Owner Operator Insurance Requirements South Brooklyn, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements South Brooklyn, 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 South Brooklyn, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in South Brooklyn, 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.
Old Brooklyn is a neighborhood on the West Side of Cleveland, Ohio, United States, located approximately five miles south of downtown Cleveland. It extends east-to-west from the Cuyahoga River to the city of Brooklyn and north-to-south from the Brookside Park Valley to the city of Parma. It is home to the Cleveland Metroparks, including the Cleveland Zoo; the Jesse Owens tree at James Ford Rhodes High School; and the Benjamin Franklin Community Garden, the largest urban community garden in Cuyahoga County. Old Brooklyn has recently adopted the slogan “Old Brooklyn, a great place to grow” to commemorate its history and potential growth.
The first instance of European habitation in the Old Brooklyn vicinity occurred in 1790, when fur trader Joseph Du Shattar established a trading post on the west bank of the Cuyahoga River, across from the area that became Newburgh.
Originally a portion of Brooklyn Township, the area was settled permanently in 1814 as the hamlet of Brighton, centered at the present-day intersection of Pearl and Broadview Roads. The Brighton area was incorporated as South Brooklyn Village in 1889 and then annexed with other surrounding villages by the City of Cleveland during the years of 1905–1927.
During the late 1880s, farmers in Old Brooklyn’s Schaaf Road area (also known as South Hills) and the neighboring Village of Brooklyn Heights were among the first in the Midwest to use greenhouses to cultivate vegetables. By the 1920s the neighborhood was one of the nation’s leading producers of greenhouse vegetables, with more than 100 acres (0.40 km) under glass. Most of the greenhouses were displaced, beginning about 1960, by new housing and the construction of Ohio Rt. 176 (Jennings Freeway).
Commercial development in Old Brooklyn reached its apex during the period of 1920–1960. Shopping districts spread along Pearl, Broadview, and State Roads and were followed, after World War II, by the development of shopping plazas at the intersections of Memphis-Fulton, Broadview-Brookpark, and Pearl-Brookpark. The original Honey Hut ice cream shop, a favorite of many West-siders, can be found on State Road near the south end of the community.
The most ambitious period of residential construction extended from the early 20th century to the 1950s. During the 1980s and 1990s, residential development experienced a resurgence, particularly in the South Hills and Jennings Road areas. Housing values in Old Brooklyn, today, are among the highest within Cleveland proper.
Old Brooklyn’s most notable landmark, the Cleveland Metroparks Zoo, was created in 1907 when Cleveland’s Park Board relocated the Zoo from University Circle on Cleveland’s east side to Brookside Park. The 145-acre park lies entirely within Old Brooklyn and is one of the 16 nature preserve reservations of the Cleveland Metroparks system.
Brookside Park also has a place in sporting lore, having hosted the reputedly largest baseball crowd in Cleveland’s history, when the White Autos of Cleveland met Omaha in the World Amateur Baseball Championship. On October 10, 1915, a reported crowd of 115,000 sprawled along and below the park’s northern bluff, directly west of today’s Fulton Road Bridge, and cheered as the home team seized the day.
The Jeremiah Gates Home, built in 1820 and located at 3506 Memphis Avenue, is believed to be the oldest residence in Old Brooklyn. Other notable landmarks include the Brooklyn-Brighton Bridge, the Estabrook Recreation Center, and the Italian Gothic-style Our Lady of Good Counsel Church (now called Mary Queen of Peace) atop Pearl Road Hill.
Old Brooklyn is a part of the Cleveland Metropolitan School District. Schools in the neighborhood include: Charles A. Mooney School, William C. Bryant Elementary, Benjamin Franklin Elementary, William Rainey Harper, James Ford Rhodes High, Facing History New Tech, Cleveland Preparatory Academy, Constellation Schools: Old Brooklyn Community Elementary and Middle, Mary Queen of Peace, Luther Memorial, Saint Mary’s, and St. Leo’s schools.
The neighborhood’s secondary students generally attend James Ford Rhodes High School, whose graduates include 1944 Heisman Trophy winner Les Horvath, anti-establishment poet D. A. Levy, and television star Drew Carey.The Drew Carey Show’s “Warsaw Tavern” was patterned after a bar near the Memphis-Fulton intersection, which hosts one of the highest concentrations of bars and restaurants in Greater Cleveland.
Old Brooklyn encompasses all of Cleveland’s Ward 13, and the southwestern portion of Ward 12.
The Treadway Creek Greenway Restoration project, completed in 2008, restored and preserved 21 acres (0.085 km) of riparian corridor and open space along Treadway Creek. The project included the construction of a multi-purpose trail connecting Harmody Park to the Ohio and Erie Canal National Heritage Corridor’s Towpath Trail. Other plans include a connector linking the Towpath Trail with the Cleveland Metroparks Zoo, as well as transit service and streetscape improvements.
In 2020, the Cleveland Metroparks approved development of a 26-acre park space named Brighton Park, with a connection to the trails from the Towpath to the Zoo, atop the former Henninger Landfill site.
41°25′54″N 81°42′08″W / 41.431559°N 81.702332°W
