Owner Operator Insurance Cost Delaware, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Delaware, 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 Delaware, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Delaware, 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.
Delaware is a city in and the county seat of Delaware County, Ohio, United States. Delaware was founded in 1808 and was incorporated in 1816. It is located near the center of Ohio, about 30 miles (48 km) north of Columbus as part of the Columbus metropolitan area. The population was 41,302 at the 2020 census.
While the city and county of Delaware are named for the Delaware tribe, the city of Delaware itself was founded on a Mingo village called Pluggy’s Town. The first recorded settler was Joseph Barber in 1807. Shortly afterward, other men started settling in the area (according to the Delaware Historical Society); namely: Moses Byxbe, William Little, Solomon Smith, Elder Jacob Drake, Thomas Butler, and Ira Carpenter. In 1808, Moses Byxbe built the first framed house on William Street. Born in Delaware County in 1808, Charles Sweetser went on to become a member of the United States House of Representatives from 1849 to 1853. On March 11, 1808, a plan of the city was filed, marking the official founding of the town. Byxbe and the others planned the city to be originally on the east bank of the river, but it was switched to the west bank only a few days after the first plan was filed.[why?]
Even though Delaware was still a small community, in 1812, when the capital of Ohio was moved from Chillicothe, Delaware and Columbus were both in the running and Delaware lost by a single vote to Columbus. However, following the War of 1812, settlers began arriving in Delaware in greater numbers. Among some of the earliest settlers were the parents of Rutherford B. Hayes, the 19th President of the United States. The Hayes home no longer stands, but a historical marker in front of a BP station marks the location. As of 2018, the Rutherford B. Hayes Comes Home committee is trying to raise $125,000 to get a statue of Hayes placed at the corners of William and Sandusky streets and a bust of Hayes to be placed at Rutherford B. Hayes High School. The statue would be a 125% scale depiction of the president, which would stand at about 10 feet with its pedestal. Committee Chairman Bill Rietz said that the committee would like to raise the money by October 4, 2019, Hayes’ 197th birthday.
In the early days of the town, a sulfur spring was discovered northwest of Joseph Barber’s cabin. By 1833, a hotel was built as a health spa near the spring. However, the Mansion House Hotel was a failure, and by 1841, citizens began raising funds to purchase the hotel property with the intent of giving it to the Ohio and North Ohio Methodist Episcopal Conference of the Methodist Church for the purpose of a Methodist college. With that effort, Ohio Wesleyan University was founded in 1844.
Railroads came to the area in April, 1851 as Delaware served as a stop on the Cleveland Columbus and Cincinnati Railroad. Additional rail lines were added to serve Delaware providing access to major cities and markets throughout the country by the late 1890s. At the turn of the century, Delaware could boast of its own electric street railway system. In the early 1930s, electric inter-urban service was provided by the Columbus, Delaware and Marion system.
During the Civil War, Delaware was the home to two Union training camps. The first on the west side of the river for white recruits of the 96th and 121st Ohio Volunteer Infantry were mustered into service. The second, on the east side of the river was for African-Americans joining the army in Ohio in the 127th Regiment of Ohio Volunteer Infantry – later renamed the 5th Regiment United States Colored Troops.
Delaware is located at 40°17′56″N 83°4′19″W / 40.29889°N 83.07194°W (40.298898, -83.072007).
The city is located approximately 24 miles north of Ohio’s capital city, Columbus, due north along U.S. Route 23.
According to the United States Census Bureau, the city has a total area of 19.07 square miles (49.39 km), of which 18.95 square miles (49.08 km) are land and 0.12 square miles (0.31 km) is water.
The Olentangy River runs through the city.
As of the census of 2010, there were 34,753 people, 13,253 households, and 8,579 families residing in the city. The population density was 1,833.9 inhabitants per square mile (708.1/km). There were 14,192 housing units at an average density of 748.9 per square mile (289.2/km). The racial makeup of the city was 90.6% White, 4.5% African American, 0.2% Native American, 1.4% Asian, 0.8% from other races, and 2.5% from two or more races. Hispanic or Latino of any race were 2.5% of the population.
There were 13,253 households, of which 35.9% had children under the age of 18 living with them, 48.7% were married couples living together, 11.7% had a female householder with no husband present, 4.4% had a male householder with no wife present, and 35.3% were non-families. 28.4% of all households were made up of individuals, and 9.4% had someone living alone who was 65 years of age or older. The average household size was 2.47 and the average family size was 3.04.
The median age in the city was 33.2 years. 25.5% of residents were under the age of 18; 11.8% were between the ages of 18 and 24; 30.5% were from 25 to 44; 21.1% were from 45 to 64; and 11.1% were 65 years of age or older. The gender makeup of the city was 48.0% male and 52.0% female.
