Insurance Requirements for Owner Operators Woodbridge, Virginia
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Woodbridge, 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 Woodbridge, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Woodbridge, 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.
Woodbridge is a census-designated place (CDP) in Prince William County, Virginia, United States, located 20 miles (32 km) south of Washington, D.C. Bounded by the Occoquan and Potomac rivers, Woodbridge had 44,668 residents at the 2020 census.
Woodbridge offers a variety of amenities for residents and visitors, including Potomac Mills shopping mall and Stonebridge at Potomac Town Center. Woodbridge is served by the Prince William County Public Schools, and the Woodbridge campus of Northern Virginia Community College borders the district. Sentara Northern Virginia Medical Center, a non-profit hospital, formerly Potomac Hospital, recently expanded and now has the capacity to serve 183 patients. Transportation includes access to Interstate 95, two VRE commuter train stations, bus service, and a local “slugging” system, offering residents a variety of transit options.
Woodbridge offers a wide range of recreational opportunities for resident and visitors. The Occoquan Bay National Wildlife Refuge is a natural habitat for a variety of plant and animal life including the bald eagles and ospreys. Veteran’s Park and Leesylvania State Park are located on the Potomac River and provide swimming, boating, picnic and hiking services. Close by is Rippon Lodge, the oldest house in Prince William County, which is open for tours throughout the summer. Trails at Leesylvania Park lead to the ancestral home of the Lee family.
Woodbridge was initially a village composed largely of plantations and later farms and industrial complexes. Formally dating to at least 1731 when Prince William County was formed out of the Stafford County, Virginia. Initially, the first Prince William County Courthouse was erected in Woodbridge owing to its location halfway between Dumfries, Virginia and Alexandria, Virginia, the two largest Cities which were then in Prince William County. With the incorporation of Fairfax County Woodbridge ceased to be the center of the county and municipal function eventually shifted westward into Brentsville and eventually to Manassas where it is today.
Later, the Woodbridge postal delivery area became the hub that included Dale City and Lake Ridge, which had previously been forged as a planned community in the 1960s and 1970s. The area takes its name from Thomas Mason’s 1795 wooden toll bridge built to supplant the existing ferry, carrying the King’s Highway traffic across the Occoquan River. Mason’s Woodbridge Plantation was located in the area of the present day Belmont Bay golf course community. The original bridge from which the area takes its name was washed away in 1807 following a heavy storm. Subsequently, industrial and economic development shifted toward Occoquan the next nearest river crossing. The bridge would not be replaced until the 20th century when an iron truss bridge was built. This bridge failed in 1972 during Hurricane Agnes and was eventually replaced by the current structure.
The Freestone Point Confederate Battery and Rippon Lodge are listed on the National Register of Historic Places.
Since c. 2003, numerous people have been trespassing in a 10-acre (4.0 ha) tent city adjacent to the Potomac Mills mall. It is tolerated by the private landlord. In 2018, part of the residents were directed to leave.
Woodbridge is at 38°38′37″N 77°15′39″W / 38.64361°N 77.26083°W (38.643517, −77.260843). It is located on the peninsula of Linton Neck. According to the United States Census Bureau, in 2000, the CDP has a total area of 10.8 square miles (28 km), of which 10.5 square miles (27 km) is land and 0.3 square miles (0.78 km), or 2.87%, is water. Woodbridge is about 20 miles (32 km) from Washington, D.C.
The 2010 census reconfigured Woodbridge so that the majority of its land area was redesignated Marumsco and Neabsco, Virginia. The southern border of Woodbridge is now Occoquan Road. The area between Occoquan Road and Opitz Boulevard–Rippon Boulevard is now Marumsco. All of the former Woodbridge CDP south of those streets has been designated as Neabsco. However, these areas continue to have postal addresses in “Woodbridge,” which is served by a post office in Marumsco.
Woodbridge has a humid subtropical climate.
