Owner Operator Insurance Requirements Delhi, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Delhi, 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 Delhi, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Delhi, 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.
Delhi Township [ˈdɛl.haɪ] is one of the twelve townships of Hamilton County, Ohio, United States. The 2020 census found 28,760 people in the township. It is the only Delhi Township statewide.
The area of modern-day Delhi Township was first settled by European Americans in 1789 with the founding of the village of South Bend. A year later, when Hamilton County was incorporated, the village loaned its name to South Bend township, which included the present-day location of Delhi Township. In 1809, South Bend Township was divided into Green and Miami townships. Delhi was later split from the southern portions of Green Township in 1816 as a result of a petition from residents. Upon incorporation, the township’s name was originally spelled as “Delhigh”, although the name morphed into “Delhi” sometime in the nineteenth century for unknown reasons.
The Sedam Springhouse, which may date back to the 1790s, is one of the oldest buildings in the township. Now known as the Delhi Springhouse, the structure stands on land near the stone house Colonel Cornelius Ryker Sedam built in 1796. The house no longer exists, but the springhouse has been restored. The structure protected a natural spring, which supplied water as late as 1937. The springhouse was also used to provide storage for perishable foods.
Located in the southwestern part of the county along the Ohio River, it has the following borders:
Much of what was once part of Delhi Township, including its entire shoreline along the Ohio River, is now part of the city of Cincinnati, the county seat of Hamilton County. Unincorporated communities in the township include Delhi Hills, Delshire, and Mount Saint Joseph. The Cincinnati communities of Price Hill, Sayler Park, Sedamsville and Riverside were part of Delhi Township until they were annexed by Cincinnati at the turn of the 20th century.
The township has an area of 10.1 square miles (26.1 km). Because the township covers the slopes leading down to the floodplain of the Ohio River, the township contains many hills, and its landscape is cut by a number of ravines caused by streams that make the descent.
Delhi Township is located within a climatic transition zone at the extreme northern limit of the humid subtropical climate. Being located within the northern periphery of the Upland South and also within the Bluegrass region of southern Ohio and Kentucky, the local climate is a basically a blend of the subtropics to the south and the humid continental climate to the north.
Delhi Township’s average annual rainfall is 41 inches (1,000 mm), received over an average of 82 days, along with 14 inches (360 mm) of snow. Temperatures range from an average July high of 88 °F (31 °C) to an average January low of 15 °F (-5 °C).
The median age of males in the township is 36.7 years of age, and the median age of females in the township is 38.4 years of age.
The median income for households in the township was $64,504 in 2008. In 1999, the median income for households in the township was $55,052.
The township is governed by a three-member board of trustees, who are elected in November of odd-numbered years to a four-year term beginning on the following January 1. Two are elected in the year after the presidential election and one is elected in the year before it. There is also an elected township fiscal officer, who serves a four-year term beginning on April 1 of the year after the election, which is held in November of the year before the presidential election. Vacancies in the fiscal officership or on the board of trustees are filled by the remaining trustees.
Three fire stations serve the township. Fire Station #33 serves as the fire department’s headquarters. The other stations are Station #30 and Station #36.
Delhi has various annual celebrations, including the Delhi Skirt Game. The Delhi Skirt Game is a Chicago-style softball game between officers of the Delhi Township Police Department and the firefighters of the Delhi Township Fire Department; the teams consist of male officers dressed in drag. The game is played in Delhi Park on the first Friday of August, with festivities surrounding the game including live music, games of chance, concessions, auctions and fireworks. The Skirt Game benefits needy families of Delhi Township.
Following an 1850s grape blight which destroyed most of the township’s vineyards, many growers turned to vegetable farming. On the heels of a successful transition to vegetable farming, growers began to construct greenhouses in order to extend the growing season. At some point in the 1920–1930s, nearly all of the Delhi greenhouse operators began to realize the greater profit potential of growing flowers, and subsequently converted their greenhouses from vegetable-centric operations to growing cut flowers full-time.
The peak of local hothouse agriculture was reached during the late pre-WWII years, when as many as 55 family-run greenhouses operated in the township. Notably, Delhi Township-based greenhouses produced a significant percentage of carnations supplied throughout the United States by this time. In the local region, Delhi Township became known as the “Floral Paradise of Ohio”, a trademark phrase that is still featured on modern, official Delhi Township signage.
The importance of greenhouses in Delhi Township was even reflected in the equipment of the Delhi Township Fire Department; as late as 1986, small-diameter fire attack lines were equipped with iron pipe couplings (rather than otherwise ubiquitous National Standard threads) in order to be compatible with the fittings in use on most greenhouse irrigation standpipes of the time. This arrangement permitted firefighters to connect their hoses to the source of water closest to an interior greenhouse fire, eliminating the need to drag (potentially) hundreds of feet of heavy, charged hose connected at the fire apparatus’s pump panel outside. In this arrangement, water pressure in the involved greenhouse was boosted by a connection from the pumper to a standpipe connection on the outside of the structure. The requirement to carry a large variety of thread adapters (in order to be compatible with nearby, mutual aid departments), along with the rapid, penultimate decline of hothouse agriculture in Delhi Township led to the complete standardization to National Standard-threaded couplings within the department by the late 1980s.
Today, only a few family-run greenhouses remain—the combined results of a decline in business due to foreign flower imports, as well as the lucrative conversion of greenhouse properties to land made available for residential and commercial development in the post-World War II suburbanization boom.
The township operates over 100 acres (40 ha) of park property. Parks operated by the township include Delhi Park, Five-Points Park, and Story Woods Park. Delhi Park, which opened in 1954, is the oldest park in the township. It has nine ball fields, including baseball courts, football fields, soccer fields, tennis courts, and sand volleyball courts. Delhi Park also has the Glen Carder Lodge, four picnic shelters and the “Spray Park.” Five-Points Park, a 1.1 acres (0.45 ha) park, has a gazebo and the firefighter’s memorial. Story Woods Park, a 40 acres (16 ha) park, has a playground facility, a picnic shelter, toilet facilities, and 2.03 miles (3.27 km) of walking trails. The township also has the Delhi Springhouse, which opened to protect the springs. The springhouse was also used as a source of drinking water and as cold storage for perishable foods. The Great Parks of Hamilton County operates Embshoff Woods, a park which opened in 1982 and consists of 331 acres (134 ha) of protected natural areas.
In November 2007, the township dedicated Veterans Memorial Park in honor of the township’s military veterans. Located within the park are the Wall of Honor Monument and the Killed-in-Action Memorial.
The Delhi Press serves the areas of Delhi and Sayler Park, Cincinnati.
Mount St. Joseph University is located in Delhi Township.
Oak Hills Local School District operates public schools in Delhi Township. Public schools within the township include Delshire Elementary School, C.O. Harrison Elementary School, Delhi Middle School, and Rapid Run Middle School. Oak Hills High School, outside of the township, serves as the area high school.
Private schools in the township include Our Lady of Victory (Cincinnati) School and St. Dominic School. Other area schools include Elder High School and Seton High School.
The Public Library of Cincinnati and Hamilton County operates the Delhi Township Branch. The township first received a library in 1949 when a collection of books opened in Delhi Public School. A permanent library facility was dedicated in January 1968. In 1999, an addition added 5,000 square feet (460 m) of space to the building, increased the size of the collection, expanded the children’s area, added a glass reading room, and altered the landscaping. The branch was renamed to the Delhi Township Branch Library during its reopening and rededication.