As of the census of 2000, there were 25,243 people, 9,520 households, and 6,359 families residing in the city. The population density was 1,682.9 inhabitants per square mile (649.8/km). There were 10,208 housing units at an average density of 680.5 per square mile (262.7/km). The racial makeup of the city was 92.8% White, 3.8% African American, 0.19% Native American, 0.84% Asian, 0.10% Pacific Islander, 0.55% from other races, and 1.66% from two or more races. Hispanic or Latino of any race were 1.2% of the population.
There were 9,520 households, out of which 34.7% had children under the age of 18 living with them, 52.1% were married couples living together, 11.1% had a female householder with no husband present, and 33.2% were non-families. 26.9% of all households were made up of individuals, and 9.1% had someone living alone who was 65 years of age or older. The average household size was 2.45 and the average family size was 2.98.
In the city the population was spread out, with 24.7% under the age of 18, 14.5% from 18 to 24, 31.0% from 25 to 44, 18.9% from 45 to 64, and 10.9% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 91.5 males. For every 100 females age 18 and over, there were 87.5 males.
The median income for a household in the city was $46,030, and the median income for a family was $54,463. Males had a median income of $33,308 versus $23,668 for females. The per capita income for the city was $20,633. About 6.8% of families and 9.3% of the population were below the poverty line, including 10.9% of those under age 18 and 8.6% of those age 65 or over.
Delaware is the location of Ohio Wesleyan University, one of the Five Colleges of Ohio, one of many liberal arts colleges in the United States with declining enrollment. The city is famous for The Little Brown Jug, an internationally famous harness race which is part of the Triple Crown of harness racing for Pacers.
Other notable places include:
Main streets include:
The Delaware downtown is the epicenter of the city. It boasts The Strand Theatre, the longest continually operating movie theater in Ohio, many restaurants, most with outdoor eating spaces. Quaint boutiques, antique shops, breweries, wineries, bookstores, yoga and dance studios are located amid floral shops, a record shop, cycling store, coffee shops, commercial banks, salons and spas. Downtown Delaware has a main branch library, city hall, municipal courthouse and the county tourism bureau.
Delaware has many businesses characteristic of American university towns: a historical cinema, coffee shops, organic food stores, and local restaurants. The Arts Castle, home to the Delaware County Cultural Arts Center, offers classes ranging from ballet to fiber arts. The Boardman Arts Park is the outdoor art exhibit and event space, and includes the Delaware Beer & Wine Festival.
Delaware residents support a popular farmer’s market, professional theaters, the Ballet Met, the Central Ohio Symphony Orchestra, Columbus Symphony, Opera Columbus, Contemporary American Theater Company, the Columbus Museum of Art, the Delaware Community Chorus and many theater opportunities. The city also hosts one of the main flea markets in the area every Sunday from 5am to 1pm. It is held at the Delaware County fairgrounds starting on April 1 and running every weekend until the end of October.
The Historic Northwest Neighborhood boasts more than 500 homes and carriage houses listed on the National Register of Historic Places, all recognized as worthy of preservation for local, state and national significance in American history and architecture. Each home, distinctively unique in character and style, takes you back in time and creates a deep appreciation for craftsmanship and history. From the earliest Federal style (c. 1826), to the modern Craftsman (c.1915) and the French Eclectic (c. 1930), the area includes Gothic Revival, Italianate, Second Empire, Folk Victorian, Stick, Queen Anne, Richardsonian Romanesque, Shingle, Prairie, Mission Tudor and Colonial Revival styles. Victorian mansions are just steps from the robust Downtown Historic District, where another 79 buildings are listed on the National Register.
Delaware’s historic Northwest District, home to city founders and entrepreneurs in the 1800s, remains a time-tested, vibrant community and a great place to live. The Northwest Neighborhood incorporates the downtown business district and a portion of Ohio Wesleyan University.
The Little Brown Jug, an internationally famous harness race which is part of the Triple Crown of harness racing for Pacers, takes place annually at the Delaware City Fairgrounds during the Delaware County Fair. The race attracts tens of thousands of fans, holding the record for the largest crowd to see a harness race with 56,000 spectators.
The city also has Its own minor-league soccer club, Delaware Rising F.C.. The men’s team competes in the Northern Ohio Soccer League (NOSL) across the state of Ohio with the majority of players from around the Delaware County area. Their home field is just outside of Downtown Delaware at Buckeye Valley High School’s stadium.
Delaware schools also feature numerous sports teams. These include Ohio Wesleyan University competing in the NCAA, Delaware Hayes High School competing in the OHSAA, and Delaware Christian High School competing in the OHSAA, as well as some of the local middle and elementary, public and private schools competing in various central Ohio leagues.
Ohio Wesleyan’s Selby Field was once home to the Ohio Machine, men’s professional lacrosse team from 2012-2015.
