Owner Operators Commercial Truck Insurance Near Me Boardman, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Boardman, 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 Boardman, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Boardman, 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.
Boardman Township is one of the fourteen townships of Mahoning County, Ohio, United States. The population was 40,213 at the 2020 census. A suburb directly south of Youngstown, it is the second largest municipality in the Youngstown–Warren metropolitan area and is a major retail hub for the region.
The community of Boardman was founded by Elijah Boardman, a land agent of the Connecticut Land Company and later U.S. Senator, in the late 1790s as township 1, range 2 within the Connecticut Western Reserve. The township was formally established in 1806, although the township government lists it as 1805 on its seal, documents, and signage. It is the only Boardman Township statewide. Boardman was traditionally an agricultural community with grain crops and apple orchards throughout the 19th century. Around the turn of the century, the railroad led to Southern Park, a horse racing facility on Washington Boulevard. Thus, the area was an early draw for Youngstown urbanites. Because of its agricultural nature and proximity to Youngstown, Boardman was ripe for strip development starting as early as 1950. Around this time, the northern areas of the township were developed into suburban spillover from Youngstown’s south side.
Edward J. DeBartolo Sr., a shopping mall developer from Youngstown, began his company in Boardman. Boardman Plaza on U.S. Route 224 was one of the first strip malls in the country. Established in 1950 by DeBartolo, the plaza had three full-service grocery stores within a few hundred feet of each other. Today one must travel at least 3 miles (5 km) to get the same food service. Later, circa 1970, DeBartolo opened the more contemporary Southern Park Mall near the intersection of US 224 and Market Street. Also around 1950, the Youngstown Sheet and Tube Company, one of the largest steel manufacturers in the country, opened a headquarters complex in Boardman across from the DeBartolo Corporation. Here, a whole new “suburban” work environment was started; with a white shirt dress code, it was antiseptic and wholly removed from the dirt and grit of the steel mills farther north. When the Youngstown Sheet and Tube Company closed in 1977, a large campus was left for others to develop. Today, the former headquarters is the center of the Southwoods Health medical campus as well as a branch of Youngstown State University and various restaurants.
The fast food chain Arby’s opened its first location in Boardman in 1964. The chain moved to a new building in the 1990s across the street from the original building on Route 224 next to St. Charles Borromeo Catholic Church where it currently operates. The Arby’s is owned and operated by the now internationally known chain. The original building was occupied by a bird shop until 2021 and is now vacant.
The township has numerous listings on the National Register of Historic Places, including St. James Episcopal Church, the oldest structure in the township, Forest Lawn Memorial Park, Southern Park Stable, the Forest Glen Estates Historic District, the Mill Creek Park Historic District, and the Newport Village Historic District.
Centered at 41°2’20” North, 80°39’55” West in the central part of the county, it borders the following townships and municipalities:
There are no incorporated communities within Boardman Township, although a portion of it was formerly listed as the census-designated place of Boardman until 2020. Parts of the village of Poland in the east and the city of Youngstown in the northeast occupy areas originally zoned to Boardman Township. Within Boardman, there are numerous neighborhoods, including the Newport Village Historic District.
According to the United States Census Bureau, the township has a total area of 23.8 square miles (61.6 km), of which 23.5 square miles (60.9 km) is land and 0.27 square miles (0.7 km), or 1.11%, is water.
According to the 2019 American Community Survey and 2020 census, there were 40,213 people, 17,477 households, and 10,171 families residing in the township. The population density was 660.3 people per sq. km. The racial makeup of the township was 83.5% White, 7.51% African American, 1.82% Asian, 0.16% American Indian, 0.02% Pacific Islander, 1.23% from other races, and 5.72% from two or more races. Hispanic or Latino of any race were 4.76% of the population.
Boardman is a large, sprawling suburb. It is a busy community south of Youngstown composed of many businesses, being one of the main retail hubs of the Mahoning Valley. Its main competitor is the northern U.S. Route 422 “Strip” in Niles, Ohio, a similar suburb of Warren.
The primary corridor of development is along U.S. Route 224, with commercial space along almost the entirety of the township’s length of the road except a portion zoned to Mill Creek Park. Running north-south, Ohio State Route 7 is also a primary artery of commercial development, with important centers such as the St. Elizabeth Boardman Hospital located along this route. At the intersection of Routes 7 and 224 lies Southern Park Mall, which is the largest single shopping destination in Mahoning County. Furthermore, a new area of development is surging along the South Avenue artery which parallels the southern extension of Interstate 680 between its Midlothian and Western Reserve Road exits. The location of Boardman at the meeting point of several major local roadways allows it to be a center of commercial activity amongst the southern suburbs of the Youngstown–Warren area.
Boardman abuts one of the Youngstown area’s most popular attractions, Mill Creek Park. Within the park grounds, there is an 11-acre (45,000 m) rose garden, several small waterfalls, a lily pond with geese and turtles, marshlands, and Lanterman’s Mill, where grain is ground daily. In addition, there is a 36-hole golf course.
The township is governed by a three-member board of trustees, who are elected in November of odd-numbered years to a four-year term beginning on the following January 1. Two are elected in the year after the presidential election and one is elected in the year before it. There is also an elected township fiscal officer, who serves a four-year term beginning on April 1 of the year after the election, which is held in November of the year before the presidential election. Vacancies in the fiscal officership or on the board of trustees are filled by the remaining trustees. The board employs a township administrator for day-to-day administration of township services. The current members of the board of trustees are Brad Calhoun, Tom Costello, and Larry Moliterno, and the current township administrator is Jason Loree.
The Boardman Local School District manages public education within most of the township and some surrounding areas. It consists of Boardman High School (grades 9–12), Boardman Glenwood Junior High School (grades 7–8), Boardman Center Intermediate School (grades 4–6), Robinwood Lane Elementary School, Stadium Drive Elementary School, and West Boulevard Elementary School (all K–3). Certain outlying areas of the township are managed by the Canfield Local School District, the Poland Local School District, and the Youngstown City School District.
Boardman is also home to a private school, namely the Catholic St. Charles School (grades K-8), although further private schools exist in neighborhoods of Youngstown that abut Boardman such as Valley Christian School (grades K-12) and the Montessori School of the Mahoning Valley (grades K-8).
Boardman has a public library, a branch of the Public Library of Youngstown and Mahoning County.
Located in Boardman is also the Boardman Training Center, a post-secondary education facility that focuses on preparing students for healthcare certifications in months.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.
