Owner Operator Insurance Cost Green, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Green, 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 Green, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Green, 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
- 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.
Green is a city in southeastern Summit County, Ohio, United States. The population was 27,475 at the 2020 census. It is a suburban community between Akron and Canton and is part of the Akron metropolitan area.
Green Township was first created in 1809 as part of Stark County. Green Township became part of Summit County after that county’s establishment in 1840. Green had several unincorporated hamlets, most notably Greensburg. By 1900, five unincorporated settlements were in Green Township, surrounded by farmlands with valuable crops and areas of coal. The local economy transitioned from farming to business and manufacturing. By 1950, farmers began to sell their lands to developers for residential housing. The increased development in the community led to discussions about becoming a city. Voters approved the merger of the village with the rest of the township in 1991. In the beginning of 1991, Green Township was incorporated as the Village of Green. The village was declared a city in 1992, with the first city mayor being John Torok.
The City of Green is also notable for its legal battle against the NEXUS Pipeline, which runs dangerously close to residential neighborhoods, endangered wetlands, and the Comet Lake Dam. Construction began in 2018 after a settlement of $7.5 million was reached with the city’s government.
The flag of Green was created as a result of a contest targeted towards school-age residents, due to similar design there was a tie between two creators, Matt Pitzo and Justin Callahan. The motto for the city was created by Carrie West, “A township from the past, a city of the future.” The flag can be viewed at Boettler Park on Massillon Road, along with the CAB (Central Administration Building), and Akron General also on Massillon Road.
Green is at (40.956719, -81.481218).
According to the United States Census Bureau, the city has a total area of 33.54 square miles (86.87 km), of which 32.06 square miles (83.04 km) is land and 1.48 square miles (3.83 km) is water.
The city has no unique postal ZIP code. It is served by the Green post office, but only post office boxes are served by this ZIP code (44232). No street addresses in Green have this ZIP code, Green street addresses are served by 5 different post offices:
Green’s neighbors are:
As of the census of 2010, there were 25,699 people, 10,070 households, and 7,217 families residing in the city. The population density was 801.6 inhabitants per square mile (309.5/km). There were 10,858 housing units at an average density of 338.7 per square mile (130.8/km). The racial makeup of the city was 95.0% White, 1.8% African American, 0.2% Native American, 1.5% Asian, 0.2% from other races, and 1.2% from two or more races. Hispanic or Latino of any race were 1.2% of the population.
There were 10,070 households, of which 33.5% had children under the age of 18 living with them, 57.5% were married couples living together, 10.0% had a female householder with no husband present, 4.3% had a male householder with no wife present, and 28.3% were non-families. 23.9% of all households were made up of individuals, and 9.9% 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 3.02.
The median age in the city was 41.8 years. 24.1% of residents were under the age of 18; 7.6% were between the ages of 18 and 24; 23.1% were from 25 to 44; 30.7% were from 45 to 64; and 14.5% were 65 years of age or older. The gender makeup of the city was 48.7% male and 51.3% female.
As of the census of 2000, there were 22,817 people, 8,742 households, and 6,425 families residing in the city. The population density was 711.7 inhabitants per square mile (274.8/km). There were 9,180 housing units at an average density of 286.3 per square mile (110.5/km). The racial makeup of the city was 97.52% White, 0.72% African American, 0.15% Native American, 0.78% Asian, 0.02% Pacific Islander, 0.12% from other races, and 0.69% from two or more races. Hispanic or Latino of any race were 0.49% of the population.
There were 8,742 households, out of which 34.2% had children under the age of 18 living with them, 61.3% were married couples living together, 8.9% had a female householder with no husband present, and 26.5% were non-families. 22.1% of all households were made up of individuals, and 7.9% had someone living alone who was 65 years of age or older. The average household size was 2.59 and the average family size was 3.05.
In the city, the population was spread out, with 26.1% under the age of 18, 6.7% from 18 to 24, 28.5% from 25 to 44, 26.2% from 45 to 64, and 12.6% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 97.6 males. For every 100 females age 18 and over, there were 94.0 males.
The median income for a household in the city was $54,133, and the median income for a family was $61,662. Males had a median income of $45,456 versus $28,725 for females. The per capita income for the city was $25,575. About 4.2% of families and 5.0% of the population were below the poverty line, including 7.5% of those under age 18 and 4.7% of those age 65 or over.
According to Green’s 2017 Comprehensive Annual Financial Report, the largest employers in the city at the time were:
Federally, Green is represented in the United States Senate by Ohio Senators Sherrod Brown (D) and J. D. Vance (R). They are represented in the United States House of Representatives by Congresswoman Emilia Sykes (D).
In the Ohio Senate, Green is represented by Republican Kristina Roegner. Bob Young (R) represents Green in the Ohio House of Representatives. Young is a former City Council member from Green.
The City of Green is governed by a mayor and a 7-member city council. The mayor and three members of Council are elected at-large, while four council members are elected from wards. The mayor and all council members are limited to two consecutive, four-year terms. As of 2023, the mayor is Gerard Neugebauer.
As of 2023, the members of city council are:
Former and current mayors of the City of Green include John Torok (1992-1998), Freda Hunter Bates (1998-1998), Brenda Fargo (1998-1999), Dan Croghan (2000-2008), Dick Norton (2008-2016), and Gerard Neugebauer (2016-present).
In 2019, residents voted to change the administration’s Law Director position from an appointed position to an elected position. Green’s first elected Law Director, Lisa Carey Dean, took office in 2020.
The Akron-Canton Regional Airport is located mostly in the city of Green, although a small part extends into Jackson Township in Stark County. Singer Lake Bog is also located nearby.
Green became a sister city with Beiuș, Romania in 2018.
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.