The dominant local newspaper in Delaware is a morning daily, The Delaware Gazette, founded in 1818. The paper is owned by Ohio Community Media. Other local print publications include ThisWeek Delaware News, owned by the Columbus Dispatch and the Transcript, the student paper at Ohio Wesleyan University.
There is a true economic mix in the area. The economic mix of the county reveals a balance of the following main economic activities: Manufacturing (18%), Trade (27%), Government (15%), and Service (23%) according to statistics published by Delaware Area Chamber of Commerce in 2000. The largest employers are in automobile coatings, plastics, copper products, education, insurance, automobile parts and distribution, sports apparel, retail, services, and government. Delaware County is a net importer of workers from throughout Ohio.
Packaging company Greif, Inc. is headquartered in Delaware.
U.S. Route 23, U.S. Route 36 and U.S. Route 42 pass through Delaware. Ohio Route 37 also passes east-west through Delaware.
The Delaware Municipal Airport, a public general aviation airport is at the southwest part of the city.
The Chesapeake and Ohio Railway, New York Central Railroad and the Pennsylvania Railroad operated passenger trains through separate stations in Delaware. The Pennsylvania Railroad ended its Columbus-Sandusky passenger trains by the early 1930s. The New York Central’s Night Special (Cincinnati-Columbus-Cleveland) operated through its passenger station until 1965. The Chesapeake and Ohio’s final train, a Detroit-Ashland, Kentucky train segment that met in Ashland with the main part of the George Washington, ran until April 30, 1971, on the eve of Amtrak.
The City of Delaware operates under a council–manager form of government. Council, as the legislative body, represents the entire community and is empowered by the city charter to formulate policy. City council has seven members: three elected at-large by all city residents, and four representing the four city wards and elected only by those ward residents. All council members serve four-year terms. The mayor and vice mayor are selected by council from among the at-large members and serve two-year terms. Council members are part-time civil servants who do not maintain offices at City Hall but, rather, serve their constituency through personal contact.
The city manager handles the day-to-day administration of the city and is appointed by the city council. The current city manager is R. Thomas Homan.
Ohio Wesleyan is a private independent liberal arts college located in the heart of Delaware. Ohio Wesleyan University enrolls approximately 1,950 students from 40 states and more than 50 countries. The level of academic excellence has placed Wesleyan among the 80 top liberal arts colleges in the annual rankings published by the U.S. News & World Report. According to the same magazine, the university was recognized as one of the Best College Values among the top 40 in the United States. Students live in residence halls and benefit from a large campus providing academics, athletics and services. There is a traditionally positive town-government relationship, with Wesleyan student volunteers in the Delaware community and coordination of institutional and cultural interests with the city. Due to high enrollment of minority and international students at the university, it has influenced the international, ethnic and religious diversity of Delaware.
The Methodist Theological School in Ohio is a graduate school seminary located between Delaware and Columbus, Ohio. Often referred to as Methesco.
Delaware Area Career Center
The Delaware City School District, which encompasses Delaware and the surrounding area, enrolls about 5,700 PreK-12 students. Frank B. Willis Education Center (formerly the Intermediate School and High School) is home to the administrative offices of the district.
High schools
Middle school
Elementary schools
K-8
K-12
A sister city partnership was signed May 13, 2011, by the Cities of Delaware and Baumholder, Germany, highlighting a four-day stay in Delaware by a Baumholder delegation, in which the guests established relationships with local government, business and educational leaders. The four-person delegation was led by Baumholder Mayor Peter Lang, who was joined by Deputy Mayors Michael Röhrig and Christian Flohr; and Council Member Ingrid Schwerdtner. Mayor Lang and Delaware Mayor Gary Milner, with their respective elected delegations looking on, signed a joint resolution, “holding the firm belief that this agreement will contribute toward the peace and prosperity of the world, and do hereby pledge to cooperate with each other as twin/sister cities.” The two cities have had a relationship since the early 1990s as the Ohio Wesleyan University men’s soccer team travels to Baumholder for a series of summer friendly games.
A sister city partnership was signed April 19, 2017, by the Cities of Delaware and Sakata, Japan. Delaware delegation members Mayor Carolyn Kay Riggle, City Manager Tom Homan, Hayes High School Math Teacher Joanne Meyer, Jeffery Sprague of Next Transport, and Ohio Weslyan University Provost Chuck Stinemetz visited Sakata where Mayor Riggle and Sakata Mayor Itaru Maruyama signed a Sister City Agreement. Delaware and Sakata have had close relations for years before this agreement, exemplified by Dempsey Middle School’s Sakata exchange program where Sakata students come to live with Delaware host families once a year. This has gone on for the past 21 years, as of the 2018–2019 school year.
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.