Owner Operator Insurance Requirements Penn Hills, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Penn Hills, 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 Penn Hills, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Penn Hills, 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.
Penn Hills is a township with home rule status in Allegheny County, Pennsylvania, United States. The population was 41,059 as of the 2020 census. A suburb of Pittsburgh, Penn Hills is the second-largest municipality in Allegheny County.
In 1788, when Allegheny County was formed, the area now known as Penn Hills was part of Pitt Township. On January 16, 1850, Robert Logan, Thomas Davison and Daniel Bieber were appointed by the court to review the boundaries of a new township to be formed from the northern part of Wilkins. This new township was formed and named Adams, until August 1850 when the action of the court was reconsidered to change the name to McNair Township. The name was again changed to Penn Township by Act of Assembly and approved on February 10, 1851. In 1958 Penn Township became Penn Hills Township, and in 1976 Penn Hills became a home rule municipality. The earliest population was given in 1860, when there were 1,821 people living in Penn Township. The population grew to 2,685 in 1870 and 3,291 in 1880.
Penn Hills is located at 40°28′34″N 79°50′0″W / 40.47611°N 79.83333°W (40.476218, -79.833302). According to the U.S. Census Bureau, the township has a total area of 19.3 square miles (50 km), of which 19.0 square miles (49 km) is land and 0.3 square miles (0.78 km), or 1.40%, is water. Penn Hills uses the ZIP codes of 15235 and 15147; and the community is within area codes 412 and 878.
Neighborhoods within Penn Hills include Blackridge, Churchill Valley, Crescent Hills, Eastmont, Eastvue, Laketon Heights, Lincoln Park, Milltown, Nadine, Newfield, North Bessemer, Penn Ridge, Point Breeze, Rosedale, Sandy Creek, Shannon Heights, Universal, Valemont Heights, Gascola, Shadow Shuttle, Frankstown West, Frankstown Estates, Eastwood, and Verona Hilltop.
Penn Hills is bordered to the north by the Allegheny River. In addition, the waterways listed below flow through the Municipality:
Penn Hills has ten land borders, including Verona and Oakmont to the north, Plum Borough to the east and northeast, Monroeville to the southeast, Wilkins Township, Churchill and Wilkinsburg to the south and the Pittsburgh neighborhoods of East Hills to the south, Homewood North to the southwest and Lincoln–Lemington–Belmar to the west.
The Allegheny River borders Penn Hills to the northwest with two neighborhoods running adjacent across the way: O’Hara Township and the borough of Blawnox.
As of the census of 2010, there were 42,329 people living in the township. The population density was 2,268.2 inhabitants per square mile (875.8/km). There were 20,355 housing units at an average density of 1,069.8 per square mile (413.1/km). The racial makeup of the township was 60.03% (25,398) White, 37.03% (15,668) African American, 0.98% (409) Asian, 0.01% (4) Pacific Islander, 0.55% from (232) other races. Hispanic or Latino of any race were 1.41% (598) of the population. There is a sizable Italian American population in the township.
There were 19,490 households, out of which 26.3% had children under the age of 18 living with them, 51.1% were married couples living together, 13.5% had a female householder with no husband present, and 31.9% were non-families. 28.2% of all households were made up of individuals, and 13.2% 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 2.91.
In the township the population was spread out, with 21.7% under the age of 18, 6.3% from 18 to 24, 27.0% from 25 to 44, 25.3% from 45 to 64, and 19.7% who were 65 years of age or older. The median age was 42 years. For every 100 females there were 88.6 males. For every 100 females age 18 and over, there were 84.0 males.
The median income for a household in the township was $39,960, and the median income for a family was $46,971. Males had a median income of $36,143 versus $27,331 for females. The per capita income for the township was $20,161. About 5.6% of families and 7.5% of the population were below the poverty line, including 10.8% of those under age 18 and 6.2% of those age 65 or over.
The Penn Hills Government Center is located at 102 Duff Road. This is the home to all municipal offices, including the Penn Hills Police Department and Penn Hills EMS. All public safety divisions are dispatched by Allegheny County 911.
Penn Hills Volunteer Fire Department
Station 1 – 7520 Mt. Carmel Rd
Station 2 – 5806 Verona Rd
Station 3 – 1701 Leechburg Rd
Station 4 – 1002 Center Ave
Station 5 – 2797 Robinson Blvd
Station 6 – 2240 Main St – CLOSED – DE-CERTIFIED (2016)
Station 7 – 125 Universal Rd
Fire Marshal – 102 Duff Rd
Fire Academy – 102 Duff Rd
Penn Hills is served by the Penn Hills School District, which includes: Penn Hills Elementary School, Linton Middle School, and Penn Hills High School.
Interstate 376 runs through the southernmost part of Penn Hills, linking it and other eastern suburbs to downtown Pittsburgh.
Pennsylvania Route 791, more commonly referred to as Rodi Road, connects heavily traveled Frankstown Road (at PA-791’s northern terminus) with I-376 at its southern terminus. Numerous restaurants, fast food locations, stores, gas stations, and hotels can be found on Rodi, as many truckers and travelers using I-376 use the Penn Hills exit to refuel or stay overnight.
For air travel, Pittsburgh International Airport, located in the western portion of the county, is most commonly used. However, the Allegheny County Airport in West Mifflin is also still in use.
Several bus lines of the Port Authority of Allegheny County offer service to Downtown Pittsburgh, and the Port Authority also has several routes and “flyers” located in Penn Hills.
