Owner Operator Insurance Cost Annandale, Virginia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Annandale, 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 Annandale, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Annandale, 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.
Annandale is a census-designated place (CDP) in Fairfax County, Virginia. The population of the CDP was 43,363 as of the 2020 United States Census. It is home to the oldest and largest branch of the Northern Virginia Community College system, and to one of the D.C. area’s Koreatowns.
When Europeans arrived in the 17th century, the area around Annandale, which would become Fairfax County, was inhabited by an Algonquian-speaking sub-group called the Taux, also known as the Doeg or Dogue. In 1685, an Englishman, Col. William H. Fitzhugh, purchased over 24,000 acres (37.5 square miles) of wilderness in the area and converted it into one of the largest tobacco plantations in Northern Virginia. It stretched from current day Fairfax City to Springfield and Falls Church and south to Pohick Church. Fitzhugh’s descendants later named it “Ravensworth.” For over six generations, the Fitzhugh family farmed at Ravensworth and slowly sold off portions of the land.
In 1830 the community of Annandale was named by a Scottish settler, after the town named Annan located at the mouth of the River Annan. Annandale followed nearby Dumfries to become the second place in Dumfriesshire to become the name of a settlement in Virginia. In 1806, the Little River Turnpike (now Virginia State Route 236) had been completed through the community, connecting it with Alexandria and Fairfax. In 1808, the Columbia Pike (now Virginia State Route 244) was built, connecting the District of Columbia with Little River Turnpike in what is now Annandale. The first businessman to locate in Annandale was William Garges, who built a blacksmith shop and a livery stable at the intersection of Columbia Pike, Little River Turnpike and Backlick Road, which would become the center of town. Garges became the first postmaster at the Annandale Post Office, which opened in 1837. Small farms and businesses grew up around the town and its first church, the Annandale Methodist Chapel, was built in 1846.
The American Civil War touched Annandale several times between 1861 and 1865. Union troops defending the vicinity of Washington, D.C., frequently took positions in and around the town. Confederate forces probing those defenses skirmished with them from time to time. The Methodist Chapel, which had fallen into disrepair during the war, was dismantled by Union troops to obtain construction materials in 1863.
After the war, farmers and businessmen returned to their pursuits and dairy farming began to grow in Fairfax County. Small communities continued to develop or grow near railroad stations and the dairy farms. Residents would build stores, churches and schools for their communities. By 1925, Fairfax County contained more dairy farms than any other county in Virginia. In the 1930s and 1940s, work in the area for the federal government grew as President Franklin D. Roosevelt implemented the New Deal and the United States entered World War II.
After World War II, growth continued, with housing developments in suburbs like Annandale accompanied by businesses, schools, and roads to support the new residents. The suburbs became “bedroom communities” with many residents commuting to work in Washington or surrounding small cities. That trend has continued to today with further growth and many residents now commuting to work in Northern Virginia as well as in and around Washington.
Annandale is located at 38°50′3″N 77°12′41″W / 38.83417°N 77.21139°W (38.834134, −77.211277). Annandale is mostly traversed by the Capital Beltway (Interstate 495) and Little River Turnpike (Virginia State Route 236). The center of town is considered to be where Little River Turnpike, Columbia Pike, and Backlick Road meet, around two miles (3.2 km) east of Interstate 495 on Little River Turnpike.
Annandale is bordered to the north by West Falls Church, to the east by Lake Barcroft and Lincolnia, to the south by North Springfield, and to the west by Wakefield and Woodburn. The CDP border follows Braddock Road to the south, Interstate 495 to the west, Holmes Run and Arlington Boulevard (U.S. Route 50) to the north, and Sleepy Hollow Road, Columbia Pike, and Little River Turnpike to the east.
According to the United States Census Bureau, the CDP has a total area of 7.86 square miles (20.4 km), all of it land. The area is part of the coastal plain located just east of the Fall Line separating the coastal plain of Virginia from the Piedmont. It is characterized by rolling hills, stream valleys, and heavy red clay soils.
The Annandale region is bisected by Accotink Creek, which in Colonial times was a primary link for ocean-going ships that would load tobacco and other goods where Little River Turnpike – Annandale’s oldest road and the first toll road in America – crosses it. With the construction of the Springfield Dam in 1918, Lake Accotink was created to serve as a water source for World War I-era Army Camp A.A. Humphreys (now named Fort Belvoir). In 1960, when the lake was no longer needed by the Army, the Fairfax County Park Authority leased the land and finally bought the site in 1965. Today, Lake Accotink is a popular recreation area with walking, hiking and biking trails, fishing and boat rentals.
