Owner Operators Commercial Truck Insurance Near Me Chesapeake, Virginia
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Chesapeake, 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 Chesapeake, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Chesapeake, 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.
Chesapeake is an independent city in Virginia, United States. At the 2020 census, the population was 249,422, making it the second-most populous city in Virginia, the tenth-largest in the Mid-Atlantic, and the 90th-most populous city in the United States.
Chesapeake is included in the Hampton Roads metropolitan area. One of the cities in the South Hampton Roads, Chesapeake was organized in 1963 by voter referendums approving the political consolidation of the city of South Norfolk with the remnants of the former Norfolk County, which dated to 1691. (Much of the territory of the county had been annexed by other cities.) Chesapeake is the second-largest city by land area in the Commonwealth of Virginia, and the 17th-largest in the United States.
Chesapeake is a diverse city in which a few urban areas are located; it also has many square miles of protected farmland, forests, and wetlands, including a substantial portion of the Great Dismal Swamp National Wildlife Refuge. Extending from the rural border with North Carolina to the harbor area of Hampton Roads adjacent to the cities of Norfolk, Portsmouth, Suffolk, and Virginia Beach, Chesapeake is located on the Atlantic Intracoastal Waterway. It has miles of waterfront industrial, commercial and residential property. In 2011, Chesapeake was named the 21st best city in the United States by Bloomberg Businessweek. Chesapeake is home to the international headquarters of Dollar Tree.
In 1963, the new independent city of Chesapeake was created when the former independent city of South Norfolk consolidated with Norfolk County. The consolidation was approved and the new name selected by the voters of each community by referendum, and authorized by the Virginia General Assembly.
Formed in 1691 in the Virginia Colony, Norfolk County had originally included essentially all the area which became the towns and later cities of Norfolk, Portsmouth, and South Norfolk. Its area was reduced after 1871 as these cities added territory through annexations. Becoming an independent city was a method for the former county to stabilize borders with neighbors, as cities could not annex territory from each other.
The relatively small city of South Norfolk had become an incorporated town within Norfolk County in 1919, and became an independent city in 1922. Its residents wanted to make a change to put their jurisdiction on a more equal footing in other aspects with the much larger cities of Norfolk and Portsmouth. In addition, by the late 1950s, although immune from annexation by the bigger cities, South Norfolk was close to losing all the county land adjoining it to the city of Norfolk in another annexation suit.
The consolidation that resulted in the city of Chesapeake was part of a wave of changes in the structure of local government in southeastern Virginia which took place between 1952 and 1975.
The Chesapeake region was among the first areas settled in the state’s colonial era, when settlement started from the coast. Along Chesapeake’s segment of the Intracoastal Waterway, where the Great Bridge locks marks the transition between the Southern Branch Elizabeth River and the Chesapeake and Albemarle Canal, lies the site of the Battle of Great Bridge. Fought on December 9, 1775, in the early days of the American Revolutionary War, the battle resulted in the removal of Lord Dunmore and all vestiges of English Government from the Colony and Dominion of Virginia.
Until the late 1980s and early 1990s, much of Chesapeake was either suburban or rural, serving as a bedroom community of the adjacent cities of Norfolk and Virginia Beach with residents commuting to these locations. Beginning in the late 1980s and accelerating in the 1990s, however, Chesapeake saw significant growth, attracting numerous and significant industries and businesses of its own. This explosive growth quickly led to strains on the municipal infrastructure, ranging from intrusion of saltwater into the city’s water supply to congested roads and schools.
Chesapeake made national headlines in 2003 when, under a court-ordered change of venue, the community hosted the first trial of alleged Beltway sniper Lee Boyd Malvo for shootings in 2002. A jury convicted him of murder but spared him a potential death sentence; it chose a sentence of “life in prison without parole” for the young man, who was 17 years old at the time of the crime spree. A jury in neighboring Virginia Beach convicted his older partner John Allen Muhammad and sentenced him to death for another of the attacks.
On November 22, 2022, a mass shooting occurred in a Walmart off of Battlefield Boulevard in Chesapeake. Seven people were killed, including the gunman who committed suicide, and four others were injured.
Chesapeake is located at 36°46′2″N 76°17′14″W / 36.76722°N 76.28722°W (36.767398, -76.287405).
According to the United States Census Bureau, the city has a total area of 351 square miles (910 km), of which 341 square miles (880 km) is land and 10 square miles (26 km) (2.9%) is water.
