Owner Operator Insurance Cost Burke, Virginia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Burke, 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 Burke, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Burke, 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.
Burke is an unincorporated section of Fairfax County, Virginia, United States, traditionally defined as the area served by the Burke post office (Zip Code 22015). Burke includes two census-designated places: the Burke CDP, population 42,312 in 2020
and the Burke Centre CDP, population 17,518 in 2020.
Burke is named after Silas Burke (1796–1854), a 19th-century slave-owner, farmer, merchant, and local politician who built a house on a hill overlooking the valley of Pohick Creek in approximately 1824. The house still stands. When the Orange and Alexandria Railroad was constructed in the late 1840s, the railroad station at the base of that hill was named “Burke’s Station” after Burke, who owned the land in the area and donated a right-of-way to the railroad company. The community that grew up around the railroad station acquired a post office branch in 1852. The railroad tracks located on the same historical line are owned by the Norfolk Southern Railway and form part of the Manassas line of the Virginia Railway Express commuter rail system, which has two stations (Rolling Road and Burke Centre) in the Burke area. The original Burke Station building can still be seen in the community, turned 90 degrees from its historical footprint.
During the Civil War, the railway station was garrisoned by Union troops. The Bog Wallow Ambush occurred nearby in 1861. On December 28, 1862, Confederate cavalry under General J.E.B. Stuart raided the station. Stuart seized supplies from the area, destroyed a nearby bridge, monitored Union messages passing over the telegraph lines, and then famously sent a telegram to Union Quartermaster General Montgomery C. Meigs complaining of the poor quality of the mules he had captured. Further action was seen in the neighborhood in 1863.
In 1903, Henry C. Copperthite changed the name of the post office from Burke’s Station to Burke after buying the Burke House and 241 acres (98 ha) to build a racetrack for trotting and pacing horses. Copperthite was a wealthy man and the largest non-government employer in Washington, D.C.; in 1914 his factory in Georgetown produced 50,000 pies a day, earning him the nickname “King of Pie”. Copperthite built four hotels, stables and expanded the general store. Burke became a popular summer destination where people attended fairs and saw horse races, foot races, motorcycle races, exhibition boxing matches and baseball games. Trains ran to Burke from Union Station in D.C., Alexandria, Prince William and Loudoun counties and as far away as Richmond. Copperthite installed the first phones in Burke, and his stables housed the horses of President McKinley and Vice President Theodore Roosevelt. The site of the racetrack is marked by a historic marker erected by Fairfax County in 2016.
The area remained predominantly rural into the mid-20th century. After World War I, Burke’s population grew as federal government workers moved into the area within easy commuting distance to Washington.
In 1951, the U.S. Civil Aeronautics Administration announced plans to condemn 4,520 acres (1,830 ha) of land in Burke to construct a second airport to serve the Washington metropolitan area. After a lengthy lobbying campaign by area residents, the government in 1958 selected a different site near Chantilly, Virginia, which would become Washington Dulles International Airport. Land that had been purchased to build the airport was later developed into Burke Lake Park and the planned community of Burke Centre.
The first large subdivision in the vicinity, Kings Park, was constructed beginning in 1960, and was followed by many others over the next two decades, converting Burke into a densely populated suburban community.
A historic marker in Burke denotes the Huldah Coffer House, owned by a prominent resident of the county for many years. Another privately erected historical marker indicates the site of the former Lee Chapel Methodist church, which was intentionally burned in 1951 after having been abandoned for some years, but whose cemetery remains on the site.
Burke is located south of the center of Fairfax County at 38°46′53″N 77°16′15″W / 38.78139°N 77.27083°W (38.781480, −77.270750). The Burke CDP is bordered by the CDPs of Burke Centre to the west, Kings Park West to the northwest, Long Branch and Wakefield to the north, Kings Park to the northeast, West Springfield to the east, Newington Forest to the south, and South Run to the southwest. Burke Lake Park, which borders the Burke CDP to the southwest and is not part of any CDP, is a large recreational park operated by the Fairfax County Park Authority, featuring a golf course and woodland surrounding Burke Lake.
