Owner Operator Insurance Requirements Bowling Green, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Bowling 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 Bowling Green, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Bowling 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
- 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.
Bowling Green is a city in and the county seat of Wood County, Ohio, United States, located 20 miles (32 km) southwest of Toledo. The population was 30,808 at the 2020 census. It is part of the Toledo Metropolitan Area and a member of the Toledo Metropolitan Area Council of Governments. Bowling Green is the home of Bowling Green State University.
Bowling Green was first settled in 1832, was incorporated as a town in 1855, and became a city in 1901. The village was named after Bowling Green, Kentucky, by a retired postal worker who had once delivered mail there.
In 1868 Bowling Green was designated as the county seat, succeeding Perrysburg.
With the discovery of oil in the area in the late 19th and early 20th century, Bowling Green enjoyed a boom to its economy. The results of wealth generated at the time can still be seen in the downtown storefronts, and along Wooster Street, where many of the oldest and largest homes were built. A new county courthouse was also constructed in the 1890s. The Neoclassical US post office was erected in 1913.
This period was followed by an expansion of the automobile industry. In late 1922 or early 1923, Coats Steam Car moved to the area and hired numerous workers. It eventually went out of business as the industry became centralized in Detroit, Michigan.
Bank robbers Pretty Boy Floyd and Billy the Killer encountered police in Bowling Green in April 1931. Their armed confrontation resulted in the death of Billy the Killer.
During World War II Italian and German prisoners of war were held nearby. They were used to staff the Heinz Tomato Ketchup factory in town. The ketchup factory closed in 1975.
A runaway freight train carrying hazardous liquids passed through Bowling Green in 2001, in what is known as the known as the CSX 8888 incident. It traveled more than 65 miles south of Toledo before being stopped by a veteran railroad worker near Kenton; he jumped into the train while it was moving. No one was hurt and there was no property damage in the incident.
According to the United States Census Bureau, the city has a total area of 12.61 square miles (32.66 km), of which 12.56 square miles (32.53 km) is land and 0.05 square miles (0.13 km) is water.
Bowling Green is within an area of land that was once the Great Black Swamp which was drained and settled in the 19th century. The nutrient-rich soil makes for highly productive farm land. Bowling Green, Ohio is in the North Western hemisphere at approximately 41.376132°N, -83.623897°W.
As of the census of 2010, there were 30,028 people, 11,288 households, and 4,675 families living in the city. The population density was 2,390.8 inhabitants per square mile (923.1/km). There were 12,301 housing units at an average density of 979.4 per square mile (378.1/km). The racial makeup of the city was 87.6% White, 6.4% African American, 0.2% Native American, 2.1% Asian, 1.4% from other races, and 2.2% from two or more races. Hispanic or Latino of any race were 4.8% of the population.
There were 11,288 households, of which 18.9% had children under the age of 18 living with them, 30.7% were married couples living together, 7.5% had a female householder with no husband present, 3.2% had a male householder with no wife present, and 58.6% were non-families. 35.8% of all households were made up of individuals, and 7.2% had someone living alone who was 65 years of age or older. The average household size was 2.16 and the average family size was 2.82.
The median age in the city was 23.2 years. 12.8% of residents were under the age of 18; 43.2% were between the ages of 18 and 24; 19.5% were from 25 to 44; 15.7% were from 45 to 64; and 8.9% were 65 years of age or older. The gender makeup of the city was 48.0% male and 52.0% female.
As of the census of 2000, there were 29,636 people, 10,266 households, and 4,434 families living in the city. The population density was 2,919 inhabitants per square mile (1,127.0/km). There were 10,667 housing units at an average density of 1,050.6 per square mile (405.6/km). The racial makeup of the city was 91.84% White, 2.82% African American, 0.21% Native American, 1.83% Asian, 0.02% Pacific Islander, 1.81% from other races, and 1.46% from two or more races. Hispanic or Latino of any race were 3.48% of the population.
There were 10,266 households, out of which 20.2% had children under the age of 18 living with them, 33.2% were married couples living together, 7.5% had a female householder with no husband present, and 56.8% were non-families. 34.3% of all households were people living alone, including 7.0% who were 65 years of age or older. The average household size was 2.21, and the average family size was 2.84.
In the city, the population was spread out, with 13.1% under the age of 18, 46.6% from 18 to 24, 19.5% from 25 to 44, 13.2% from 45 to 64, and 7.6% who were 65 years of age or older. The median age was 22 years. For every 100 females, there were 87.9 males. For every 100 females age 18 and over, there were 85.4 males.
