Owner Operator Insurance Cost Dublin, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Dublin, 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 Dublin, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Dublin, 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.
Dublin is a city in Franklin, Delaware and Union counties in the U.S. state of Ohio. The population was 49,328 at the 2020 census. It is a suburb of Columbus. The city of Dublin hosts the yearly Memorial Tournament at the Muirfield Village Golf Club. The Dublin Irish Festival (called Dublin Irish Days in 2021) advertises itself as the largest three-day Irish festival in the world.
Native Americans from the Hopewell, Adena, Delaware, Shawnee, and Wyandot were among the first known inhabitants of the countryside that was to become Dublin, Ohio.
The Wyandots had moved to the Ohio countryside after being decimated by disease and a disastrous war with the Five Nations of the Iroquois in their homeland near Georgian Bay. In 1794, General Anthony Wayne defeated the Wyandots and other Ohio American Indian peoples at the Battle of Fallen Timbers, leading to the Wyandot surrendering most of their land in Ohio with the signing of the Treaty of Greenville.
Chief Shateyaronyah, an important leader known to locals as “Leatherlips”, signed the Treaty of Greenville on August 3, 1795, and encouraged cooperation with white settlers near the end of his life. That policy of accommodating Europeans led to conflict with a movement led by two Shawnee brothers, Tecumseh and Tenskwatawa (The Prophet). Tenskwatawa reacted strongly against Leatherlips and condemned him to death for signing away native lands, and for “witchcraft”. More likely was that this was for his refusal to join the Shawnee. Rather than break the pledge that he signed in 1795, Leatherlips was killed in 1810. The Leatherlips sculpture in Scioto Park was created to honor Chief Shateyaronyah in 1990.
After the Revolutionary War, the United States Government gave 2,000 acres (810 ha) of land along the Scioto River to Lieutenant James Holt as payment for his service. In 1802, Peter and Benjamin Sells from Huntingdon, Pennsylvania, purchased 400 acres (160 ha) of this land for their brother, John. Today, the site of the John Sells’ original purchase is known as Historic Dublin.
In 1808, John Sells brought his family to the region, and by 1810, he had begun to survey lots for the new village with his business partner, an Irish gentleman named John Shields. According to historians, Shields is responsible for naming the town after his birthplace:
In 1833, Dublin contained several mills and one store, and was incorporated in 1881.
In 1970, Dublin was still a small town with only 681 residents. However, the construction of Interstate 270 facilitated a population boom, spearheaded by the acquisition of major corporate headquarters such as Ashland Inc and Wendy’s International. In addition, the growth of the Muirfield Village Golf Club and its residential subdivision attracted numerous affluent citizens to the rapidly growing suburb. It was then officially declared a city in August 1987, after reaching a population of 5,000 residents. As part of this boom Dublin significantly expanded its area, annexing parts of Washington, Perry, Concord, and Jerome townships.
In 2017, out of over 15,000 towns and neighborhoods in the U.S., Dublin was ranked 6th best place to live in the United States. In 2020, Wallethub ranked Dublin the 12th Best Small City in America.
In 2020, the city began redeveloping the Bridge Street District. The 1,100-acre (450 ha) project includes 400 apartments and condominiums, retail, offices, and other space along the Scioto River.
According to the United States Census Bureau, the city has a total area of 24.80 square miles (64.23 km), of which 24.44 square miles (63.30 km) is land and 0.36 square miles (0.93 km) is water.
The Scioto River passes through Dublin. In this area the river and its tributaries cut deep gorges through the limestone bedrock, and the riverbed is stony. Some of these tributaries feature waterfalls.
Located on the Glaciated Allegheny Plateau, Dublin has a relatively flat topography. Nevertheless, there are numerous ravines surrounding the tributaries of the Scioto River, which make for steep cliffs in some areas. Elevations range from 780 feet (240 m) above sea level where the Scioto River leaves the city at Hayden Run Road, while the high point is 1,000 feet (300 m) at Glacier Ridge Metro Park.
According to a 2012 estimate, the median income for a household in the city was $114,183, and the median income for a family was $138,590. Males had a median income of $75,279 versus $43,903 for females. The per capita income for the city was $41,122. About 2.1% of families and 2.7% of the population were below the poverty line, including 2.7% of those under age 18 and 4.0% of those age 65 or over.
