Insurance Requirements for Owner Operators Warren, Ohio
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Warren, 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 Warren, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Warren, 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.
Warren is a city in and the county seat of Trumbull County, Ohio, United States. Located along the Mahoning River, Warren lies approximately 14 miles (23 km) northwest of Youngstown and 56 miles (90 km) southeast of Cleveland. The population was 39,201 at the 2020 census. The historical county seat of the Connecticut Western Reserve, it is the third largest municipality in the Youngstown–Warren metropolitan area after Youngstown and Boardman, and anchors the northern part of that area.
Ephraim Quinby founded Warren in 1798, on 441 acres (1.78 km) of land that he purchased from the Connecticut Land Company, as part of the Connecticut Western Reserve. Quinby named the town for the town’s surveyor, Moses Warren. The town was the county seat of the Western Reserve, then became the Trumbull County seat in 1801. In 1833, Warren contained county buildings, two printing offices, a bank, five mercantile stores, and about 600 inhabitants.
Warren had a population of nearly 1,600 people in 1846. In that same year, the town had five churches, twenty stores, three newspaper offices, one bank, one wool factory and two flourmills. In June 1846, a fire destroyed several buildings on one side of the town square, but residents soon replaced them with new stores and other businesses. Warren became an important center of trade for farmers living in the surrounding countryside during this period. Songwriter Stephen Foster, his wife Jane McDowell, and their daughter Marion lived briefly in Warren.
During the latter decades of the nineteenth century and throughout the twentieth century, Warren remained an important trading and manufacturing center. By 1888, four railroads connected the community with other parts of Ohio. In that same year, there were five newspaper offices, seven churches, three banks and numerous manufacturing firms in Warren. The businesses manufactured a wide variety of products including linseed oil, furniture, barrel staves, wool fabric, blinds, incandescent bulbs, automobiles and carriages; however, the leading companies were the Packard Electric Company and Packard Motor Car Company, both founded in the 1890s in Warren by brothers James Ward Packard and William Doud Packard. Warren was the first town in the U.S. to have an electric street illumination, provided by Packard Electric. Warren’s population was 5,973 people in 1890. Construction began on the Trumbull County Courthouse in downtown Warren on Thanksgiving Day, 1895.
Warren continued to grow in the twentieth century. During the late nineteenth and early twentieth centuries, steel production was a major industry in the county because of large deposits of coal and iron ore in surrounding counties. In recent years, many Warren residents have worked in local service and retail sales businesses. In 2000, Warren was Trumbull County’s most populated community, with 46,832 residents. Many examples of late 19th and early 20th century architectural styles still stand in downtown Warren, including the Trumbull County Courthouse, which contains one of the largest courtrooms in the state of Ohio, and the Trumbull County Carnegie Law Library; in addition to office buildings, banks, stores, and homes surrounding the Courthouse Square area.
John Ashbery mentions Warren in his poem ‘Pyrography’, first published in an exhibition catalogue in 1976 and included in his 1977 collection Houseboat Days. In a later interview, Ashbery said he had never visited the town.
Warren is located at 41°14′18″N 80°48′52″W / 41.23833°N 80.81444°W (41.238206, −80.814554).
According to the United States Census Bureau, the city has a total area of 16.16 square miles (41.85 km), of which 16.13 square miles (41.78 km) is land and 0.03 square miles (0.08 km) is water.
As of 2015, 95.5% of the population spoke English, 1.6% Greek, 1.1% Spanish, and 0.9% Italian in their homes.
As of the census of 2010, there were 41,557 people, 17,003 households, and 10,013 families living in the city. The population density was 2,576.4 inhabitants per square mile (994.8/km). There were 20,384 housing units at an average density of 1,263.7 per square mile (487.9/km). The racial makeup of the city was 67.7% White, 27.7% African American, 0.2% Native American, 0.4% Asian, 0.7% from other races, and 3.3% from two or more races. Hispanic or Latino of any race were 1.9% of the population.
Of the 17,003 households 29.8% had children under the age of 18 living with them, 31.8% were married couples living together, 21.3% had a female householder with no husband present, 5.8% had a male householder with no wife present, and 41.1% were non-families. 35.6% of households were one person and 13.8% were one person aged 65 or older. The average household size was 2.30 and the average family size was 2.97.
The median age was 38.3 years. 23.7% of residents were under the age of 18; 9.3% were between the ages of 18 and 24; 25.2% were from 25 to 44; 25.9% were from 45 to 64; and 16% were 65 or older. The gender makeup of the city was 48.1% male and 51.9% female.
At the 2000 census, there were 46,832 people, 19,288 households and 12,035 families living in the city. The population density was 2,912.4 inhabitants per square mile (1,124.5/km). There were 21,279 housing units at an average density of 1,322.9 per square mile (510.8/km). The racial makeup of the city was 60.94% White, 36.20% African American, 0.13% Native American, 0.42% Asian, 0.03% Pacific Islander, 0.30% from other races and 1.98% from two or more races. Hispanic or Latino of any race were 1.04% of the population.
Of the 19,288 households 29.5% had children under the age of 18 living with them, 38.4% were married couples living together, 19.4% had a female householder with no husband present and 37.6% were non-families. 32.9% of households were one person and 13.7% were one person aged 65 or older. The average household size was 2.37 and the average family size was 3.01.
The age distribution was 26.3% under the age of 18, 8.6% from 18 to 24, 27.3% from 25 to 44, 21.0% from 45 to 64 and 16.8% 65 or older. The median age was 36 years. For every 100 females, there were 86.8 males. For every 100 females age 18 and over, there were 81.9 males.
The median household income was $30,147 and the median family income was $36,158. Males had a median income of $32,317 versus $23,790 for females. The per capita income for the city was $16,808. About 16.2% of families and 19.4% of the population were below the poverty line, including 29.8% of those under age 18 and 9.9% of those age 65 or over.
Major employers in Warren include Trumbull Memorial Hospital, St. Joseph Warren Hospital, the Tribune Chronicle, Seven Seventeen Credit Union, Hillside Rehabilitation Hospital, and Thomas Steel Strip. Top Shelf Coffee is headquartered in Warren.
The Trumbull Country Club hosted the Youngstown Kitchens Trumbull Open on the tour in 1960. From 1993 to 2000, Avalon Lakes Golf Club hosted the Giant Eagle LPGA Classic golf tournament on the LPGA Tour.
Warren operates under a Mayor-council government system. William “Doug” Franklin has been the mayor of Warren since November 2011. His current term expires on January 1, 2024.
City Administration
Children in Warren are served by the Warren City School District. The current schools serving Warren include four PreK-8 Schools: Jefferson PK-8 School, Lincoln PK-8 School, McGuffey PK-8 School, and Willard PK-8 School. Grades 9 through 12 attend Warren G. Harding High School. The Roman Catholic Diocese of Youngstown also operates the private John F. Kennedy Catholic School, with a Lower Campus for grades kindergarten through 5 and an Upper Campus for grades 6 through 12.
Warren is home to the Tribune Chronicle, a daily local newspaper serving Warren and its vicinity in Trumbull County. It traces its history to the Trump of Fame in 1812, the first newspaper in what had been the Connecticut Western Reserve. In 2008, USA Today reported daily circulation of 35,471 for the Tribune Chronicle.
Warren is part of the Youngstown media market, and is served by Youngstown-based television and radio stations. AM stations WHKZ and WHTX are based in Warren.
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.
