Owner Operators Commercial Truck Insurance Near Me Portsmouth, Virginia
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Portsmouth, 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 Portsmouth, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Portsmouth, 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.
Portsmouth is an independent city in southeast Virginia, United States. It lies across the Elizabeth River from Norfolk. As of the 2020 census, the population was 97,915. It is the 9th-most populous city in Virginia and is part of the Hampton Roads metropolitan area.
The Norfolk Naval Shipyard is a historic and active U.S. Navy facility located in Portsmouth.
In 1620, the future site of Portsmouth was recognized as a suitable shipbuilding location by John Wood, a shipbuilder, who petitioned King James I of England for a land grant. The surrounding area was soon settled as a plantation community.
Portsmouth was founded by Colonel William Crawford, a member of the Virginia House of Burgesses. It was established as a town in 1752 by an act of the Virginia General Assembly and was named for Portsmouth, England.
In 1767, Andrew Sprowle, a shipbuilder, founded the Gosport Shipyard adjacent to Portsmouth. The Gosport Shipyard at Portsmouth was owned by the Commonwealth of Virginia after the American Revolutionary War and was sold to the new United States federal government.
In 1855, the Portsmouth and Norfolk area suffered an epidemic of yellow fever which killed 1 of every three citizens. It became an independent city from Norfolk County in 1858.
During the American Civil War, in 1861, Virginia joined the Confederate States of America. Fearing that the Confederacy would take control of the shipyard at Portsmouth, the shipyard commander ordered the burning of the shipyard. The Confederate forces did in fact take over the shipyard, and did so without armed conflict through an elaborate ruse orchestrated by civilian railroad builder William Mahone (soon to become a famous Confederate officer). The Union forces withdrew to Fort Monroe across Hampton Roads, which was the only land in the area which remained under Union control.
In early 1862, the Confederate ironclad warship CSS Virginia was rebuilt using the burned-out hulk of USS Merrimack. Virginia engaged the Union ironclad USS Monitor in the famous Battle of Hampton Roads during the Union blockade of Hampton Roads. The Confederates burned the shipyard again when they left in May 1862.
Following the recapture of Norfolk and Portsmouth by the Union forces, the name of the shipyard was changed to Norfolk Naval Shipyard. The name of the shipyard was derived from its location in Norfolk County. The Norfolk Naval Shipyard today is located entirely within the city limits of Portsmouth, Virginia. The Norfolk Naval Shipyard name has been retained to minimize any confusion with the Portsmouth Naval Shipyard, which itself is actually located in Kittery, Maine, across the Piscataqua River from Portsmouth, New Hampshire.
During and after World War II, the shipyard flourished and suburban development surrounded both Norfolk and Portsmouth. Portsmouth continued as the county seat of Norfolk County until 1963 when the new city of Chesapeake was formed in a political consolidation with the city of South Norfolk. Portsmouth’s other county neighbor, the former Nansemond County, also consolidated with a smaller city, forming the new city of Suffolk in 1974.
One of the older cities of Hampton Roads, in the early 21st century, Portsmouth was undergoing moderate urban renewal in the downtown.
The APM “MAERSK” marine terminal for container ships opened in 2007 in the West Norfolk section.
The Olde Towne Historic District features one of the largest collections of historically significant homes between Alexandria, Virginia and Charleston, South Carolina. The Emanuel African Methodist Episcopal Church was built by slaves and free men and is the second-oldest building in Portsmouth and the city’s oldest black church.
The city contains a number of other historic buildings, as well, including the Pass House, which was built in 1841 by Judge James Murdaugh and occupied by Union troops from 1862 to 1865. Federal forces required Portsmouth residents to obtain a written pass to travel across the Elizabeth River and beyond. These passes were issued from the English basement and thus the name “Pass House” was derived.
Formerly the Naval Hospital Portsmouth, the Naval Medical Center Portsmouth is a United States Navy medical center adjacent to the Olde Towne Historic District and Park View Historic District. Founded in 1827, it is the oldest continuously running hospital in the Navy medical system with the motto “First and Finest.”
Located at 1 High Street in the Olde Towne Historic District, the Seaboard Coastline Building is a historic train station and former headquarters of the Seaboard Air Line railroad company.
A four-story 1825 English basement home furnished entirely with original family belongings. It is evident from the furnishings that the Hill family were avid collectors and lived graciously over a period of 150 years. The house remains in its original condition, with limited renovation through the years.
Established in 1832, Cedar Grove Cemetery is the oldest city-owned cemetery in Portsmouth. Listed on the National Register of Historic Places listings in Portsmouth, Virginia, the cemetery is noted for its funerary art and the civic, business, maritime, religious and military leaders who are buried there. Historical markers placed throughout the cemetery allow for self-guided tours. The cemetery is located between Effingham Street and Fort Lane in Olde Towne Portsmouth. Entrance is through the south gate to the cemetery, located on London Boulevard.
