Owner Operators Commercial Truck Insurance Near Me Shohola Falls, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Shohola Falls, 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 Shohola Falls, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Shohola Falls, 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.
Pike County is a county in the Commonwealth of Pennsylvania. It is part of Northeastern Pennsylvania. As of the 2020 census, the population was 58,535. Its county seat is Milford.
Pike County is included in the New York-Newark-Jersey City, NY-NJ-CT-PA Metropolitan Statistical Area.
Pike County was named for General Zebulon Pike. It was organized on March 26, 1814, from part of Wayne County, Pennsylvania. Some English settlement in the area had started during the colonial years.
The longtime original inhabitants were the Lenape Native Americans, known by the English colonists as the Delaware Indians because their territory was along the Delaware River (as named by the colonists), as well as the coastal mid-Atlantic area. In 1694, Governor Benjamin Fletcher of the colony of New York sent Captain Arent Schuyler to investigate claims that the French were recruiting Indian allies for use against the English. In 1696, governor Fletcher authorized purchases of Indian land near the New York border by a number of citizens of Ulster County; their descendants became the first European settlers of what became Pike County.
Nicholas Depui was the first to settle in the area, in 1725. Thomas Quick moved to the area that would become Milford in 1733. Andrew Dingman settled on the Delaware River at the future site of Dingmans Ferry in 1735. The early settlers got along well with the Lenape and traded with them. As settlement increased and their land practices encroached on Lenape uses, land disputes arose. The colonists’ infamous Walking Purchase of 1737 swindled the Lenape out of more than half of present-day Pike County. As the Lenape realized what had happened, violent conflicts arose between them and the colonists.
Early in the nineteenth century, coal was discovered nearby in the area that would become Carbondale. This became especially significant as the British restricted export of British coal to the United States after the War of 1812, creating a fuel shortage in rapidly expanding New York City. To get the coal to New York, developers proposed a gravity railroad from Carbondale to Honesdale, along with a canal from Honesdale to the Hudson River at Kingston.
The state of New York approved the canal proposal in 1823. Work on the 108-mile (174 km) Delaware and Hudson Canal began in 1825 and was completed in 1828. The canal system, which terminated at the Hudson River near present-day Kingston, proved profitable. But the barges had to cross the Delaware via a rope ferry across a “slackwater dam,” which created bottlenecks in the canal traffic and added greatly to the cost of transportation.
John Roebling proposed continuing the canal over the river as part of an aqueduct. Built in 1848, his innovative design required only three piers, where five would ordinarily have been required; this allowed ice floes and timber rafts to pass under with less damage to the bridge. Three other suspension aqueducts were subsequently built for the canal. Roebling’s Delaware Aqueduct is still standing, possibly the oldest suspension bridge in America; it has been named a National Historic Landmark.
For fifty-one years, coal flowed to New York City via the canal. But the development of railroads, which were faster, cheaper, and operated even when the canals were frozen, brought the end of the canal era. The New York and Erie Railroad supplanted the canal and in 1898 the water route was abandoned.
From 1904 to 1926, Grey Towers in the borough of Milford, Pennsylvania was the site of summer field study sessions for the Master’s program of the Yale School of Forestry, together with the Forester’s Hall, a commercial building that was adapted and expanded for this purpose.
In 1926, PPL Corporation built a hydroelectric plant on Wallenpaupack creek at the former village of Wilsonville. The town was evacuated and now lies under Lake Wallenpaupack, created by a dam. A crew of 2,700 men worked for two years to complete the dam for the project at a cost of $1,026,000. This required the acquisition of nearly a hundred properties, and a number of farms, barns, and homes were razed or moved. In addition, 17 miles (27 km) of roads and telephone lines were relocated, and a cemetery was moved to make way for the project.
The largely rural area of the county made it attractive as a country destination. Several camps were developed in the area of Milford, Pennsylvania, the county seat. It has several hundred late 19th and early 20th-century buildings that contribute to a National Historic District listed on the National Register of Historic Places. Yale ran summer field studies for its Master’s program in forestry there from 1904 to 1926.
