Owner Operator Insurance Cost Fernwood, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Fernwood, 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 Fernwood, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Fernwood, 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.
Delaware County, colloquially referred to as Delco, is a county in the Commonwealth of Pennsylvania. With a population of 576,830 as of the 2020 census, it is the fifth-most populous county in Pennsylvania and the third-smallest in area. The county was created on September 26, 1789, from part of Chester County and named for the Delaware River.
Delaware County is part of the Delaware Valley and borders Philadelphia, the nation’s sixth-most populous city, to its northeast. It also is adjacent to the city-county of Philadelphia County and is included in the Philadelphia–Camden–Wilmington, PA–NJ–DE–MD metropolitan statistical area known as the Delaware Valley. Its county seat is Media.
Delaware County lies in the river and bay drainage area named “Delaware” in honor of Thomas West, 3rd Baron De La Warr, Governor of the nearby English colony of Virginia. The land was explored by Henry Hudson in 1609, and over the next several decades it was variously claimed and settled by the Swedes, the Dutch, and the English. Its original human inhabitants were the Lenape tribe of American Indians.
Once the Dutch were defeated and the extent of New York was determined, King Charles II of England made his grant to William Penn to found the colony which came to be named Pennsylvania. Penn divided his colony into three counties: Bucks, Philadelphia, and Chester. The riverfront land south of Philadelphia, being the most accessible, was quickly granted and settled. In 1789, the southeastern portion of Chester County was divided from the rest and named Delaware County for the Delaware River.
According to the U.S. Census Bureau, the county has a total area of 191 square miles (490 km), of which 184 square miles (480 km) is land and 6.8 square miles (18 km) (3.5%) is water. It is the third-smallest county in Pennsylvania by area.
Delaware County is roughly diamond- or kite-shaped, with the four sides formed by the Chester County boundary to the northwest, the boundary with the state of Delaware, a portion of the “Twelve-Mile Circle”) to the southwest, the Delaware River, forming the border with the state of New Jersey) to the southeast, and the city of Philadelphia and Montgomery County to the east and northeast.
The lowest point in the state of Pennsylvania is located on the Delaware River in Marcus Hook in Delaware County, where it flows out of Pennsylvania and into Delaware. The highest point in Delaware County is 500 feet at two points southeast of Wyola in Newtown Township.
Waterways in Delaware County generally flow in a southward direction and ultimately drain into the Delaware River. The waterways are, from west to east: the Brandywine River (forming a portion of the county’s western boundary with Chester County), Naaman’s Creek, Stoney Creek, Chester Creek, Ridley Creek, Crum Creek, Muckinipates Creek, Darby Creek and Cobbs Creek (forming a portion of the county’s eastern boundary with Philadelphia). Crum Creek was dammed in 1931 near Pennsylvania Route 252 to fill Springton Lake (also known as Geist Reservoir), an approximately 391-acre (1.58 km) drinking water reservoir maintained by Aqua America, the county’s largest lake.
The Trainer Refinery and the Port of Chester are located along the shores of the Delaware River.
Delaware County is one of four counties in the United States to border a state with which it shares the same name (the other three are Nevada County, California, Texas County, Oklahoma, and Ohio County, West Virginia).
2,600 acres (11 km) of the county are occupied by the Ridley Creek State Park.
As of the 2020 census, the county was 63% White non-Hispanic, 22% Black or African American, 0.1% Native American or Alaskan Native, 6.3% Asian, 4.6% Hispanic or Latino, 0.1% Native Hawaiian, and 3.5% were two or more races.
As of the 2000 census, there were 550,864 people, 206,320 households, and 139,472 families residing in the county. The population density was 2,990 inhabitants per square mile (1,150/km). There were 216,978 housing units at an average density of 1,178 per square mile (455/km). The racial makeup of the county was 80.3% White, 14.5% African American, 0.1% Native American, 3.3% Asian, <0.1% Pacific Islander, 0.6% from other races, and 1.2% from two or more races. 1.5% of the population were Hispanic or Latino of any race. 24.6% were of Irish, 17.5% Italian, 10.1% German and 6.7% English ancestry.
There were 206,320 households, out of which 31.5% had children under the age of 18 living with them, 50.8% were married couples living together, 12.9% had a female householder with no husband present, and 32.4% were non-families. 27.6% of all households were made up of individuals, and 11.6% had someone living alone who was 65 years of age or older. The average household size was 2.56 and the average family size was 3.17.
