Owner Operators Commercial Truck Insurance Near Me Zanesville, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Zanesville, 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 Zanesville, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Zanesville, 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.
Zanesville is a city in and the county seat of Muskingum County, Ohio, United States. Located at the confluence of the Licking and Muskingum rivers, the city is approximately 52 miles (84 km) east of Columbus and had a population of 24,765 as of the 2020 census, down from 25,487 as of the 2010 census. Historically the state capital of Ohio from 1810 to 1812, Zanesville anchors the Zanesville micropolitan area (population 86,183) and is part of the greater Columbus-Marion-Zanesville combined statistical area.
Zanesville was named after Ebenezer Zane (1747–1811), who had blazed Zane’s Trace, a pioneer trail from Wheeling, Virginia (now in West Virginia) to Maysville, Kentucky through present-day Ohio. In 1797, he remitted land as payment to his son-in-law, John McIntire (1759–1815), at the point where Zane’s Trace met the Muskingum River. With the assistance of Zane, McIntire platted the town, opened an inn and ferry by 1799. In 1801, Zanesville was officially renamed, formerly Westbourne, the chosen name for the settlement by Zane.
From 1810 to 1812, the city was the second state capital of Ohio. The National Road courses through Zanesville as U.S. Route 40. The city grew quickly in the 1820s–1850s. The city and the city of Putnam (eastern side of Muskingum River) from the 1840s until the Civil War broke out was part of the ‘Underground Railroad’. In excess of 5,000 Union soldiers, along with hundreds of townsfolk, were stationed in the Zanesville area to protect the city in 1863 during Morgan’s Raid.
Novelist Zane Grey, a descendant of the Zane family, was born in the city.
After the Civil War, the city grew in size and gained prominence in the State for manufacturing and textiles. The city was also notoriously known for its bootlegging activities in the Prohibition era. From the 1820s until the 1970s, Downtown Zanesville was the premiere economic center of the city with various factories, offices, small to large stores, many small/large hotels, over a dozen stage/movie theaters, nearly twenty churches, and nearby neighborhoods (inhabited mainly by persons of Irish or German ethnicity).
In 1872, Zanesville annexed the adjacent community of Putnam. It is now the Putnam Historic District of Zanesville.
The city was historically known as a center for pottery manufacturing; in the first half of the 20th century, more than a dozen potteries operated in the city and the surrounding areas. Bolstered by ample local clay deposits and rivers, the area produced both art pottery and functional, utilitarian pottery. Notable pottery manufacturers that operated in the area included the S.A. Weller Pottery Company, J. B. Owens Pottery Company, Roseville Pottery Company, American Encaustic Tiling Company, and the Mosaic Tile Company. The city peaked economically in the 1950s, and like many cities experienced a post-industrial decline. The city today has a relatively high level of chronic poverty and unemployment and a relatively low level of labor force participation and educational attainment.
Since the 1970s, the downtown has been on the decline with mainly banks, law offices, churches and small shops, but the city continues to work on its image and business potential.
Zanesville is located along the Muskingum River at its confluence with the Licking River. It is located 23 mi (37 km) west of Cambridge and 52 mi (84 km) east of Columbus.
According to the United States Census Bureau, the city has a total area of 12.14 square miles (31.44 km), of which 11.77 square miles (30.48 km) is land and 0.37 square miles (0.96 km) is water.
The area has important deposits of clay which were exploited by a number of pottery companies in the first half of the twentieth century, including Roseville pottery, Weller pottery, the J. B. Owens Pottery Company, the Zanesville Stoneware Company, the Mosaic Tile Company, the American Encaustic Tiling Company, and the T.B. Townsend Brick Yard under the ownership of T.B. Townsend.
In the 1950s, Zanesville was known for its population of light-skinned Blacks who could “pass” (be admitted to whites-only places). This characteristic was due to a history of racial intermixing dating back to the role of Zanesville as a stop on the Underground Railroad.
As of the census of 2010, there were 25,487 people, 10,864 households, and 6,176 families residing in the city. The population density was 2,165.4 inhabitants per square mile (836.1/km). There were 12,385 housing units at an average density of 1,052.3 per square mile (406.3/km). The racial makeup of the city was 84.4% White, 9.7% African American, 0.4% Native American, 0.4% Asian, 0.4% from other races, and 4.7% from two or more races. Hispanic or Latino of any race were 1.2% of the population.
