Owner Operators Commercial Truck Insurance Near Me Merrillville, Indiana
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Merrillville, Indiana. 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 Merrillville, Indiana with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Merrillville, Indiana 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.
Merrillville ( MAIR-əl-vil, locally [ˈmɛərvɪl]) is a town in Ross Township, Lake County, Indiana, United States. The population was 35,246 at the 2010 census. Merrillville is in east-central Lake County, in the Chicago metropolitan area. On January 1, 2015, Merrillville became the most populated town in Indiana, as Fishers in Hamilton County was converted from a town to a city. The town serves as a major shopping hub for Northwest Indiana.
Merrillville is located at 41°29′08″N 87°20′07″W / 41.485669°N 87.335390°W.
According to the 2010 census, Merrillville has a total area of 33.26 square miles (86.14 km), of which 33.22 square miles (86.04 km) (or 99.88%) is land and 0.04 square miles (0.10 km) (or 0.12%) is water.
The town is centered on the intersection of U.S. Route 30 and Interstate 65.
The Lincoln Highway runs through Merrillville. The original alignment of Lincoln Highway is known as 73rd Avenue (also called Old Lincoln Highway) in Merrillville, while the current Lincoln Highway (US 30) is known as 81st Avenue. State Road 53 (Broadway) and State Road 55 (Taft Street) traverse the town from north to south.
Merrillville’s asymmetric shape results in numerous boundaries with other municipalities. It is bordered by Gary and unincorporated Calumet Township, Lake County, to the north; Hobart to the northeast; Union Township, Porter County, to the east; Winfield and Crown Point to the south; Schererville to the west; and Griffith to the northwest.
Merrillville occupies what used to be woodland belonging to the Potawatomi Indians. In 1834, a clearing was created for ceremonial purposes and called McGwinn Village. A year later, a white man, Jeremiah Wiggins, settled in the place; McGwinn Village became Wiggins Point.
Wiggins Point became a well-known stop for wagon trains heading to Joliet, Illinois along the Sauk Trail (also called the Sac Trail), an old Indian trail. At one time, 16 trails radiated outward from Wiggins Point. In 1838, Wiggins died. Sometime afterward, local settlers renamed the place Centerville. Later still, it was renamed Merrillville after the brothers Dudley and William Merrill. Dudley Merrill operated a hotel and store in Centerville, and his son John P. Merrill was a Township Trustee.
Nearby, in the same former Potawatomi hunting grounds, other settlements had sprung up. Near Deep River creek was a settlement named Deep River; near Turkey Creek was another settlement with that creek’s name. Others included Ainsworth, Lottaville, and Rexville. At one time, the post office for the area was named Lottaville.
In 1848, all of these settlements, including Merrillville (that is, the old McGwinn Village) were collected into one and called Ross Township. As time went by, bits and pieces of Ross Township were taken by Hobart and Crown Point when those towns incorporated.
In 1971, the area officially became Merrillville (which now includes the old Merrillville as well as other settlements nearby) and was incorporated as a town under Indiana law. During this time, the majority of the town’s growth was due to white flight from Gary.
In 1993, Merrillville tried to annex unincorporated Winfield Township to get more land. The residents blocked Merrillville by creating the town of Winfield.
In 2009, a pedestrian bridge at Hidden Lake Park collapsed, injuring at least 25 people The catastrophe occurred around 10 PM after the annual Fourth of July fireworks display, when several dozen people attempted to cross the wood suspension bridge. Police officers stationed at either side of the bridge were unable to stop the advancing parkgoers, and with numerous people jumping up and down the 30-year-old bridge collapsed, sending somewhere around 50 people into the waters of Hidden Lake.
The Morgan-Skinner-Boyd Homestead and John Wood Old Mill are listed in the National Register of Historic Places.
Merrillville is a hub for retail trade in Northwest Indiana. The US 30 corridor between Taft Street and Colorado Street harbors a large concentration of big-box retailers, hotels, restaurants, and automobile dealerships.
