Insurance Requirements for Owner Operators Sterling, Virginia
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Sterling, 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 Sterling, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Sterling, 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.
Sterling, Virginia, refers most specifically to a census-designated place (CDP) in Loudoun County, Virginia, United States. The population of the CDP as of the 2010 United States Census was 27,822. The CDP boundaries are confined to a relatively small area between Virginia State Route 28 on the west and Virginia State Route 7 on the northeast, excluding areas near SR 606 and the Dulles Town Center.
A much wider region has a preferred mailing address of “Sterling, Virginia”, per the United States Postal Service. Other localities included within this larger area include Arcola, Cascades, Countryside, Dulles, Dulles Town Center, Oak Grove, and Sugarland Run. The “Greater Sterling” region includes part of Washington Dulles International Airport and the former AOL corporate headquarters. Greater Sterling is also home to the National Weather Service Weather Forecast Office LWX (serving the Baltimore–Washington Metropolitan Area), as well as the Sterling Field Support Center, the National Weather Service test, research, and evaluation center for weather instruments.
The following includes information covering both the CDP and the wider “Greater Sterling” region.
In the beginning of 1962, large farms made up the 1,762 acres (713 ha) of what today is called Sterling Park. Route 7, also known as Leesburg Pike, bordered what used to be Jesse Hughes’s dairy farm. Hughes arrived in Loudoun County in the early 20th century and was a longtime head of the county’s Democrats. Fred Franklin Tavenner, who was somewhat related to Benjamin Franklin, operated vast stretches of Sterling Farm at the southwest fringes of Sterling Park. Tavenner had purchased land from Albert Shaw Jr., who had inherited it from his father Albert B. Shaw, editor and publisher of the American Review of Reviews. One of Shaw’s spreads, totaling 1,640 acres (660 ha), was called “The Experimental Farm” because it was one of the first area farms to receive a U.S. grant for applying “scientific methods”, as Tavenner called them. According to Tavenner, refugees from the Soviet Union ran the farm while Shaw remained in New York City.
Dulles International Airport and the extension of water and sewer lines to the airport began to change the landscape when construction started in 1959. Land prices rose from an average $125 per acre ($310/ha) to $500 per acre ($1,200/ha). During the same year, Marvin T. Broyhill Jr. and his father made plans to develop land in the airport area under the company M.T. Broyhill & Sons Corporation. In late 1961, they decided to buy and incorporated Sterling Park Development Corporation with his son Marvin T. Broyhill as president, and cousin Thomas J. Broyhill as vice president. Between April 28 and December 29 of 1961, they purchased 1,762 acres (713 ha) in 14 parcels for $2,115,784. For the 226-acre (91 ha) Hughes farm along Route 7, they paid $1,700 per acre ($4,200/ha).
M.T. Broyhill & Sons Corporation learned where the right-of-way for Route 28 (Sully Road) would be, and hoped to develop Sterling Park on both sides of it, so they would not have to build a road through Sterling Park. However, Powell B. Harrison, who was instrumental in planning Route 28, insisted that the road be kept generally free of development, for easy access to the airport. Therefore, the Broyhills developed Sterling Park east of Route 28, and had to build their own through road, today’s Sterling Boulevard.
Marvin Broyhill, Jr.’s marketing thoughts were to “put together a prefabricated home marketed by U.S. Steel and sell it for about $17,000 [that is] $3,000 less than a comparable Fairfax County home . . . All homes to have air‑conditioning. Homeowners to have access without membership fees to golf and tennis courts and pools.” Air conditioning was uncommon in homes of that price range at the time. Broyhill’s ideas, except for free golf, are realities today. As selling points, Loudoun’s taxes were less than half of Fairfax’s taxes, Washington was a half-hour away, and the elder Broyhill had envisioned commuter trains on the Washington and Old Dominion Railroad (which, since 1951, had carried only freight). The railroad tracks were the southern boundary of the present Sterling Park.
