Owner Operator Insurance Requirements Hilliard, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Hilliard, 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 Hilliard, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Hilliard, 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.
Hilliard is a city in Franklin County, Ohio, United States. The population was 37,114 at the 2020 census. It is a suburb of Columbus and part of Norwich Township. Hilliard is home to the Early Television Museum (the only one of its kind in United States), the second largest First Responders Park in the United States, and Heritage Rail Trail. Hilliard also has the only flag pole from the World Trade Center that is not in a museum. The flag pole is located in front of the fire department on Northwest Parkway. The Hilliard Historical Society maintains a historical village near the Franklin County Fairgrounds.
In 1852, John Reed Hilliard bought 10 acres (40,000 m) of farmland in western Franklin County, Ohio from Hoseah High and Abraham Wendell. Geographically, the Hilliard area is between Big Darby Creek on the west and the Scioto River on the east. Originally called Hilliard’s Station, the town grew around the railroad route of the Piqua and Indiana Railroad station, which bisected the former Hilliard farmland. Hilliard’s Station served as an ideal shipping point for agricultural products going to market and supplies coming to the farmers in the area. The original Hilliard area was platted by John Hilliard on September 1, 1853.
Until the mid 20th century, the railroad station and Main Street were the town center. In 1854, a post office was established in Hilliard’s Station and the word Station was dropped from the town name. The Village of Hilliard became incorporated on July 13, 1869 with a population of 280 residents. In 1886 the first railroad station was located on the north side of the tracks, west of Main Street, and remained there until 1962 when all railroad services ceased. The original train station has been restored and remains in Hilliard’s historical Weaver Park. The original platted area contained a mix of residences and businesses of varying ages and architecture.
The construction of three large residential subdivisions in the 1950s brought explosive growth to Hilliard. The connection to the Columbus regional sewer and water systems in the 1960s opened up the area to development. The Village of Hilliard gained city status officially from the Ohio Secretary of State by attaining a population of 5,633 on December 12, 1960.
With the completion of the I-270 outerbelt in the early 1970s, a second wave of explosive growth came to the area. Land uses in Hilliard continue to be a mix of residential and commercial development. A rich heritage of residential structures and architectural styles can be found in the historic district along Norwich Street.
Hilliard is located at 40°2′4″N 83°8′34″W / 40.03444°N 83.14278°W (40.034310, -83.142678). It is bordered on the east by Columbus and Upper Arlington, on the north by Columbus and Dublin, on the south by Galloway and Columbus, and to the west lies open farmland. Downtown Columbus lies in a distance to the southeast, its skyline visible at times when crossing bridges.
According to the United States Census Bureau, the city has a total area of 13.34 square miles (34.55 km), of which 13.17 square miles (34.11 km2) is land and 0.17 square miles (0.44 km) is water.
As of the 2010 census, there were 28,435 people, 10,198 households, and 7,612 families residing in the city. The population density was 2,159.1 inhabitants per square mile (833.6/km2). There were 10,637 housing units at an average density of 807.7 per square mile (311.9/km). The racial makeup of the city was 88.5% White, 3.0% African American, 0.2% Native American, 5.6% Asian, 0.8% from other races, and 1.9% from two or more races. Hispanic or Latino of any race were 2.3% of the population.
There were 10,198 households, of which 44.5% had children under the age of 18 living with them, 61.8% were married couples living together, 9.2% had a female householder with no husband present, 3.7% had a male householder with no wife present, and 25.4% were non-families. 21.2% 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 2.77 and the average family size was 3.26.
The median age in the city was 35.9 years. 30.1% of residents were under the age of 18; 6.4% were between the ages of 18 and 24; 28.7% were from 25 to 44; 26.2% were from 45 to 64; and 8.6% were 65 years of age or older. The gender makeup of the city was 48.8% male and 51.2% female.
As of the census of 2000, there were 24,230 people, 8,577 households, and 6,492 families residing in the city. The population density was 2,174.8 inhabitants per square mile (839.7/km2). There were 8,957 housing units at an average density of 804.0 per square mile (310.4/km). The racial makeup of the city was 85.1% White, 3.2% African American, 0.17% Native American, 1.48% Asian, 0.02% Pacific Islander, 5.72% from other races, and 1.32% from two or more races. Hispanic or Latino of any race were 4.56% of the population.
There were 8,577 households, out of which 46.3% had children under the age of 18 living with them, 64.7% were married couples living together, 7.8% had a female householder with no husband present, and 24.3% were non-families. 19.5% of all households were made up of individuals, and 5.7% had someone living alone who was 65 years of age or older. The average household size was 2.80 and the average family size was 3.26.
