Owner Operator Insurance Requirements Mentor, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Mentor, 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 Mentor, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mentor, 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.
Mentor ( MEN-tər) is the largest city in Lake County, Ohio, United States. The population was 47,450 at the 2020 census. It is part of the Cleveland metropolitan area.
Mentor was first settled in 1797. In 1876, James A. Garfield purchased a home in Mentor, from which he conducted the first successful front porch campaign for the presidency; the house is now maintained as the James A. Garfield National Historic Site. The city is home to Headlands Beach State Park, the longest public swimming beach in Ohio. The city is a major center of retail stores, ranking sixth-largest in Ohio as of 2012, and restaurants, ranking seventh-largest in the state as of 2012. Mentor Avenue (US 20) is the major retail center, which includes the Great Lakes Mall, with additional shopping and strip malls found along most major roads. Convenient Food Mart is based in Mentor. Major products include medical related, polymers, plastics, electric boards and other peripherals that generally serve the computer and automation industries. Two major railroads pass through the city, CSX Transportation and Norfolk Southern. Medical equipment company Steris is based in Mentor.
Mentor is named after the Greek figure Mentor, in keeping with the Connecticut Western Reserve settlers’ tradition, as well as that of most other Americans at the time, of celebrating aspects of Greek classicism (nearby Solon, Macedonia, Euclid, and Akron also were named using that principle). In July 2010, CNNMoney.com ranked Mentor 37th in a list of the Top 100 Best Small Cities to Live in America.
The pronunciation of the city’s name is a shibboleth, with many residents pronouncing it as “men-ner” and outsiders using the more conventional “men-tore”, while in the media and among most residents, “men-ter” is prominent. The city’s slogan, “It’s better in Mentor,” reflects this fact.
Mentor was formally established in 1855 but founded in the late eighteenth century by Charles Parker who built the first settlement.
This settlement was established before Ohio became the 17th state in the Union in 1803. About 5 years later in 1808, Lake County, the smallest county in Ohio, was established by separating it from Geaugau County.
It earned the nickname, “Rose Capital of the Nation” due to the abundant rosebushes that grew throughout the city. During the time this nickname developed, Mentor’s tourist industry boomed due to Clevelanders trying to escape a dirty, industrial atmosphere. Post World War II, most Mentor dwellers had cars and could efficiently drive to work. This caused an increase in middle and working-class families and by 2000, about 50,000 people lived in Mentor.
The “Official Flag of the City of Mentor” was designed by Brad Frost in 1988 for a contest by Mentor Headlands. The flag’s appearance is similar to Ohio’s flag in that they have similar shapes, a large blue triangle, and stripes. The blue triangle represents Ohio’s hills while the stripes represent roads and waterways. There is a white circle, symbolizing Ohio, with a cardinal, the official bird of Ohio and Mentor, sitting in the middle. There are six stars surrounding the circle symbolizing the 6 original townships, including Mentor, surveyed in 1797.
Mentor is a suburb of Cleveland and is located on the south shore of Lake Erie. The Mentor Headlands area of Mentor, located in the northeast portion of the city, was settled in 1797 by Connecticut Land Company surveyors.
According to the United States Census Bureau, the city has a total area of 28.00 square miles (72.52 km), of which 26.65 square miles (69.02 km2) is land and 1.35 square miles (3.50 km) is water.
The average temperature in Mentor is 49.90 °F which is comparable to the Ohio average temperature of 50.88 °F but lower than the national average of 54.45 °F. The annual average for precipitation is 42.87 inches which is higher than the national and state average, Mentor averages 93.4 days with more than .1 inches of rain. This is higher than Ohio’s average of 80 days. Mentor expects about 61.25 days with 1 or more inches of snow. The wind average is 18.61 mph and humidity is 75.82%.
