Owner Operator Insurance Cost Gahanna, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Gahanna, 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 Gahanna, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Gahanna, 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.
Gahanna ( gə-HAN-ə) is a city situated in northeast Franklin County, Ohio, United States. It is a suburb of Columbus. The population was 35,726 at the 2020 census. It was founded in 1849.
Gahanna was founded along the Big Walnut Creek in 1849 by John Clark of Ross County from 800 acres (320 ha) of land that his father, Joseph Clark, had purchased from Governor Worthington in 1814. Clark named his property the Gahanna Plantation, from which the City of Gahanna derives its name. The name Gahanna is derived from a Native American word for three creeks joining into one and is the former name of the Big Walnut Creek. The City of Gahanna’s Official Seal refers to this confluence of three creeks with the inscription “Three In One”.
Gahanna maintained a considerable rivalry with the adjacent village of Bridgeport. Located directly across Granville Street from Gahanna and also along the banks of the Big Walnut Creek, Bridgeport was founded in 1853 by Jesse Baughman, a former Franklin County Commissioner. The two villages eventually put aside their differences and merged into one. They adopted the name Gahanna as there was already another village in Ohio called Bridgeport. In March 1881, 55 citizens of Gahanna petitioned Franklin County to incorporate the village. The incorporation was granted in June and was recorded on August 8, 1881. The now-incorporated village then held its first mayoral election and on October 6, 1881, swore in its first mayor, L. John Neiswander.
On January 7, 1994, United Express Flight 6291 crashed in Gahanna, killing five of the eight people on board.
Gahanna is located at 40°1′36″N 82°52′9″W / 40.02667°N 82.86917°W (40.026713, −82.869131). Cities and Townships that border Gahanna:
In addition, several small “islands” of Jefferson Township are located entirely within the boundaries of the city.
According to the United States Census Bureau, the city has a total area of 12.60 square miles (32.63 km), of which 12.43 square miles (32.19 km) is land and 0.17 square miles (0.44 km) is water.
Big Walnut Creek has a significant impact on the geography of Gahanna associated with its tributaries Rocky Fork Creek and Sycamore Run.
The median income for a household in the city was $72,813, and the median income for a family was $85,348. Males had a median income of $51,391 versus $35,922 for females. The per capita income for the city was $29,040. About 2.2% of families and 3.7% of the population were below the poverty line, including 4.1% of those under age 18 and 4.4% of those age 65 or over.
As of the census of 2010, there were 33,248 people, 13,037 households, and 9,151 families residing in the city. The population density was 2,674.8 inhabitants per square mile (1,032.7/km). There were 13,577 housing units at an average density of 1,092.3 per square mile (421.7/km). The racial makeup of the city was 82.1% White, 11.2% African American, 0.2% Native American, 3.1% Asian, 0.9% from other races, and 2.4% from two or more races. Hispanic or Latino of any race were 2.6% of the population.
There were 13,037 households, of which 35.6% had children under the age of 18 living with them, 55.1% were married couples living together, 11.5% had a female householder with no husband present, 3.6% had a male householder with no wife present, and 29.8% were non-families. Of all households, 24.4% were made up of individuals, and 8.7% had someone living alone who was 65 years of age or older. The average household size was 2.54 and the average family size was 3.04.
The median age in the city was 39.4 years. 25.3% of residents were under the age of 18; 7.2% were between the ages of 18 and 24; 25.4% were from 25 to 44; 30.3% were from 45 to 64, and 11.7% were 65 years of age or older. The gender makeup of the city was 47.9% male and 52.1% female.
As of the census of 2000, there were 32,636 people, 11,990 households, and 8,932 families residing in the city. The population density was 2,632.8 people per square mile (1,016.2/km). There were 12,390 housing units at an average density of 999.5 per square mile (385.8/km). The racial makeup of the city was 86.46% White, 8.14% African American, 0.20% Native American, 3.25% Asian, 0.03% Pacific Islander, 0.48% from other races, and 1.44% from two or more races. Hispanic or Latino of any race were 1.32% of the population.
There were 11,990 households, out of which 40.4% had children under the age of 18 living with them, 62.4% were married couples living together, 9.2% had a female householder with no husband present, and 25.5% were non-families. Of all households, 20.9% were made up of individuals, and 6.6% had someone living alone who was 65 years of age or older. The average household size was 2.70 and the average family size was 3.17.
In the city, the population was spread out, with 28.9% under the age of 18, 6.5% from 18 to 24, 31.7% from 25 to 44, 24.3% from 45 to 64, and 8.7% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 94.2 males. For every 100 females age 18 and over, there were 90.4 males.
The city of Gahanna is in the Gahanna-Jefferson Public School District. The school colors are blue and gold. Gahanna has seven elementary schools, three middle schools, and only one high school: Lincoln High School. However, there are also several private education options, including the Columbus Academy, located on Cherry Bottom Road, and Gahanna Christian Academy, on N.Hamilton Road, as well as various parochial schools.
In recent years, Gahanna has worked hard at revitalizing the downtown “Olde Gahanna” section of the city. In October 2004, Gahanna’s new Creekside Gahanna redevelopment and park extension project began, making way for everything from public spaces and restaurants to residences and office space. As of late 2007, the project businesses began to open. The area includes a 389-space public parking garage. The multimillion-dollar project is expected to bring in up to 150 new residents as well as bolster tourism to the area.
Gahanna also has an aggressive brownfields assessment and redevelopment program that includes the development of a community-wide brownfields inventory, the cleanup of a major abandoned landfill, and city-initiated assessments and demolition of abandoned or environmentally suspect properties.
The largest brownfields redevelopment project to date is the closure of the Bedford I Landfill, completed in late 2007. The closure was a result of a 2005 public-private development partnership with private firm Value Recovery Group, of Columbus, Ohio, and non-profit Central Ohio Community Improvement Corporation to remediate and redevelop the abandoned Bedford I Landfill. The 200-acre (0.81 km) site was transformed into Central Park of Gahanna, a major greenfield development campus that features a golf academy known as The Golf Depot. The City of Gahanna and Value Recovery Group, which owns nearly 60 acres of the developable land, have been working to attract recreational, brewing industry, and office development and continue to solicit development opportunities. Funding for this major project included $3,000,000 from the Clean Ohio Redevelopment Fund, $200,000 from the US EPA, $150,000 from the Community Development Block Grant program, significant assistance with assessment, stormwater remediation, and staff time from Gahanna, and other investments by the Central Ohio CIC.
Gahanna was listed as #96 of the Top 100 Best Places to Live in 2007 by Money magazine.
Gahanna is one of the closest cities to John Glenn Columbus International Airport and has direct road access to the airport through U.S. Route 62, which eventually runs concurrently with Interstate 670 to provide access to the airport.
Road access to Gahanna is provided by US 62 and Interstate 670. In addition, both roads are accessible through the Columbus Outerbelt (Interstate 270), which runs between the city and John Glenn Airport. Ohio State Route 317 also runs through downtown Gahanna as the main north-south road. Public transport to and from Gahanna is accessed through COTA, which runs bus lines 24 and 25 through downtown.
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.
