Owner Operator Insurance Requirements Winchester, Virginia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Winchester, Virginia. 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 Winchester, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Winchester, Virginia 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.
Winchester is the northwesternmost independent city in the Commonwealth of Virginia, United States. It is the county seat of Frederick County, although the two are separate jurisdictions. As of the 2020 census, the city’s population was 28,120. It is the principal city of the Winchester metropolitan area extending into West Virginia, which is a part of the Washington–Baltimore combined statistical area. Winchester is home to Shenandoah University and the Museum of the Shenandoah Valley.
Indigenous peoples lived along the waterways of present-day Virginia for thousands of years before European contact. Archeological, linguistic and anthropological studies have provided insights into their cultures. Though little is known of specific tribal movements before European contact, the Shenandoah Valley area, considered a sacred common hunting ground, appears by the 17th century to have been controlled mostly by the local Iroquoian-speaking groups, including the Senedo and Sherando. The Algonquian-speaking Shawnee began to challenge the Iroquoians for the hunting grounds later in that century. The explorers Batts and Fallam in 1671 reported the Shawnee were contesting with the Iroquoians for control of the valley and were losing. During the later Beaver Wars, the powerful Iroquois Confederacy from New York (particularly Seneca from the western part of the territory) subjugated all tribes in the frontier region west of the Fall Line.
By the time European settlers arrived in the Shenandoah Valley around 1729, the Shawnee were the principal occupants in the area around Winchester. During the first decade of white settlement, the valley was also a conduit and battleground in a bloody intertribal war between the Seneca and allied Algonquian Lenape from the north, and their distant traditional enemies, the Siouan Catawba in the Carolinas. The Iroquois Six Nations finally ceded their nominal claim to the Shenandoah Valley at the Treaty of Lancaster (1744). The treaty also established the right of colonists to use the Indian Road, later known as the Great Wagon Road.
The father of the historical Shawnee chief Cornstalk had his court at Shawnee Springs, near today’s Cross Junction, Virginia, until 1754. In 1753, on the eve of the French and Indian War (Seven Years’ War), messengers came to the Shawnee from tribes further west, inviting them to leave the Valley and cross the Alleghenies, which they did the following year. The Shawnee settled for some years in the Ohio Country before being forced by the US government under Indian Removal in the 1830s to remove to Indian Territory.
French Jesuit expeditions may have first entered the valley as early as 1606, as the explorer Samuel de Champlain made a crude map of the area in 1632. The first confirmed exploration of the northern valley was by the explorer John Lederer, who viewed the region from the current Fauquier and Warren County line on August 26, 1670. In 1705 the Swiss explorer Louise Michel and in 1716 Governor Alexander Spotswood did more extensive mapping and surveying. In the late 1720s, Governor William Gooch promoted settlement by issuing large land grants. Robert “King” Carter, manager of the Lord Fairfax proprietorship, acquired 200,000 acres (810 km). This combination of events directly precipitated an inrush of settlers from Pennsylvania and New York, made up of a blend of Quakers and German and Scots-Irish homesteaders, many of them new immigrants. The Scots-Irish comprised the most numerous group of immigrants from the British Isles before the American Revolutionary War.
The settlement of Winchester began as early as 1729, when Quakers such as Abraham Hollingsworth migrated up (south) the Great Valley along the long-traveled Indian Path (later called the Great Wagon Road by the colonists) from Pennsylvania. He and others began to homestead on old Shawnee campgrounds. Tradition holds that the Quakers purchased several tracts on Apple-pie Ridge from the natives, who did not disturb those settlements. The first German settler appears to have been Jost Hite in 1732, who brought ten other families, including some Scots-Irish. Though Virginia was an Anglican colony, Governor William Gooch had a tolerant policy on religion. The availability of land grants brought in many religious families, who were often given 50-acre (200,000 m) plots through the sponsorship of fellow-religious grant purchasers and speculators. As a result, the Winchester area became home to some of the oldest Presbyterian, Quaker, Lutheran and Anglican churches in the valley. The first Lutheran worship was established by Rev. John Casper Stoever Jr., and Alexander Ross established Hopewell Meeting for the Quakers. By 1736, Scots-Irish built the Opequon Presbyterian Church in Kernstown.