According to the U.S. Census Bureau, Portsmouth has a total area of 47 square miles (120 km), of which 34 square miles (88 km) is land and 13 square miles (34 km) (28.0%) is water. The city is also bisected by the West Branch of the Elizabeth River which flows from neighboring Suffolk.
Portsmouth’s mild humid subtropical climate means outdoor activities can be enjoyed year round. The weather in Portsmouth is temperate and seasonal. Summers are hot and humid with warm evenings. The mean annual temperature is 65 °F (18 °C), with an average annual snowfall of 3 inches and an average annual rainfall of 47 inches. No measurable snow fell in 1999. The wettest seasons are the spring and summer, although rainfall is fairly constant all year round. The highest recorded temperature was 105.0 °F in 1980. The lowest recorded temperature was -3.0 °F on January 21, 1985.
Additionally, the geographic location of the city, with respect to the principal storm tracks, is especially favorable, as it is south of the average path of storms originating in the higher latitudes, and north of the usual tracks of hurricanes and other major tropical storms. Snow falls rarely, averaging 3 inches (76 mm) per season.
As of the 2010 census, there were 95,535 people, 38,170 households, and 25,497 families residing in the city. The population density was 3,032.7 inhabitants per square mile (1,170.9/km). There were 41,605 housing units at an average density of 1,254.7 units per square mile (484.4 units/km). The racial makeup of the city was 53.3% African American, 41.6% White, 0.4% Native American, 1.1% Asian, 0.1% Pacific Islander, 1.0% from other races, and 2.6% from two or more races. Hispanic or Latino of any race were 3.1% of the population.
There were 38,170 households, out of which 30.6% had children under the age of 18 living with them, 41.1% were married couples living together, 10.9% have a female household with no husband present and 33.2% were non-families. 27.5% of all households were made up of individuals, and 10.8% had someone living alone who was 65 years of age or older. The average household size was 2.51 and the average family size was 3.05.
In the city, the population was spread out, with 25.7% under the age of 18, 11.1% from 18 to 24, 29.1% from 25 to 44, 20.3% from 45 to 64, and 13.8% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 93.5 males. For every 100 females age 18 and over, there were 90.6 males.
The median income for a household in the city was $46,340, and the median income for a family was $53,769. Males had a median income of $39,871 versus $33,140 for females. The per capita income for the city was $23,108. About 13.5% of families and 16.7% of the population were below the poverty line, including 27.1% of those under age 18 and 10.8% of those age 65 or over.
Portsmouth has a long history as a port town and city. The Olde Towne Business and Historical District is located in the downtown area, where a combination of preservation and redevelopment has been underway. An example is Hawthorn Hotel & Suites at The Governor Dinwiddie Hotel, which was renovated and reopened in 2005 after being closed for more than 10 years. It has been recognized by Historic Hotels of America, a program of the National Trust for Historical Preservation that identifies hotels that have maintained their historical integrity, architecture and ambiance and provides resources for their preservation. The historic hotel was named for Governor Robert Dinwiddie, who was the administrative head of the Colony of Virginia during the time Portsmouth was founded in 1752. It was largely through his efforts that Virginia survived the French and Indian War relatively well. (Dinwiddie County near Petersburg was also named for him).
Other points of interest include the Portsmouth City Park, featuring the 2 ft (610 mm) narrow gauge Portsmouth City Railroad with an operating Chance Rides C.P. Huntington locomotive named Pokey Smokey II. The original Pokey Smokey locomotive was built by Crown Metal Products and ran at the park for many years before being sold at auction. It now runs on the Mideast Railroad in Ederville in Carthage, North Carolina.
In addition, the Railroad Museum of Virginia located at Harbor Center Way features vintage railroad artifacts, rolling stock, and an operating model train layout.
Completed in 2023, the Rivers Casino Portsmouth boasts a 50,000-square-foot (4,600 m) casino floor with slots, table games, poker tables, and a sportsbook.
The Portsmouth Cavaliers were a basketball team founded in 2010 and played in the American Basketball Association for the 2011–12 season. Based in Portsmouth, Virginia, the Cavaliers played their home games at the Chick-fil-A Fieldhouse on the campus of Portsmouth Catholic Regional School. The club spent one season in the American Professional Basketball League (APBL) before folding.
Each April since 1953, the city hosts the Portsmouth Invitational Tournament, where college basketball seniors play in front of scouts from the NBA and top European leagues. Many top basketball stars played in the PIT before successful pro careers, including Jimmy Butler, Scottie Pippen, Dennis Rodman, and John Stockton.
