Owner Operators Commercial Truck Insurance Near Me Mason, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Mason, 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 Mason, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mason, 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.
Mason is a city in southwestern Warren County, Ohio, United States, approximately 22 miles (35 km) north of downtown Cincinnati. As of the 2020 census, Mason’s population was 34,792. It is home to Kings Island amusement park and one of the largest tennis stadiums in the world, the Lindner Family Tennis Center, home of the Western & Southern Open, one of the world’s top tennis tournaments for both men and women.
On June 1, 1803, Revolutionary War veteran William Mason paid $1,700 at auction to purchase 640 acres (2.6 km) of land in what is now downtown Mason. In 1815, he platted 16 lots on this land and named the village “Narnia.” In 1832, two years after the death of William Mason, more than 40 additional lots were platted on the north, south, and west of Narnia, according to his will. When the plat was officially recorded, the name of the village was listed as “Palmyra.”
In 1835, a petition was sent to the federal post office to correct the name of the town. The town had been listed as Kirkwood, possibly an error because the postmaster at the time was named William Kirkwood. When village officials were informed that there was another Palmyra in Ohio, the name was officially changed to “Mason.”
Mason remained a small farming community for another 125 years. In 1970, a year before the town was incorporated to become a city, there were fewer than 5,700 residents.
In February 1997, Mason withdrew from surrounding Deerfield Township by forming a paper township called Mason Township.
On October 25, 2021, Mason City Council passed an ordinance to criminalize abortions within the city limits by a vote of 4 to 3. No abortion providers currently operate within the city limits. The ordinance was later repealed.
According to the United States Census Bureau, the city has a total area of 18.67 square miles (48.36 km), of which 18.63 square miles (48.25 km) is land and 0.04 square miles (0.10 km) is water.
The median income for a household in the city was $89,569, and the median income for a family was $103,459. Males had a median income of $96,002 and females had a median income of $75,968. The per capita income for the city was $37,948. The median house price was $320,289. About 1.6% of families and 2.8% of the population were below the poverty line, including 1.8% of those under age 18 and 4.8% of those age 65 or over.
The city is in the Mason City School District. Mason is served by one interstate, I-71.
As of the 2010 census, there were 30,712 residents, 11,016 households, and 8,205 families residing in the city. The population density was 1,648.5 inhabitants per square mile (636.5/km). There were 11,471 housing units at an average density of 615.7 per square mile (237.7/km). The racial makeup of the city was 85.1% White, 3.3% African American, 0.2% Native American, 9.0% Asian, 0.1% Pacific Islander, 0.8% from other races, and 1.5% from two or more races. Hispanic or Latino of any race were 3.2% of the population.
There were 11,016 households, of which 44.5% had children under the age of 18 living with them, 63.4% were married couples living together, 8.4% had a female householder with no husband present, 2.7% had a male householder with no wife present, and 25.5% were non-families. 22.4% of all households were made up of individuals, and 8.3% had someone living alone who was 65 years of age or older. The average household size was 2.77 and the average family size was 3.30.
The median age in the city was 38.4 years. 30.8% of residents were under the age of 18; 5.7% were between the ages of 18 and 24; 26.1% were from 25 to 44; 27.4% were from 45 to 64; and 9.9% were 65 years of age or older. The gender makeup of the city was 48.5% male and 51.5% female.
As of the 2000 census, there were 22,016 residents, 7,789 households, and 5,981 families residing in the city. The population density was 1,250.0 inhabitants per square mile (482.6/km). There were 8,111 housing units at an average density of 460.5 per square mile (177.8/km). The racial makeup of the city was 94.79% White, 1.61% African American, 0.19% Native American, 2.18% Asian, 0.01% Pacific Islander, 0.30% from other races, and 0.93% from two or more races. Hispanic or Latino of any race were 0.97% of the population.
There were 7,789 households 45.2% of which had children under the age of 18, 67.5% had married couples living together, 6.8% had a female householder with no husband present, and 23.2% were non-families. 20.0% of all households were made up of individuals, and 6.7% had someone living alone who was 65 years of age or older. The average household size was 2.80 persons and the average family size was 3.27 persons.
In the city, the population was spread out, with 32.1% under the age of 18, 5.1% between 18 and 24, 35.3% between 25 and 44, 19.1% between 45 and 64, and 8.4% over the age of 65. The median age was 34 years. For every 100 females, there were 95.7 males. For every 100 females age 18 and over, there were 92.4 males.