A legal fight erupted in 1735 when Thomas Fairfax, Sixth Lord Fairfax came to Virginia to claim his land grant. It included “all the land in Virginia between the Rappahannock and the Potomac rivers”, an old grant from King Charles II which overlapped and included Frederick County. It took some time for land titles to be cleared among early settlers.
By 1738 these settlements became known as Frederick Town. The county of Frederick was carved out of Orange County. The first government was created, consisting of a County Court as well as the Anglican Frederick Parish (for purposes of tax collection). Colonel James Wood, an immigrant from Winchester, England, was the first court clerk and had been a surveyor for Orange County, Virginia. He contracted for his own home Glen Burnie homstead around 1737, and it may have been used for early government business. Wood laid out 26 half-acre (2,000 m²) lots in 1744. The County Court held its first session on November 11, 1743, where James Wood served until 1760. Lord Fairfax, understanding that possession is 9/10ths of the law, built a home here (in present-day Clarke County) in 1748.
In February 1752, the Virginia House of Burgesses granted the fourth city charter in Virginia to ‘Winchester’ as Frederick Town was renamed after Colonel Wood’s birthplace in England. In 1754, Abraham Hollingsworth built the local residence called Abram’s Delight, which served as the first local Quaker meeting house. George Washington spent a good portion of his young life in Winchester helping survey the Fairfax land grant for Thomas Fairfax, Sixth Lord Fairfax, as well as performing surveying work for Colonel Wood. In 1758 Wood added 158 lots to the west side of town. In 1759 Thomas Lord Fairfax contributed 173 more lots to the south and east.
General Edward Braddock’s expeditionary march to Fort Duquesne crossed through this area in 1755 on the way to Fort Cumberland. Knowing the area well from work as a surveyor, George Washington accompanied General Braddock as his aide-de-camp. Resident Daniel Morgan joined Braddock’s Army as a wagoner on its march to Pennsylvania. In 1756, on land granted by James Wood, Colonel George Washington designed and began constructing Fort Loudoun, which ultimately covered 0.955 acres (3,860 m) in present-day downtown Winchester on North Loudoun Street. Fort Loudoun was occupied and manned with guns until the start of the American Revolutionary War.
During this era, a jail was built in Winchester. It occasionally held Quakers from many parts of Virginia who protested the French and Indian War and refused to pay taxes to the Anglican parish. While their cousins in Pennsylvania dominated politics there, Virginia was an Anglican colony and did not tolerate pacifism well. The strong Quaker tradition of pacifism against strong Virginia support for this war and the next, led to long-term stifling of the Quaker population. Winchester became a gateway to Quaker settlements further west; by the mid-19th century, the Quaker population was a small minority here.
During the war in 1758, at the age of 26, Colonel George Washington was elected to represent Frederick County to the House of Burgesses. Daniel Morgan later served as a ranger protecting the borderlands of Virginia against Indian raids, returning to Winchester in 1759. Following the war, from 1763 to 1774 Daniel Morgan served in Captain Ashby’s company and defended Virginia against Pontiac’s Rebellion and Shawnee Indians in the Ohio valley (that part now in West Virginia).
During the Revolutionary War, the Virginia House of Burgesses chose local resident and French and Indian War veteran Daniel Morgan to raise a company of militia to support General George Washington’s efforts during the Siege of Boston. He led the 96 men of “Morgan’s Sharpshooters” from Winchester on July 14, 1775, and marched to Boston in 21 days. Morgan, Wood, and others also performed duties in holding captured prisoners of war, particularly Hessian soldiers. Hessian soldiers were known to walk to the high ridge north and west of town, where they could purchase and eat apple pies made by the Quakers. The ridge became affectionately known as Apple Pie Ridge. The Ridge Road built before 1751 leading north from town was renamed Apple Pie Ridge Road. The local farmers found booming business in feeding the Virginia Militia and fledgling volunteer American army.
Following the war, the town’s first newspapers, The Gazette and The Centinel, were established. Daniel Morgan continued his public service, being elected to one term in the U.S. House of Representatives (1797–1799).
