Owner Operators Commercial Truck Insurance Near Me Michigan City, Indiana
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Michigan City, 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 Michigan City, Indiana with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Michigan City, 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.
Michigan City is a city in LaPorte County, Indiana, United States. It is one of the two principal cities of the Michigan City-La Porte, Indiana Metropolitan statistical area, which is included in the Chicago-Naperville-Michigan City Combined statistical area. In the region known to locals as Michiana, the city is about 50 miles (80 km) east of Chicago and 40 miles (64 km) west of South Bend. It had a population of 31,479 at the 2010 census.
Michigan City is noted for both its proximity to Indiana Dunes National Park and for bordering Lake Michigan. It receives a fair amount of tourism during the summer, especially by residents of Chicago and nearby cities in Northern Indiana. The lighthouse is a notable symbol of the city and is incorporated in its official seal and formerly in the heading of its former newspaper, The News-Dispatch.
Michigan City’s origins date to 1830, when the land for the city was first purchased by Isaac C. Elston, a real estate speculator who had made his fortune in Crawfordsville, Indiana. He paid about $200 total for 160 acres (65 ha) of land. The now-closed Elston Middle School, formerly Elston High School, was named after the founder.
The city was incorporated in 1836, by which point it had 1,500 residents, along with a post office, a newspaper, a church, a commercial district and ten hotels. In these six years the town had grown to a size of 15 square miles (39 km). That same year, the State Bank of Indiana opened a branch in town.
Michigan City was the 2nd city in Indiana to decriminalize marijuana, with marijuana laws more liberal than those of Marion County, the first city or county to decriminalize marijuana, allowing medical marijuana to be prescribed as early as 2016. Delta 9 is officially decriminalized in Michigan City.
Michigan City hosted the sailing competitions of the 1987 Pan American Games on Lake Michigan. Indianapolis, roughly 150 miles (240 km) southeast, was the host city.
According to the 2010 census, Michigan City has an area of 22.855 square miles (59.19 km), of which 19.59 square miles (50.74 km) (or 85.71%) is land and 3.265 square miles (8.46 km) (or 14.29%) is water.
Michigan City is home to Trail Creek, which flows into Lake Michigan.
The highest recorded temperature was 104 °F (40 °C) in 1953. The lowest recorded temperature was −23 °F (−31 °C) in 1994.
The city has a usual weather pattern for a temperate region, with thunderstorms in the summer and snow during winter. Summers are often warm and humid. Due to its location next to Lake Michigan the city frequently experiences lake-effect snows and rain showers.
As of the census of 2010, there were 31,479 people, 12,136 households, and 7,147 families living in the city. The population density was 1,606.9 inhabitants per square mile (620.4/km). There were 14,435 housing units at an average density of 736.9 per square mile (284.5/km). The racial makeup of the city was 64.9% White, 28.1% African American, 0.4% Native American, 0.7% Asian, 2.1% from other races, and 3.7% from two or more races. Hispanic or Latino of any race were 5.9% of the population.
There were 12,136 households, of which 30.5% had children under the age of 18 living with them, 33.4% were married couples living together, 19.0% had a female householder with no husband present, 6.5% had a male householder with no wife present, and 41.1% were non-families. 34.3% of all households were made up of individuals, and 12% had someone living alone who was 65 years of age or older. The average household size was 2.37 and the average family size was 3.05.
The median age in the city was 37.1 years. 23.5% of residents were under the age of 18; 8.9% were between the ages of 18 and 24; 27.8% were from 25 to 44; 26.2% were from 45 to 64; and 13.5% were 65 years of age or older. The gender makeup of the city was 51.4% male and 48.6% female.
As of the census of 2000, there were 32,900 people, 12,550 households, and 7,906 families living in the city. The population density was 1,678.6 inhabitants per square mile (648.1/km). There were 14,221 housing units at an average density of 725.6 per square mile (280.2/km). The racial makeup of the city was 69.45% White, 26.31% African American, 0.26% Native American, 0.51% Asian, 0.02% Pacific Islander, 1.10% from other races, and 2.36% from two or more races. Hispanic or Latino of any race were 3.15% of the population.