Portsmouth is governed under the Council-Manager form of government. The current mayor is Navy veteran and businessman Shannon Glover. The City Hall Building, located at 801 Crawford Street, is the regular meeting place of the City Council of The City of Portsmouth, Virginia. The City Council is a legislative body served by six members, elected for four-year terms.
The Portsmouth Police Department has about 255 sworn law enforcement officers and 380 total employees.
In May 2019, Police Chief Tonya Chapman resigned from her position. She was replaced by Angela Greene who serves as interim chief.
Ten Portsmouth policemen have died in the line of duty, the first in 1871. Four of these died from gunshot wounds.
Crime in the city is much higher than elsewhere in Virginia or the United States generally.
Portsmouth Public Schools operates public schools. There are three public high schools in Portsmouth, Virginia, located at three corners of the city. In the northwest section of the city, off Cedar Lane, is Churchland High School. In the downtown section of the city, between London Blvd and High Street, is I.C. Norcom High School. In the southwest section of Portsmouth, on Elmhurst Lane, is Manor High School.
There are a number of institutions of higher education in and in close proximity to Portsmouth. The city is home to the Tri-Cities Higher Education Center of Old Dominion University (ODU), a public research university founded in 1930 whose main campus is located in Norfolk, Virginia. Portsmouth is also home to the Fred W. Beazley Portsmouth Campus of Tidewater Community College, a two-year higher education institution founded in 1968 in South Hampton Roads with additional campuses located in Chesapeake, Norfolk, and Virginia Beach. Angelos Bible College was established in 1984.
Portsmouth’s daily newspaper is the Virginian-Pilot with The Currents being the Portsmouth edition of the Sunday paper. Other papers include the New Journal and Guide, and Inside Business. Hampton Roads Magazine serves as a bi-monthly regional magazine for Portsmouth and the Hampton Roads area. The Hampton Roads Times serves as an online magazine for all the Hampton Roads cities and counties. Portsmouth is served by a variety of radio stations on the AM and FM dials, with towers located around the Hampton Roads area.
Portsmouth 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 stations are WHRO-TV 15, Hampton/Norfolk and WUND-TV 2, Edenton, NC. Portsmouth 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. Portsmouth is served by Cox Cable and Verizon FIOS. DirecTV and Dish Network are also popular as an alternative to cable television in Portsmouth. WAVY-TV and WVBT-TV are both sister stations owned by Nexstar and have their office and studio located in the city.
From the earliest development, Portsmouth has been oriented to the water. In the 1830s, it was the first community in Hampton Roads to receive a new land transportation innovation, railroad service. The Portsmouth and Roanoke Railroad, a predecessor of the Seaboard Air Line Railroad, extended to the rapids of the Roanoke River on its fall line near Weldon, North Carolina. It was to be 20 more years before its bigger neighbor, the city of Norfolk, also received a rail line, in 1858, when the Norfolk and Petersburg Railroad was completed. The Atlantic Coast Line Railroad operated passenger trains #36 and #5 to and from its North Portsmouth Station to Rocky Mount, North Carolina until 1954. In earlier years ACL ran trains including the Tar Heel all the way south to Wilmington, North Carolina.
From Seaboard Terminal the Seaboard Air Line and then the Seaboard Coast Line Railroad operated #17 and #18 to and from Raleigh, North Carolina, where the train joined with those companies’ Silver Comet. The SAL also operated a local all-coach train (#3-11 southbound/#6-10 northbound) to Atlanta from the terminal. The 17/18 trains ended in 1968.
Portsmouth is primarily served by the Norfolk International Airport (IATA: ORF, ICAO: KORF, FAA LID: ORF), now the region’s major commercial airport. The airport is located near Chesapeake Bay, along the city limits of neighboring Norfolk and Virginia Beach. Seven airlines provide nonstop services to twenty-five destinations. ORF had 3,703,664 passengers take off or land at its facility and 68,778,934 pounds of cargo were processed through its facilities. Newport News/Williamsburg International Airport (IATA: PHF, ICAO: KPHF, FAA LID: PHF) also provides commercial air service for the Hampton Roads area. The Chesapeake Regional Airport provides general aviation services and is located five miles (8.0 km) outside the city limits.
In the 21st century, the city has access to lines of CSX Transportation, Norfolk Southern and three short line railroads. Amtrak provides service to points along the Northeast Corridor from Newport News station across the Hampton Roads, and from Norfolk station across the Elizabeth River.
Portsmouth is served by Interstate 264 and Interstate 664, which is part of the Hampton Roads Beltway. U.S. Route 17 and U.S. Route 58 pass through. The Elizabeth River is crossed via the Midtown Tunnel, the Downtown Tunnel and Berkley Bridge combination.
Transportation within the city, as well as the other cities of Hampton Roads, is served by a regional bus service, Hampton Roads Transit.
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.
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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.