The northeastern part of the Great Dismal Swamp is located in Chesapeake.
Chesapeake is one of the larger cities in Virginia and the nation in terms of land area. This poses challenges to city leaders in supporting infrastructure to serve this area. In addition, the city has many historically and geographically distinct communities. City leaders are faced with conflicts between development of residential, commercial and industrial areas and preservation of virgin forest and wetlands. Within the city limits in the southwestern section is a large portion of the Great Dismal Swamp.
Chesapeake consists of six boroughs: South Norfolk, Butts Road, Deep Creek, Pleasant Grove, Western Branch and Washington. One of the boroughs, South Norfolk, used to be its own independent city and consolidated the surrounding portions of Norfolk County (extinct) into the City of Chesapeake.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Chesapeake has a humid subtropical climate, abbreviated “Cfa” on climate maps.
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.
As of the census of 2010, there were 222,209 people, 69,900 households, and 54,172 families residing in the city. The population density was 584.6 inhabitants per square mile (225.7/km). There were 72,672 housing units at an average density of 213.3 units per square mile (82.4 units/km). The racial makeup of the city was 62.6% White, 29.8% Black or African American, 0.4% Native American, 2.9% Asian, 0.1% Pacific Islander, 1.2% from other races, and 3.0% from two or more races. 4.4% of the population were Hispanics or Latinos of any race. According to 2012 estimates 59.7% of the population is non-Hispanic white.
There were 69,900 households, out of which 41.0% had children under the age of 18 living with them, 59.7% were married couples living together, 14.0% had a female householder with no husband present, and 22.5% were non-families. 18.0% of all households were made up of individuals, and 5.9% had someone living alone who was 65 years of age or older. The average household size was 2.79 and the average family size was 3.17.
The age distribution was: 28.8% under the age of 18, 8.2% from 18 to 24, 32.3% from 25 to 44, 21.7% from 45 to 64, and 9.0% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 94.4 males. For every 100 females age 18 and over, there were 91.0 males.
The median income for a household in the city was $50,743, and the median income for a family was $56,302. Males had a median income of $39,204 versus $26,391 for females. The per capita income for the city was $20,949. About 6.1% of families and 7.3% of the population were below the poverty line, including 9.7% of those under age 18 and 9.0% of those age 65 or over.
According to Chesapeake’s 2020 Comprehensive Annual Financial Report and other sources (as indicated), the top employers in the city are:
Chesapeake is home to two Navy bases:
Chesapeake’s daily newspaper is The Virginian-Pilot. Other papers include the Port Folio Weekly, the New Journal and Guide, and the Hampton Roads Business Journal. Hampton Roads Magazine serves as a bi-monthly regional magazine for Chesapeake and the Hampton Roads area. Hampton Roads Times serves as an online magazine for all the Hampton Roads cities and counties. Chesapeake is served by a variety of radio stations on the AM and FM dials, with towers located around the Hampton Roads area. Chesapeake is also served by several television stations. The Hampton Roads designated market area (DMA) is the 42nd largest in the U.S. with 712,790 homes (0.64% of the total U.S.). The major network television affiliates are WTKR-TV 3 (CBS), WAVY 10 (NBC), WVEC-TV 13 (ABC), WGNT 27 (CW), WTVZ 33 (MyNetworkTV), WVBT 43 (Fox), and WPXV 49 (ION Television). The Public Broadcasting Service station is WHRO-TV 15. Chesapeake residents also can receive independent stations, such as WSKY broadcasting on channel 4 from the Outer Banks of North Carolina and WGBS-LD broadcasting on channel 11 from Hampton. Chesapeake is served by Cox Communications which provides LNC 5, a local 24-hour cable news television network.
Chesapeake is a national bellwether, voting with the winner of the electoral college in every presidential election since 1972, except in 1992 and 1996.
Chesapeake City Public Schools is the local school district.
The Chesapeake Public Library System includes seven branches and one lending kiosk. After getting a library card, resources can be checked out online or in person at any of the branches. Additionally, Interlibrary Loan requests can be made in person or online if a resource you want is available at a different branch.
The Chesapeake Public Library offers a variety of educational, career, and literary services to community members. A core part of the mission of the Chesapeake Public Library is to “support learners at every level to succeed in their education and career paths”. This mission is accomplished in many ways, including free online classes for children and adults, access to a wide variety of digital educational resources, career help events, and creative/artistic programming.