There were 10,864 households, of which 31.3% had children under the age of 18 living with them, 32.1% were married couples living together, 19.1% had a female householder with no husband present, 5.7% had a male householder with no wife present, and 43.2% were non-families. 36.2% of all households were made up of individuals, and 14.9% had someone living alone who was 65 years of age or older. The average household size was 2.29 and the average family size was 2.97.
The median age in the city was 36.3 years. 25.1% of residents were under the age of 18; 9.8% were between the ages of 18 and 24; 25.6% were from 25 to 44; 24.5% were from 45 to 64; and 15.2% were 65 years of age or older. The gender makeup of the city was 46.6% male and 53.4% female.
As of the census of 2000, there were 25,586 people, 10,572 households, and 6,438 families residing in the city. The population density was 2,276.8 inhabitants per square mile (879.1/km). There were 11,662 housing units at an average density of 1,037.8 per square mile (400.7/km). The racial makeup of the city was 85.48% White, 10.76% African American, 0.40% Native American, 0.23% Asian, 0.02% Pacific Islander, 0.42% from other races, and 2.70% from two or more races. Hispanic or Latino of any race were 0.79% of the population.
There were 10,572 households, out of which 30.7% had children under the age of 18 living with them, 38.5% were married couples living together, 18.0% had a female householder with no husband present, and 39.1% were non-families. 33.4% of all households were made up of individuals, and 14.5% had someone living alone who was 65 years of age or older. The average household size was 2.36 and the average family size was 2.99.
In the city, the population was spread out, with 26.8% under the age of 18, 9.5% from 18 to 24, 27.8% from 25 to 44, 20.5% from 45 to 64, and 15.5% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 85.3 males. For every 100 females age 18 and over, there were 79.3 males.
The median income for a household in the city was $26,642, and the median income for a family was $31,932. Males had a median income of $27,902 versus $20,142 for females. The per capita income for the city was $15,192. About 19.3% of families and 22.4% of the population were below the poverty line, including 32.3% of those under age 18 and 14.8% of those age 65 or over.
A three-way bridge called the “Y-Bridge” spans the confluence of the Licking and the Muskingum rivers. Listed on the National Register of Historic Places, it is one of few bridges of its type in the United States. Its unique shape led pilot Amelia Earhart to describe Zanesville as “the most recognizable city in the country”. It has been rebuilt numerous times since the 1850s.
The Muskingum River Canal was designated a National Historic Civil Engineering Landmark.
Erected in 1874, the Muskingum County Courthouse is located in Zanesville on US Route 40, the National Road and Main Street. The bell in the courthouse was manufactured by the same company that made the Liberty Bell.
Lock #10 in downtown Zanesville features a “double lock”. The Muskingum River Parkway and its 160-year-old navigation system were designated a National Historic Civil Engineering Landmark by the American Society of Civil Engineers.
A colony of artists are located throughout downtown Zanesville; two galleries opened on Main Street in 2007.
Outdoor art includes murals depicting local heritage and honoring war veterans. One mural is a panorama of downtown with an emphasis on the Y-Bridge. The John McIntire Library has an outdoor rubbing wall that tells the history of Zanesville and Muskingum County, using ceramic tiles with historical inserts.
The Freight Shops on Market Street are restaurants and retail stores located within abandoned railroad structures.
Secrest Auditorium is a performance venue.
Zanesville is served by the Muskingum County Library System. The library includes the Muskingum County Historical Society’s records.
The city government is a Mayor/Council (10 members) elected form of government. Zanesville Police Department was formed in 1865 with 6 officers. Today the department has over 55 officers and 40 more support staff. The City Fire Department became fully paid staff in 1879. This department today has over 45 members working 24 on & 48 hours off, staffing 3 stations.
The city is served by Zanesville Municipal Airport, built during World War II, and opened near the end. It has two 5,000 ft (1,500 m) runways. The airport had commercial flights from the late 1940s until the early 1970s.
The city is also served by several railroad lines.
Interstate 70 and U.S. Route 40 (which closely follows the path of the older National Road), pass through Zanesville and run roughly parallel to each other. From the southwest, US 22 approaches from Cincinnati. North-south state highways 60 and 93 pass through Zanesville. Other state routes include 666, 555, 719, and 146.
In 2016, the Good Samaritan campus and the Bethesda campus merged to form Genesis Hospital. The Good Samaritan campus was closed and demolished.
Lorena was a campfire song during the American Civil War. The song was based on an ill-advised love affair that took place in Zanesville in the late 1850s. The song has been sung in many Westerns and Civil War movies, and John Ford used the song as background in some movies.
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.