Owner Operator Insurance Cost Elliottsburg, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Elliottsburg, 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 Elliottsburg, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Elliottsburg, 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.
Perry County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 45,842. The county seat is New Bloomfield. The county was created on March 22, 1820, and was named for Oliver Hazard Perry, a hero of the War of 1812, who had recently died. It was originally part of Cumberland County and was created in part because residents did not want to travel over the mountain to Carlisle, the county seat of Cumberland County. Landisburg became the temporary county seat before New Bloomfield was ultimately chosen.
Perry County is included in the Harrisburg–York–Lebanon combined statistical area. The county is served by the 717/223 area codes.
In 2010, the center of population of Pennsylvania was located in the eastern end of Perry County. Green Park, an unincorporated village located in northeastern Tyrone Township, serves as Perry County’s midpoint between the Conococheague Mountain in the west and the Susquehanna River to the east.
The county terrain is formed by the folded Appalachian Mountain ridges which run from southwest to northeast across the county. The terrain slopes to the northeast, with its highest point on the Blue Mountain Ridge, which delineates the border between Perry and Cumberland counties. The ridge peaks at 0.83 miles (1.34 km) NE from Perry County’s southmost corner; it measures 2,269 ft (692 m) ASL. The county is drained by the south-flowing Susquehanna River, which forms almost all of its eastern boundary. The Juniata River enters Perry County from Juniata County near Millerstown, and flows southeast to its confluence with the Susquehanna River near Duncannon. The county also contains several creeks, runs, and lakes, which provide recreational and fishing opportunities, formerly powered mills throughout the county and provided transport venues. To this day, canoeing and kayaking are forms of recreation which utilise the Sherman Creek and other waters in the county.
The county has a total area of 556 square miles (1,440 km), of which 551 square miles (1,430 km) is land and 4.1 square miles (11 km) (0.7%) is water.
The Appalachian Trail runs through the town of Duncannon. The county is also famous for being the northern head of the Tuscarora Trail.
Perry County has a hot-summer humid continental climate (Dfa) and average monthly temperatures in New Bloomfield range from 28.5 °F in January to 73.2 °F in July. The hardiness zone is 6b except in Marysville where it is 7a. Archived 2021-06-18 at the Wayback Machine Common trees include red maple, Virginia pine, oak, eastern white pine, eastern hemlock, birch, shagbark hickory, and juniper, though American sycamore, ironwood, sugar maple, black walnut, elm, alder, and sassafras are also fairly common. Mosses of various species are common sights, especially on fallen tree logs, along streams, on tree trunks, and in sidewalk cracks, usually growing in shaded areas. Ferns also grow along streams and in shaded areas, and are also commonly seen in Perry County woodlands.
As of the 2000 United States Census, there were 43,602 people, 16,695 households, and 12,320 families in the county. The population density was 79.1 people per square mile (30.5 people/km). There were 18,941 housing units at an average density of 34.4 units per square mile (13.3/km). The racial makeup of the county was 98.54% White, 0.43% Black or African American, 0.12% Native American, 0.15% Asian, 0.01% Pacific Islander, 0.21% from other races, and 0.54% from two or more races. 0.69% of the population were Hispanic or Latino of any race. 45.8% were of German, 16.4% American, 7.8% Irish and 5.0% English ancestry. 96.8% spoke English and 1.2% Spanish as their first language.
There were 16,695 households, out of which 33.2% had children under the age of 18 living with them, 61.6% were married couples living together, 7.8% had a female householder with no husband present, and 26.20% were non-families. 21.7% of all households were made up of individuals, and 9.30% had someone living alone who was 65 years of age or older. The average household size was 2.58 and the average family size was 3.01. There is also a high population of Anabaptist communities, such as Amish and Mennonites.
The county population contained 25.5% under the age of 18, 7.4% from 18 to 24, 29.8% from 25 to 44, 25.1% from 45 to 64, and 12.3% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 98.4 males. For every 100 females age 18 and over, there were 96.9 males.
