdowne Avenue range from 32.9 °F in January to 77.7 °F in July.
Upper Darby is one of Pennsylvania’s most diverse communities. As of the 2020 U.S. Census, the racial makeup of the township was 46.8% White, 34.5% African American, 0.2% Native American, 13.2% Asian, 1.9% from other races, and 3.4% from two or more races. Hispanic or Latino of any race were 5.5% of the population.
In 2019, three out members of the LGBTQ community were elected to the Upper Darby School Board.
As of the census of 2000, there were 85,038 people, 32,551 households, and 20,474 families residing in the township. The population density was 14,658.7 people per square mile. There were 34,322 housing units at an average density of 4,361.6 per square mile (1,684.0/km). The racial makeup of Upper Darby was 59.1% White; 20.5% African American; 15.3% Asian; 0.1% Native American; <0.1% Pacific Islander; 0.5% from other races and 2.3% from two or more races. Hispanics or Latinos of any race were 2.4% of the population
There were 32,551 households, out of which 31.0% had children under the age of 18 living with them, 45.0% were married couples living together, 13.4% had a female householder with no husband present, and 37.1% were non-families. 31.6% of all households were made up of individuals, and 11.5% had someone living alone who was 65 years of age or older. The average household size was 2.50 and the average family size was 3.23.
25.2% of the population was under the age of 18, 8.4% from 18 to 24, 32.8% from 25 to 44, 19.9% from 45 to 64 and 13.7% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 91.6 males. For every 100 females age 18 and over, there were 88.2 males. The median income for a household in the township was $41,489, and median income for a family was $52,500. Males had a median income of $38,090 versus $30,416 for females. The per capita income for the township was $20,770. About 7.3% of families and 9.1% of the population were below the poverty line, including 11.1% of those under age 18 and 6.9% of those age 65 or over.
Upper Darby Township’s public education is provided by the Upper Darby School District. In all, the 12 public schools plus the Kindergarten Center serve nearly 12,000 students. The district has one high school, Upper Darby High School, two middle schools, Beverly Hills Middle School and Drexel Hill Middle School, and 10 public elementary schools. In addition to Upper Darby, Secane, Clifton Heights, and Millbourne students attend the Upper Darby School District. Established in 1895, Upper Darby High School is one of the largest brick and mortar high schools in Pennsylvania with almost 4,000 students.
In addition to the public school district, Upper Darby is home to several parochial and private schools. Monsignor Bonner High School (for boys) and Archbishop Prendergast High School (for girls), both Roman Catholic, are the largest private schools in the Township. Both schools offer grades 9–12 with a combined enrollment close to 5,500 students. In addition to the two high schools, there are nine parochial primary and middle schools located in the Township, with a combined enrollment of 2,867.
Catholic K-8 schools include:
Almost all of the private academic schools in the Township are administered by the Archdiocese of Philadelphia except for the Holy Child Academy, which is a Catholic academy run by the Society of the Holy Child Jesus.
Former schools;
Also available to residents of Upper Darby and surrounding areas is the Upper Darby Adult Evening Program (UDAEP). UDAEP offers professional development and general education classes to township residents. UDAEP is an independent non-profit entity separate from the Upper Darby School District.
Delaware County Community College’s Upper Darby Center holds day and evening classes serving 600 students.
In the 2020 Presidential Election, Democrat Joseph R. Biden received 71.1% of the vote in Upper Darby with Republican Donald J. Trump receiving 28.9%.
In the 2016 presidential election, Democrat Hillary Clinton received 25,475 votes (66.3%), Republican Donald Trump received 11,967 (31.1%) votes, with independent candidates receiving just over 1,000 votes in Upper Darby.
In the 2016 U.S. Senate race, Democrat Katie McGinty received 23,294 votes over Republican Pat Toomey, who received 13,539 votes in Upper Darby.
Upper Darby is in Pennsylvania’s 5th Congressional district, currently represented by Democrat Mary Gay Scanlon.
In the Pennsylvania legislature, Upper Darby is represented by Democrat Gina Curry in the 164th District and Democrat Mike Zabel is in the 163rd House District.
Upper Darby is in the 26th Pennsylvania Senate District, represented by Democrat Tim Kearney.
In local politics, Democrats hold an 6-5 majority of the town council seats as well as the mayor’s office; all nine seats on the school board are held by Democrats.
The Roman Catholic Archdiocese of Philadelphia operates several Catholic churches in Upper Darby:
Soji Zen Center is a Buddhist Temple in the Drexel Hill section of Upper Darby.
Masjid Al-Madinah Islamic Center is a mosque and cultural center located on 69th Street. Masjid Omar and AL-Quran Center are in the Stonehurst and Bywood neighborhoods.
Sree Sree Sanatan Shangho and Sree Narayana Guru Deva Temple are Hindu Temples located in Bywood.
St Demetrios Greek Orthodox Church is located in the Stonehurst neighborhood.
Protestant denominations in Upper Darby include Presbyterian, Baptist, United Methodist, Lutheran, and non-denominational.
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.