Ameriplex at the Crossroads, an industrial and technology park, opened at Broadway between 93rd Avenue and 101st Avenue in 2005. The development is designated an Indiana Certified Technology Park and includes a business incubator and technology center operated by the Purdue Research Foundation.
Heavy industry such as steelmaking and petroleum refining, which characterizes the economy of northern Lake County, does not have a significant presence in Merrillville. The town is home to the corporate headquarters of Fortune 500 energy company NiSource, hospitality management firm White Lodging, and Centier Bank, Indiana’s largest privately owned independent bank.
Merrillville’s nearest commercial airports are Griffith-Merrillville Airport in Griffith and Gary/Chicago International Airport in Gary.
As of the census of 2010, there were 35,246 people, 13,696 households, and 9,016 families living in the town. The population density was 1,061.0 inhabitants per square mile (409.7/km). There were 14,842 housing units at an average density of 446.8 per square mile (172.5/km). The racial makeup of the town was 46.4% White, 44.5% African American, 0.2% Native American, 1.2% Asian, 4.6% from other races, and 3.2% from two or more races. Hispanic or Latino of any race were 12.9% of the population.
There were 13,696 households, of which 34.1% had children under the age of 18 living with them, 42.3% were married couples living together, 17.9% had a female householder with no husband present, 5.6% had a male householder with no wife present, and 34.2% were non-families. 29.7% of all households were made up of individuals, and 11.8% had someone living alone who was 65 years of age or older. The average household size was 2.54 and the average family size was 3.16.
The median age in the town was 36.7 years. 25.5% of residents were under the age of 18; 8.6% were between the ages of 18 and 24; 26.8% were from 25 to 44; 25.5% were from 45 to 64; and 13.7% were 65 years of age or older. The gender makeup of the town was 47.0% male and 53.0% female.
As of 2010, the median income for a household in the town was $49,469 while the mean income for a household in the town was $57,728. The median income for a family was $56,911 and the mean income for a family was $65,925. The estimated per capita income for the town was $22,993. About 8.9% of families and 12.0% of the population were estimated to be below the poverty line.
As of the census of 2000, there were 30,560 people, 11,678 households, and 8,127 families living in the town. The population density was 918.2 inhabitants per square mile (354.5/km). There were 12,303 housing units at an average density of 369.6 per square mile (142.7/km). The racial makeup of the town was 69.65% White, 22.86% African American, 0.33% Native American, 1.51% Asian, 0.02% Pacific Islander, 3.39% from other races, and 2.24% from two or more races. Hispanic or Latino of any race were 9.65% of the population.
There were 11,678 households, out of which 32.2% had children under the age of 18 living with them, 52.9% were married couples living together, 12.6% had a female householder with no husband present, and 30.4% were non-families. 26.1% of all households were made up of individuals, and 11.8% had someone living alone who was 65 years of age or older. The average household size was 2.57 and the average family size was 3.12.
In the town, the population was spread out, with 24.6% under the age of 18, 8.7% from 18 to 24, 29.4% from 25 to 44, 22.2% from 45 to 64, and 15.1% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 91.2 males. For every 100 females age 18 and over, there were 86.7 males.
The median income for a household in the town was $49,545, and the median income for a family was $56,355. Males had a median income of $41,820 versus $29,005 for females. The per capita income for the town was $22,293. About 2.6% of families and 4.3% of the population were below the poverty line, including 4.1% of those under age 18 and 5.5% of those age 65 or over.
Barons Bus Lines services Merrillville seven days per week as part of schedule 0025, westbound, with local service between Cleveland, Ohio and Chicago, Illinois.
Gary Public Transportation Corporation provides bus service along the Broadway Avenue Corridor via the Broadway Metro Express and within the US 30 retail/office corridor. The closest South Shore Line station is in downtown Gary and can be reached using the Broadway Metro Express or Barons Bus schedule 0025. The closest Amtrak station is in Dyer, Indiana. It cannot be directly reached by public transit.
Public education in the town is provided by the Merrillville Community School Corporation. Andrean High School, a Roman Catholic institution operated by the Diocese of Gary, is also in Merrillville.
Lake County Public Library operates the Central Library at 1919 West 81st Avenue in Merrillville.
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.
