Owner Operator Insurance Requirements Hampton, Virginia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Hampton, Virginia. 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 Hampton, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Hampton, Virginia 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.
Hampton is an independent city in Virginia, United States. As of the 2020 census, the population was 137,148. It is the 7th-most populous city in Virginia and 204th-most populous city in the nation. Hampton is included in the Hampton Roads metropolitan area, the 37th-largest in the United States, with a total population of 1,799,674 in 2020. This area, known as “America’s First Region”, also includes the independent cities of Chesapeake, Virginia Beach, Newport News, Norfolk, Portsmouth, and Suffolk, as well as other smaller cities, counties, and towns of Hampton Roads.
Hampton traces its history to the city’s Old Point Comfort, the home of Fort Monroe for almost 400 years, which was named by the 1607 voyagers, led by Captain Christopher Newport, who first established Jamestown as an English colonial settlement. Since consolidation in 1952, Hampton has included the former Elizabeth City County and the incorporated town of Phoebus, consolidated by a mutual agreement.
After the end of the American Civil War, historic Hampton University was established opposite from the town on the Hampton River, providing an education for many newly-freed former slaves and for area Native Americans. In the 20th century, the area became the location of Langley Air Force Base, NASA Langley Research Center, and the Virginia Air and Space Center. Hampton features many miles of waterfront and beaches.
The city features a wide array of business and industrial enterprises, retail and residential areas, historical sites, and other points of interest, such as a NASCAR short track, the oldest Anglican parish in the Americas (1610), and a moated, six-sided, historical bastion fort.
Indigenous Americans settled in present-day Hampton before 10,000 BCE. In the early 1600s, the Tidewater region was populated by the Powhatan peoples who called the lands Tsenacommacah. The Powhatan Chiefdom was made up of over 30 tribes numbering an estimated 25,000 people before the arrival of English colonists.
In December 1606, three ships carrying men and boys left England on a mission sponsored by a proprietary company. Led by Captain Christopher Newport, they sailed across the Atlantic Ocean to North America. After a long voyage, they first landed at the entrance to the Chesapeake Bay on the south shore at a place they named Cape Henry (for Henry Frederick, Prince of Wales, the elder son of their king).
During the first few days of exploration, they identified the site of Old Point Comfort (which they originally named “Point Comfort”) as a strategic defensive location at the entrance to the body of water that became known as Hampton Roads. This is formed by the confluence of the Elizabeth, Nansemond, and James rivers. The latter is the longest river in Virginia.
Weeks later, on May 14, 1607, they established the first permanent English settlement in the present-day United States about 25 miles (40 km) further inland from the Bay which became the site of fortifications during the following 200 years.
Slightly south, near the entrance to Hampton River, the colonists seized the Native American community of Kecoughtan under Virginia’s Governor, Sir Thomas Gates. The colonists established their own small town, with a small Anglican church (known now as St. John’s Episcopal Church), on July 9, 1610. This came to be known as part of Hampton. (With Jamestown having been abandoned in 1699, Hampton claims to be the oldest continuously occupied English settlement in the United States). Hampton was named for Henry Wriothesley, 3rd Earl of Southampton, an important leader of the Virginia Company of London, for whom the Hampton River, Hampton Roads and Southampton County were also named. The area became part of Elizabeth Cittie [sic] in 1619, Elizabeth River Shire in 1634, and was included in Elizabeth City County when it was formed in 1643. By 1680, the settlement was known as Hampton, and it was incorporated as a town in 1705 and became the seat of Elizabeth City County.
In the latter part of August 1619, the White Lion, a privateer captained by John Colyn Jope and sailing under a Dutch letter of marque, delivered approximately 20 enslaved Africans, from the present-day region of Angola to Point Comfort. They had been removed by its crew from a Portuguese slave ship, the “São João Bautista”. These were the first recorded slaves from Africa in the Thirteen Colonies. John Rolfe, the widower of Pocahontas, wrote in a letter that he was at Point Comfort and witnessed the arrival of the first Africans. The Bantu from Angola were considered indentured servants, but in effect, were to be slaves. Two of the first Africans to arrive were Anthony and Isabella. Their child, the first of African descent born in North America, was born baptized January 1624.
In 1813, the fort was captured again by the British as part of the War of 1812. Shortly after the war ended, the US Army built a more substantial stone facility at Old Point Comfort. It was called Fort Monroe in honor of President James Monroe. The new installation and adjacent Fort Calhoun (on a man-made island across the channel) were completed in 1834. Fort Monroe is the largest stone fort ever built in the United States.
