Owner Operators Commercial Truck Insurance Near Me Wooster, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Wooster, Ohio. 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 Wooster, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Wooster, Ohio 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.
Wooster ( WUUS-tər) is the county seat of Wayne County, Ohio, United States. Located in northeastern Ohio, the city lies approximately 50 mi (80 km) south-southwest of Cleveland, 35 mi (56 km) southwest of Akron and 30 mi (48 km) west of Canton. The population was 27,232 at the 2020 census. It is the largest in Wayne County, and the center of the Wooster micropolitan area. Wooster has the main branch and administrative offices of the Wayne County Public Library, and is home to the private College of Wooster. fDi magazine ranked Wooster among North America’s top 10 micro cities for business friendliness and strategy in 2013.
Wooster was established in 1808 by John Bever, William Henry, and Joseph Larwill and named after David Wooster, a general in the American Revolutionary War.
According to the United States Census Bureau, the city has a total area of 16.36 square miles (42.37 km), of which, 16.31 square miles (42.24 km) is land and 0.05 square miles (0.13 km) is water.
The local bedrock consists of the Cuyahoga Formation (shale) and the overlying Logan Formation (sandstone and conglomerate), both Lower Carboniferous and rich in fossils.
In 2011, 93.3% spoke English, 2.4% Spanish, and 1.3% German.
As of the census of 2010, there were 26,119 people, 10,733 households, and 6,244 families residing in the city. The population density was 1,601.4 inhabitants per square mile (618.3/km). There were 11,822 housing units at an average density of 724.8 per square mile (279.8/km). The racial makeup of the city was 91.2% White, 3.6% African American, 0.3% Native American, 1.9% Asian, 0.7% from other races, and 2.4% from two or more races. Hispanic or Latino of any race were 2.2% of the population.
There were 10,733 households, of which 26.5% had children under the age of 18 living with them, 43.1% were married couples living together, 11.3% had a female householder with no husband present, 3.8% had a male householder with no wife present, and 41.8% were non-families. 35.4% of all households were made up of individuals, and 14.2% had someone living alone who was 65 years of age or older. The average household size was 2.21 and the average family size was 2.86.
The median age in the city was 37.3 years. 20.4% of residents were under the age of 18; 14.8% were between the ages of 18 and 24; 23.1% were from 25 to 44; 25.1% were from 45 to 64; and 16.6% were 65 years of age or older. The gender makeup of the city was 47.6% male and 52.4% female.
As of the census of 2000, there were 24,811 people, 10,040 households, and 6,174 families residing in the city. The population density was 1,726.1 inhabitants per square mile (666.5/km). There were 10,674 housing units at an average density of 742.6 per square mile (286.7/km). The racial makeup of the city was 92.59% White, 3.82% African American, 0.26% Native American, 1.54% Asian, 0.01% Pacific Islander, 0.36% from other races, and 1.42% from two or more races. Hispanic or Latino of any race were 1.07% of the population.
There were 10,040 households, out of which 28.4% had children under the age of 18 living with them, 46.9% were married couples living together, 11.2% had a female householder with no husband present, and 38.5% were non-families. 32.4% of all households were made up of individuals, and 11.7% had someone living alone who was 65 years of age or older. The average household size was 2.28 and the average family size was 2.88.
In the city, the population was spread out, with 22.0% under the age of 18, 14.9% from 18 to 24, 25.9% from 25 to 44, 22.4% from 45 to 64, and 14.8% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 91.3 males. For every 100 females age 18 and over, there were 88.3 males.
The median income for a household in the city was $37,400, and the median income for a family was $47,118. Males had a median income of $34,021 versus $23,608 for females. The per capita income for the city was $21,505. About 7.8% of families and 10.4% of the population were below the poverty line, including 14.5% of those under age 18 and 8.0% of those age 65 or over.
Wooster is the headquarters of several industrial entities. Buehler Food Markets Inc., Wooster Brush, Seaman Corp., Tricor Industrial, CRW Inc, and Certified Angus Beef have corporate headquarters located in Wooster. Rubbermaid made its corporate headquarters in Wooster until the end of 2003. LuK, the German maker of dual-clutch transmissions has its North America headquarters in Wooster where mainly torque converters are produced. Other large commercial operations in Wooster are Frito-Lay, Akron Brass, United Titanium, Western Reserve Group Insurance Company, Daisy Brands, and Bogner Construction Company. Wooster is also the world headquarters of the Prentke Romich Company (PRC) which is a member of a consortium of companies that produce assistive technology and augmentative communication devices.
For its size, Wooster is also dedicated to the “industry of education.” It has the College of Wooster, and two subsidiaries of Ohio State University: the Agricultural Technical Institute (ATI); and the Ohio Agricultural Research and Development Center (OARDC), a teaching and research facility dedicated to agricultural science.