In the county, the population was spread out, with 24.8% under the age of 18, 8.9% from 18 to 24, 28.8% from 25 to 44, 21.9% from 45 to 64, and 15.6% who were 65 years of age or older. The median age was 37 years. For every 100 females there were 91.2 males. For every 100 females age 18 and over, there were 86.9 males.
The median income for a household in the county was $50,092, and the median income for a family was $61,590. Males had a median income of $44,155 versus $31,831 for females. The per capita income for the county was $25,040. About 5.8% of families and 8.0% of the population were below the poverty line, including 10.0% of those under age 18 and 7.1% of those age 65 or over.
Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and exactly one town. There are 49 municipalities in Delaware County:
Census-designated places are geographical areas designated by the U.S. Census Bureau for the purposes of compiling demographic data. They are not actual jurisdictions under Pennsylvania law. Other unincorporated communities, such as villages, may be listed here as well.
The population ranking of the following table is based on the 2010 census of Delaware County.
† county seat
The county has operated under a home-rule charter with five at-large council-members since 1972.
As of November 7, 2022, there are 415,207 registered voters in Delaware County.
Until the 1990s, Delaware County was regarded as a strongly Republican county. The Delaware County Republican political machine was controlled by William McClure and his son John J. McClure from 1875 to 1965. Delaware County voted for the Republican candidate all but once from 1860 through 1988, with the exception being Lyndon Johnson’s national landslide of 1964. As a measure of how Republican the county was, Franklin Roosevelt was completely shut out in all four of his successful campaigns for president. Even in his 46-state landslide victory of 1936, Roosevelt only got 45 percent of Delaware County’s vote.
In 1992, however, the county swung from a 21-point win for George H. W. Bush to a narrow one-point win for Bill Clinton, who became only the second Democrat to win the county in the 20th century. Clinton won it just under 10 points in 1996, coming up just short of a majority. The county has gone Democratic in every Presidential election since then by 10 points or more by progressively-increasing margins. In the 2004 election Democratic presidential candidate John Kerry won the county by 14 points. Barack Obama won it by large 21-point margins in each of his bids for president. Hillary Clinton carried it by 22 points in 2016. Joe Biden carried it in 2020 with 62 percent of the vote, his second-strongest performance in Pennsylvania. Donald Trump turned in the worst showing for a Republican in the county in over 160 years.
Driving the county’s Democratic shift have been longstanding trends in voter registration advantage and demographics. In 1998, Republicans held a voter registration advantage of about 125,000, but by 2008 that advantage had shrunk to under 20,000 voters. As of the November 2021 election, Democrats enjoyed a voter registration advantage of 50,000. Propelling and compounding the voter registration shift has been a change in demographics in the county. Since the 2000 Census, the White population of the county has decreased from 80.3% to 68.5% as of the 2020 Census, while, the Black population has risen from 14.5% to 22.7%, driven by the gentrification of Philadelphia and University City neighborhood and rapid demographic shift in Upper Darby. Further increasing the shift has been the change in education level demographics in the county, as voters have become more college educated and white collar (and, in turn, less blue collar) over the past few decades.
While the longstanding Republican registration edge has been erased, Republicans still remain competitive with Democrats at the state and local level. Most Republicans from the county tend to be fiscally conservative and socially moderate, as is the case with Republicans from most suburban Philadelphia counties. In the 2004 US Senate election, Republican Arlen Specter defeated Joe Hoeffel but Democrat Bob Casey, Jr. defeated Rick Santorum in the 2006 Senate election. All three Democratic state row office candidates carried it in 2008. In 2016, Delaware County elected all Democrats in national office elections except Republican Patrick Meehan (U.S. Representative).
After the election of Donald Trump in 2016, the county rapidly shifted blue as a result of increased Democratic turnout and less enthusiasm from often less conservative suburban Republicans. In the 2019 elections for the Delaware County Council, Democrats swept the board and elected Monica Taylor, Elaine P. Schaefer, and Christine Reuther, gaining control of the county Council for the first time since the Civil War. This was the first time in history that the county had an all-Democratic Council.