Fort Monroe, Hampton and the surrounding area played several important roles during the American Civil War (1861–1865). Although most of Virginia became part of the Confederate States of America, Fort Monroe remained in Union hands. It became notable as a historic and symbolic site of early freedom for former slaves under the provisions of contraband policies and later the Emancipation Proclamation. After the War, former Confederate President, Jefferson Davis was imprisoned in the area now known as the Casemate Museum on the base.
To the northwest of Fort Monroe, the Town of Hampton had the misfortune to be attacked during the American Revolutionary War and burned down during the War of 1812 and the American Civil War. From the ruins of Hampton left by evacuating Confederates in 1861, “Contraband” slaves (formerly owned by Confederates and under a degree of Union protection) built the Grand Contraband Camp, the first self-contained African American community in the United States. A number of modern-day Hampton streets retain their names from that community. The large number of contraband slaves who sought the refuge of Fort Monroe and the Grand Contraband Camp led to educational efforts which eventually included establishment of Hampton University, site of the famous Emancipation Oak.
The original site of the Native American’s Kecoughtan Settlement was near the present site of a Hampton Roads Transit facility. To the south of present-day Hampton, a small unrelated incorporated town also named Kecoughtan many years later and also located in Elizabeth City County was annexed by the city of Newport News in 1927. It is now part of that city’s East End.
Hampton was incorporated as a city in 1849. On March 30, 1908, Hampton was separated from Elizabeth City County and became an independent city. However, it remained the county seat and continued to share many services with the county. On July 1, 1952, following approval of voters of each locality by referendum, the city of Hampton, the incorporated town of Phoebus and Elizabeth City County merged into the independent city of Hampton. It was the first of a series of political consolidations in the Hampton Roads region during the third quarter of the 20th century.
Hampton has a rich and extensive 20th-century military history – home of Langley Air Force Base, the nation’s first military installation dedicated solely to air power and the home of the U.S. Air Force’s 633rd Air Base Wing and 1st and 192nd Fighter Wings. Hampton has been a center of military aviation training, research and development for nearly a hundred years, from early prop planes and Zeppelins to rocket parts and advanced fighters. Its proximity to Norfolk means that Hampton has long been home to many Navy families. Together, many Air Force and Navy families in the Hampton area experienced significant losses in war and peacetime due to family members in combat and peacetime military accidents.
Fort Monroe was an active army base until its decommissioning on September 15, 2011. Shortly after, the fort was named a National Monument by President Barack Obama, on November 1.
In particular, during the Vietnam War, Langley Air Force Base was a designated ‘waiting base’ and thousands of Air Force families were transferred to Hampton from all over the world to wait while their husbands and fathers served in Vietnam. Thousands of Navy families associated with Naval bases in Norfolk next door also waited in Hampton during this era. Vietnam was a very high casualty war for Air Force and Navy pilots (some types of planes experienced a 50% casualty rate), and Naval “river rats” who fought on the rivers of the Mekong Delta experienced high casualties as well. There accumulated over time, in the Hampton area, a high concentration of families of unaccounted for wartime casualties. In many cases Hampton-stationed military families of “Missing in Action” or “Prisoner of War” pilots and sailors spent many years in the area waiting to find out what had happened to their missing or captured airmen and sailors.
According to the United States Census Bureau, the city has a total area of 136 square miles (350 km), of which 51 square miles (130 km) is land and 85 square miles (220 km) (62.3%) is water.
Hampton has a humid subtropical climate (Köppen: Cfa) characteristic of the Southeast United States. The weather in Hampton is temperate and seasonal with hot and humid summers and mild winters. The mean annual temperature is 60.2 °F (15.7 °C), with an average annual snowfall of 6 inches (150 mm) and an average annual rainfall of 47 inches (1,200 mm). The wettest month by average rainfall is August with an average of 2.4 inches of rain falling on 11–12 days, although in March it typically rains on more days with 2.3 inches of rain falling in 12 to 13 days. The hottest day on record was August 1, 1980 when the temperature hit 105.1 °F (40.6 °C). The lowest recorded temperature of −2.7 °F (−19.3 °C) was recorded on January 21, 1985.
As of the census of 2010, there were 137,436 people, 53,887 households, and 35,888 families residing in the city. The population density was 2,828.0 inhabitants per square mile (1,091.9/km). There were 57,311 housing units at an average density of 1,106.8 units per square mile (427.3 units/km). The racial makeup of the city was 49.6% Black or African American, 42.7% White, 2.2% Asian, 0.4% Native American, 0.1% Pacific Islander, 1.3% from other races, and 3.7% from two or more races. 4.5% of the population were Hispanic or Latino of any race.