Mason tourist attractions include Kings Island amusement park and its Soak City water park, Great Wolf Lodge indoor water park and resort, and The Lindner Family Tennis Center, which hosts the historic Western & Southern Open tennis tournament, one of the top nine in the world within the ATP Tour Masters 1000 series.
Mason’s largest employers include Procter & Gamble’s Mason Business Center, the headquarters of Luxottica Retail and Cintas corporate headquarters. Other notable companies with large operations in Mason are Mitsubishi Electric, L-3 Communications, Heinz., and Prasco Laboratories
Over 500 businesses operate in Mason’s 18 square miles. High-tech companies, corporate headquarters, and light industries are particularly attracted to Mason. More than 90 corporations have headquarters or manufacturing operations in Mason’s 24 commerce parks.
International Paper Company announced it would close its Mason plant in 2008. In 2015 the site became a branch of Crossroads Church.
The Mason Veterans Memorial, adjacent to the Mason Municipal Center, was dedicated on Saturday, November 8, 2003. Neil Armstrong, a Korean War veteran and the first man to walk on the Moon, was the guest of honor. The main feature of the memorial is a set of 10 pillars representing the 10 major conflicts in American history. The height of each pillar is proportional to the number of casualties in the war. The memorial also features an eternal flame.
Mason has a lending library, the Mason Public Library.
Mason is home to seven city parks which cover about 300 acres and include fishing lakes, walking trails, ball fields, tennis courts, picnic shelters and playgrounds. The 199,000 square-foot multi-use Mason Community Center, which opened in 2003, is one of the largest public recreation facilities in the state. It has two pools, gymnasium, field house, fitness center, walking track, senior center, exergames, climbing wall, and classroom and meeting areas. A continually expanding network of bike paths connects neighborhoods to schools, parks and downtown.
City council is the legislative body of Mason’s city government, and a city manager is appointed by council. Three or four council members are elected in odd-numbered years and serve four-year terms. City government is housed primarily at the Mason Municipal Center, a 120,000 square-foot, two-story facility which opened in fall 2002. Its most distinct feature is a 51-foot-high central atrium. The facility houses Mason Municipal Court, the police and fire departments, a community meeting room and all other city departments except public works and public utilities.
Mason is part of the Cincinnati media market. Although no broadcast stations are licensed to Mason itself, the city is home to the transmitter site of iHeartMedia, Inc.-owned WLW (AM 700, licensed to Cincinnati), which uses one of only seven remaining Blaw-Knox diamond-shaped towers. WLW was once (1934–1939) the most powerful broadcast station in the country at 500 kilowatts.
Mason City Schools is consistently rated one of the highest school districts in the state, with a rating of 26 out of 26 indicators on the 2011-2012 Ohio Report Card.
Mason has five public schools: Mason Early Childhood Center (PK-2), Mason Elementary School (grades 3-4), Mason Intermediate School (grades 5-6), Mason Middle School (grades 7-8), and William Mason High School. Mason also has a community center that connected to the high school. The last building to open was the Mason Elementary (“ME”) which opened in 2019.
Mason is also home to Sinclair Community College’s Courseview Campus, which opened in 2007. The facility is on 75 acres near I-71. As of fall 2013 it has a capacity of 2,500 students and offers 17 degree and 18 certificate programs. In early 2013 Sinclair announced that it expects the Courseview Campus to serve 10,000 students within the next 25 years.
The Mason Police Department is accredited by the Commission on Accreditation for Law Enforcement Agencies (CALEA). The department employs 39 full-time sworn police officers, including the chief, two assistant chiefs, four lieutenants, and four sergeants. Additionally, the department has seven non-sworn support personnel, including two court security officers. The City of Mason Police Department operates 17 fully equipped marked police cruisers, eight unmarked police cars, and one D.A.R.E. car. In addition, the department operates several special purpose vehicles, including motorcycles, bicycles, and Segways.
The Mason Fire Department has more than 50 fire and emergency medical personnel, including the fire chief, four deputy chiefs, administrative staff, fire inspectors, and full or part-time firefighters. Firefighters are also trained as paramedics or emergency medical technicians (EMT’s). The department has two pumpers, one 100-foot ladder truck, one 100-foot tower ladder, one heavy rescue/hazardous materials truck, four paramedic ambulances, one paramedic response car, and additional staff vehicles. These vehicles respond from one of the city’s two fire stations.
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.