Also along Accotink Creek runs the Gerry Connolly Cross County Trail which provides uninterrupted hiking, biking, running and cross-country skiing for 20 miles (32 km) in Annandale. The trail meanders through parks and forests filled with deer, fox, geese and numerous species of native birds. In the spring, Accotink Creek is stocked with trout, and fishermen are often seen wading in its waters.
As of the 2020 census, there were 43,363 people, 13,882 households, and 9,455 families residing in the community. The sharp decrease in population from 54,994 in 2000 was due to the splitting off of the CDP’s western portion to form the Wakefield and Woodburn CDPs. The population density in 2020 was 5,516.9 people per square mile (2,130.1 people/km). There were 14,447 housing units at an average density of 1,838.0 units per square mile (709.7 units/km). The racial makeup of the community was 44.7% White, 21.9% Asian, 9.0% Black, 0.8% American Indian, 0.3% Pacific Islander, 18.8% from other races, and 4.5% from two or more races. Hispanics and Latinos of any race were 32.1% of the population. Annandale is home to a large working-class White community, and is one of the few remaining areas in Fairfax County where the group has a notable presence.
There were 13,882 households, out of which 31.2% had children under the age of 18 living with them, 48.7% were married couples living together, 13.7% had a female householder with no husband present, and 31.9% were non-families. 22.9% of all households were made up of individuals, and 10.9% had someone living alone who was 65 years of age or older. The average household size was 3.09, and the average family size was 3.55.
The age distribution of the community was 22.0% under the age of 18, 9.7% from 18 to 24, 30.2% from 25 to 44, 25.4% from 45 to 64, and 13.8% who were 65 years of age or older. The median age was 37.3 years. The gender makeup of the community was 49.6% male and 50.4% female.
The median income for a household in the community was $96,533, and the median income for a family was $108,079. Males had median earnings of $42,552 versus $30,979 for females. The community’s per capita income was $40,361. About 6.9% of families and 9.8% of the population were below the poverty line, including 14.6% of those under age 18 and 9.0% of those age 65 or over.
According to the Demographic Statistical Atlas of the United States, as of 2018, the largest ancestry groups were:
Downtown Annandale is also referred to by some as Koreatown as there were roughly 929 South Korean-owned businesses as of 2006 and 67 South Korean-owned restaurants as of July 1, 2010, operating in the Washington Metropolitan Area, according to the GIANT Directory for South Korean-owned and Korean-American businesses. They were developed beginning in the 1990s by Korean immigrants to the region. The influx of Koreans to Northern Virginia and Annandale can be traced to the ease of commute into the District of Columbia for federal employees, the quality of its schools, and even the opening of an office of the Fairfax County Economic Development Authority in Seoul. Most of the businesses and restaurants initially catered primarily to South Korean expatriates, but some had a diverse clientele from the beginning. In the past, county officials sought to make Annandale more diverse by encouraging Korean businesses to include English in their signs. Today, Fairfax County is home to nearly 40,000 Koreans and is seen by many Washingtonians as a destination for karaoke, BBQ, and bingsu. There are now multiple generations of Korean-American businesses and restaurants in Annandale and they attract a broad demographic of customers.
Fairfax County (which includes Annandale) operates under the urban county executive form of government. The powers of government are vested in an elected Board of Supervisors consisting of nine members elected by district, plus a chairman elected at large. The Annandale CDP lies almost entirely within the Mason District, with one small portion to the southwest lying within the Braddock District.
Educational institutions in Annandale include facilities operated by the Fairfax County Public Schools. Annandale High School, founded in 1954, is the main area public high school although Thomas Jefferson High School for Science and Technology, Falls Church High School, Woodson High School, and Justice High School also take in small portions of Annandale. Other schools include Edgar Allan Poe Middle School, Annandale Terrace Elementary School, Braddock Elementary School, Belvedere Elementary School, Glasgow Middle School, Woodburn Elementary School, Camelot Elementary School, Columbia Elementary School, Canterbury Woods Elementary School (Wakefield CDP), and Wakefield Forest Elementary School.
Annandale High School has one of the area’s few International Baccalaureate Degree programs. Ensembles within the school’s choral program have performed at the Kennedy Center in Washington, D.C., as well as many European venues.
Private Catholic schools in the Annandale area, of the Roman Catholic Diocese of Arlington, include Holy Spirit Catholic School (Wakefield CDP), St. Ambrose Catholic School, and St. Michael’s Catholic School.