According to the United States Census Bureau, the Burke CDP has a total area of 8.7 square miles (22.6 km), of which 8.6 square miles (22.3 km) is land and 0.1 square miles (0.3 km), or 1.22%, is water. Most of the water making up Burke consists of artificial ponds and lakes.
As of the census of 2000, there were 59,830 people, 19,215 households, and 15,756 families residing in the community. Burke is the largest community in Virginia recognized by the Census Bureau, other than counties and incorporated cities (although 11 cities and Arlington, Virginia have greater populations). The population density was 5,008.0 people per square mile (1,933.4/km). There were 19,367 housing units at an average density of 1,679.9/sq mi (648.5/km). The racial makeup of the CDP was 74.36% White, 14.66% Asian, 5.04% African American, 3.27% from two or more races, 0.21% Native American, 0.08% Pacific Islander, and 2.37% from other races. Hispanic or Latino of any race were 7.43% of the population.
There were 19,215 households, out of which 44.0% had children under the age of 18 living with them, 70.6% were married couples living together, 8.7% had a female householder with no husband present, and 18.0% were non-families. 13.4% of all households were made up of individuals, and 2.9% had someone living alone who was 65 years of age or older. The average household size was 2.99 and the average family size was 3.30.
The population distribution by age is 27.9% under the age of 18, 7.3% from 18 to 24, 28.6% from 25 to 44, 30.6% from 45 to 64, and 5.5% who were 65 years of age or older. The median age was 38 years. For every 100 females there were 95.1 males. For every 100 females age 18 and over, there were 91.1 males.
According to a 2007 estimate, the median income for a household in Burke is $113,034, and the median income for a family was $125,905. Males had a median income of $66,149 versus $41,933 for females. The per capita income for the CDP was $34,936. About 1.5% of families and 2.3% of the population were below the poverty line, including 2.4% of those under age 18 and 6.0% of those age 65 or over.
Elementary and secondary school students in Burke are served by the Fairfax County Public School System. The elementary schools in Burke are White Oaks, Terra Centre, Fairview and Cherry Run, although students also attend Ravensworth and Kings Park/Kings Glen as well Sangster. Burke is home to Lake Braddock Secondary School, though many students within the district attend Robinson Secondary School and West Springfield High School, as well as South County Secondary School.
Fairfax County Public Library operates the Pohick Regional Library, the Burke Centre Library, and the Kings Park Library in the CDP.
Burke is served by two Virginia Railway Express stations, Burke Centre and Rolling Road, both on the Manassas line. It is also served by the Metrobus (Washington, D.C.) system, via the 17A, B, G, H, K, and L and the 18G, H, J, P, R, and S routes, with rush-hour-only service to the Pentagon and Springfield Metro stations.
Along the boundaries of adjoining Fairfax Station, Burke Lake Park is an 888-acre (3.59 km) park centered on a 218-acre (0.88 km) recreational lake. The park contains a 4.68-mile (7.53 km) jogging trail, campsites, numerous picnic and sports areas, an 18-hole par three golf course with driving range, a disc golf course, miniature golf course, boat rental, amphitheater, ice cream parlor, carousel, and miniature train ride.
Burke Centre is a 1,700-acre (690 ha) planned community that was formerly part of the Burke CDP but is now a separate census-designated area. It is located west of Burke and is divided into five subcommunities: The Commons, The Landings, The Oaks, The Ponds and The Woods. Other notable communities in the Burke area include Rolling Valley West, Burke Village I & II, Lakepointe, Longwood Knolls, Burke Lake Meadows, Edgewater, Lake Braddock, Signal Hill, Crownleigh, and Cherry Run along with Burke Station Square.
All distances are by road from Burke Station, the original settlement of Burke:
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.