As of 2020, all of Delaware County is located in the state’s 5th congressional district, represented by Democrat Mary Gay Scanlon. Prior to 2019, most of Delaware County had been in the 7th congressional district. The district had been held for 20 years by Republican Curt Weldon until he was ousted by Joe Sestak, a retired admiral, in the 2006 U.S. House of Representatives election. Also in the 2006 election, Democrat Bryan Lentz unseated Republican incumbent State Representative Tom Gannon in the 161st House district. In 2010 Sestak ran for the senate seat vacated by Arlen Specter and was replaced by Republican Pat Meehan, who defeated Lentz, the Democratic candidate. Lentz was replaced in the State House by Joe Hackett, a Republican. Meehan represented the 7th district until his resignation on April 27, 2018. Before it was thrown out by a Pennsylvania Supreme Court decision in 2018, the 7th Congressional District had been regarded one of the most irregularly drawn districts in the nation.
As of March 2, 2022:
Row officers, a term unique to Pennsylvania, are a conglomeration of elected officials defined by Article IX, Section 4 of the Pennsylvania Constitution. This unit of officers includes the position of controller, District Attorney, treasurer, sheriff, register of wills, recorder of deeds, prothonotaries, clerks of the court, and the coroner. It is thought that this term originated because these positions were arranged in a row on a typical ballot.
As of July 23, 2021:
As of July 23, 2021:
As of March 2, 2022:
The George W. Hill Correctional Facility (Delaware County Prison) is located in Thornbury Township. The jail houses pre-trial inmates and convicted persons who are serving sentences of no longer than two years less one day. It is operated by Delaware County.
School districts include:
Note that Delaware County Technical High School takes students from all of the county.
In 1963 the Roman Catholic Archdiocese of Philadelphia had 48 Catholic K-8/elementary schools in Delaware County with a total of 39,695 students, which was the highest ever enrollment. From 1971 to 2012, 20 of these schools closed, with ten of them closing from 2003 to 2012. By 2012 there were 28 Catholic K-8/elementary schools in Delaware County with a total of 8,291 students. One notable private school is Friends School Haverford.
Delaware County is bisected north to south by Blue Route Interstate 476, which connects I-76 just north of the extreme northern corner of the county to I-95, which parallels the Delaware River along the southeastern edge of the county.
Delaware County is home to SEPTA’s 69th Street Terminal in Upper Darby, and is served by the Norristown High Speed Line (P&W), two Red Arrow trolley lines
(Routes 101 and 102),
four Regional Rail Lines (the Airport Line, Wilmington/Newark Line, Media/Wawa Line, and Paoli/Thorndale Line), and a host of bus routes.
The western portion of Philadelphia International Airport is located in Delaware County, and the county hosts some airport-related commerce such as Philadelphia’s UPS terminal and airport hotels.
There is one Pennsylvania state park in Delaware County:
County parks include:
Harrah’s Philadelphia is a harness racing track and casino (i.e., “racino”) located on the Chester, Pennsylvania waterfront. It is owned by Vici Properties and operated by Caesars Entertainment.
The city of Chester is home to the Philadelphia Union of Major League Soccer. The team plays at Subaru Park, a venue located at the base of the Commodore Barry Bridge.
Delaware County is the traditional home of women’s professional soccer in the Philadelphia area. The former Philadelphia Charge of the defunct Women’s United Soccer Association played at Villanova Stadium, which is located on the campus of Villanova University. The Philadelphia Independence of Women’s Professional Soccer succeeded the Charge and played at Widener University’s Leslie Quick Stadium in 2011.
Delaware County is the home of one of oldest baseball leagues in the country, the Delco League, which at one time was known for featuring future, former, and even current major league players who were offered more money than their current teams would pay them.
Every summer, Delaware County is home to the Delco Pro-Am, a basketball league consisting of current, future, and former NBA players as well as local standout players.
Delaware County is also the former home of a rugby league team called the Aston Bulls, a member of the American National Rugby League.
Darby was home to the Hilldale Club, the 1925 Colored World Series Champions.
The county itself is serviced by several newspapers, most notably the News of Delaware County, the Delaware County Daily Times, The Suburban and Wayne Times, and The Spirit, the only minority owned newspaper serving Delaware County. The Philadelphia Inquirer also has a significant presence, reflecting Philadelphia’s influence on Delaware County and the rest of the metro. Delaware County Magazine is the news magazine with the largest circulation in Delaware County, reaching over 186,000 homes.
Delaware County has two physical geographic regions: the Piedmont and the Atlantic Coastal Plain, Most of the county has a humid subtropical climate (Cfa) while some higher northern areas have a hot-summer humid continental climate (Dfa.). The hardiness zones are 7a and 7b.
39°55′N 75°24′W / 39.92°N 75.40°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.
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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.