Owner Operators Commercial Truck Insurance Near Me Slate Lick, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Slate Lick, 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 Slate Lick, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Slate Lick, 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.
Armstrong County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 65,558. The county seat is Kittanning. The county was organized on March 12, 1800, from parts of Allegheny, Westmoreland and Lycoming Counties. It was named in honor of John Armstrong, who represented Pennsylvania in the Continental Congress and served as a major general during the Revolutionary War.
Armstrong County is included in the Pittsburgh, PA Metropolitan Statistical Area.
Little is known of the pre-Columbian history of the area that is today called Armstrong County, but the often cited starting point begins with the civilization known colloquially as the Mound Builders. Many 19th-20th century famers throughout the county have unearthed artifacts from this time period, such as arrowheads. Unfortunately, several of the prominent earthen works characteristic of this culture have been removed for agricultural and settlement purposes. One prominent mound was located between present-day Kittanning and Ford City and was believed to have been an earthen fortification used to defend against other tribal peoples. Other mounds were found in Boggs, South Buffalo, and Washington townships. The aboriginal inhabitants were given the name “Allegewi” by the tribes that drove them out sometime between the 15th and 17th centuries.
Historical accounts describe the tribes that conquered the Allegewi as primarily the Lenni-Lenape or “Delaware” tribes, as well as bands of Mohawk, Oneidas, Cayugas, Onondagas, and Seneca. The Lenni-Lenape and Delaware tribes made semi-permanent and permanent settlements in and around present-day Kittanning, and much of the area functioned as their hunting and agricultural lands. Blockhouses built by the Lenni-Lenape, not unlike the early European settler dwellings, were commonly seen around Ford City, Kittanning, South Buffalo, Brady’s Bend, and Red Bank. The Lenni-Lenape were the primary inhabitants of the area and were the primary points of contact for European settlers in this area at the turn of the 18th century.
With the arrival of European settlers also came the competing claims to the territory, primarily between the French and British empires, who were engaged in what became known as the Seven Years’ War. As the global conflict between the two empires expanded into the “New World,” both sides attempted to court the many Native American tribes. Several tribes in the Allegheny River Valley, including the Lenni-Lenape, sided with the French during this time period, as their friendship appeared to be more advantageous to their own territorial claims against the British-friendly Iroquois Nations. In exchange for furs, freedom of movement in Lenni-Lenape territory, and guerilla raids on British troops and settlers, the French supplied weapons and other European goods and offered military protection to the friendly tribes. This agreement and similar alliances with other tribes allowed the French to become more well dug-in along the Allegheny River, most prominently at Fort Duquesne in present-day Pittsburgh. Several military engagements in the Ohio country (that would later become western Pennsylvania) were part of the greater conflict called the French and Indian War, so dubbed by the Anglo-American settlers in the region, a term still in use today.
One of the minor battles that erupted during the French and Indian War occurred at the present site of the Armstrong County seat, Kittanning, or Kit-hane-ink, as it was referred to by the Lenape, meaning “settlement by the main river.” Although the Battle of Kittanning was inconsequential to the greater conflict with the French and Indian tribes, it is an integral part of Armstrong County’s history. The expedition, led by Lieutenant Colonel John Armstrong, brought about the destruction of the Lenape village of Kittanning, which had served as a staging point for attacks by Lenape (Delaware) warriors against colonists in the British Province of Pennsylvania. Deep into hostile territory, the raid on Kittanning was the only major expedition carried out by Pennsylvania Provincial troops during the brutal backcountry war. It is often thought of by local historians as a type of pre-World War II Doolittle Raid.
With the surrender of George Washington at Fort Necessity in 1754 and Braddock’s defeat in 1755, the settlers on the Pennsylvania frontier were without professional military protection, and scrambled to organize a defense. The French-allied Indians who had defeated General Edward Braddock at the Monongahela were primarily from the Great Lakes region to the north. The local Indians, mostly Lenape and Shawnee who had migrated to the area after white colonists had settled their lands to the east, had waited to see who would win the contest—they could not risk siding with the loser. With Fort Duquesne now secured, the victorious French encouraged the Lenape and Shawnee to “take up the hatchet” against those who had taken their land.