As of the 2020 Census, Woodbridge had 44,668 residents with 13,107 households. The racial demographics were as follows:
As of the census of 2000, there were 31,941 people, 10,687 households, and 7,769 families residing in the CDP. The population density was 3,047.8 inhabitants per square mile (1,176.8/km). There were 11,026 housing units at an average density of 1,052.1 per square mile (406.2/km). The racial makeup of the CDP was 56.34% White, 23.45% African American, 0.55% Native American, 4.90% Asian, 0.17% Pacific Islander, 9.62% from other races, and 4.96% from two or more races. Hispanic or Latino people of any race were 19.07% of the population.
There were 10,687 households, out of which 41.5% had children under the age of 18 living with them, 52.3% were married couples living together, 14.2% had a female householder with no husband present, and 27.3% were non-families. Of all households 20.4% were made up of individuals, and 3.9% had someone living alone who was 65 years of age or older. The average household size was 2.96 and the average family size was 3.40.
In the CDP, the population was spread out, with 30.0% under the age of 18, 10.7% from 18 to 24, 35.7% from 25 to 44, 17.0% from 45 to 64, and 6.7% who were 65 years of age or older. The median age was 30 years. For every 100 females, there were 102.5 males. For every 100 females age 18 and over, there were 100.2 males.
The median income for a household in the CDP was $75,525, and the median income for a family was $52,362. Males had a median income of $35,538 versus $28,587 for females. The per capita income for the CDP was $19,810. About 4.6% of families and 5.5% of the population were below the poverty line, including 7.7% of those under age 18 and 5.9% of those age 65 or over.
The estimate median house or condo value was $294,156 as of 2008. As of 2013, the average home sale price was $222,940.
The nearby public high schools include:
The middle schools include:
The elementary schools include:
Colleges:
Private high schools:
Private middle schools, elementary schools, and preschools:
Woodbridge experienced its current development boom in the mid-1980s, after being a municipality composed largely of either farms or industrial complexes, as an annex of sorts of Dale City, which had been forged as a planned community in the 1960s and 1970s.
Woodbridge is home to Potomac Mills Mall (managed by Simon Property Group), one of the largest shopping centers in northern Virginia. Woodbridge is a suburban city because many of its residents are employed in nearby Washington, D.C.
Due in part to the I-95 and I-66 HOV waiver given to hybrid vehicles, many D.C. government workers have relocated to the area to take advantage of the lower-priced housing. However, in July 2006, the hybrid/HOV privilege was revoked. Vehicles registered prior to July 2006 were exempted from occupancy requirements in all (HOV) facilities in Virginia until July 1, 2009.
Other cultural resources include Rippon Lodge, the oldest house in Prince William County, which was opened as a park and museum in October 2007.
Woodbridge was the former home of the Potomac Nationals minor league baseball club, before their relocation to Fredericksburg. Their former stadium, the Pfitzner Stadium, is located in Woodbridge. The stadium is now the source of many community events.
On May 24, 2022, the Washington Commanders announced plans for a new stadium complex in Woodbridge, with plans for a new stadium, amphitheater, retail hub, and office space.
Passing north—south through Woodbridge is U.S. Route 1, with Interstate 95, which forms the western boundary of the CDP, running parallel to it further west. Three other major routes, all of which have interchanges with I-95 and terminate at U.S. 1, are VA 123 (Gordon Boulevard)—which heads north to Fairfax and ends in Arlington at the Washington, D.C. border, VA 294 (Prince William Parkway)—which heads northeast to and ends in the Manassas area, and SR 784 (Dale Boulevard)—which heads northeast to Dale City and ends west of Hoadly. Other major roads in Woodbridge include SR 639 (Horner Road), SR 906 (Occoquan Road), and SR 2000 (Opitz Boulevard).
The Potomac and Rappahannock Transportation Commission (PRTC), which operates its OmniRide and OmniRide Local bus services throughout Prince William County, is headquartered in Woodbridge. Two routes operate in Woodbridge; the Woodbridge/Lake Ridge (WOODLOC) route—serving the two communities of Woodbridge and Lake Ridge, and the Route 1 (RT1LOC) route, which runs from the Woodbridge train station down to Quantico.
Woodbridge station, at 1040 Express Way, is owned by Virginia Railway Express (VRE) and serves Amtrak’s Northeast Regional line and VRE’s Fredericksburg Line. The train station receives bus service from the OmniRide Woodbridge/Lake Ridge and Route 1 routes.
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.