As of the census of 2010, there were 41,751 people, 14,984 households, and 11,656 families residing in the city. The population density was 1,708.3 inhabitants per square mile (659.6/km). There were 15,779 housing units at an average density of 645.6 per square mile (249.3/km). The racial makeup of the city was 80.5% White, 1.8% African American, 0.1% Native American, 15.3% Asian, 0.5% from other races, and 1.8% from two or more races. Hispanic or Latino of any race were 1.8% of the population.
As of 2010, the Asian population is: 6.9% Indian, 3.1% Chinese, 2.6% Japanese, 1.3% Korean, 0.2% Vietnamese.
There were 14,984 households, of which 45.1% had children under the age of 18 living with them, 69.5% were married couples living together, 5.9% had a female householder with no husband present, 2.4% had a male householder with no wife present, and 22.2% were non-families. 18.4% of all households were made up of individuals, and 5.4% had someone living alone who was 65 years of age or older. The average household size was 2.78 and the average family size was 3.21.
The median age in the city was 38.3 years. 30.4% of residents were under the age of 18; 4.8% were between the ages of 18 and 24; 27.3% were from 25 to 44; 29.7% were from 45 to 64, and 7.8% were 65 years of age or older. The gender makeup of the city was 49.4% male and 50.6% female.
As of the census of 2000, there were 31,392 people, 11,209 households, and 8,675 families residing in the city. The population density was 1,486.1 inhabitants per square mile (573.8/km). There were 12,038 housing units at an average density of 569.9 per square mile (220.0/km). The racial makeup of the city was 89.66% White, 1.73% African American, 0.08% Native American, 7.36% Asian, 0.02% Pacific Islander, 0.20% from other races, and 0.95% from two or more races. Hispanic or Latino of any race were 1.01% of the population.
There were 11,209 households, out of which 46.6% had children under the age of 18 living with them, 70.7% were married couples living together, 5.0% had a female householder with no husband present, and 22.6% were non-families. 18.5% of all households were made up of individuals, and 3.8% had someone living alone who was 65 years of age or older. The average household size was 2.80 and the average family size was 3.24.
In the city, the population was spread out, with 32.1% under the age of 18, 4.8% from 18 to 24, 33.4% from 25 to 44, 24.3% from 45 to 64, and 5.4% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 98.1 males. For every 100 females age 18 and over, there were 96.4 males.
As of 2011 Dublin has the highest concentration of Asians of any Ohio city. As of 2013 many Japanese expatriates working at Honda offices in the area live in Dublin. As of that year, in some subdivisions in Dublin, Japanese make up 20–30% of the residents. The community includes Japanese restaurants. A Coldwell Banker real estate agent named Akiko Miyamoto stated in Car Talk that the services provided for Japanese speakers by the Dublin City School District attract Japanese expatriates to Dublin.
Honda first established operations in Marysville in 1979. Japanese people began living in Dublin and other suburbs instead of Marysville because Dublin established a support system for Japanese residents and the suburbs offered Saturday schools for Japanese residents. As of the 2010 U.S. Census, 1,071 Japanese people live in Dublin, making up 2.6% of the city’s population. And also as of 2010, 122 Japanese live in Union County, making up 0.2% of the county’s population; Marysville is in this county. Holly Zachariah of The Columbus Dispatch stated that “It has been that way historically.” According to the “2013 Japanese Direct Investment Survey” by the Consulate-General of Japan in Detroit, Dublin had 2,002 Japanese nationals, giving it the highest such population in the state.
Dublin is home to the headquarters of several companies, the largest of which is Cardinal Health, the company with the fifteenth-highest revenue out of any US company in 2022. IGS Energy, Stanley Steemer, Wendy’s and Online Computer Library Center are all headquartered in Dublin as well. Pacer International, a larger intermodal logistics provider, was headquartered in Dublin until its acquisition by XPO Logistics on March 31, 2014. OhioHealth also has significant operations in the Dublin area through the Dublin Methodist Hospital.
According to the City’s 2020 Comprehensive Annual Financial Report, the top employers in the city are:
The Dublin City School District has three high schools (Coffman, Scioto, and Jerome), five middle schools (Sells, Davis, Grizzell, Karrer, and Eversole) and fifteen elementary schools. The 2020–2021 school-year enrollment for the district was 16,254.
The Hilliard City School District also serves a portion of the community. The Hilliard district operates one school, Washington Elementary School, in the city limits.
Area private schools include St. Brigid of Kildare Catholic School in Dublin, Meadows Academy, and St. Brendan School in Hilliard.
Ohio University Heritage College of Osteopathic Medicine, Columbus State Community College, Ohio Dominican University, University of Dayton, and Franklin University have branches in the city.