Beginning about October 1755, Lenape and Shawnee war parties, often with French cooperation, began raiding settlements in Pennsylvania. Although European-Americans also waged war with cruelty, they found Indian warfare particularly brutal and frightening. Notable among the Indian raiders were the Lenape war leaders Shingas and Captain Jacobs, both of whom lived at Kittanning. The colonial governments of Pennsylvania and Virginia offered rewards for their scalps. Captain Jacobs was on an expedition led by Louis Coulon de Villiers that descended on Fort Granville (near present-day Lewistown) on the morning of August 2, 1756. The attackers were held off, but the garrison commander was killed, and his second in command surrendered the garrison, including the women and children, the next morning. The commander’s brother, Lieutenant Colonel John Armstrong, immediately organized an expedition of 300 men against Kittanning in response. Early on September 8, 1756, they launched a surprise attack on the Indian village. Many of the Kittanning residents fled, but Captain Jacobs put up a defense, holing up with his wife and family inside their home. When he refused to surrender, his house and others were set on fire, touching off gunpowder that had been stored inside. Captain Jacobs was killed and scalped after jumping from his home in an attempt to escape the flames. The battle ended when the entire village was engulfed in flames.
The destruction of Kittanning was hailed as a victory in Pennsylvania, and Armstrong was known afterwards as the “Hero of Kittanning”. He and his men collected the “scalp bounty” that had been placed on Captain Jacobs. However, the victory had limitations: the attackers suffered more casualties than they inflicted, and most of the villagers escaped, taking with them almost all of the prisoners that had been held in the village. The expedition also probably aggravated the frontier war; subsequent Indian raids that autumn were fiercer than ever. The Kittanning raid revealed to the village’s inhabitants their vulnerability, and many moved to more secure areas. A peace faction led by Shingas’s brother Tamaqua soon came to the forefront. Tamaqua eventually made peace with Pennsylvania in the Treaty of Easton, which enabled the British under General John Forbes to successfully mount an expedition in 1758 that drove the French from Fort Duquesne. Reenactments of the Battle of Kittanning have become a favorite pastime of the local inhabitants of present-day Armstrong County.
John Armstrong later served as a brigadier general in the Continental Army and as a major general in the Pennsylvania Militia during the Revolutionary War. He was also a delegate to the Continental Congress for Pennsylvania. Armstrong County, formed on March 12, 1800, from parts of Allegheny, Westmoreland and Lycoming Counties was named in the general’s honor.
In the early 1800s, most people in Armstrong County were “old stock Americans” of Scotch-Irish and English ancestry, whose ancestors had settled in the area prior to the American Revolution. In the decades following the American Civil War, and in particular between 1890 and 1910, immigrants arrived in large numbers from Germany, Italy, Ireland, and Poland.
As the county seat, Kittanning became the governmental, financial, and commercial hub for the county. In the 1890s, Water Street (sometimes called “Millionaire Row”) in Kittanning boasted more millionaire residents than anywhere else in Pennsylvania. Booming industries in the county such as coal, natural gas, plate glass, brick, ceramics, and iron created a strong local economy. Gradual population decline, via economic downturns, began in the 1970s and 1980s, and while there are still many coal mines and natural gas wells in operation throughout the county, the decline of the fossil fuel industry, due to government regulation and subsidizing of other sources of energy, has severely limited the economy of Kittanning . Recently, revitalization efforts have led to a beautification of Market Street in Kittanning in an effort to attract new businesses and people.
Three miles upriver from Kittanning is Ford City. Incorporated in 1887, Ford City was a company town for John Baptiste Ford’s renowned plate-glass industry, known today as Pittsburgh Plate Glass PPG Industries, a Fortune 500 Company. Eljer also operated a production facility along the river in Ford City that made ceramic toilets. The two companies employed nearly 10,000 people at the height of Armstrong County’s economy. Today, Ford City is a struggling, yet proud community that finds ways to keep its economy and heritage alive through creative businesses and lively festivals. In addition, Ford City is the future site of the Armstrong campus of Butler County Community College (BC3) – consistently ranked the Best Community College in Pennsylvania.