There were 12,550 households, out of which 30.6% had children under the age of 18 living with them, 40.0% were married couples living together, 18.1% had a female householder with no husband present, and 37.0% were non-families. 30.9% of all households were made up of individuals, and 11.6% had someone living alone who was 65 years of age or older. The average household size was 2.41 and the average family size was 3.02.
In the city, the population was spread out, with 25.0% under the age of 18, 9.6% from 18 to 24, 30.8% from 25 to 44, 20.6% from 45 to 64, and 14.1% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 101.8 males. For every 100 females age 18 and over, there were 100.9 males.
The median income for a household in the city was $33,732, and the median income for a family was $39,520. Males had a median income of $32,194 versus $23,125 for females. The per capita income for the city was $16,995. About 10.4% of families and 13.3% of the population were below the poverty line, including 20.2% of those under age 18 and 9.5% of those age 65 or over.
Michigan City is the home of the Old Michigan City Light; and the newer currently functioning one which is Indiana’s only lighthouse.
The Pullman-Standard rail car plant was located in Michigan City.
Lighthouse Place Premium Outlets mall, opened in 1987 on the city’s North end, is an outdoor mall. Marquette Mall, constructed in 1965, was Michigan City’s sole indoor shopping mall.
Franciscan Health Michigan City is Michigan City’s main hospital, located just off of the 94 highway.
Michigan City also houses a zoo, and art center, and also is the home of the Indiana State Prison.
Michigan City also has one of the nation’s oldest active municipal bands. Free concerts are performed for the public every Thursday evening at the Guy F. Foreman Amphitheatre located in Washington Park.
The eastern edge of Indiana Dunes National Park is also located in Michigan City. Features include Mount Baldy, a large wandering dune. A larger dune, Hoosier Slide, sat at the site of the current electrical generating station. This dune was mined for its sand in the late 19th century. The sand found on the beaches in and near Michigan City is nicknamed “singing sand” because of the sound it produces.
Michigan City Power Plant lies along the shore of Lake Michigan west of the downtown core. The cooling tower of the coal burning plant is visible for miles around and is often mistaken for a nuclear power plant.
Michigan City is home to the largest riverboat casino in Indiana, the Blue Chip Casino. In 2009, the Blue Chip complex added a 22-story hotel, which is the biggest building in northwest Indiana. Michigan City has also added a new skatepark at Pullman Field to its tourism offerings.
In the 2000s and 2010s, Michigan City has been working on revitalizing much of its north end, which contains the oldest portions of the city. One plan that has been discussed is the Andrews Plan, which won the 2008 CNU Charter Award of Excellence. Most of the discussion centers on maintaining and expanding open and accessible park areas on Lake Michigan and along Trail Creek.
The Barker House, John H. Barker Mansion, Elston Grove Historic District, First Congregational Church of Michigan City, Franklin Street Commercial Historic District, Garrettson-Baine-Bartholomew House, Haskell and Barker Historic District, Michigan City East Pierhead Light Tower and Elevated Walk, Michigan City Light, Michigan City Post Office, SS Muskegan Shipwreck Site, and Washington Park are listed in the National Register of Historic Places.
Michigan City Area Schools, the city’s public school system, includes one high school (Michigan City High School), two middle schools, and eight elementary schools. Michigan City previously also had three parochial high schools – Marquette, La Lumiere, and Duneland Lutheran but, due to a lack of funds, Duneland Lutheran closed down at the end of the 2008/2009 school year. There are several parochial elementary schools in the city, including St. Paul Lutheran School, St. Stanislaus Kostka School, Queen Of All Saints School, and Notre Dame Catholic School.
