Owner Operators Commercial Truck Insurance Near Me Radnor Township, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Radnor Township, Pennsylvania. 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 Radnor Township, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Radnor Township, Pennsylvania 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.
Radnor Township, often called simply Radnor, is a first class township with home rule status in Delaware County, Pennsylvania, United States. As of the 2019 United States census estimate, the township population is 31,875. Radnor Township is the largest municipality in Delaware County by land area and the fourth-largest by population, following Upper Darby Township, Haverford Township, and Chester.
Radnor Township is one of the oldest municipalities in Pennsylvania. Radnor Township was founded as a part of the Welsh tract. The original settlers were Welsh-speaking Quakers, led by John Roberts, in an attempt to establish an barony of Wales in Pennsylvania. In about 1681, a group of Welsh Quakers met with William Penn to secure a grant of land in which they could conduct their affairs in their own language. The parties agreed on a tract covering 40,000 acres (160 km), to be constituted as a separate county whose people and government could conduct their affairs in Welsh. William Penn, an English Quaker, laid out the township in an elongated rectangle located parallel to the Schuylkill River, and the borders of the township have remained unchanged since its founding in 1682.
In 1717, the Welsh Friends built a meeting house on a trail made by the Susquehannock Indians in Radnor Township. Radnor Township grew around the meeting house and remained the center of population of the township for 200 years. The new township was named Radnor after the county in Wales called Radnorshire. The influence of the Welsh, some of whom were forced by heavy taxation to sell their land, waned in the latter half of the 18th century. A hint of Radnor’s beginnings remain in the names of streets and places evident throughout the community, such as the St. Davids neighborhood, named for Saint David, the patron saint of Wales.
There are a number colleges and universities located in Radnor Township, of which the two largest are Villanova University and Cabrini University. The Valley Forge Military Academy and College is located in the neighborhood of Wayne and Eastern University is located in the neighborhood of St. Davids.
In 1681, Richard Davies purchased 5,000 acres from William Penn. These lands were sold to various purchasers and were mainly in the location of current Radnor Township. The township was part of the Welsh Tract and was named for Radnorshire in Wales. In 1717, the Welsh Friends erected a Quaker meetinghouse (Radnor Friends Meetinghouse) near what is now the intersection of Conestoga Road and Sproul Road at the geographic center of the township. The new town, “Radnorville”, later known as the community of “Ithan” after nearby Ithan Creek, grew around the meetinghouse. The Welsh influence waned in the late 18th century as many left the area due to high taxation. Stone monuments were erected in various locations throughout the township in the late 20th century to commemorate the township’s Welsh heritage.
In 1794, the Philadelphia and Lancaster Turnpike was built through Radnor Township, making it the first toll road in the United States, and connecting the cities of Philadelphia and Lancaster, Pennsylvania. The turnpike was populated by businesses over time and forms the modern Lancaster Avenue. Lancaster Avenue is the largest and busiest roadway in Radnor Township that is not an interstate, and along it lies many notable places, including Villanova University and Downtown Wayne.
The Columbia Railroad, later part of the Pennsylvania Railroad also passed through the township in 1832. As a result, Radnor Township is today recognized among the collection of Philadelphia suburbs known as the Main Line. The Main Line railroad facilities are still used by SEPTA (the Philadelphia area’s transit authority) for its Paoli/Thorndale Line and Amtrak.
In the 1880s, George W. Childs bought property in the community of Louella in the western part of Radnor Township, renamed the area Wayne, Pennsylvania (after American Revolutionary War hero Anthony Wayne) and organized one of the United States’s first suburban developments.
A separate railroad passing through Radnor Township, the Philadelphia and Western Railroad, was opened in the early 20th century. Today, parts of that railroad are still used as SEPTA’s Norristown High Speed Line, while others have been repurposed into walking trails.
According to the U.S. Census Bureau, the township has a total area of 13.8 square miles (35.7 km), of which 13.8 square miles (35.6 km) is land and 0.07% is water. Waterways in Radnor Township include Darby Creek, Ithan Creek, Little Darby Creek, Meadowbrook Run, and Gulph Creek.
Radnor Township has a hot-summer humid continental climate (Dfa) and the hardiness zone is 7a. Average monthly temperatures in St. Davids range from 30.7 °F in January to 75.4 °F in July.