The United States Office of Management and Budget has designated Perry County as the Harrisburg-Carlisle, PA Metropolitan Statistical Area (MSA). As of the 2010 census the metropolitan area ranked 6th most populous in the State of Pennsylvania and the 96th most populous in the United States, with its population of 549,475. Perry County is also a part of the larger Harrisburg–York–Lebanon combined statistical area (CSA), which combines the populations of Perry County as well as Adams, Cumberland, Dauphin, Lebanon and York Counties in Pennsylvania. The Combined Statistical Area ranked 5th in the State of Pennsylvania and 43rd most populous in the United States with a population of 1,219,422.
(as of January 2020)
(as of January 2020)
The county’s emergency services are located in the basement of the Perry County Courthouse. The 911 center’s coverage area includes almost all of Perry County and portions of Juniata and Dauphin Counties.
In 2016, Donald J. Trump received 73.07% of the presidential vote, compared to 21.67% to Hillary Clinton, and 5.26% for candidates Gary Johnson, write-ins, Jill Stein, and Darrell L. Castle, respectively. The county has voted for the Republican in every presidential election since 1964. In 2006, Lynn Swann received 9,998 votes (69%) to 4,477 votes (31%) for Ed Rendell, making it Swann’s strongest county in his defeat. Rick Santorum also received more than 60% of the Perry County vote in his defeat.
The Capital Area Intermediate Unit 15 is a state approved education agency that offers to Perry County school districts, charter schools, private schools, and home school students, a variety of services including: a completely developed K-12 curriculum that is mapped and aligned with the Pennsylvania Academic Standards (available online), shared services, a joint purchasing program and a wide variety of special education and special needs services.
As reported on EdNA (ED Names and Addresses) by the Pennsylvania Department of Education:
The county is home to four weekly newspapers, three published by Advance Publications of Perry and Juniata Counties, Inc. associated with The Patriot-News of Harrisburg: Duncannon Record, The News-Sun, and Perry County Times. The Perry County Weekly is published by The Sentinel in Carlisle, Cumberland County, by Lee Enterprises of Davenport, Iowa.
There are numerous historical books written about the county, available at the Council of the Arts in Newport as well as other establishments. They cover various topics of the county’s past, including an historical overview of the Blain area; an account of the life of the early settlers along the Shermans Creek in three townships; and an account of a Civil War battle on Sterrett’s Gap.
Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and, in at most two cases, towns. The following boroughs and townships are located in Perry County:
The population ranking of the following table is based on the 2010 census of Perry County.
† county seat
Perry County’s economy is primarily agricultural. Various farmers markets, roadside stands, farm produce stands, food festivals, resale farm stands, meat stores, and plant nurseries are present throughout the county. Two farms in Perry County are particularly well known, which are Spiral Path Farm and Yeehaw Farm, with the latter having been spotlighted by the Washington Post. The county’s area is 38.3% farmland, of which 11.09% (thus 4.24% of all land in the county) is pastureland.
Perry County also hosts a wide range of non-agricultural businesses. Historically, mills were prevalent, and the county currently has 21 known non-operational mills still standing. Settlement was not allowed until 1755, and when settlement was allowed, it was not safe: in June 1755, Native Americans chased nearly all of the pioneers out, until it was considered safe to return in 1762. The first mill was taxed in 1763, though the exact date of its completion is not known.
Nearly every stream’s basin hosted a sawmill, providing wood for early buildings and boardwalks.
The county has a variety of recreation facilities. There are three state parks: Fowlers Hollow State Park, Little Buffalo State Park, and Big Spring State Forest Picnic Area. The Hoverter and Sholl Box Huckleberry Natural Area is found near New Bloomfield along Huckleberry Road. Carroll Township Park also offers a wide variety of athletic facilities.
Pools: Liverpool Pool (Jann Deitzler Memorial Pool), Millerstown Pool, New Bloomfield Pool, and Little Buffalo State Park Pool
Trails: Hawk Rock Trail and Iron Horse Trail
State Game Lands: #170 Dellville, #254 New Buffalo, #256-Mecks Corner and #281 Miller Township. Hunting requires licenses from the PA Game Commission.
40°24′N 77°16′W / 40.40°N 77.27°W
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.
