Owner Operator Insurance Requirements Norristown, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Norristown, Pennsylvania. 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 Norristown, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Norristown, Pennsylvania 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.
Norristown is a municipality with home rule status and the county seat of Montgomery County, Pennsylvania, United States, in the Philadelphia metropolitan area. Located along the Schuylkill River, approximately 6 miles (9.7 km) from the Philadelphia city limits, Norristown had a population of 35,748 as of the 2020. It is the fourth most populous municipality in the county and second most populous borough in Pennsylvania.
It is the largest non-township municipality in Montgomery County and is located 49.8 miles (80.1 km) southeast of Allentown and 19.9 miles (32.0 km) northwest of Philadelphia, the sixth largest city in the United States.
The area where Norristown sits was originally owned by the family of Isaac Norris. Along with William Trent, Norris purchased the land on October 7, 1704, for 50¢ per acre. In 1712, Norris acquired Trent’s share and established a gristmill at the foot of present-day Water Street.
Named the county seat in 1784 when Montgomery County was formed, Norristown was incorporated as a borough in 1812 and subsequently enlarged in 1853. About 500 people lived there at the time of its incorporation. Growing rapidly after the Civil War, it swelled to 22,265 people by 1900. By 1940 it was home to 38,181 Norristonians, making it the most populous borough in Pennsylvania before declining in the decades after World War II, and in fact it was described in that year as “the most populous independent borough in the United States.”
At its height, Norristown was an industrial, retail, banking, and government center. Breweries, cigar factories, textile mills, icehouses, foundries, rolling mills, and lumber yards provided ample employment for skilled laborers and artisans. The downtown featured two department stores, several theaters, and enough goods and services that residents never had to leave town to find anything they needed. Although primarily settled by the English and a handful of Germans, Scots, Dutch, and Swedes, in the mid-1800s the Irish began arriving in large numbers, followed by waves of Italians at the turn of the century.
With the opening of new malls in nearby King of Prussia and Plymouth Meeting, the downtown declined in the decades after World War II. Industry soon followed, as many companies closed or relocated into new industrial parks throughout Montgomery County.
Norristown is located in southeastern Pennsylvania, approximately 6 mi (10 km) northwest of Philadelphia, although direct driving distance from downtown Norristown to Center City Philadelphia is about 17 mi (27 km). Totaling 3.519 square miles in land area, the municipality sits along the Schuylkill River. Two major tributaries, the Stony Creek and the Saw Mill Run, bisect the town into thirds and empty directly into the Schuylkill. The town’s terrain is generally hilly, especially in the areas closest to downtown, which itself sits on a plateau surrounded by all three major waterways.
Norristown has four distinct neighborhoods: the West End, the East End, the North End, and the downtown.
It is bounded by West Norriton, East Norriton, and Plymouth townships, as well as the borough of Bridgeport.
In the Köppen climate classification, the borough has a humid subtropical climate (Cfa) according to recent temperature numbers. The Trewartha climate classification now has the climate as Do (oceanic because only seven months are above 50 °F.) The hardiness zone is 7a.
As of the 2019, Norristown’s population is 34,341, which represents a 0% increase since 2010. The municipality’s population is 37.2% black or African American, 27.9% white (non-Hispanic), 27.1% Hispanic and two or more races 6.4%.
There were 11,963 households and 7,498 families residing in the municipality. The population density was 9,753.9 people per square mile. There were 13,420 housing units at an average density of 3,813.5 per square mile.
Of the 11,963 households, 62.7% (7,498) were family households and 37.3% were non-family households. Of the 7,498 families, 58.2% had their own and related children under the age of 18 living with them; 51.0% were married couples living together, and 36.6% had a female householder with no husband present. The average household size was 2.79 and the average family size was 3.41.
The median age of all residents is 31.2 years, with an age distribution of 26.2% under the age of 18, 43.5% between ages 18 and 44, 21.2% between ages 45 and 64, and 9.1% ages 65 and above.
According to the U.S. Census Bureau’s 2012 American Community Survey, the median household income was $42,764. Males had a median income of $34,214 versus $34,086 for females. The per capita income was $21,204. About 17.3% of families and 19.3% of the population were below the poverty line, including 28.3% of those under the age of 18 and 11.8% of those 65 and older.
Approximately 76.0% of all persons 25 and older have a high school diploma or higher, while 16.7% have a college degree (Bachelor’s or higher).
Norristown’s economy is based largely on institutions in the government, healthcare, legal, and social services sectors. The Montgomery County government is the municipality’s largest employer. Other major Norristown employers with a considerable presence are the Pennsylvania Department of Environmental Protection (DEP), the Montgomery County Intermediate Unit, USM (formerly U.S. Maintenance), U.S. Roofing Corporation, Barton Partners Architects, Crazy Aaron’s, and the Norristown Area School District. Norristown is home to the corporate headquarters of USM, U.S. Roofing and Crazy Aaron’s.
In addition to major employers, there are numerous small professional, manufacturing, technology, and distribution firms operating in the municipality, as well as law offices and local realty companies.
Norristown has been a home rule municipality since 1986 when voters adopted a charter with a manager/council form of government and a seven-member municipal council. The office of mayor was abolished in July 2004 after a public referendum amended the municipal charter. Executive and administrative authority is now delegated to a council appointed Municipal Manager.
The municipality is part of the Fifth Congressional District (represented by Rep. Mary Gay Scanlon), the 70th State House Districts (represented by Rep. Matt Bradford) and the 17th State Senate District (represented by Sen. Amanda Cappelletti).