There were 53,887 households, out of which 32.5% had children under the age of 18 living with them, 46.2% were married couples living together, 16.4% had a female householder with no husband present, and 33.4% were non-families. 26.6% 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 2.49 and the average family size was 3.02.
The age distribution is 24.2% under the age of 18, 12.6% from 18 to 24, 32.5% from 25 to 44, 20.4% from 45 to 64, and 10.3% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 98.3 males. For every 100 females age 18 and over, there were 96.6 males.
Population update: estimated population in July 2002: 145,921 (-0.4% change)
Males: 72,579 (49.6%), Females: 73,858 (50.4%)
The Census estimate for 2005 shows that the city’s population was down slightly to more, 145,579.
The median income for a household in the city was $39,532, and the median income for a family was $46,110. Males had a median income of $31,666 versus $24,578 for females. The per capita income for the city was $19,774. About 8.8% of families and 11.3% of the population were below the poverty line, including 15.9% of those under age 18 and 8.6% of those age 65 or over.
Hampton is home to several arts venues and museums dedicated to Hampton’s rich history. Notable venues in the city include The American Theatre, the Casemate Museum, the Charles Taylor Visual Arts Center, Hampton History Museum, Hampton University Museum, the Performing & Creative Arts Center, and the Virginia Air & Space Center.
The Hampton Coliseum, a multi-purpose arena built in 1968, serves as a major venue for entertainment acts such as WCW & WWE wrestling, musical concerts from artists such as The Grateful Dead and Phish and various regional sports games from the area. The arena has a seating capacity of 9,800 to 13,800 depending on configuration.
The city is served by the Hampton Public Library. The system began in 1926 as the first free county library in Virginia. Today, the main library includes the main library and three branches.
The Peninsula Pilots of the Coastal Plain League are a collegiate summer baseball league based in Hampton. The Pilots have been playing at War Memorial Stadium since 2000. The Hampton University Pirates & Lady Pirates compete in the Big South Conference in the NCAA Division I Football Championship Subdivision.
High school sports (especially football & basketball) play a large role in the city’s sports culture. Sporting stars such as Allen Iverson, Francena McCoroy, and T’erea Brown are from Hampton. The city’s stadium, Darling Stadium, serves as the high school football stadium with games usually spread over Thursday, Friday, and Saturday nights. The stadium also hosts various track-and-field events.
Additional sports options can be found just outside Hampton. On the collegiate level, the College of William and Mary, Norfolk State University and Old Dominion University offer NCAA Division I athletics. Virginia Wesleyan College and Christopher Newport University also provide sports at the NCAA Division III level.
Professional sports can be found in the area as well. In Norfolk, the Norfolk Tides of the International League and the Norfolk Admirals of the American Hockey League field baseball and hockey teams respectively. In Virginia Beach, the Hampton Roads Piranhas field men’s and women’s professional soccer teams.
The city uses a council-manager government, with Donnie Tuck serving as mayor, Mary Bunting serving as the city manager, and six council members serving as representatives to the districts in the city.
As of 2020, the Hampton City Council consisted of:
Hampton is located in Virginia’s 3rd congressional district, represented by Bobby Scott.(Democrat).
The main provider of public primary and secondary education is Hampton City Public Schools. There are four high schools – Kecoughtan, Bethel, Phoebus, and Hampton – eighteen K-5 elementary schools, two PK-8 schools, five middle schools, one early childhood center, and one gifted center in the city.
Several private schools are located in the area, including Denbigh Baptist Christian School, Hampton Roads Academy, and Peninsula Catholic High School.
Virginia School for the Deaf, Blind and Multi-Disabled at Hampton, operated by the State of Virginia, was formerly in Hampton.
The city contains Hampton University and Virginia Peninsula Community College. Other nearby universities in the Hampton Roads region include Christopher Newport University, Old Dominion University, Norfolk State University, and The College of William and Mary.
Hampton’s daily newspaper is the Newport News–based Daily Press. Other papers include Norfolk’s The Virginian-Pilot, Port Folio Weekly, the New Journal and Guide, and the Hampton Roads Business Journal. Coastal Virginia Magazine serves as a bi-monthly regional magazine for Hampton and the Hampton Roads area. Hampton Roads Times serves as an online magazine for all the Hampton Roads cities and counties. Hampton is served by a variety of radio stations on the AM and FM dials, with towers located around the Hampton Roads area.