Winchester and the surrounding area were the site of numerous battles during the American Civil War, as the Confederate and Union armies strove to control that portion of the Shenandoah Valley. Seven major battlefields are in the original Frederick County:
Within the city of Winchester:
Near the city of Winchester:
Winchester was a key strategic position for the Confederate States Army during the war. It was an important operational objective in Gen Joseph E. Johnston’s and Col Thomas J. “Stonewall” Jackson’s defense of the Shenandoah Valley in 1861, Jackson’s Valley Campaign of 1862, the Gettysburg Campaign of 1863, and the Valley Campaigns of 1864. Including minor cavalry raids and patrols, and occasional reconnaissances, historians claim that Winchester changed hands as many as 72 times and 13 times in one day. Battles raged along Main Street at points in the war. Union General Sheridan and Stonewall Jackson located their headquarters just one block apart at times.
At the north end of the lower Shenandoah Valley, Winchester was a base of operations for major Confederate invasions into the Northern United States. At times the attacks threatened the capital of Washington, D.C. The town served as a central point for troops conducting major raids against the Baltimore and Ohio Railroad, Chesapeake and Ohio Canal, and turnpike and telegraph paths along those routes and the Potomac River Valley. For instance, in 1861, Stonewall Jackson removed 56 locomotives and over 300 railroad cars, along with miles of track, from the B&O Railroad. His attack closed down the B&O’s main line for ten months. Much of the effort to transport this equipment by horse and carriage centered in Winchester.
During the war, Winchester was occupied by the Union Army for four major periods: by Major General Nathaniel Banks (March ? May 12 to 25, 1862, and June 4 to September 2, 1862), Major General Robert Milroy (December 24, 1862, to June 15, 1863), Major General Philip Sheridan (September 19, 1864, to February 27, 1865), and Major General Winfield Scott Hancock (February 27, 1865, to June 27, 1865). Major General Sheridan raided up the valley from Winchester, where his forces destroyed “2,000 barns filled with grain and implements, not to mention other outbuildings, 70 mills filled with wheat and flour” and “numerous head of livestock,” to lessen the area’s ability to supply the Confederates.
Numerous local men served with the Confederate Army, mostly as troops. Dr. Hunter McGuire was Chief Surgeon of the Second “Jackson’s” Corps of the Army of Northern Virginia. He laid the foundations for the future Geneva conventions regarding the treatment of medical doctors during warfare. Winchester served as a major center for Confederate medical operations, particularly after the Battle of Sharpsburg in 1862 and the Battle of Gettysburg in 1863. Among those who took part in battles at Winchester were future U.S. presidents McKinley and Hayes, both as officers in the Union IX Corps.
The United States assigned military presence to Winchester and other parts of the South during Reconstruction after the war. Winchester was part of the First Military District, commanded by Major General John Schofield. This period lasted until January 26, 1870.
Winchester was the first city south of the Potomac River to install electric light. In 1917 the Winchester and Western Railroad connected Winchester with Rock Enon Springs, moving both vacationers and supplies to the resort that is now Camp Rock Enon with far greater speed. Winchester is the location of the bi-annual N-SSA national competition, keeping the tradition of Civil War era firearms alive. A three-block section of downtown Loudoun Street was closed to vehicular traffic in the 1970s and is a popular pedestrian area featuring many boutiques and cafés. The street was repaved with brick and landscaped in 2013. Apple Blossom Mall opened in 1982.
In 1983, a tire dump in the area containing over seven million tires burned for nine months, polluting nearby areas with lead and arsenic. The location was cleaned up as a Superfund project between 1983 and 2002.
Winchester is located at 39°10′41″N 78°10′01″W / 39.178°N 78.167°W.
According to the United States Census Bureau, the city has a total area of 9.3 square miles (24 km), virtually all land.
It is in the Shenandoah Valley, located between the Blue Ridge Mountains and the Allegheny Mountains, and is 15 miles north-northeast of the northern peak of Massanutten Mountain. I-81 passes through the city, along with US 50, US 522, US 17, which ends in the city, and SR 7, which also ends in the city. The city is approximately 75 miles (121 km) to the west of Washington, D.C., 24 miles (39 km) south of Martinsburg, West Virginia, 25 miles (40 km) north of Front Royal, 118 miles (190 km) south of Harrisburg, PA and 180 miles (290 km) north of Roanoke.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Winchester has depending on which isotherm is used, either a humid continental climate or a humid subtropical climate, abbreviated “Cfa” on climate maps. The hardiness zone is 6b/7a.
