Owner Operator Insurance Requirements Shaker Heights, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Shaker Heights, 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 Shaker Heights, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Shaker Heights, 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.
Shaker Heights is a city in Cuyahoga County, Ohio, United States. As of the 2020 census, the city’s population was 29,439. Shaker Heights is an inner-ring streetcar suburb of Cleveland, abutting the eastern edge of the city’s limits. Shaker Heights was a planned community developed by the Van Sweringen brothers, railroad moguls who envisioned the community as a suburban retreat from the industrial inner city of Cleveland.
In July 1911, a petition by property owners was successful in detaching a long strip of land from the south of Cleveland Heights, to be named Shaker Village. In November 1911, the voters of Shaker Village formed Shaker Heights Village, which was incorporated in January 1912.
Shaker Heights was established in 1909, and incorporated as a village in 1912. Shaker Heights is home to the oldest house in Cuyahoga County, built in 1817 by Moses Warren. The name “Shaker Heights” has origins in two local sources. The community was laid out on land formerly owned by the North Union Community of the United Society of Believers in Christ’s Second Appearing, more commonly known as Shakers. “Heights” refers to the plateau east of Cleveland that rises sharply in elevation from 582 feet above sea level at the base of the Cedar Glen Parkway rising to 950 feet above sea level in nearby Cleveland Heights; Shaker Heights’ elevation is 1050 feet above sea level.
Ralph Russell established the North Union Shaker Settlement in 1822 with just over 80 individuals. Between 1826 and 1854, the group dammed Doan Brook, which made Upper and Lower Lake, and established three grist and a sawmills. The colony peaked around 1850 with about 300 settlers, faded away and was closed in 1889.
In 1905, the land was bought by brothers M.J. and O.P. Van Sweringen who envisioned the first garden styled suburb in Ohio for the site. The brothers constructed homes, set aside land for churches and schools, and planted trees. Originally referred to as Shaker Village, the community was incorporated in 1912 and reached city status in 1931.
Shaker Heights is known for its stringent building codes and zoning laws, which have helped to maintain the community’s housing stock and identity throughout the years. Approximately seventy-five percent of the city of Shaker Heights is listed on the National Register of Historic Places as the Shaker Village Historic District.
Efforts toward integration began in the late 1950s with neighbors in the Ludlow Elementary School area working together to make integration successful. As a result, Shaker Heights avoided many of the problems created from practices such as blockbusting and white flight. In 1986, the city began a Fund for the Future of Shaker Heights, offering loans for down payments for residents buying homes in segregated neighborhoods, creating multi-ethnic neighborhoods. Today, the city maintains a housing assistance office that works with home buyers to achieve and maintain neighborhood integration.
Shaker Heights was a finalist for the All-America City Award in 1989.
Shaker Heights is located at 41°28′35″N 81°33′6″W / 41.47639°N 81.55167°W. According to the United States Census Bureau, the city has a total area of 6.32 square miles (16.37 km), of which 6.28 square miles (16.27 km) is land and 0.04 square miles (0.10 km) is water.
Shaker Heights is roughly 1,050 feet (320 m) above sea level, and is located about 6 miles (10 km) inland from Lake Erie. Shaker Heights is drained by the Doan Brook watershed, and has several small artificial lakes: Horseshoe Lake, Green Lake, Lower Shaker Lake, and Marshall Lake. Horseshoe Lake and Lower Shaker Lake had been dammed by the Shakers, while developers added Green Lake and Marshall Lake, the latter named after drugstore chain owner W. A. Marshall, at a later point.
Shaker Heights is one of Greater Cleveland’s older inner-ring or “first” suburbs, and borders Cleveland, Cleveland Heights, University Heights, Beachwood, Highland Hills, and Warrensville Heights. Shaker Heights is a member of the Northeast Ohio First Suburbs Consortium.
There are nine neighborhoods in Shaker Heights, all of which were named after the nine original elementary schools. These neighborhoods are:
Shaker Square is in the city of Cleveland, though, in an agreement between the Shaker Heights and Cleveland schools made in September 1912, is in the Shaker Heights City School District.
As of the 2010 census, there were 28,448 people, 11,840 households, and 7,716 families residing in the city. The population density was 4,529.9 inhabitants per square mile (1,749.0/km). There were 13,318 housing units at an average density of 2,120.7 per square mile (818.8/km). The racial makeup of the city was 55.0% White, 37.1% African American, 0.1% Native American, 4.6% Asian, 0.6% from other races, and 2.7% from two or more races. Hispanic or Latino of any race were 2.2% of the population.
There were 11,840 households, of which 34.4% had children under the age of 18 living with them, 46.8% were married couples living together, 15.3% had a female householder with no husband present, 3.1% had a male householder with no wife present, and 34.8% were non-families. 31.1% of all households were made up of individuals, and 12.6% had someone living alone who was 65 years of age or older. The average household size was 2.39 and the average family size was 3.03.
The median age in the city was 40.9 years. 26.7% of residents were under the age of 18; 5.8% were between the ages of 18 and 24; 23.1% were from 25 to 44; 29% were from 45 to 64; and 15.5% were 65 years of age or older. The gender makeup of the city was 45.2% male and 54.8% female.