As of the census of 2010, there were 47,159 people, 19,166 households, and 13,339 families residing in the city. The population density was 1,769.6 inhabitants per square mile (683.2/km2). There were 20,218 housing units at an average density of 758.6 per square mile (292.9/km). The racial makeup of the city was 96.3% White, 1.0% African American, 0.1% Native American, 1.4% Asian, 0.3% from other races, and 1.0% from two or more races. Hispanic or Latino of any race were 1.3% of the population.
There were 19,166 households, of which 28.8% had children under the age of 18 living with them, 56.4% were married couples living together, 9.4% had a female householder with no husband present, 3.8% had a male householder with no wife present, and 30.4% were non-families. 25.7% of all households were made up of individuals, and 11.1% had someone living alone who was 65 years of age or older. The average household size was 2.44 and the average family size was 2.94.
The median age in the city was 44.8 years. 21.2% of residents were under the age of 18; 6.9% were between the ages of 18 and 24; 22.3% were from 25 to 44; 33.2% were from 45 to 64; and 16.5% were 65 years of age or older. The gender makeup of the city was 48.4% male and 51.6% female.
As of the census of 2000, there were 50,278 people, 18,797 households, and 14,229 families residing in the city. The population density was 1,878.2 inhabitants per square mile (725.2/km2). There were 19,301 housing units at an average density of 721.0 per square mile (278.4/km). The racial makeup of the city was 97.30% Caucasian, 0.64% African American, 0.05% Native American, 1.19% Asian, 0.03% Pacific Islander, 0.18% from other races, and 0.61% from two or more races. Hispanic or Latino of any race were 0.72% of the population. 19.8% were of German, 15.1% Italian, 13.1% Irish, 8.8% English, 6.5% Polish, 5.5% Slovene and 5.4% American ancestry according to Census 2000.
There were 18,797 households, out of which 35.8% had children under the age of 18 living with them, 63.6% were married couples living together, 8.9% had a female householder with no husband present, and 24.3% were non-families. 20.5% of all households were made up of individuals, and 8.1% had someone living alone who was 65 years of age or older. The average household size was 2.65 and the average family size was 3.08.
In the city the population was spread out, with 25.9% under the age of 18, 6.5% from 18 to 24, 29.0% from 25 to 44, 26.3% from 45 to 64, and 12.3% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 94.2 males. For every 100 females age 18 and over, there were 91.5 males.
The median income for a household in the city was $57,230, and the median income for a family was $65,322. Males had a median income of $44,021 versus $31,025 for females. The per capita income for the city was $24,592. About 1.8% of families and 2.7% of the population were below the poverty line, including 2.8% of those under age 18 and 4.4% of those age 65 or over.
Mentor Exempted Village School District operates the public schools in the community. Mentor’s school system consists of eight elementary schools, two middle schools, and Mentor High School. Like many school systems in Ohio, Mentor Schools suffered a financial crisis in the early 2000s, but passed a large levy and is now largely on solid footing. It is one of the fastest Ohio school systems ever to emerge from fiscal emergency. The financial difficulties were due in part to years of accounting fraud.[failed verification]
Elementary schools:
Middle schools:
High school:
Special needs schools:
Many bike paths have been built in Mentor in recent years.[failed verification] The parks in the city include:
In 2014, Amazon published a documentary about severe bullying and harassment in Mentor High School which led to at least four suicides starting in 2010. The filmmaker received ten violent threats after the release of the film’s trailer. CBS News also published a story about the bully-related suicides that Mentor High School has become known for. The Boston Globe wrote about the documentary, saying “This is a problem of not just one town, but of the entire culture of conformity. It’s much bigger than just one bad kid or bad teacher. In my films I’m interested in looking at the whole problem rather than the easy answers.” The Daily Beast called Mentor High School “Suicide High.”
In 2016, Mentor’s rate of 1.1 violent crimes per 1,000 residents was equal to the average (median) among Ohio cities. However, its rate of 22.1 property crimes per 1,000 residents was higher than the state median of 18.3 per 1,000 people. The property crime rate was high primarily due to the incidence of theft (larceny) in the city.
Mentor’s crime rating is 152 which is in the “high” range and 139.8 points lower than the national average.