Owner Operator Insurance Requirements Chapmanville, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Chapmanville, 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 Chapmanville, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Chapmanville, 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.
Venango County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 50,454. Its county seat is Franklin. The county was created in 1800 and later organized in 1805.
Venango County comprises the Oil City, PA micropolitan statistical area. It is part of the Pittsburgh media market.
Shortly afterward, Rogers met oil pioneer Charles Pratt, who purchased the entire output of the tiny Wamsutta Oil Refinery. In 1867, Rogers joined Pratt in forming Charles Pratt and Company, which was purchased by Standard Oil in 1874. Rogers became one of the key men in John D. Rockefeller’s Standard Oil Trust.
Venango County was created on March 12, 1800, from parts of Allegheny and Lycoming Counties. The name “Venango” is derived from the Native American name of the region, Onenge, meaning Otter. This was corrupted in English as the Venango River. The settlement at its mouth was likewise called Venango, which since March 3, 1871, has been the South Side of Oil City.
Venango County was home to an oil boom in the years following discovery of natural oil (petroleum) in the mid-1850s.
George Bissell, a Yale University chemistry professor, and Edwin L. Drake, a former railroad conductor, made the first successful use of a drilling rig on August 28, 1859, near Titusville. (Although Titusville is in Crawford County, the first oil well was drilled outside of town, less than a mile inside of the Venango County boundary) This single well soon exceeded the entire cumulative oil output of Europe since the 1650s. Within weeks, oil derricks were erected all over the area. Other oil boom towns located in Venango County included Franklin, Oil City, and the now defunct Pithole City. The principal product of the oil was kerosene.
McClintocksville was a small community in Cornplanter Township in Venango County. In 1861, it was the location of Wamsutta Oil Refinery, the first business venture of Henry Huttleston Rogers, who became a leading United States capitalist, businessman, industrialist, financier, and philanthropist. Rogers and his young wife Abbie Palmer Gifford Rogers lived in a one-room shack there along Oil Creek for several years beginning in 1862.
After joining Standard Oil, Rogers invested heavily in various industries, including copper, steel, mining, and railways. The Virginian Railway is widely considered his final life’s achievement. Rogers amassed a great fortune, estimated at over $100 million, and became one of the wealthiest men in the United States. He was also a generous philanthropist, providing many public works for his hometown of Fairhaven, Massachusetts, and financially assisting helping such notables as Mark Twain, Helen Keller, and Dr. Booker T. Washington.
Perhaps in one of history’s ironies, another resident of Venango County about the same time as Henry and Abbie Rogers was a little girl named Ida M. Tarbell, whose father was an independent producer whose small business was ruined by the South Improvement Company scheme of 1871 and the conglomerate which became Standard Oil. Introduced to each other in 1902 by their mutual friend Twain, Tarbell, who had become an investigative journalist and Rogers, who knew of her work, shared meetings and information over a two-year period which led to her epoch work, The History of the Standard Oil Company, published in 1904, which many historians feel helped fuel public sentiment against the giant company and helped lead to the court-ordered break-up of it in 1911.
The oil heritage of Venango County is commemorated by a Pennsylvania State Park and many heritage sites which help tell the story and memorialize the people of the oil boom of the late 19th and early 20th centuries.
According to the U.S. Census Bureau, the county has a total area of 683 square miles (1,770 km), of which 674 square miles (1,750 km) is land and 8.6 square miles (22 km) (1.3%) is water.
French Creek is formed near French Creek, New York and extends for a length of 117 miles (188 km) with a drainage area of 1,270 square miles (3,300 km). It joins the Allegheny River near Franklin. The watershed area includes parts of Erie, Crawford, Venango, and Mercer Counties in Pennsylvania as well as Chautauqua County, New York.
As of the census of 2000, there were 57,565 people, 22,747 households, and 15,922 families residing in the county. The population density was 85 people per square mile (33 people/km). There were 26,904 housing units at an average density of 40 units per square mile (15/km). The racial makeup of the county was 97.64% White, 1.09% Black or African American, 0.18% Native American, 0.23% Asian, 0.02% Pacific Islander, 0.17% from other races, and 0.67% from two or more races. 0.52% of the population were Hispanic or Latino of any race. 43.9% English or Welsh, 12.5% were of German, 11.1% American, 9.9% Irish, 8.3% Scotch-Irish, 2.8% Dutch, 2.1% Italian, and 1.6% French ancestry.
There were 22,747 households, out of which 30.40% had children under the age of 18 living with them, 55.80% were married couples living together, 9.90% had a female householder with no husband present, and 30.00% were non-families. 26.20% of all households were made up of individuals, and 12.50% had someone living alone who was 65 years of age or older. The average household size was 2.45 and the average family size was 2.93.
In the county, the population was spread out, with 24.20% under the age of 18, 7.20% from 18 to 24, 26.70% from 25 to 44, 25.10% from 45 to 64, and 16.80% who were 65 years of age or older. The median age was 40 years. For every 100 females there were 95.40 males. For every 100 females age 18 and over, there were 92.10 males.
The United States Office of Management and Budget has designated Venango County as the Oil City, PA Micropolitan Statistical Area (µSA). As of the 2010 U.S. Census the micropolitan area ranked 9th most populous in the State of Pennsylvania and the 182nd most populous in the United States with a population of 54,984.
Venango County has long been predominantly Republican. Only twice since the Civil War has the county selected a Democratic presidential candidate, and only Lyndon B. Johnson in his 1964 landslide has gained an absolute majority for the Democratic Party. In 1984, Venango County actually voted fractionally more Democratic than the nation at-large due to hostility towards Reaganomics in industrial districts, and in the 1992 and 1996 elections it came within two points and one point, respectively of voting for Democrat Bill Clinton, but by 2016 Donald Trump had gained 68.1 percent to Hillary Clinton’s 26.8 percent – figures which were long typical of the county.
As of February 21, 2022, there are 32,319 registered voters in Venango County
Pennzoil and Quaker State left the Venango area for Texas. After leaving the area they merged and stopped refining oil. They now concentrate on retail oil and automotive additives produced for them by other companies. As of 2007, the two companies only exist as brand names after the company disappeared because of successive mergers.
With global crude oil prices touching US$100 in early 2008, long-dormant interest reawakened in Venango County’s remaining oil reserves, 70% undrilled by one estimate. High prices make less accessible oil deposits worth extracting. For instance, a Canadian firm proposed drilling several large mines and allowing oil to flood the tunnels.
These public school districts are only partially in Venango County:
Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and, in at most two cases, towns. The following cities, boroughs and townships are located in Venango 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 Venango County.
† county seat
41°24′N 79°46′W / 41.40°N 79.76°W