The Dublin Branch of the Columbus Metropolitan Library is located in the city. Nearby libraries include the Northwest Library and the Hilliard Branch.
Tolles Technical School is in Plain City.
Columbus Japanese Language School, a Japanese supplementary school, holds its classes in Marysville, and has its school office in Worthington. In March 2020 the school was intending to rent space at Glacier Ridge Elementary School in Dublin. It was held online for a year prior to it beginning its Marysville location in September 2021.
Dublin features 999.2 acres (4.044 km) of parks, including 77 miles (124 km) of scenic bike trails and 65+ developed parks with wooded natural areas and river frontage. Several Dublin parks are located along the Scioto River, including the two Dublin Kiwanis Riverway parks. The river is accessible at several points for small watercraft, and the nearby Griggs and O’Shaughnessy reservoirs allow motorboating and sailing.
The Rec Center is home to the Dublin Sea Dragons, a year-round competitive swim team.
Located on the outskirts of Dublin, Glacier Ridge Metro Park provides amenities and facilities for biking, disc golf, horseback riding, and picnicking. This park is not a part of the City of Dublin’s parks, rather a unit of the Columbus and Franklin County Metroparks.
Several of Dublin’s parks are home to a unique assortment of outdoor sculptures—part of the Art in Public Places collection, established by the Dublin Arts Council. In 1988, the council developed the program to enhance the quality of life for residents and to establish a public art tour throughout the city to attract visitors. It has since become a nationally recognized program. The series includes a 12 ft (3.7 m) tall stone portrait of local legend “Leatherlips”; Field of Corn, featuring 109 human-sized cement ears of corn that stand in one Dublin field; and a copper house that honors the region’s Native American culture.
Ballantrae Park is located at the entrance of its namesake subdivision. Sitting upon a 20-foot (6.1 m) tall hillock, there is a 15-foot (4.6 m) bronze sculpture called Dancing Hares or Giant Dancing Rabbits. An interactive play fountain is found at the base of the hill.
Annual events include: St. Patrick’s Day Parade, The Memorial Tournament, Memorial Day Ceremony, Independence Day Celebration, Dublin Irish Festival (the largest 3-day Irish festival in the world), Halloween Spooktacular, Veteran’s Day Ceremony and Tree Lighting.
The city has the following golf clubs:
Each year since 1976, in late May or early June, Muirfield Village Golf Club hosts the Memorial Tournament, a stop on golf’s PGA Tour. The Muirfield Village Golf Club has hosted the 1987 The Ryder Cup and the 2013 The President’s Cup, Tartan Fields Golf Club hosted the LPGA’s Wendy’s Championship for Children from 2002 through 2006, and the Riviera Golf Club (closed in 2014) was home to the American-Italian Golf Association.
Dublin also has a public golf course financed by the Muirfield association.
Approximately 35% of Dublin residents affiliate with some religious organization. As such, Dublin is home to many religious organizations, two of which own buildings listed on the National Register of Historic Places (NRHP) (Dublin Community Church and Saint John Lutheran Church). Diocesan Publications, a secular company that specializes in producing Catholic parish bulletins among other products, has an office in Dublin. Ohio Dominican University and the University of Dayton, both Catholic universities, have branch campuses in Dublin.
The suburban city is primarily accessed by car, with the main expressways serving the city being Interstate 270 (locally known as “the Outerbelt”) and State Route 161 west of its interchange with 270. In the south, U.S. Route 33 flows through the city and runs concurrently with 161 between a roundabout in the center of Dublin and an interchange near a satellite campus of Ohio University. 161 and US 33 act as one of the main non-interstate roads through the historic part of Dublin. Additionally, Ohio State Route 257 runs from downtown Dublin’s roundabout with 161 and US 33 to the city’s north, and running parallel on the other side of the Scioto river is Ohio State Route 745, which also has a southern terminus in the historic part of Dublin. The Dublin Link, a pedestrian and cycling bridge, opened in March 2020.
The Central Ohio Transit Authority provides bus service in parts of the city: route 33 to parts of downtown and the Bridge Street District, while the rush hour route 73 provides express service from commercial areas to Downtown Columbus during rush hour periods.
Dublin’s closest airport is the Ohio State University Airport, though general aviation and not regularly-scheduled commercial flights occur through the airport. Commercial flights to and from Dublin are handled mostly through John Glenn International Airport near the Columbus suburb of Gahanna, with a small amount of commercial flights flowing through Rickenbacker International Airport.
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.