Armstrong County is home to the City of Parker, an incorporated third-class city, which was an oil boom town with a population rumored to be approximately 20,000 in 1873, but now is the “Smallest City in America” with a population of just under 800. Parker is located in the extreme northwest portion of the county.
Iron was made in the Brady’s Bend area of the county twenty years before there was a foundry in Pittsburgh doing so.
Elderton, whose name is derived from the famous resident of the area, Sara Elder, is a small community, home to the former Elderton Jr/Sr High School.
In 1869, Leechburg was the first place in the United States to use natural gas for metallurgical purposes. Natural gas was found while drilling for oil, and eventually introduced into the boilers and furnaces of Siberian Iron Works.
Freeport, Leechburg, and Apollo were communities built along the Pennsylvania Canal, which passed through on the Allegheny and Kiskiminetas rivers, at the southern border of the county.
Worthington is the county’s primary agricultural hub and lies just west of Kittanning along Route 422.
According to the U.S. Census Bureau, the county has a total area of 664 square miles (1,720 km), of which 653 square miles (1,690 km) is land and 11 square miles (28 km) (1.6%) is water.
The Allegheny and Kiskiminetas rivers; Buffalo, Crooked, Cowanshannock, Redbank, and Mahoning creeks; and Carnahan Run, among others, have watersheds within the county. The Murphy, Nicholson, Ross, and Cogley islands are in the Allegheny in Armstrong County.
Scrubgrass Creek arises in Wayne Township and flows through Boggs Township, passing Goheenville, to Pine Township where it empties into the Mahoning Creek at Mahoning Station.
Sugar Creek flows through Bradys Bend Township where it empties into the Allegheny River. Its tributaries include Cove Run, Hart Run, Holder Run, Long Run, Pine Run, and Whiskey Run.
Armstrong has a humid continental climate (Dfa/Dfb). Average monthly temperatures in Kittanning range from 27.3 °F in January to 72.6 °F in July.
As of the census of 2000, there were 72,392 people, 29,005 households, and 20,535 families residing in the county. The population density was 111 people per square mile (43 people/km). There were 32,387 housing units at an average density of 50 per square mile (19/km). The racial makeup of the county was 98.32% White, 0.82% Black or African American, 0.09% Native American, 0.12% Asian, 0.02% Pacific Islander, 0.13% from other races, and 0.50% from two or more races. 0.43% of the population were Hispanic or Latino of any race. 34.6% were of German, 10.8% Italian, 9.3% Irish, 8.7% American, 7.4% English and 5.7% Polish ancestry.
There were 29,005 households, out of which 29.50% had children under the age of 18 living with them, 57.90% were married couples living together, 9.00% had a female householder with no husband present, and 29.20% were non-families. 25.90% of all households were made up of individuals, and 13.70% had someone living alone who was 65 years of age or older. The average household size was 2.46 and the average family size was 2.95.
The distribution of the age of the population in the county was 22.90% under the age of 18, 7.20% from 18 to 24, 27.60% from 25 to 44, 24.20% from 45 to 64, and 18.00% who were 65 years of age or older. The median age was 40 years. For every 100 females, there were 94.70 males. For every 100 females age 18 and over, there were 92.10 males.
As of 17 July 2023, there were 40,638 registered voters in the county. The Republican Party accounts for a majority of the voters. There were 24,993 registered Republicans, 11,163 registered Democrats, 2,924 unaffiliated voters and 1,558 voters registered to other parties.
County Commissioners:
District Attorney:
Sheriff:
Coroner:
Controller:
Treasurer:
Register of Wills and Recorder of Deeds:
Prothonotary and Clerk of Courts:
Judges:
As reported by the Pennsylvania Department of Education – EdNA. April 2012.
There are six public libraries in Armstrong County:
Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and, in at most two cases, towns. The following cities, boroughs and townships are located in Armstrong County:
Census-designated places are geographical areas designated by the U.S. Census Bureau for the purposes of compiling demographic data. They are not actual jurisdictions under Pennsylvania law. Other unincorporated communities, such as villages, may be listed here as well.