Note: the US Census treats Hispanic/Latino as an ethnic category. This table excludes Latinos from the racial categories and assigns them to a separate category. Hispanics/Latinos can be of any race.
Companies based in Winchester include American Woodmark, Trex, and Rubbermaid Commercial Products. Federal agencies with operations in Winchester include the Federal Emergency Management Agency, the Federal Bureau of Investigation, and the United States Army Corps of Engineers.
According to the City’s 2016 Comprehensive Annual Financial Report, the top employers in the city are:
Winchester was home to Capitol Records’ East Coast Pressing Plant. Capitol Records Distribution Corporation announced in 1968 the purchasing of land in Winchester, Va for a new record processing plant. Along with this plant they built several houses, bought a few small business and later built a tape production plant. The Winchester plant began construction in 1968 and production in 1969. The plant initially had a workforce of 250 people. This plant complemented the other existing manufacturing facilities of Capitol Records in Scranton, PA, Jacksonville, FL and Los Angeles, CA.
In 1969 Capitol Records’ Pressing Plant in Scranton began phasing out its vinyl manufacturing in favor of the new Winchester plant. Records pressed here include the Beatles’ Abbey Road, Simon and Garfunkel’s The Concert in Central Park and Richard Pryor’s self-titled album. Capitol Records announced in late 1987 that it would end tape duplicating production in the US, in favor of offshore manufacturing, including in Winchester by early 1988, putting more than 500 employees out of work when they closed the Winchester plant.
Winchester is the location of the annual Shenandoah Apple Blossom Festival, which has existed since 1924. It is usually held during the first weekend in May. The festival includes a carnival, firework show, parades, several dances and parties, and a coronation where the Apple Blossom Queen is crowned. Local school systems and many businesses close the Friday of Apple Blossom weekend.
Winchester has more than 20 different “artistic” apples that are made of various materials including wood, rubber pipe, plaster, and paint. These apples were created in 2005 by occupants of the city, and were placed at a specific location at the artists’ request after being auctioned off. For example, a bright red apple with a large stethoscope attached to it was placed beside a much-used entrance to the Winchester Medical Center.
Winchester is home to the Winchester Royals, which is part of the Valley Baseball League, a National Collegiate Athletic Association-sanctioned collegiate summer baseball league in the Shenandoah Valley of Virginia.
Shenandoah University is located in Winchester and has numerous male and female sports in the Old Dominion Athletic Conference. Winchester is also home to the Winchester Speedway, a 3/8 mile clay oval track, which plays host to a number of touring series, such as the World of Outlaws Late Model Series, and the Lucas Oil Late Model Dirt Series.
Winchester’s follows a Council-Manager form of government. It is governed by the Common Council, an elected body within a ward system. The city is composed of four wards, each with 2 councilmen, with the city’s mayor serving as the ninth representative and leader of the council. While the council began as a 13-member board, it transitioned from 13 to 9, beginning in 2006 and ending in 2008.
Winchester Public Schools operates public schools, including John Handley High School.
The most prominent highway serving Winchester is Interstate 81. I-81 extends northeast to southwest, connecting Winchester to eastern Tennessee, southwestern Virginia, eastern West Virginia, western Maryland and central Pennsylvania. Other highways passing through Winchester include U.S. Route 11, U.S. Route 17, U.S. Route 50 and U.S. Route 522. These four highways follow city streets through downtown Winchester, with U.S. Route 17 coming to its northern terminus. Virginia State Route 7 also serves Winchester, terminating in downtown. Virginia State Route 37 bypasses the city to the west.
Winchester Transit provides weekday transit for the city of Winchester. Winchester Regional Airport provides general aviation and air taxi service to the area.
Winchester’s first sister city, Winchester, England, is where the Virginia town gets its name. During the Eisenhower administration, Winchester also formalized a sister city relationship with Ambato, Ecuador.