Insurance Requirements for Owner Operators Venice, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Venice, 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 Venice, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Venice, 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.
Washington County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 209,349. Its county seat is Washington.
Washington County is part of the Pittsburgh, PA Metropolitan Statistical Area.
The county is home to Washington County Airport, three miles (4.8 km) southwest of Washington.
The county was created on March 28, 1781, from part of Westmoreland County. The city and county were both named after American Revolutionary War leader George Washington, who eventually became the first President of the United States. The town of Charleroi got its name from the Belgian city of Charleroi. There lived many Belgian immigrants in the Monongahela area at the end of the 19th century, some of whom were glass makers.
According to the U.S. Census Bureau, the county has a total area of 861 square miles (2,230 km), of which 857 square miles (2,220 km) is land and 3.9 square miles (10 km) (0.5%) is water.
The flag of Washington County, Pennsylvania consists of a light blue background with the county’s seal in the middle. The seal consists of the county courthouse, a covered bridge, an Indian, and an early settler. This montage has the words “Historical Washington County” and “1781” inside a circle.
On October 7, 1977, Washington County Bicentennial Commission chairman Charles Chattaway and member Charlotte K. Lane showed a design for a county flag. The flag had been the general idea of Raymond E. Dunlevy. The design of that flag was the county seal in the upper left hand corner without the circle and words “Historical Washington County” in the color yellow. The seal is in a vertical purple rectangle that goes fully down the flag. That purple stripe takes up one fourth of the flag. The rest of the flag has a sky blue stripe that goes along the full top of the flag and takes up almost half going down. Below that is a thin green line. Below that line is a thin sky blue line. The rest of the flag going down is green. They did not end up using this flag. They used the one that is in use today.
Washington County has a humid continental climate (Köppen Dfb), with warm summers and cold, snowy winters. Precipitation is highest in the summer months, with an annual average of 38.87 in (987 mm). Snow usually falls between November and April, with an average of 37.8 in (96 cm).
As of the census of 2000, there were 202,897 people, 81,130 households, and 56,060 families residing in the county. The population density was 237 people per square mile (92 people/km). There were 87,267 housing units at an average density of 102 per square mile (39/km). The racial makeup of the county was 95.27% White, 3.26% Black or African American, 0.09% Native American, 0.36% Asian, 0.02% Pacific Islander, 0.19% from other races, and 0.82% from two or more races. 0.58% of the population were Hispanic or Latino of any race. 18.3% were of German, 17.2% Italian, 10.6% Irish, 8.6% English, 7.9% Polish and 6.2% American ancestry.
There were 81,130 households, out of which 28.40% had children under the age of 18 living with them, 55.20% were married couples living together, 10.30% had a female householder with no husband present, and 30.90% were non-families. 27.00% of all households were made up of individuals, and 13.20% had someone living alone who was 65 years of age or older. The average household size was 2.44 and the average family size was 2.96.
In the county, the population was spread out, with 22.20% under the age of 18, 7.70% from 18 to 24, 27.20% from 25 to 44, 25.00% from 45 to 64, and 17.90% who were 65 years of age or older. The median age was 41 years. For every 100 females there were 92.40 males. For every 100 females age 18 and over, there were 89.00 males.
As of 1800, this county was largely settled by people of Scot-Irish heritage because “prime lands” were already taken by the Germans and the Quakers.
The Democratic Party has been historically dominant in county-level politics and national politics between 1932 and 2004, only voting Republican for president in Richard Nixon’s 1972 landslide victory over George McGovern.
However, like much of Appalachian coal country, Washington has trended strongly Republican in recent years. In 2000, Democrat Al Gore won 53% of the vote and Republican George W. Bush won 44%. In 2004, Democrat John Kerry received 50.14% of the vote and Bush received 49.57% a difference of 552 votes. In 2008, Republican John McCain won 51% to Democrat Barack Obama’s 46% and each of the three state row office winners carried Washington County.
As of May 15, 2023, there are 141,421 registered voters in Washington county. Registered Republicans have a plurality of 67,247 registered voters, compared to 56,658 registered Democrats, 13,523 registered non-affiliated voters, and 3,993 voters registered to other parties.
Washington County is administered by a three-member publicly elected commission. Each commissioner serves in four-year terms. Elections occur in the odd-numbered years that precede U.S. presidential elections. All three Commissioners are chosen in the same election, and voters may vote for no more than two of the candidates. By state law, the commission must have a minority party guaranteeing a political split on the commission. The Commissioners are responsible for the management of the fiscal and administrative functions of the county.
Maggi was the Democratic nominee for Pennsylvania’s 18th congressional district against Republican incumbent Tim Murphy in 2012. Maggi lost to Murphy and earned only 36 percent of the vote. Irey Vaughan was the Republican candidate for Pennsylvania’s 12th congressional district and lost to the late Democratic incumbent John Murtha in the 2006 election.
Pony League baseball was founded in Washington County in 1951 for 13 and 14 year old boys and its headquarters are located here. As of 2016, more than a half-million youth in the U.S. and 40 other nations participate. The televised Pony League World Series held annually in August at Washington’s Lew Hays Pony Field attracts teenage teams from around the world.
Washington County is also the home of the Pennsylvania Trolley Museum. Washington County is also famous for its Rock Shelters at Meadowcroft Village, which are one of the best preserved and oldest Pre-Clovis Native American dwellings in the country. The county has 21 covered bridges still standing.
The Whiskey Rebellion culminated in Washington. The home of David Bradford, one of the rebellion leaders, is located in Washington and is a national landmark. Just a couple blocks away is the F. Julius LeMoyne House, which serves as the headquarters of the Washington County Historical Society.
Washington County is the home of the first crematory in the United States.
In 1981, the Pennsylvania Historical and Museum Commission installed a historical marker noting the historic importance of the county.
Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and, in at most two cases, towns. The following cities, boroughs and townships are located in Washington County:
Census-designated places are geographical areas designated by the U.S. Census Bureau for the purposes of compiling demographic data. They are not actual jurisdictions under Pennsylvania law.
The population ranking of the following table is based on the 2010 census of Washington County.
† county seat
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.