In the city the population was spread out, with 32.1% under the age of 18, 5.5% from 18 to 24, 37.8% from 25 to 44, 17.4% from 45 to 64, and 7.2% who were 65 years of age or older. The median age was 33 years. For every 100 females, there were 96.5 males. For every 100 females age 18 and over, there were 92.6 males.
The median income for a household in the city was $69,015, and the median income for a family was $76,207. Males had a median income of $50,551 versus $35,733 for females. The per capita income for the city was $28,496. About 0.6% of families and 2.2% of the population were below the poverty line, including 1.0% of those under age 18 and 8.3% of those age 65 or over.
According to The New York Times’ “Extremely Detailed Map of the 2020 Election Results”, Hilliard residents generally voted for Joe Biden over Donald Trump in the 2020 Presidential Election.
Hilliard is entirely within Ohio’s 15th congressional district and is represented by Mike Carey.
The Hilliard City School District encompasses all of the original Brown and Norwich Township boundaries, the actual city of Hilliard, a portion of Columbus that is about the same size as that within Hilliard, as well as parts of the city of Dublin, and parts of Galloway. There are fourteen elementary schools (Alton Darby, Avery, Beacon, Britton, Brown, Darby Creek, Hilliard Crossing, Hilliard Horizon, Hoffman Trails, J.W. Reason, Norwich, Ridgewood, Scioto Darby, and Washington), two sixth-grade schools (Station and Tharp), three middle schools (Heritage, Weaver, and Memorial), and three high schools (Darby, Davidson, and Bradley) in the district. The high school sports teams are named the Panthers, Wildcats, and Jaguars, respectively. Also in the city of Hilliard is a K-8 Roman Catholic school: Saint Brendan School, and a K-8 Islamic school, Sunrise Academy.
Hilliard maintains its own Division of Police located at 5171 Northwest Parkway. The 55 Officer Division has a Patrol Bureau, Records Bureau, Detective Bureau, Special Investigations Unit, Property Room, Motorcycle Unit, Bike Patrol Unit, Community Resource/Training Bureau, and three K-9 Officers. The Hilliard Division of Police also provides police services for Norwich Township.
Norwich Township provides fire protection for the City of Hilliard and Norwich Township. The Norwich Township Fire Department maintains three fire stations (Stations 81, 82 and 83). Station 81 is a joint venture between the City of Hilliard and Norwich Township, housing Norwich Township Fire Station 81 and the Hilliard Division of Police.
For recreation, Hilliard has two public pools (Hilliard Family Aquatic Center and Clyde “Butch” Seidle Community Pool), a Community Center/Senior Center next to the HFAC, a Splash Pad at Hilliard’s Station Park, and many public baseball and soccer fields, as well as basketball and sport activities. The Recreation Department oversees approximately 27 parks. A few other parks in the area not owned by the City include Homestead and Franks Park. The Heritage Rail Trail is in Hilliard with the trail head located in Old Hilliard on Center Street. There are 41 miles of multipurpose trails.
Hilliard annually hosts a Fourth of July parade and has a moderately sized fireworks display that overlooks the west pool/municipal park.
In 2017, the Franklin County Fair celebrated its 100th fair in Hilliard. The fair is held in July each year.
The Old Hilliardfest Art & Street Fair is held in downtown Hilliard each year the second Saturday of each September and is sponsored by the Hilliard Civic Association. The festival includes two stages of music primarily country/western. There are several food trucks; a large variety of community organizations, artists, and other various vendors; lots for kids to do, including inflatables, carnival games and rides, face painting, arts and crafts activities; and more.
A weekly summer concert series held at Hilliard’s Station Park in Old Hilliard. Events include live music, food trucks and a Designated Outdoor Refreshment Area (DORA).
List of schools:
Hilliard’s main streets are Cemetery Road and Main Street/Hilliard Rome Road. The city does not have any major Ohio state routes or US Routes within its immediate vicinity, however Hilliard’s eastern end is accessible by Interstate 270, a ring road serving Columbus suburbs known locally as the “Outerbelt”.
No major railways nor rail-based transport run to, from, through, or within Hilliard; however, there is a park and ride on Cemetery Road close to I-270.
Hilliard is served by John Glenn International Airport, which additionally serves a large majority of all commercial flights out of the Columbus area. Additionally, Hilliard is located extremely close to Don Scott Airport for general aviation and Ohio State University aviation classes.