Owner Operator Insurance Requirements Strongsville, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Strongsville, 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 Strongsville, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Strongsville, 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.
Strongsville is a city in Cuyahoga County, Ohio, United States, and a suburb of Cleveland. As of the 2020 census, the city population was 46,491.
The city’s nickname, ‘Crossroads of the Nation,’ originated from the intersection between the Baltimore and Ohio Railroad and Southwestern Electric Line that connected Cleveland and Wooster, Ohio. As the railroad line ceased operation in 1931, the motto and city seal have been adapted to reflect the modern day intersection of Interstate 71 and the Ohio Turnpike.
Strongsville officially became a township on February 25, 1818, a village in 1923, and was ultimately designated a city in 1961. Founded by settlers arriving in the newly purchased Connecticut Western Reserve, the city was named after John Stoughton Strong, the group’s leader. Many of the main streets in the city are named after other principal figures and landowners from the city’s history, e.g. Howe, Drake, Shurmer, Whitney.
In the mid-19th century, the Pomeroy House, then called The Homestead, was a stop on the underground railroad. Alanson Pomeroy, the home owner and a prominent Strongsville resident, concealed runaway slaves on his property. From this residence in Strongsville, the runaway slaves were taken to boats on Rocky River for passage to Canada.
In 1853, John D. Rockefeller’s family moved to Strongsville. At the time, Rockefeller was only a child.
On April 11, 1965, an F4 tornado hit Strongsville; see 1965 Palm Sunday tornado outbreak.
Strongsville is located at 41°18′46″N 81°49′55″W / 41.31278°N 81.83194°W (41.312752, -81.831976).
According to the United States Census Bureau, the city has a total area of 24.64 square miles (63.82 km), of which 24.63 square miles (63.79 km) is land and 0.01 square miles (0.03 km) is water. The east branch of the Rocky River enters Strongsville from North Royalton and exits into Berea. Valley Parkway parallels the river’s northwesterly course. This portion of the Cleveland Metroparks, named Mill Stream Run, includes Bonnie Park and Ranger Lake. Abutting the Rocky River, the recreation area offers visitors a pavilion, picnicking facilities, two small ponds, and several sport fields. Bonnie Park serves as a hub for hiking, bridle, and paved multi-purpose trails.
The median income for a household in the city was $68,660, and the median income for a family was $76,964 (these figures had risen to $79,715 and $90,870 respectively as of a 2007 estimate). Males had a median income of $54,988 versus $33,129 for females. The per capita income for the city was $29,722. About 1.3% of families and 2.2% of the population were below the poverty line, including 1.7% of those under age 18 and 3.7% of those age 65 or over.
Of the city’s population over the age of 25, 41.6% held a bachelor’s degree or higher.
As of the census of 2010, there were 44,750 people, 17,659 households, and 12,563 families living in the city. The population density was 1,816.9 inhabitants per square mile (701.5/km). There were 18,476 housing units at an average density of 750.1 per square mile (289.6/km). The racial makeup of the city was 92.0% White, 1.9% African American, 0.1% Native American, 4.1% Asian, 0.4% from other races, and 1.4% from two or more races. Hispanic or Latino of any race were 2.0% of the population.
There were 17,659 households, of which 31.5% had children under the age of 18 living with them, 60.5% were married couples living together, 7.4% had a female householder with no husband present, 3.2% had a male householder with no wife present, and 28.9% were non-families. 24.9% of all households were made up of individuals, and 10.9% had someone living alone who was 65 years of age or older. The average household size was 2.52 and the average family size was 3.04.
The median age in the city was 44.2 years. 23.3% of residents were under the age of 18; 6.4% were between the ages of 18 and 24; 21.6% were from 25 to 44; 32.5% were from 45 to 64; and 16.1% were 65 years of age or older. The gender makeup of the city was 48.6% male and 51.4% female.
As of the census of 2000, there were 43,858 people, 16,209 households, and 12,383 families living in the city. The population density was 1,779.6 inhabitants per square mile (687.1/km). There were 16,863 housing units at an average density of 684.2 per square mile (264.2/km). The racial makeup of the city was 94.18% White, 1.26% African American, 0.05% Native American, 3.21% Asian, 0.01% Pacific Islander, 0.28% from other races, and 1.03% from two or more races. Hispanic or Latino of any race were 1.27% of the population.
There were 16,209 households, out of which 35.9% had children under the age of 18 living with them, 67.5% were married couples living together, 6.4% had a female householder with no husband present, and 23.6% were non-families. 19.9% of all households were made up of individuals, and 7.0% had someone living alone who was 65 years of age or older. The average household size was 2.69 and the average family size was 3.13.
In the city, the population was spread out, with 26.3% under the age of 18, 6.2% from 18 to 24, 28.5% from 25 to 44, 27.6% from 45 to 64, and 11.4% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 95.3 males. For every 100 females age 18 and over, there were 92.3 males.
The current mayor, Thomas Perciak, was elected in November 2003 following the death of longtime mayor Walter F. Ehrnfelt on May 25, 2003.
Strongsville High School serves students in grades 9 through 12. The city’s five elementary schools serve pre-kindergarten through 5th grade: Chapman, Kinsner, Muraski, Surrarrer, and Whitney. With Strongsville’s younger student population on the decline, three elementary schools, Allen, Drake and Zellers, closed their doors in recent years. A private Catholic school, St. Joseph and John’s, serves children through the 8th grade. In 2012, citizens approved a bond issue for $81 million. The bond money was used to build a new middle school, combining the old Center and Albion middle schools, renovations to the high school, technology upgrades to the elementary schools, and renovations to the preschool. The new middle school was built just in time for the 2016–2017 school year.
The Strongsville City Teachers’ Strike was a labor strike organized by the Strongsville Education Association that lasted for eight weeks.
The strike commenced at 12:01 a.m. on March 4, 2013. The dispute is over a number of issues, notably teacher contracts, pay step increases, health insurance premium costs, and general working conditions. The Strongsville Education Association claims the Board does have the money to meet the teachers’ salary requirements, but that “the ‘projection’ figures released by the Board on its website are no more than arbitrary, meaningless figures.” The Strongsville Board of Education attests that the district is currently “operating in the red”, meaning the district budget deficit will increase drastically if the status quo remains. Several rounds of negotiations over said issues between the S.E.A. and the B.O.E. have taken place since March 2010. The strike ended after eight weeks.