Since the late 20th century, Pike County has been the fastest-growing county in Pennsylvania; between 1990 and 2000, its population increased by 65.2%, and it grew an additional 16.9% between 2000 and 2004. The area has relatively low state and county taxes, and affordable housing. Interstate 80 and Interstate 84 provide rapid commutes to New York City’s northern suburbs.
According to the U.S. Census Bureau, the county has a total area of 567 square miles (1,470 km), of which 545 square miles (1,410 km) is land and 22 square miles (57 km) (3.9%) is water.
The terrain rises rapidly from the river valley in the east to the rolling foothills of the Poconos in the west. The highest point is one of two unnamed hills in Greene Township that top out at approximately 2,110 feet (643 m) above sea level. The lowest elevation is approximately 340 feet (100 m), at the confluence of the Bushkill and the Delaware rivers.
Pike County has a humid continental climate that is warm-summer (Dfb), except along the Delaware River from Dingmans Ferry downriver, where it is hot-summer (Dfa). The hardiness zones are 5b and 6a. Average monthly temperatures in Milford range from 25.6 °F in January to 71.3 °F in July, while in Greentown they average from 22.8 °F in January to 68.5 °F in July.
As of the 2010 census, there were 57,369 people living in the county. The county was 88.6% Non-Hispanic White, 6.3% Black or African American, 0.5% Native American, 1.2% Asian, and 1.7% were two or more races. 10.2% of the population were of Hispanic or Latino ancestry.
As of the census of 2000, there were 46,302 people, 17,433 households, and 13,022 families living in the county. The population density was 85 inhabitants per square mile (33/km). There were 34,681 housing units at an average density of 63 units per square mile (24/km). The racial makeup of the county was 93.10% White, 3.27% Black or African American, 0.24% Native American, 0.62% Asian, 0.01% Pacific Islander, 1.30% from other races, and 1.47% from two or more races. 5.00% of the population were Hispanic or Latino of any race. 18.9% were of German, 18.6% Irish, 18.5% Italian, 6.2% English and 5.3% Polish ancestry.
There were 17,433 households, out of which 34.40% had children under the age of 18 living with them, 63.50% were married couples living together, 7.60% had a female householder with no husband present, and 25.30% were non-families. 20.70% of all households were made up of individuals, and 8.40% had someone living alone who was 65 years of age or older. The average household size was 2.63 and the average family size was 3.06.
In the county, the population was spread out, with 26.70% under the age of 18, 5.30% from 18 to 24, 27.70% from 25 to 44, 25.10% from 45 to 64, and 15.20% who were 65 years of age or older. The median age was 40 years. For every 100 females, there were 99.30 males. For every 100 females age 18 and over, there were 97.30 males.
As of Q4 2021, the median home value of all homes in Pike County is $214,981.
As of November 2022, there were 44,664 registered voters in Pike County.
The Republican Party has been historically dominant in county-level politics. For statewide and national-level candidates, Pike County has leaned toward the Republican Party. In 2000 Republican George W. Bush won 53% to Democrat Al Gore’s 42%. In 2004 Republican George W. Bush won 58% to Democrat John Kerry’s 40%. Population growth (and the ensuing influx of new residents) resulted in an increase in Democratic vote share in the county throughout the 2000s; in 2006, Democratic Governor Ed Rendell carried the county with 53% of the vote, while in 2008 Republican John McCain won by a margin of only 4% and the county split its tickets between Democratic and Republican statewide candidates. In the 2010s and 2020s, however, Pike, like much of the rest of Northeastern Pennsylvania, trended against Democratic candidates.
In 2011, Porter Township residents successfully petitioned the Pennsylvania Secretary of Education to transfer the township from East Stroudsburg Area School District to Wallenpaupack Area School District. The appeal by East Stroudsburg Area School District was heard by the Commonwealth Court in April 2012.
Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and, in at most two cases, towns. The following boroughs and townships are located in Pike County:
The population ranking of the following table is based on the 2020 census of Pike County.
† county seat
41°20′N 75°02′W / 41.33°N 75.03°W
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.