Private schools located in Annandale include Grasshopper Green, Kenwood School, Hope Montessori School, Montessori School of Northern Virginia, Oakwood School, Pinecrest School, and Westminster School.
The oldest and largest branch of the Northern Virginia Community College system is also located within Annandale and was founded in 1965. A focal point of “NOVA”, a commonly used nickname of the community college, is the Richard J. Ernst Community Cultural Center which is a 66,000-square-foot (6,100 m) facility containing a 525-seat, state-of-the-art theater with satellite downlink and video projection capability, an 11,000-square-foot (1,000 m) gymnasium/exhibition hall, a light-filled atrium entrance and a two-story art gallery. The college opened with 761 students, and today has more than 75,000 students and 2,600 faculty and staff members, and has six permanent campus sites across Northern Virginia. The student body consists of people from more than 180 countries.
As of the 2010 U.S. Census the U.S. Census Bureau defines the campus, which has an Annandale postal address, as being in the Wakefield CDP. The bureau defined the campus as being in the Annandale CDP for the 1990 U.S. Census and the 2000 U.S. Census, but in 2010 separated the area with the NVCC campus into a new CDP.
The Fairfax County Fire & Rescue department staffs two stations in Annandale; downtown at Station 8, and in West Annandale, at Station 23, that operate within Annandale and surrounding areas within and around the county when needed. The Annandale Volunteer Fire Department (AVFD), a non-profit organization started in 1940, owns and maintains stations 8 and 23. Through a partnership with Fairfax County, both stations are now staffed full-time with career personnel employed by Fairfax County. Volunteers also provide regular emergency services at both stations. Vehicles owned by AVFD display “Annandale Volunteer Fire Department” markings and include Medic 408, Medic 408B, Ambulance 408, Engine 408, Canteen 408, & Medic 423. Engine 423, Light and Air 423, Tower 408 and BC404 are owned by Fairfax County and marked as such. However, all vehicles have some type of “Annandale” on the exterior.
Fairfax County Public Library operates the George Mason Regional Library in the CDP.
The Audrey Moore RECenter (originally known as the Wakefield Recreation Center when it opened in 1977), located in Wakefield Park (now within the Wakefield CDP), houses an indoor pool measuring 76,000 square feet (7,100 m) in size and a 50m x 25yd pool. The REC center offers more than 40 group fitness classes each week.
Annandale has parks scattered across its geographical region and a number of them are maintained by the Fairfax County Park Authority. The following parks are located in Annandale: Mason District Park, The Wakefield Chapel Park, Turkeycock Run Stream Valley Park, Annandale Community Park, Ossian Hall Park, Kendale Woods Park, Mill Creek Park, Wilburdale Park, Broyhill Crest Park, Larchmont Park, Canterbury Woods Park, Hidden Oaks Nature Center (Fairfax County Government Park Authority), Pine Ridge High School Site Park, Camelot School Site Park, Oak Hill Park, Backlick Park, Willow Woods Park, Valley Crest Park, Long Branch Falls Park, Manassas Gap Park, Fairfax Hills Park, Masonville Park, Howery Field Park, Poe Terrace Park, Rose Lane Park, Indian Run Stream Valley Park, and Accotink Stream Valley Park.
The Wakefield Skate Park is also located within Wakefield Park (now in the Wakefield CDP). The skate park also offers skateboarding, BMX classes and camps for children of all ages and skills.
Notable individuals who were born in and/or have lived in Annandale include actor Mark Hamill; country music performer Kelly Willis; actor Dylan Walsh; Christopher McCandless, the subject of author Jon Krakauer’s 1996 book, Into the Wild; and Fawn Hall, a notable figure in the Iran-Contra affair. Soccer goalkeeper Bill Hamid is from Annandale.
In the video game Fallout 3, the city is used as a location under the name of Andale. The city is inhabited by a group of inbred cannibals who proudly go by the title of the “Friendliest Town in the USA”.
In 2016, a contentious video posted onto YouTube in 2014 about Annandale, Virginia resurfaced and reached over a million views after the creator, named Angelo Mike, posted it onto Reddit himself. In the video, Mike claims that Annandale is a “funnel for the dregs of society” and points out its flaws with “striking images of filth, ruin, and a dead rat”. Although his intention was to create a lighthearted video in which Annandale residents could make fun of the city with him, he has received criticism for misrepresenting the Washington, D.C. suburb.
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.