Radnor Township is divided into many neighborhoods. Some of these neighborhoods are well-defined, while others have unclear boundaries. The unincorporated community of Wayne is further divided into smaller historic districts: the North Wayne Historic District and South Wayne Historic District, used as residential areas, and the Downtown Wayne Historic District used for commercial activity. Some mainly residential neighborhoods include St. Davids, Ithan and Rosemont. The unincorporated communities of Garrett Hill and Villanova are notable for their substantial Catholic populations. Some neighborhoods, such as Strafford and Bryn Mawr, are split over municipal lines and are shared by at least one other township adjacent to Radnor.
As of 2010 census, the racial makeup of the township was 85.8% White, 3.9% African American, 0.2% Native American, 7.9% Asian, 0.6% from other races, and 1.6% from two or more races. Hispanic or Latino of any race were 3.0% of the population Explore Census Data.
As of the 2000 census, there were 30,878 people, 10,347 households, and 6,373 families residing in the township. The population density was 2,244.3 inhabitants per square mile (866.5/km). There were 10,731 housing units at an average density of 779.9 per square mile (301.1/km). The racial makeup of the township was 89.55% White, 5.67% Asian, 3.09% African American, 0.08% Native American, 0.02% Pacific Islander, 0.62% from other races, and 0.98% from two or more races. 2.03% of the population were Hispanic or Latino of any race.
There were 10,347 households, out of which 29.4% had children under the age of 18 living with them, 52.9% were married couples living together, 6.8% had a female householder with no husband present, and 38.4% were non-families. 31.1% of all households were made up of individuals, and 12.1% had someone living alone who was 65 years of age or older. The average household size was 2.39 and the average family size was 3.08.
In the township, the population was spread out, with 19.5% under the age of 18, 24.0% from 18 to 24, 22.5% from 25 to 44, 20.6% from 45 to 64, and 13.4% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 87.2 males. For every 100 females age 18 and over, there were 83.6 males.
According to a 2007 estimate, the median income for a household in the township was $86,812, and the median income for a family was $113,601. Males had a median income of $71,308 versus $42,652 for females. The per capita income for the township was $39,813. About 2.4% of families and 6.7% of the population were below the poverty line, including 2.9% of those under age 18 and 7.8% of those age 65 or over.
The population of Radnor Township in 2010 was 31,531. Of these, about 20,337 (64.5%) were estimated to belong to some form of organized religion. Pennsylvania was unique in its guarantee of religious freedoms, one result of this uncommon freedom was a wide religious diversity, which continues to the present.
Quakerism was brought to Radnor after William Penn granted Welsh settlers land west of Philadelphia to establish the Welsh Tract. The Radnor Friends Meetinghouse was built in 1717. Beginning in the nineteenth century, an influx of Irish, Italian, and Polish immigrants to the Delaware Valley caused the growth of Catholic neighborhoods in Garrett Hill and Villanova. The development of these Catholic communities expanded further with the foundation of Villanova University and Cabrini University.
According to Sperling’s BestPlaces, the largest religious group in Radnor Township is the Catholic Church, represented by the Archdiocese of Philadelphia. Almost half of Radnor residents identify as Catholics, and there are more Catholic parishes in Radnor than any other religious group. According to the Archdiocese of Philadelphia, Radnorites are served by five parishes: St. Thomas of Villanova Parish, St. Katharine of Siena Parish, SS. Colman and John Neumann Parish, Our Mother of Good Counsel Parish, and St. Monica Parish.
St. David’s Episcopal Church is one of the oldest houses of worship in Radnor and one of the oldest in the United States. Its parish is divided between Radnor and Newtown Township in Delaware County, as well as Easttown Township in Chester County. St. David’s Episcopal Parish is the largest in the Episcopal Diocese of Pennsylvania.
As of 2000, 90.57% (26,115) of Radnor residents aged five and older spoke only English at home, while 9.43% (2,720) spoke any language besides English. Among the largest were Spanish (2.46%), French (0.99%) and Chinese (0.87%).
St. Thomas of Villanova Church in Villanova is known for its Gothic revival architecture. The church, built between 1883 and 1887, is considered to have been the tallest man-made structure between the Delaware River and Lancaster at the time of its construction. Today, the church is nearly entirely whitewashed on the interior and lit by blue stained glass windows. Much of the original decoration has been preserved, although moved to different locations in the parish and campus. The windows enclosing the nave depict the life of St. Augustine.
St. David’s Episcopal Church, whose graveyard, and buildings begun in 1715, is listed on the National Register of Historic Places. The grave yard hosts many founders including the celebrated revolutionary General “Mad” Anthony Wayne. It is rumored his ghost periodically travels from the st Davids church yard to the site of his death located in western, PA.