In addition to these industries, Wooster remains an agricultural center for Ohio. The OARDC enriches the local farms with knowledge and expertise, which is proudly displayed at the annual Wayne County Fair, held each September (see also Fair). Students in Wooster and surrounding rural communities continue to enroll in youth farming programs such as 4-H and National FFA Organization. Many Amish farmers come to Wooster by horse-and-buggy for commerce as well. In June 2013, the city of Wooster announced that Daisy Brand, a sour cream producer, plans to open a new Midwest manufacturing plant in Wooster. Daisy Brand promised to create at least 89 full-time positions and is slated to begin production sometime in 2016.
The overlap of strong education and advanced manufacturing has led to number of small innovative firms being founded in Wooster in recent years including Quasar Energy Group, ExpenseWire, ABS Materials, 3i-ingredients, and Cureo. Wooster also has a local food community including Local Roots, a collective year round farmer’s market for locally produced goods. At present, there are over 150 local farmers and producers. Local Roots has garnered national attention for its innovative efforts.
Wooster, and the greater Wayne County community, is served by the Wayne Center for the Arts, which displays artwork by local artists, offers instructional courses, and stages performances.
The College of Wooster is home to the Ohio Light Opera, a professional opera company that performs the light opera repertory, including Gilbert and Sullivan, and American, British, and continental operettas of the late 19th and early 20th centuries.
The Wooster Symphony Orchestra, founded in 1915, is a joint venture between the Wooster community and the College of Wooster. The Symphony is the second oldest continually performing in the state.
For the 2007–2008 season, Wooster was granted a team in the Mid-Atlantic Hockey League called the Wooster Warriors. The MAHL suspended operations of February 2008, and the Warriors subsequently relocated to Trenton, Michigan.
Wooster was the home to the Wooster Korn Kings, which was a minor league professional ice hockey team that was a member of the All American Hockey League. The team’s home arena was Alice Noble Ice Arena.
The Wooster Oilers began playing at the Alice Noble Ice Arena in 2006. The team competes in the North American 3 Hockey League, and won the 2009–2010 championship. The team moves players to higher levels of junior or college hockey.
Wooster Memorial Park, locally known as Spangler Park, contains 7 mi (11 km) of hiking trails through woods, ravines, and open fields along the Rathburn Run. Christmas Run Park has playgrounds, pavilions, and a picnic area. Schellin Park has a skate park, playground and picnic facilities. Oak Hill Park has pavilions and paved walking trails. Freedlander park has the pool, basketball courts, pavilions, and a pond as well.
Acres of Fun is a local entertainment complex which offers family activities like go-karting and laser tag. The College of Wooster has a golf course, bowling alley, and multipurpose athletic facility open to the public. Also located in the city is Wooster Skateland, an indoor ice skating and hockey facility open year-round.
The city is governed by an elected mayor. On January 1, 2008, former Councilman Bob Breneman (R) was sworn in as Mayor.
There is a seven-member City Council: Mark Cavin (D-1st Ward), Jennifer Warden (D-2nd Ward), David Silvestri (R-3rd Ward), Scott Myers (I-4th Ward), and at-large members Bill Bostansic (D), Jon Ansel (R) and Craig Sanders (R). Meetings are presided over by Mike Buytendyk (R) the City Council president who is elected at-large and only votes to break a tie. Jon Ansel is the council president pro tempore.
As of 2023, the city is represented in the Ohio House of Representatives by Scott Wiggam (R); in the Ohio Senate by Kristina Roegner (R); in the U.S. House of Representatives by Max Miller (R), and in the U.S Senate by Sherrod Brown (D) and J. D. Vance (R).
The city has a daily newspaper, The Daily Record, previously published by Dix Communications/Wooster Republican Printing Co. Currently published by Gannett, and a weekly paper, The Wooster Weekly News, published by Graphic Publications Inc. In addition, the Akron Beacon Journal occasionally covers the city and Wayne County. Students of Wooster High School publish a bi-weekly student run publication, The Wooster Blade.
The city has a locally owned interactive city magazine, WoosterGrapevine.com. It includes local news, events, classifieds, arcades, photos, videos, and other local information.
U.S. Route 30 and U.S. Route 250, as well as Ohio State Route 3 and Ohio State Route 83, run through the center of the city.
The Wayne County Airport (BJJ) serves as an air access point for many of the businesses throughout the city. The Akron-Canton Airport is the nearest commercial airport with scheduled passenger flights.
Prior to Amtrak’s establishment the Penn Central ran the daily Manhattan Limited (Chicago – Pittsburgh – New York City) through Wooster.
The following individuals were born in, raised in, lived in, or currently live in Wooster.
Wooster has one sister city:
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.