At one time Michigan City had two public high schools: M.C. Elston High School (Red Devils) (Elston was the name of one of the middle schools located in the city and was located at the former Elston High School), and M.C. Rogers High School (Raiders). The two schools combined after the 1994–1995 school year – the first graduating class was the Class of 1996 – and now constitute the present day Michigan City High School (Wolves). The school is located at the former Rogers High School site. Elston Middle School, along with elementary school Niemann, closed at the end of the 2013/2014 school year.
Michigan City has a lending library, the Michigan City Public Library. In addition, the La Porte County Public Library operates the Coolspring branch library just outside Michigan City city limits.
The La Porte County Herald-Dispatch is Michigan City’s only subscription newspaper, covering the city and the surrounding municipalities in LaPorte and Porter counties. The Beacher is a Michigan City-based weekly newspaper that covers Beverly Shores, Michigan City, Long Beach, LaPorte, Michiana and New Buffalo.
Chicago Tribune, Chicago Sun-Times and South Bend Tribune are distributed throughout Michigan City. Off the Water, a free weekly art and entertainment newspaper published by Niles, Michigan-based Leader Publications, primarily focuses on Niles-Benton Harbor Metropolitan Statistical Area, but it is distributed in downtown Michigan City.
Michigan City is in Chicago’s Area of Dominant Influence. Radio and television broadcasts from both Chicago and South Bend reach most of the population.
Michigan City also has one FM radio station, WEFM FM 95.9 and one AM radio station, WIMS AM 1420. (Which is also heard on FM translator W236BD 95.1 FM).
The city has one Government-access television (GATV) station, Access LaPorte County, as well as one channel operated by the local school system (MCAS).
Michigan City is a major stop along the South Shore Line, one of the last interurban rail lines in the U.S. The train runs directly through on 11th Street (it has no separate right-of-way, and shares the street with automobiles and other road traffic), making two stops in Michigan City’s downtown area (11th Street and Carroll Avenue). A third stop, at Willard Avenue and 10th Street, closed in 1994. This rail line connects Michigan City with downtown Chicago westward as well as the South Bend Regional Airport to the east.
Prior to April 4, 2022, Amtrak served the city with Wolverine trains, which ran from Chicago to Detroit, and Pontiac three times a day in each direction, filling in several gaps in South Shore Line’s weekday service and augmenting weekend service. While Wolverine trains were faster than South Shore Line trains, the South Shore Line was cheaper and ran more frequently. Currently, Amtrak trains pass through Michigan City without stopping and the nearest Amtrak station is New Buffalo, Michigan, about ten miles away.
Michigan City operates a bus service. Officially known as Michigan City Transit, it is made up of four routes that run on Monday-Saturday. All routes originate at Michigan City Public Library and travel around the city in (largely mono-directional) loops until they return to the library. Route 3 connects to Carroll Avenue South Shore Line station, while other routes connect to the 11th street station. In addition, Route 1 passes near the Amtrak station on the way to Washington Park. Michigan City also operates a Dial-a-Bus service.
Coach USA’s Indiana Airport SuperSaver service between The University of Notre Dame and O’Hare airport stopped at Michigan City at the La Porte County Convention and Visitors Bureau at Marquette Mall (4073 S. Franklin St). The service made stops at Notre Dame, South Bend, Portage, Highland, Crestwood and O’Hare and Midway airports. Buses ran from 4:10 am – 1:10 am (US Central Time). Buses ran once every hour in both direction between Michigan City and O’Hare and Midway and once every two hours between Michigan City and Notre Dame. On December 10, 2019 Coach USA announced it will cease operations of its Indiana Airport SuperSaver service effective January 1, 2020.
Michigan City Municipal Airport has a 4,100 foot asphalt runway and averages 118 operations per week.
Options for commercial air service include the South Bend International Airport in South Bend. The South Shore Line terminates at the South Bend airport, while there is a train stop serving the Gary airport.
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.