The population ranking of the following table is based on the 2010 census of Armstrong County.
† county seat
John Armstrong Sr. – namesake of Armstrong County, civil engineer, American military general, Battle of Kittanning
William F. Johnston – Armstrong County Bar Association, abolitionist, 11th Governor of Pennsylvania 1848–1852, namesake of Johnston Ave. in Kittanning
Joseph Buffington – Judge, US Court of Appeals for the Third Circuit, US Circuit Courts for the Third Circuit, and US District Judge of the United States District Court for the Western District of Pennsylvania
John R. Phillips, Leechburg native, U.S. Ambassador to Italy
Andrew Jackson Faulk – born in Kittanning, third Governor of the Dakota Territory
George L. Shoup, First governor of Idaho, United States senator
US Congress: Samuel S. Harrison, Joseph Buffington Sr., Darwin Phelps, David Barclay, Joseph Grant Beale Daniel Brodhead Heiner, Jason Altmire
PA State Senators: Eben Kelley, Donald C. White, Albert Pechan
PA State Legislature: John S. Rhey, J. Alexander Fulton, John K. Calhoun, Franklin Mechling, Samuel B. Cochran, Timothy Pesci, Jeff Pyle, Abby Major
PA Supreme Court: James Thompson
John Gilpin – PA Constitutional Convention of 1873; namesake for Gilpin Township
John F. Hunter, Ohio state legislature
Donald R. Lobaugh, Freeport native, U.S. Army soldier and Medal of Honor recipient in World War II
Raymond Harvey, Ford City native, Medal of Honor recipient in Korean War
David Alter – Freeport, PA medical doctor; scientist; inventor of spectrum analysis, the idea that every element has its own emission spectrum: a breakthrough development in spectroscopy. The published article was: On Certain Physical Properties of Light Produced by the Combustion of Different Metals in an Electric Spark Refracted by a Prism published 1854
Ed Hobaugh – Kittanning native, MLB baseball player from Kittanning; right-hand pitcher for Washington Senators 1961-63
Mickey Morandini, Leechburg an MLB second baseman and coach, who played for the Philadelphia Phillies, Chicago Cubs, and Toronto Blue Jays. His career highlights include selection as a 1995 National League (NL) All-Star, playing for the Phillies in the 1993 NL Championship Series and World Series, and appearing for the Cubs in the 1998 NL Division Series. Also played for USA baseball in the 1988 Olympic Games is Seoul.
Dick Starr, major league pitcher, 1947–1951, New York Yankees, Washington Senators
Red Bowser, Freeport native, outfielder in Major League Baseball
Broc Hepler – Kittanning native, professional motorcross racing
Ryan Hemphill, Apollo native, NASCAR driver
Alex Kroll, professional football player for New York Titans (later Jets) and CEO of Young & Rubicam
Jack Lambert – American Football 4-time Super Bowl champion All-Pro linebacker for the Pittsburgh Steelers
Eric Ravotti, former NFL (Steeler) linebacker
Mitch Frerotte – an American professional football player who played as a guard for four seasons with the Buffalo Bills.
Gus Frerotte – former American football quarterback. He was drafted by the Washington Redskins in the seventh round of the 1994 NFL Draft. He played college football at Tulsa.
Bud Carson, former NFL coach, Steelers Defensive Coordinator for first two Super Bowl wins, helped develop the “Steel Curtain”
Greg Christy, played at Freeport High School, American football player, Buffalo Bills
Jeff Christy, played at Freeport High School, American football player, center for the Arizona Cardinals, the Minnesota Vikings, and the Tampa Bay Buccaneers from 1992 to 2003
Nick Bowers, NFL tight end for the Las Vegas Raiders, Kittanning native
Tim Levcik, American football player
Zigmund “Red” Mihalik, Hall of Fame basketball official
Teri Hope, actress
Ralph Patt, jazz guitarist
Don Taylor, actor and director
Nellie Bly, Apollo native, journalist and adventurer, widely known for her record-breaking trip around the world in 72 days and investigative journalism
David Coulter, banker
40°49′N 79°28′W / 40.81°N 79.46°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.
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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.