Owner Operator Insurance Cost Bethel Park, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Bethel Park, 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 Bethel Park, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Bethel Park, 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.
Bethel Park (officially the Municipality of Bethel Park) is a borough with home rule status in Allegheny County, Pennsylvania, United States. It is a suburb within the Pittsburgh metropolitan area, located approximately 7 miles (11 km) south of Pittsburgh. The population was 33,577 as of the 2020 census.
The area that is now Bethel Park was originally settled around 1800 and was established as Bethel Township in 1886. It was named after Bethel Presbyterian Church, which in turn was named after the ancient Israelite sanctuary of Bethel. Bethel Park was incorporated as a borough on March 17, 1949, and became a home rule municipality in 1978.
The first armored car robbery in the U.S. occurred on March 11, 1927, when a Brinks truck, heading towards the Coverdale Mine about a mile away was attacked. Paul Jaworski and Flatheads gang destroyed the road with dynamite to steal a mining payroll.
According to the U.S. Census Bureau, the borough had a total area of 11.7 square miles (30 km), all land. Its average elevation is 1,197 feet (365 m) above sea level. Bethel Park lies at the margin between the Pittsburgh Low Plateau and Waynesburg Hills Sections of the Allegheny Plateau physiographic province. The area is characterized as a maturely dissected region where the ephemeral minor tributaries converge into the tributaries of principal streams.
The highest point in Bethel Park is Rocky Ridge, in the southwestern portion of the borough, 1,370 feet (420 m), and the lowest point is at the intersection of the Piney Fork and Alsip Run creeks, 980 feet (300 m), in the southeast corner.
Bethel Park has seven borders, including Castle Shannon to the north, Whitehall to the north-northeast, Baldwin to the northeast, South Park to the east and southeast, Peters Township in Washington County to the south, Upper St. Clair to the west, and Mt. Lebanon to the north-northwest.
The exposed rocks in Bethel Park are mostly composed of sandstone, limestone, shale, and a few coal layers (Redstone, Waynesburg, Washington, etc.). The ages of the exposed rocks bracket the late Pennsylvanian epoch (Gzhelian age; approximately 303 million years ago) near the lowest elevations, and Early Permian period (Asselian age; approximately 297 million years ago) near the highest parts of the southern part of Bethel Park (e.g. Rocky Ridge). These sedimentary rocks were deposited as the sea level rose and fell along an ancient coastline (with the region alternating between delta, shallow lake, and shallow sea), and finally being uplifted with the formation of the Appalachian Mountains.
Bethel Park is underlain by the Pennsylvania-age Monongahela Formation. The Monongahela Formation consists of the Uniontown member and the underlying Pittsburgh member, and the base is the Pittsburgh coal seam. Much of southern Allegheny County is undermined, and the PADEP indicates that all of Bethel Park was undermined.
A portion of the area is underlain by the Pittsburgh Terminal No. 8 Mine (Cortis and others, 1975), which was commonly known as the “H” Mine and the Coverdale Mine. The mine opened around 1920. The historic operations of the Coverdale Mine are apparent on a Bridgeville 7.5-minute topographic map. A “Mine Dump” is shown adjacent to the Montour Railroad tracks and South Park Road. Coal was mined through vertical shafts accessing inclined slopes following the dip of the Pittsburgh coal seam. Mine voids in the inclined slope resulted from the practice of room and pillar mining during the early 20th century. The Coverdale Mine is closed and largely unflooded.
At the 2020 census there were 33,556 people, 13,362 households, and 9,540 families living in the Municipality. The population density was 2,869.8 inhabitants per square mile (1,108.0/km). There were 13,871 housing units at an average density of 1,186.3 per square mile (458.0/km). The racial makeup of the borough was 97.10% White, 1.02% African American, 0.03% Native American, 1.11% Asian, 0.03% Pacific Islander, 0.13% from other races, and 0.58% from two or more races. Hispanic or Latino of any race were 0.49%.
There were 13,362 households, 30.3% had children under the age of 18 living with them, 62.0% were married couples living together, 7.2% had a female householder with no husband present, and 28.6% were non-families. 26.1% of households were made up of individuals, and 12.0% were one person aged 65 or older. The average household size was 2.48 and the average family size was 3.01.
The age distribution was 23.7% under the age of 18, 5.0% from 18 to 24, 26.8% from 25 to 44, 26.5% from 45 to 64, and 18.1% 65 or older. The median age was 42 years. For every 100 females there were 91.9 males. For every 100 females age 18 and over, there were 87.7 males.
The median household income was $53,791 and the median family income was $64,390. Males had a median income of $47,876 versus $32,351 for females. The per capita income for the borough was $25,867. About 2.5% of families and 3.7% of the population were below the poverty line, including 4.1% of those under age 18 and 3.8% of those age 65 or over.
The Municipality’s home rule status provides Bethel Park with greater powers of governance than the default form of borough government. It is divided into nine wards of approximately equal population, each electing one member of the Bethel Park Municipal Council, and all together electing the mayor at large. Both the mayor and the council member serve four-year terms. Each council member is required to reside in the ward that they represent.
The completion of the Pittsburgh Railways Interurbans in the early 1900s opened up Bethel Park to accelerated growth and development, making the area an early example of a streetcar suburb. While most of the Pittsburgh area’s passenger rail and streetcar services were discontinued in the 1950s and 1960s and further growth was fueled by automobiles, the trolley lines through Bethel Park were kept in service and upgraded to modern light rail standards in the 1980s. All three of Port Authority of Allegheny County’s light rail lines run through Bethel Park, with the Blue and Red lines terminating at South Hills Village, and the Silver Line passing through the central business district to its terminus in Library. Park-and-ride lots at South Hills Village, West Library, Lytle, and Washington Junction provide local commuters with an easy trip to Pittsburgh.
Pennsylvania Route 88 and U.S. Route 19 run through Bethel Park, with much of the area’s busy commercial developments along the two corridors. The Yellow and Orange Belts of the Allegheny County belt system serve the borough, with the Orange Belt terminating in the southeast corner near the border with South Park. Interstate 79 and the Mon-Fayette Expressway do not enter Bethel Park but are both within a 15-minute drive from the borough. The cancelled South Hills Expressway was planned to be constructed along the Route 88 corridor.
In addition to light rail service, Port Authority’s 36 Banksville and Mid Mon Valley Transit Authority’s Commuter A routes provide bus service through the commercial areas of the borough.
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.