The median income for a household in the city was $76,476, and the median income for a family was $105,660. The per capita income for the city was $47,360. About 5.3% of families and 8.6% of the population were below the poverty line, including 8.1% of those under age 18 and 6.5% of those age 65 or over. The unemployment rate in the city is 5.4%, one of the lowest rates for individual cities included in data provided by the Ohio Department of Job and Family Services.
About 93.5% of residents speak English natively at home, while 1.6% speak Spanish, 1.2% speak French, 0.7% speak Chinese, and 3.0% speak another language, including German, Russian and Arabic.
Educationally, Shaker Heights is above the national, state, and local averages for residents who have attained a bachelor’s, master’s, or above a master’s degree. As of the 2010 Census, 64.5% of the city’s population over the age of 25 had obtained a college degree compared to 28.6% of the same population in Cuyahoga County, 24.1% statewide, and 27.9% nationally.
The Shaker Heights City Charter was adopted in 1931 and revised in 1974, 1986, and 1999. This charter provides for a mayor and seven members of a city council, elected on an at-large, non-partisan basis. The current mayor of Shaker Heights is David Weiss. He was elected in 2018 after serving briefly as interim mayor to fulfill the term of the previous three-term mayor Earl Leiken, who resigned to take the position of chief of staff with Cuyahoga County Executive Armond Budish. In 2019, David Weiss ran unopposed and was re-elected to a four-year term as mayor. Council members are elected to four-year terms, with four of the elections coinciding with mayoral elections and the other three two years later in order to stagger terms.
The Neo-Georgian city hall, designed by Charles Schneider, was built in 1930.
Over the years it has hosted 12 Keys to the city ceremonies starting in 1935 to Oris Paxton Van Sweringen and ending in 1993 to Dean Yoder.
Shaker Heights is entirely within the Eleventh Congressional District, a seat in the House of Representatives, represented by Shontel Brown (D). At the state level, Shaker Heights is located within the 21st senatorial district, represented by Kent Smith (D) in the Ohio Senate, and in the 22nd District of the Ohio House of Representatives, represented by Juanita Brent (D).
Publicly, Shaker Heights is served by the Shaker Heights City School District, a K-12 district with an enrollment of about 5,600 students in eight total schools. There are five lower elementary schools, Fernway, Mercer, Boulevard, Lomond and Onaway; an upper elementary school, Woodbury Elementary School; Shaker Heights Middle School; and Shaker Heights High School. The district estimates that roughly 90% of Shaker graduates attend college, and has been recognized for its efforts to increase neighborhood integration. In the 1950s, the public school system was rated in the top ten nationally. According to the 2007-2008 State of Ohio Report Card, Shaker scored 97.1 out of a possible 120. The district is listed as “Effective,” the third tier on a 6 tier scale. On the other hand, since 1995, 9-17% of seniors at Shaker Heights High School have been recipients of National Merit Scholarship awards, and in 2008, the high school had twice as many National Merit Scholarship winners as any other public school in the state. This can possibly be explained in a 2009 survey of the school, which said that Shaker Heights High School “is really two schools – one school with students in an outstanding Advanced Placement program and one school with students with academic needs.”
Private schools in the city include Laurel School, Hathaway Brown School, and the lower campus of University School. There is also a parochial school in Shaker, St. Dominic School.
John Carroll University is partially located in Shaker Heights, with the university owning several residential and commercial properties in the city. Additionally, Shaker Heights is in proximity to University Circle, which is home to Case Western Reserve University, The Cleveland Institute of Art, and the Cleveland Institute of Music.
The Japanese Language School of Cleveland (クリーブランド日本語補習校, Kurīburando Nihongo Hoshūkō), a weekend Japanese school, holds its classes at the Shaker Heights campus of the Laurel School.
Two light rail lines of the GCRTA pass through and terminate in Shaker Heights. The Blue Line cuts through the median of Van Aken Boulevard, while the Green Line cuts through the median of Shaker Boulevard. The Blue and Green lines provide direct rail service to Cleveland, and are each the direct successors of former streetcar services established in 1920 and 1913 respectively. The city of Shaker Heights directly owned and operated these Shaker Heights Rapid Transit services between 1944 and 1975.
Shaker Heights is the city of license for CBS affiliate WOIO, channel 19, which has its studios and offices in Cleveland.
Shaker Heights news appears in the Cleveland daily newspaper, The Plain Dealer, as well as The Shakerite, the Shaker Heights High School student newspaper. The Sun Press, a weekly, provides local coverage of Shaker Heights and neighboring Beachwood, Cleveland Heights, and University Heights.
Shaker Heights is the hometown of How I Met Your Mother protagonist Ted Mosby, Ward Cleaver from the TV series Leave it to Beaver, and the World Wrestling Federation’s Beverly Brothers.
The city is the principal setting for Celeste Ng’s book Little Fires Everywhere, as well as its TV adaptation.
Shaker Heights and its history are also the setting and a main plot point in No One’s Home by D.M. Pulley.