The Bridge in Radnor Township No.1, Bridge in Radnor Township No.2, Camp-Woods, Chanticleer, Downtown Wayne Historic District, Glenays, North Wayne Historic District, Pennsylvania Railroad Station at Wayne, Radnor Friends Meetinghouse, South Wayne Historic District, Wayne Hotel, and Woodcrest are listed on the National Register of Historic Places.
Other historic structures in Radnor Township include the Sorrel Horse, a former tavern located on Conestoga Road that sheltered George Washington and Lafayette during the Continental Army’s retreat back to Philadelphia from the Battle of Brandywine.
Lincoln Financial Group is headquartered in Radnor Township. In 2007 the company moved 400 employees, including its top executives, to Radnor from Philadelphia. Other companies based in Radnor Township include, J. G. Wentworth, TV Guide magazine, and Airgas.
According to Radnor Township’s 2013 Comprehensive Annual Financial Report, the top employers in the city are:
Pupils in Radnor Township attend Radnor Township School District. Radnor High School and Radnor Middle School are the sole public high and middle schools of the district. There are three elementary schools in the RTSD: Radnor Elementary School, Ithan Elementary School, and Wayne Elementary School.
Archbishop John Carroll High School, a Roman Catholic High School in the Archdiocese of Philadelphia. Valley Forge Military Academy and College contains a boarding school program for seventh through twelfth grades.
The Agnes Irwin School is an all-girls school for prekindergarten through twelfth grade.
St. Katharine of Siena is a Catholic school in Wayne for students in kindergarten through eighth grade.
The Hill Top Preparatory School is a school located in Ithan for students with learning disabilities in fifth through twelfth grade. Armenian Sisters Academy, an Armenian primary school, has a Radnor postal address but is located in Upper Merion Township.
Villanova University, Eastern University, and Cabrini University are located within Radnor Township. Valley Forge Military Academy and College operates a two-year junior college.
Radnor Township is home to the Villanova Wildcats, the NCAA Division I athletic program of Villanova University, the Cabrini Cavaliers, the NCAA Division III athletic program of Cabrini University, and the Eastern Eagles, the NCAA Division III athletic program of Eastern University.
The Villanova Wildcats have a storied athletic program, the pinnacle of which being their men’s basketball program. The Wildcats are consistently ranked among the AP Top 25, and won the NCAA Division I men’s basketball tournament in 1985, 2016, and 2018. Each of these championships featured celebrations by students at the intersection of Lancaster and Ithan Avenues.
The Cabrini Cavaliers won their first NCAA Division III Men’s Lacrosse Championship in 2019, defeating the Amherst Mammoths by a score of 16–12.
Radnor Township is serviced by SEPTA Regional Rail’s Paoli/Thorndale Line which has stations within the township at Wayne, St. Davids, Radnor, and Villanova. Eastern Radnor Township is served by SEPTA’s Norristown High Speed Line, an interurban heavy rail line. Within Radnor Township, there are seven stations located at Bryn Mawr, Roberts Road, Garrett Hill, Stadium – Ithan Avenue, Villanova, Radnor, and County Line.
SEPTA Suburban Bus Route 106 runs through the center of Radnor Township via Lancaster Avenue, excluding a brief deviation along King of Prussia and Radnor-Chester Roads to service the Norristown High Speed Line’s Radnor Station and Paoli/Thorndale Line’s Radnor Station. The 106 serves the communities of Rosemont, Villanova, St. Davids, Radnor, and Wayne with westbound access to Paoli and eastbound access to the 69th Street Transportation Center in Upper Darby. The 105 bus formerly drove a route similar to that of the 106, but a 2016 schedule change moved the route’s western terminus to Rosemont Station, on Montrose Avenue near the border of Radnor Township and Lower Merion Township. Since 2017, the route runs parallel to Radnor Township’s border on Airedale Road, but never enters the township.
As of 2018, there were 118.96 miles (191.45 km) of public roads in Radnor Township, of which 33.59 miles (54.06 km) were maintained by Pennsylvania Department of Transportation (PennDOT) and 85.37 miles (137.39 km) were maintained by the township.
Highways serving Radnor Township include U.S. Route 30, which passes east–west through the township on Lancaster Avenue (part of the historical Lincoln Highway), Pennsylvania Route 320, which passes north–south through the township along Sproul Road and Spring Mill Road; and Interstate 476, which passes north–south through the township on the Blue Route and has an interchange with US 30.
The corporate offices of Main Line Health are located in the Radnor Financial Center, as is the Thomas Jefferson University Marcus Institute clinic. In 2020, Penn Medicine opened a hospital next to the Blue Route called Penn Medicine Radnor.
Taps was filmed at Valley Forge Military Academy and College.
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.