Initially, Sterling Park residents had to be of the “Caucasian race.” No board member or speaker before the board raised an objection to the clause, a common one in the United States before the 1960s, when discriminatory housing was outlawed by the Fair Housing Act, which was enacted as a follow-up to the Civil Rights Act of 1964. No African American family moved into Sterling Park until August 1966, when the illegality of the clause became apparent. By then, the population of “The Park”, as it had come to be known, had reached 5,000.
The Broad Run Bridge and Tollhouse, Vestal’s Gap Road and Lanesville Historic District, and Arcola Elementary School are listed on the National Register of Historic Places.
According to the USGS, Sterling has an average elevation of 289 feet (88 m) above sea level. The original center of Sterling is located at 39°00’22.4″N 77°25’43.0″W. Sterling is part of the Chesapeake Bay watershed, and Greater Sterling borders the Potomac River.
Sterling is home to many businesses and also serves as branch offices for many major companies. According to Manta, the following companies, with annual revenues of $20 million or more, have headquarters in Sterling, Virginia: Neustar and Electronic Instrumentation and Technology. Companies that have a branch office or headquarters in Sterling, with a total number of employees over 1,000 or more are as follows: Alcatel-Lucent, Geo Trans, HR Solutions LLC, M.C. Dean, Inc., National Electronics Warranty Corp, N E W Customer Service Companies Inc, and Orbital Science.
Federal agencies with offices in Sterling include U.S. Customs and Border Protection, the Bureau of Safety and Environmental Enforcement, and the Drug Enforcement Administration.
At one time, Atlantic Coast Airlines had its headquarters in Sterling.
Currently, Sterling is home to three public high schools serving grades 9-12: Dominion High School, Park View High School, and Potomac Falls High School. Sterling also has three public middle schools serving grades 6-8: River Bend Middle School, Seneca Ridge Middle School, and Sterling Middle School. There are also twelve public elementary schools serving grades PK-5: Algonkian Elementary School, Countryside Elementary School, Forest Grove Elementary School, Guilford Elementary School, Horizon Elementary School, Lowes Island Elementary School, Meadlowland Elementary School, Potowmack Elementary School, Rolling Ridge Elementary School, Sterling Elementary School, Sugarland Elementary School, and Sully Elementary School.
Northern Virginia Community College has a Loudoun campus on Harry F. Byrd Highway (Route 7). Nearby, in Ashburn, The George Washington University has its Virginia Science and Technology Campus, established in 1991.
The main arterial roads serving Sterling are Route 28, West Church Road, South Sterling Boulevard, Leesburg Pike, Algonkian Parkway, Potomac View Road, Waxpool Road, and Cascades Parkway.
Claude Moore Park occupies 357 acres (144 ha) in Sterling and offers activities for people of all ages, with three main areas. Claude Moore Recreation Center contains an Olympic-size indoor pool, a children’s pool with water features, an exercise area, gymnasium, and several event and meeting rooms. The sportplex includes baseball and softball fields and the nature area includes hiking trails and the park. The last known undeveloped section of the historic Vestal’s Gap Road runs across the park. Originally a trail first used by Native Americans, it was a major route for settlers between Alexandria and the Shenandoah Valley. George Washington used the road frequently in his travels between Mount Vernon and the western frontier. General Braddock’s troops, including Daniel Boone, traveled Vestal’s Gap Road during the French and Indian War.
Sterling offers the following parks and clubs as recreational areas: Algonkian Regional Park, Dulles Golf Center & Sports Park, and Sterling Golf Club.
Fire protection services are provided by the Sterling Volunteer Fire Company. Technical Rescue and Emergency Medical Services are provided by the Sterling Volunteer Rescue Squad. Both are non-governmental 501(c) non-profit organizations that operate as a part of the Loudoun County Combined Fire and Rescue System, and share three stations: one in Sterling Park, one in Potomac Falls, and one in Kincora at the northern end of Pacific Boulevard. The Loudoun County Sheriff’s Office and the Virginia State Police provide law enforcement.
Famous people who were born in or who lived in Sterling include:
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Sterling has a humid subtropical climate, abbreviated “Cfa” on climate maps.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
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UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.
