Owner Operator Insurance Cost Drexel Hill, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Drexel Hill, 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 Drexel Hill, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Drexel Hill, 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
- Berkley Prime
- Falls Lake
- Great Lakes
- Allied World
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Tokio Marine
- National General
- Great American
- ACE / Westchester
- National Casualty / Nationwide
- Scottsdale Brokerage
- Crum Forster
- James River
- IFG – Burlington
- Carolina Casualty
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.
- 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.
- 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.
- 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.
Drexel Hill is a neighborhood and census-designated place (CDP) located in Upper Darby, Pennsylvania, United States. The population was 29,181 at the 2020 census, an increase over the figure of 28,043 tabulated in 2010, and accounting for over one-third of Upper Darby’s population.
Drexel Hill is located in the western part of Upper Darby Township at (39.949962, -75.301841). The neighborhood is eight miles from Center City, Philadelphia and is bordered to the north by Haverford Township, to the east by the Kirklyn, Highland Park, Beverly Hills, and Bywood neighborhoods of Upper Darby, to the southeast by the borough of Lansdowne, to the south by the borough of Clifton Heights and the Westbrook Park neighborhood of Upper Darby, and to the southwest by Springfield Township. Darby Creek forms the southwestern/southern border of the CDP. U.S. Route 1 (Township Line Road) runs through the northwestern corner of the CDP and forms most of its northern border with Haverford Township.
The CDP has a total area of 3.2 square miles (8.3 km), all land.
The Lower Swedish Cabin on Creek Road alongside Darby Creek is possibly the oldest log house in North America. The cabin is believed to have been built by early Swedish settlers who were part of the New Sweden colony. The cabin was most likely built between 1638 and 1655, but the exact year is not known. Log cabin architecture was a major contribution of the colonial Swedes. European settlers from other countries copied this style of housing, and the log cabin became popular all across America.
Collen Brook Farm is a historic home and associated buildings located at the end of a lane off Mansion Road at Marvine Avenue in Drexel Hill. The original house and barn were built about 1710 by Abraham Lewis. It was most recently acquired by Upper Darby Township in 1989. It is open to the public on Sundays from May through October.
Thornfield, the estate of famed abolitionist and Quaker Thomas Garrett, lies on Garrett Road (named for his family, who were among the earliest settlers of that part of the township) and Maple Avenue in Drexel Hill. Garrett resided here before 1822 and would later work as a station master in Wilmington, Delaware, the last stop on the Underground Railroad. In 1956, the Thornfield estate was purchased by Caroline and Walter Isard, active Quakers who moved to the area when Walter founded the Regional Science department at the University of Pennsylvania. Caroline went on to found the[Fair Housing Council of Suburban Philadelphia together with other concerned citizens in the area. As of 2014, the estate is owned by Randal T. Rioux. It is currently undergoing restoration, along with renovations necessary to preserve its history and allow for modern capabilities.
As of the 2010 census the racial makeup of Drexel Hill was 87.1% White, 5.5% Black or African American, 0.1% American Indian and Alaska Native, 5.3% Asian, 0.1% Native Hawaiian and other Pacific Islander, and 2.0% other.
The largest ethnic groups in Drexel Hill are Irish (41.8%), Italian (24.5%), German (16.7%), English (9.9%), Polish (4.2%), United States (2.8%), Hispanic (2.2%).
There were 11,896 households, out of which 29.9% had children under the age of 18 living with them, 49.6% were married couples living together, 9.9% had a female householder with no husband present, and 36.9% were non-families. 32.0% of all households were made up of individuals, and 13.0% had someone living alone who was 65 years of age or older. The average household size was 2.46 and the average family size was 3.19.
In the CDP, the population was distributed with 24.3% under the age of 18, 7.5% from 18 to 24, 32.4% from 25 to 44, 20.3% from 45 to 64, and 15.5% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 90.2 males. For every 100 females age 18 and over, there were 86.4 males.
The median income for a household in the CDP was $48,765, and the median income for a family was $65,862 . Males had a median income of $42,841 versus $31,904 for females. The per capita income for the CDP was $25,471. About 3.5% of families and 4.9% of the population were below the poverty line, including 4.6% of those under age 18 and 6.0% of those age 65 or over.
SEPTA operates two trolley lines through Drexel Hill: Route 101- a few stops in Drexel Hill are Irvington Rd, Drexel Hill Junction, School Lane, Aronimink, Drexelbrook, Drexel Park, Garrettford, Huey Avenue, School Lane, Anderson Avenue, Drexeline, Drexel Manor, Marshall Road, and Creek Road, stations to Media and Route 102 Sharon Hill, both lines begin at the 69th Street Transportation Center. Several SEPTA bus routes also operate via Drexel Hill, including routes 107, 110, 111, and 115.
The major roads running through Drexel Hill are Township Line Road (US 1), State Road, Burmont Road, Garrett Road, Lansdowne Avenue, Marshall Road, Drexel Avenue, Edmonds Avenue and Shadeland Avenue.
The Upper Darby School District operates the following public schools in the Drexel Hill neighborhood:
As an Upper Darby neighborhood, Drexel Hill is served by the Upper Darby Police Department, Crozer-Keystone Paramedics (based out of Delaware County Memorial Hospital), and the Upper Darby Township Fire Department, a combination paid/volunteer department which consists of five stations:
Companies 26, 36, 37, and 74 are staffed from 7 am Monday until 7 am Saturday by career personnel from IAFF Local 2493. They are supplemented by volunteers during the weekdays and fully staffed by volunteers on weekends.
Television personality Dick Clark lived from 1954 to 1956 at the Drexelbrook Apartment complex while hosting Barr’s Diamond Theater and a radio show on WFIL, before he was hired to host American Bandstand. Television personality Ed McMahon also lived at the Drexelbrook before teaming up with Johnny Carson on Do You Trust Your Wife?, then The Tonight Show.
Children’s author Lloyd Alexander lived in Drexel Hill with his wife and several cats.
1970s folk/pop singer-songwriter Jim Croce grew up in the Bywood and Drexel Hill sections of Upper Darby. Croce graduated Upper Darby Sr. High in 1960, and attended Villanova University 1961–1965. He married Ingrid Jacobson of Wallingford. Her family is believed to have bought the house Dick Clark sold upon leaving for the west coast when Bandstand left WFIL in the early ’60s. Croce was the first to be inducted on Upper Darby High School’s “Wall of Fame” in April 1976.
Former United States Representative Pat Meehan of the Seventh Congressional District of Pennsylvania lives in Drexel Hill.
Alan Graham MacDiarmid ONZ (April 14, 1927 – February 7, 2007), one of three recipients of the Nobel Prize for Chemistry in 2000, died in 2007 after falling in his Drexel Hill home. He is buried at Arlington Cemetery in Drexel Hill.
Nancy Meyers, producer and director of movies including The Parent Trap (1998), What Women Want (2000), Something’s Gotta Give (2003), The Holiday (2006), It’s Complicated (2009) and The Intern (2015) was raised in a Jewish household in the Drexel Hill area.
Drexel Hill resident Gregore J. Sambor was a former commissioner of the Philadelphia Police Department best known for his role in the 1985 bombing of MOVE, in which six adults and five children died after he told firefighters to stand down and “let the fire burn”.
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.
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?
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.