Tolls in Chesapeake are currently limited to the Chesapeake Expressway, Veterans Bridge and the Jordan Bridge, but new ones may be imposed on some existing facilities to help generate revenue for transportation projects in the region.
Chesapeake is served by the nearby Norfolk International Airport in the City of Norfolk with commercial airline passenger service.
Within the city limits, Chesapeake Regional Airport is a general aviation facility located just south of Great Bridge. Also within the city, is the Hampton Roads Executive Airport located near Bowers Hill and the Hampton Roads Beltway. This airport caters to private airplane owners and enthusiasts. East of Great Bridge, NALF Fentress is a facility of the U.S. Navy and is an auxiliary landing field which is part of the large facility at NAS Oceana in neighboring Virginia Beach.
The Intracoastal Waterway passes through Chesapeake. Chesapeake also has extensive frontage and port facilities on the navigable portions of the Western and Southern Branches of the Elizabeth River.
The Dismal Swamp Canal runs through Chesapeake as well. The site of this canal was surveyed by George Washington, among others, and is known as “Washington’s Ditch”. It is the oldest continuously used man made canal in the United States today and has been in service for over 230 years. The canal begins in the Deep Creek section of the city branching off from the Southern Branch of the Elizabeth River. The canal runs through Chesapeake paralleling U.S. Highway 17 into North Carolina and connects to Elizabeth City, North Carolina.
Five railroads currently pass through portions of Chesapeake, and handle some intermodal traffic at port facilities on Hampton Roads and navigable portions of several of its tributary rivers. The two major Class 1 railroads are CSX Transportation and Norfolk Southern, joined by three short line railroads.
Chesapeake is located on a potential line for high speed passenger rail service between Richmond and South Hampton Roads which is being studied by the Virginia Department of Rail and Public Transportation. A new suburban passenger station near Bowers Hill would potentially be included to supplement a terminal in downtown Norfolk.
Chesapeake is served by U.S. Highways 13, 17, 58, and 460. Interstate 64, part of the Hampton Roads Beltway, crosses through the city, Interstate 464 is a spur which connects it with downtown Norfolk and Portsmouth at the Berkley Bridge, and Interstate 664, which completes the Interstate loop from the Western Branch section of Chesapeake through the city of Newport News and into the city of Hampton.
State Route 168 is also a major highway in the area. It includes the Chesapeake Expressway toll road.
Chesapeake is the only locality in the Hampton Roads area with a separate bridge division. The city’s Department of Public Works, Bridges and Structures division has 51 full-time workers. The city maintains 90 bridges and overpasses. Included are five movable span (draw) bridges which open an estimated 30,000 times a year for water vessels.
Hampton Roads Transit buses serve the city of Chesapeake as well as other cities in the Hampton Roads Area.
Water and sewer services are provided by the city’s Department of Utilities. Chesapeake receives its electricity from Dominion Virginia Power which has local sources including the Chesapeake Energy Center (a coal-fired and gas power plant), coal-fired plants in the city and Southampton County, and the Surry Nuclear Power Plant. Norfolk headquartered Virginia Natural Gas, a subsidiary of AGL Resources, distributes natural gas to the city from storage plants in James City County and in the city.
The Virginia tidewater area has grown faster than the local freshwater supply. Chesapeake receives the majority of its water from the Northwest River in the southeastern part of the city. To deal with intermittent high salt content, Chesapeake implemented an advanced reverse osmosis system at its Northwest River water treatment plant in the late 1990s. The river water has always been salty, and the fresh groundwater is no longer available in most areas. Currently, additional freshwater for the South Hampton Roads area is pumped from Lake Gaston, about 80 miles (130 km) west, which straddles the Virginia-North Carolina border along with the Blackwater and Nottaway rivers. The pipeline is 76 miles (122 km) long and 60 inches (1,500 mm) in diameter. Much of its follows the former right-of-way of an abandoned portion of the Virginian Railway. It is capable of pumping 60 million US gallons (230,000 m) of water per day. The cities of Chesapeake and Virginia Beach are partners in the project.
The city provides wastewater services for residents and transports wastewater to the regional Hampton Roads Sanitation District treatment plants.
In 2015, in honor of the game’s 80th birthday, Hasbro held an online vote in order to determine which cities would make it into an updated version of the Monopoly Here and Now: The US Edition of the game. Chesapeake, Virginia won the wildcard round, earning it a brown spot.
36°46′03″N 76°17′15″W / 36.767398°N 76.287405°W
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.