Hampton is also served by several television stations. The Hampton Roads designated market area (DMA) is the 42nd largest in the U.S. with 712,790 homes (0.64% of the total U.S.). The major network television affiliates are WTKR-TV 3 (CBS), WAVY-TV 10 (NBC), WVEC-TV 13 (ABC), WGNT 27 (CW), WTVZ 33 (MyNetworkTV), WVBT 43 (Fox), and WPXV 49 (ION Television). The Public Broadcasting Service station is WHRO-TV 15. Hampton residents also can receive independent stations, such as WSKY broadcasting on channel 4 from the Outer Banks of North Carolina and WGBS-LD broadcasting on channel 11. Hampton is served by Verizon FiOS and Cox Cable.
In the Hampton Roads region, water crossings are a major issue for land-based transportation. The city is fortunate to have a good network of local streets and bridges to cross the various rivers and creeks. Many smaller bridges, especially those along Mercury Boulevard, were named to honor the original NASA astronauts, who had trained extensively at NASA’s Langley facilities.
The city is located contiguously to the neighboring independent cities of both Newport News and Poquoson. Many roads and streets are available to travel between them. Likewise, Williamsburg, Yorktown and the counties of James City and York are also located nearby in the Peninsula sub-region, and many roads lead to them.
To reach most of its other neighbors in the South Hampton Roads sub-region, it is necessary to cross the harbor and/or the mouth of the James River. There are 3 major motor vehicle crossings. Among these are the Hampton Roads Bridge–Tunnel (HRBT) and the Monitor–Merrimac Memorial Bridge–Tunnel (MMMBT), each forming part of the Hampton Roads Beltway. The HRBT is located on Interstate 64 near downtown Hampton and the MMMBT is a few miles away on Interstate 664 near downtown Newport News. (These two major interstates converge in Hampton near the Hampton Coliseum). The third crossing option is the James River Bridge, also in Newport News, which connects to Isle of Wight County and the town of Smithfield.
Hampton is also served by several major primary and secondary highways. These notably include U.S. Routes 17, 60 and 258, and Virginia State Routes 134 and 143.
The Hampton Transit Center, located close to the downtown area at the intersection of West Pembroke Avenue and King Street, offers a hub for local and intercity public transportation. It hosts HRT buses, Greyhound/Trailways services and taxicabs.
Hampton Roads Transit (HRT) is the local provider of transit service within the city, as well offering a regional bus system with routes to and from seven other cities in Hampton Roads.
Intercity bus service is provided by Greyhound Lines and its Carolina Trailways affiliate. The buses serve the Hampton Transit Center. Low cost curbside intercity bus service is also provided by Megabus, with service to Richmond, Washington, D.C., Baltimore, and Philadelphia.
Hampton is served by several Amtrak trains a day, with direct service from Newport News station in nearby Newport News (on Warwick Boulevard just west of Mercury Boulevard) through Williamsburg and Richmond to points along the Northeast Corridor from Washington DC through Baltimore, Philadelphia, and New York City all the way to Boston. At Richmond, connections can be made for other Amtrak destinations nationwide.
Hampton is served by two commercial airports. Newport News/Williamsburg International Airport (IATA: PHF) is in Newport News, and Norfolk International Airport (IATA: ORF, ICAO: KORF, FAA LID: ORF) is across the harbor in Norfolk. Both are along portions of Interstate 64.
The primary airport for the Virginia Peninsula is the Newport News/Williamsburg International Airport in Newport News. Originally known as Patrick Henry Field (hence its airline code letters “PHF”), it was built on the site of Camp Patrick Henry, formerly a World War II facility. It is one of the fastest growing airports in the country, and it reported having served 1,058,839 passengers in 2005. The airport recently added a fourth airline carrier, Frontier Airlines, becoming the first new airline to come to the region in over eight years, despite the economic recession conditions. 2010 was to be the busiest year by passenger count in the airport’s history.
The larger Norfolk International Airport (often known locally by its code letters “ORF”) also serves the region. The airport is near the Chesapeake Bay, along the city limits between Norfolk and Virginia Beach. Seven airlines provide nonstop services to 25 destinations. During 2006, ORF had 3,703,664 passengers take off or land at its facility and 68,778,934 pounds of cargo were processed through its facilities.
The Chesapeake Regional Airport provides general aviation services. It is in South Hampton Roads in the independent city of Chesapeake.
Hampton has four sister cities: