Owner Operator Insurance Requirements Middletown, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Middletown, 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 Middletown, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Middletown, 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.
Middletown is a city located in Butler and Warren counties in the southwestern part of the U.S. state of Ohio, about 35 miles (47 km) north of Cincinnati. The population as of the 2020 census was 50,987. It is part of the Cincinnati metropolitan area.
Formerly in Lemon, Turtlecreek, and Franklin townships, Middletown was incorporated by the Ohio General Assembly on February 11, 1833, and became a city in 1886. The city was the home of AK Steel Holding Corporation (formerly Armco), a major steel works founded in 1900. Although offices were moved to nearby West Chester Township in 2007, the AK Steel factory is still in Middletown. Middletown is also home to Hook Field Municipal Airport (airport code MWO), which was formerly served by commercial airlines but is currently only for general aviation. A regional campus of Miami University is located in Middletown. In 1957, Middletown was designated as an All-America City.
The city’s name is believed to have been given by its founder, Stephen Vail, but questions remain unanswered as to why. One local historian stated that the city received its name because Vail had come from Middletown, New Jersey. Another writer believed that the city was named Middletown because it was the midway point of navigation on the Great Miami River, which was then considered a navigable stream. Another theory is credited to the city being roughly halfway between Dayton and Cincinnati. Vail centered the city in Fractional Section 28 of Town 2, Range 4 North. One of the first settlers in Middletown was Daniel Doty, who migrated there from New Jersey in the late 18th century.
Middletown is located at 39°30′N 84°23′W (39.5060, -84.3759).
According to the United States Census Bureau, the city has a total area of 26.43 square miles (68.45 km), of which 26.19 square miles (67.83 km) is land and 0.24 square miles (0.62 km) is water.
Middletown adjoins the Great Miami River. Middletown also borders the cities of Franklin, Monroe, Trenton, and Liberty and Madison Townships.
As of the census of 2020, there were 50,987 people in 20,057 households in the city. The population density was 1,951.0 inhabitants per square mile (753.3/km). The racial makeup of the city was 81.3% White, 11.2% African American, 0.0% Native American, 0.7% Asian, 0.1% Native Hawaiian and other Pacific Islander and 5.3% from two or more races. Hispanic or Latino of any race were 4.1% of the population.
There were 20,057 households with an average 2.39 people living in each, 81% of whom had lived in the same house for at least 1 year. 85% of residents were high school graduates, and 15.6% had received Bachelor’s degrees or higher. 6.2% of residents were under the age of 6, 22.5% of residents were under the age of 18, and 17.2% were over the age of 65. The gender makeup of the city was 52.3% female and 47.7% male. The percentage of persons under 65 with a disability was 16.8%.
The median household income was $42,290, and the annual per capita income average was $24,184. Approximately 22.5% of persons were below the poverty line. The average travel time to work was 23.1 minutes. 59.2% of residents worked in the civilian labor force, 54.5% of whom were female.
As of the census of 2010, there were 48,694 people, 20,238 households, and 12,505 families living in the city. The population density was 1,859.3 inhabitants per square mile (717.9/km). There were 23,296 housing units at an average density of 889.5 per square mile (343.4/km). The racial makeup of the city was 83.3% White, 11.7% African American, 0.2% Native American, 0.5% Asian, 1.6% from other races, and 2.7% from two or more races. Hispanic or Latino of any race were 3.8% of the population.
There were 20,238 households, of which 31.0% had children under the age of 18 living with them, 37.9% were married couples living together, 18.1% had a female householder with no husband present, 5.8% had a male householder with no wife present, and 38.2% were non-families. 31.5% of all households were made up of individuals, and 11.9% had someone living alone who was 65 years of age or older. The average household size was 2.38 and the average family size was 2.97.
The median age in the city was 38.3 years. 24.3% of residents were under the age of 18; 9% were between the ages of 18 and 24; 24.7% were from 25 to 44; 27.1% were from 45 to 64; and 14.9% were 65 years of age or older. The gender makeup of the city was 47.5% male and 52.5% female.
As of the census of 2000, there were 51,605 people, 21,469 households, and 13,933 families living in the city. The population density was 2,011.4 inhabitants per square mile (776.6/km). There were 23,144 housing units at an average density of 902.1 per square mile (348.3/km). The racial makeup of the city was 86.98% White, 10.59% African American, 0.25% Native American, 0.37% Asian, 0.03% Pacific Islander, 0.36% from other races, and 1.42% from two or more races. Hispanic or Latino of any race were 0.89% of the population.
There were 21,469 households, out of which 29.9% had children under the age of 18 living with them, 45.9% were married couples living together, 14.6% had a female householder with no husband present, and 35.1% were non-families. 29.6% of all households were made up of individuals, and 11.4% had someone living alone who was 65 years of age or older. The average household size was 2.38 and the average family size was 2.94.
In the city, the population was spread out, with 25.0% under the age of 18, 9.3% from 18 to 24, 29.2% from 25 to 44, 21.6% from 45 to 64, and 14.9% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 91.4 males. For every 100 females age 18 and over, there were 87.3 males.
The median income for a household in the city was $36,215, and the median income for a family was $43,867. Males had a median income of $35,705 versus $23,865 for females. The per capita income for the city was $19,773. About 9.2% of families and 12.6% of the population were below the poverty line, including 18.4% of those under age 18 and 9.4% of those age 65 or over.
Ohio State Route 4 runs north-south through Middletown. Ohio State Route 73 and Ohio State Route 122 run east-west through the city. Ohio Route 122 accesses Interstate 75 running to the east of Middletown.
Middletown had multiple railroad stations serving the different railroads running through the city, Baltimore and Ohio, Erie Railroad, New York Central (earlier, the Cleveland, Cincinnati, Chicago and St. Louis Railway) and Pennsylvania Railroad. The last passenger trains were the Baltimore and Ohio’s Cincinnatian and Penn Central’s Cincinnati-Columbus train, both ending in 1971.
J. D. Vance describes his life in Middletown in Hillbilly Elegy: A Memoir of a Family and Culture in Crisis (2016). His family had moved there from Jackson, Kentucky and became caught in the problems of industrial restructuring and loss of jobs.
Bristol Palin wrote negatively about a 2008 visit to Middletown in her autobiography Not Afraid of Life: My Journey So Far (2017).
Kimmy Schmidt from the eponymous Netflix show falsely claims she is from Middletown, Ohio, in Season 1, Episode 3. Xanthippe looks it up on her phone, expecting Kimmy has made the place up, but is irritated to find that such a place exists.
Middletown, Ohio is the home town of James Donovan Halliday, the creator of the OASIS in Ready Player One.