The median income for a household in the city was $30,599, and the median income for a family was $51,804. Males had a median income of $33,619 versus $25,364 for females. The per capita income for the city was $15,032. About 8.0% of families and 25.3% of the population were below the poverty line, including 12.8% of those under age 18 and 4.8% of those age 65 or over.
Every September, the Black Swamp Arts Festival takes place in Bowling Green. Started in 1993, the festival has grown in size and prestige.
The name Black Swamp was chosen for the festival because it is a common term for this area of the state. The Great Black Swamp, which was drained near the end of the 1800s to make farming possible, extended from Lake Erie to Indiana. It was the last area of Ohio to be settled. Bowling Green is the largest city now in the remnants of this vast wetland.
Main Street is closed to traffic for the festival, and artists from around the country display and sell a variety of artwork. There are also musical performances, children’s activities, and food. The festival has grown to include over 100 juried artists, 50 local/invitational artists, four live music stages, youth arts, acts of art, and concessions. Numerous types of music, including blues, jazz, and rock, are heard from the main stage. The Festival has a reputation for booking a diverse and entertaining musical line up. The Main Stage features national and international touring bands of all genres. The Black Swamp Arts Festival attracts 40,000 art and music fans to Bowling Green.
Bowling Green has hosted the National Tractor Pulling Championships since 1967. This annual event, one of the largest in the nation, is held at the Wood County Fairgrounds and draws an estimated 60,000 people. The Fairgrounds is located along Poe Road between Haskins Road (State Route 64) and Brim Road.
Every year Bowling Green hosts the Wood County Fair, a week-long festival that begins shortly before or after the end of July. The fairgrounds are located off Poe Road between Haskins and Brim roads. Main Events include: Tractor Pull, Altered Farm stock Tractor Pull, Antique Tractor Pull, Mule Pull, Semi-Truck Pull, Youth Parade, Demolition/Combine Derby, Catch-a-pig, Cheerleading Competition, Harness Racing, and the annual Country Music Concert. Another special event is quilt day. Special Days like Senior Citizen day or DARE day allow discounted tickets.
Country singers who have performed at the Wood County Fair:
Similar to other winter cities, Bowling Green hosts an annual event for three days in February to celebrate winter, snow, and cold weather activities. Winterfest in Bowling Green centers around the rich ice skating and ice hockey traditions of the town. Winterfest events are held all over Bowling Green, and on and off the campus of Bowling Green State University. Notable events include curling, carriage rides, ice sculptures, and live entertainment, plus BGSU Athletic events such as hockey and basketball games and figure skating exhibition with local stars such as Scott Hamilton.
Public elementary schools of the Bowling Green City School District include
Kenwood Elementary, Conneaut Elementary and Crim Elementary. Ridge Elementary was closed in 2013 and Milton Elementary was closed in 2011. Two private primary schools, Bowling Green Christian Academy and the Montessori School of Bowling Green, and one parochial, St. Aloysius, also call Bowling Green home. The Bowling Green Early Childhood Learning Center (Montessori) offers kindergarten and Plan, Do and Talk goes up to grade three.
Ohio’s first utility-sized wind farm is located along U.S. Route 6 just west of the city limits. There are four turbines that are each 257 feet (78 m) tall. These turbines generate up to 7.2 megawatts of power, which is enough to supply electricity for some 3,000 residents. Located about six miles (10 km) from the city, the turbines can be seen for miles and have become a local attraction. At the site of the turbines, a solar-powered kiosk provides information for visitors, including current information on wind speeds and the amount of energy being produced by the turbines.
Through the city’s Municipal Utilities office, residents can request that their power come from green energy. As of March 1, 2014, the current power cost premium is $.007 per KWH.
However, Bowling Green’s green credentials were damaged in 2008, when the city signed a power contract with AMP-Ohio to help build a 960-megawatt coal-fired power plant in Meigs County, Ohio. Several large environmental groups, including Sierra Club, the Natural Resources Defense Council, and the Ohio Environmental Council, opposed the building of a coal-fired power plant due to the pollution it would cause. In late 2009, AMP canceled the project, citing an estimated 37% increase in cost to more than $3 billion.
In January 2017 a new 165 acre, 20 megawatt solar plant began operation on the edge of the city. The plant experienced a slight disruption from the solar eclipse of August 21, 2017.
LifeFormations, a mechatronics company, is based in Bowling Green. They have made animatronics based on licensed properties such as Shrek for theme parks such as Universal Studios Florida.
Lubrizol maintains a soap and surfactant production plant in Bowling Green. The Bowling Green plant opened in 1994 and was expanded in 2013.
Aliquantum International maintains a sales office in Bowling Green. The company licences characters from the Japanese company San-X for local markets, such as Rilakkuma.
Poggemeyer Design Group, an architecture and engineering firm, maintains its headquarters in Bowling Green.