As of 2015 there were 56.07 miles (90.24 km) of public roads in Norristown, of which 3.81 miles (6.13 km) were maintained by the Pennsylvania Department of Transportation (PennDOT) and 52.26 miles (84.10 km) were maintained by the borough.
Norristown sits near the junction of several major roads in the Philadelphia metropolitan area. Main Street (also known as Ridge Pike outside of the municipality) and Airy Street run east–west through the downtown, eventually leading to interchanges for I-476 (the Blue Route) and the Pennsylvania Turnpike (I-276), respectively, in Plymouth Meeting. US 202 is the major north–south route through the town, connecting it with other nearby county seats such as Doylestown and West Chester. US 202 is split into a one-way pair through the municipality, as DeKalb Street is designated “US 202 North” while Markley Street is signed “US 202 South.”
Norristown is the largest multi-modal transportation hub in Montgomery County. Numerous rail lines, bus routes, multi-use trails, and parking areas converge at the Norristown Transportation Center (NTC). SEPTA operates eight Suburban Division bus routes (90, 91, 93, 96, 97, 98, 99, and 131), one interurban rapid transit route (the Norristown High Speed Line to 69th Street Transportation Center), and a Regional Rail line (the Manayunk/Norristown Line to Center City Philadelphia) out of the NTC complex.
The Regional Rail station at the Norristown Transportation Center is one of three on the Manayunk/Norristown Line in Norristown. The other two are Main Street and Elm Street, the latter of which serves as the terminus of the line.
The NTC contains a 522-space SEPTA commuter parking garage that also contains an intercity bus terminal that was formerly used by Bieber Transportation Group, Greyhound Lines, and Martz Trailways. Several taxi companies and private bus shuttles have a presence at the Transportation Center. The Schuylkill River Trail, which connects Philadelphia to Pottstown and runs through downtown Norristown, also passes through the NTC complex. The Chester Valley Trail will also connect to the Transportation Center in the future.
Electricity and natural gas in Norristown is provided by PECO Energy Company, a subsidiary of Exelon. Water is provided by Pennsylvania American Water, a subsidiary of American Water. The Norristown Municipal Waste Authority provides sewer service, operating collection sewers and a wastewater treatment plant. Trash and recycling collection is provided under contract by J.P. Mascaro.
The Times Herald is the borough’s daily newspaper, printing seven days a week and serving most of Montgomery County. Founded on June 15, 1799, it is currently owned by 21st Century Media. The paper’s staff offices are located within the municipality.
Despite the loss of its historic movie and vaudeville theaters, Norristown is home to two performing arts centers (the Montgomery County Cultural Center and Centre Theatre) and one professional theater company, Theatre Horizon. All are part of The Theatre Alliance of Greater Philadelphia and the Greater Philadelphia Cultural Alliance.
These theaters form the nucleus for Norristown Arts Hill, a collection of theaters, art galleries, and professional firms on the 300-500 blocks of DeKalb Street in downtown.
Styles of ethnic food available on Norristown’s Main Street include Korean/Japanese, Chinese, Mexican, Ethiopian, Vietnamese, and Italian.
Norristown has seen several new office buildings constructed or rehabbed over the last several decades. One Montgomery Plaza, the municipality’s iconic downtown 10-story office building, was built in the early 1970s, and is now owned by Montgomery County. Two newer mid-rise downtown office buildings, the Montgomery County Intermediate Unit Building and the Department of Environmental Protection Building, were built in the 1990s and early 2000s. In 2009, the historic former Bell Telephone building was completely renovated for offices, and that same year the U.S. Roofing Corporation rehabbed the former Conte Luna pasta factory on East Main Street to house their operations. The former Sears building at the Studio Centre shopping center in the North End was renovated as a modern office center.
Since the early 2000s, the Regatta Apartments, the Rittenhouse condominium building, the Luxor, and dozens of new townhouses have contributed to a residential boom in the East End.
Two new downtown parking garages were built in the late 2000s, one at Main and Cherry Streets for visitors and another at SEPTA’s Norristown Transportation Center on Lafayette Street. Several large downtown and neighborhood streetscape projects were completed by the municipal government to install new street lighting, trees, curbing, and sidewalks along Main Street, DeKalb Street, and Powell Street.
The Lafayette Street Extension Project, a $60 million effort by Montgomery County, PennDOT, and the Federal Highway Administration (FHWA), is now open to traffic. It has improved highway access and mobility into downtown Norristown by widening Lafayette Street and extending it eastward toward Ridge Pike and Conshohocken, with eventual connections to the Pennsylvania Turnpike (I-276) and the US 202 Dannehower Bridge.
Norristown Area School District is the local school district.
St. Francis of Assisi School is located in Norristown proper.
Other area Catholic schools include Visitation B.V.M. School in West Norriton Township, near the Trooper census-designated place and near Norristown; Holy Rosary Regional Catholic School in Plymouth Meeting and Plymouth Township; and Mother Teresa Regional Catholic School in King of Prussia. Holy Rosary was formed in 2012 by the merger of St. Titus School in East Norriton, Epiphany of Our Lord School in Plymouth Meeting, and Our Lady of Victory in East Norriton. Mother Teresa formed in 2012 by the merger of St. Teresa of Avila in West Norriton and Mother of Divine Providence in King of Prussia. Both St. Titus and St. Teresa had Norristown, Pennsylvania postal addresses but were not in the city proper.