Owner Operators Commercial Truck Insurance Near Me Kettering, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Kettering, 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 Kettering, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Kettering, 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.
Kettering is a city in Montgomery County, Ohio, United States. It is an inner suburb of Dayton, Ohio. As of the 2020 census, the city had a population of 57,862, making it the largest suburb in the Dayton metropolitan area.
The area where the city of Kettering now lies was settled from the late 1700s to the mid-1800s, largely as farmland. The population in the area started to grow, prompting the creation of (now defunct) Van Buren Township in 1841. In November 1952, township voters approved incorporating as the Village of Kettering. (In 1953, the western portion of the village voted to secede, forming a new township, which is now the City of Moraine). By 1955, the village’s population had grown to 38,118, which qualified it to claim city status, with the official proclamation by the state on June 24. The city is named for inventor Charles F. Kettering, who resided here in his home, Ridgeleigh Terrace, from 1914 until his death in 1958. Charles Kettering is known for his numerous inventions and contributions to Metro Dayton.
From the 1950s to the 1970s, Kettering’s population continued to grow, adding more than 30,000 residents. This growth was due in part to the many people who started migrating out of nearby Dayton after World War II. Since the 1980s, Kettering has experienced a slow decline in population due to an aging population and loss of manufacturing jobs.
According to the United States Census Bureau, the city has a total area of 16.42 square miles (42.53 km), of which 18.68 square miles (48.38 km) is land and 0.04 square miles (0.10 km) is water.
The city is bordered by Dayton, Riverside, and Oakwood to the north; West Carrollton and Moraine to the west; Miami Township to the southwest; Centerville and Washington Township to the south; and Beavercreek and Sugarcreek Township to the east.
As of the census of 2010, there were 56,163 people, 25,427 households, and 14,979 families living in the city. The population density was 3,006.6 inhabitants per square mile (1,160.9/km). There were 27,602 housing units at an average density of 1,477.6 per square mile (570.5/km). The racial makeup of the city was 92.6% White, 3.3% African American, 0.2% Native American, 1.3% Asian, 0.5% from other races, and 2.1% from two or more races. Hispanic or Latino of any race were 2.1% of the population.
There were 25,427 households, of which 26.3% had children under the age of 18 living with them, 43.4% were married couples living together, 11.3% had a female householder with no husband present, 4.3% had a male householder with no wife present, and 41.1% were non-families. 34.9% of all households were made up of individuals, and 13.1% had someone living alone who was 65 years of age or older. The average household size was 2.19 and the average family size was 2.83.
The median age in the city was 40.9 years. 21% of residents were under the age of 18; 8.4% were between the ages of 18 and 24; 25.6% were from 25 to 44; 27% were from 45 to 64; and 18% were 65 years of age or older. The gender makeup of the city was 47.7% male and 52.3% female.
As of the census of 2000, there were 57,502 people, 25,657 households, and 15,727 families living in the city. The population density was 3,077.4 inhabitants per square mile (1,188.2/km). There were 26,936 housing units at an average density of 1,441.6 per square mile (556.6/km). The racial makeup of the city was 95.23% White, 1.66% African American, 0.18% Native American, 1.38% Asian, 0.02% Pacific Islander, 0.33% from other races, and 1.19% from two or more races. Hispanic or Latino of any race were 1.11% of the population.
There were 25,657 households, out of which 26.9% had children under the age of 18 living with them, 48.7% were married couples living together, 9.5% have a single female householder, and 38.7% were non-families. 33.4% of all households were made up of individuals, and 12.7% had someone living alone who was 65 years of age or older. The average household size was 2.22 and the average family size was 2.85.
In the city, the population was spread out, with 22.5% under the age of 18, 7.5% from 18 to 24, 29.4% from 25 to 44, 22.3% from 45 to 64, and 18.3% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 90.5 males. For every 100 females age 18 and over, there were 86.7 males.
The median income for a household in the city was $45,051, and the median income for a family was $55,849. Males had a median income of $41,558 versus $28,921 for females. The per capita income for the city was $27,009. About 3.2% of families and 4.6% of the population were below the poverty line, including 5.3% of those under age 18 and 3.6% of those age 65 or over.
The city utilizes a council-manager form of government. Seven council representatives are elected for four-year terms on a non-partisan basis. They include the mayor, two at large members, and one member from each of the four wards. The current Mayor is Peggy Lehner.
The Kettering Fire Department is responsible for fire protection in the city. The department has a total of six operational stations and is staffed by 54 career and 50 volunteer firefighters. The fire department is currently undergoing a transformation to reduce the number of stations to five. One station is currently being built on Far Hills Avenue, one will be located on the corner of East David Road and Hempstead Station Drive. The three others are in the planning stage.
Police protection is provided by the Kettering Police Department which comprises 83 sworn officers. The police department is the only agency of its size with dual accreditation from both the Commission on Accreditation for Law Enforcement Agencies and the Commission on Accreditation for Corrections.
The Kettering City School District includes Kettering Fairmont High School, two middle schools (Van Buren and Kettering), and eight elementary schools (Beavertown, Greenmont, Indian Riffle, J.E. Prass, J.F. Kennedy, Oakview, Orchard Park, and Southdale).
On the 2009–2010 Ohio report card, Kettering schools met all 26 state standards in testing, attendance and graduation rates earning the state’s highest category, Excellent with Distinction.
Kettering is also home to several private schools—Alexandria Montessori School, Archbishop Alter High School, Ascension School, Emmanuel Christian Academy, St. Albert The Great School, and St. Charles Borromeo School.
Kettering College offers two-year and four-year degrees in several disciplines including Nursing, Sonography, Radiology Technology, Respiratory Therapy, and Human Biology; with a Master of Physician Assistant Studies (MPAS) and an Occupational Therapy Doctorate (OTD).
The Modern College of Design offers two-year degrees in graphic design.
The international headquarters of the Driving Schools Association of the Americas (DSAA) is located in Kettering. The DSAA is one of the largest organizations in the world for the education of vehicle drivers and plays a significant educational role in improving road safety.
Kettering has two public libraries, both branches of the Dayton Metro Library.
Kettering has 20 parks totaling 284 acres (1.15 km) and is home to the Fraze Pavilion, a major outdoor entertainment venue that also hosts the summer concerts of the Dayton Philharmonic.
The James S. Trent Arena, which opened in 2005, has a seating capacity of 4,400 overall as well as 3,650 for championship sporting events, and it is located on the campus of Fairmont High School.
Skate Plaza, a 40,000-square-foot (3,700 m) skateboard park that opened in 2005, was a collaboration between the City of Kettering and Rob Dyrdek, a professional skateboarder who grew up in Kettering.
Rosewood Arts Center, formerly an elementary school, now hosts 100,000 visitors a year with art classes, exhibitions, an art gallery and the Art on the Commons festival.
The Town and Country Shopping Center is a small, partly enclosed and part open-air, mall located in the heart of Kettering near the intersection of Far Hills Ave. and Stroop Rd.
Pondview Park is a self-guided environmental park for people to go experience nature. The park has trails, 6 ponds, a butterfly garden, and many scenic opportunities, for all kinds of people to come and learn about nature.
Kettering has two sister cities, as designated by Sister Cities International:
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.