Owner Operators Truck Insurance Near Me Clarkstown, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Clarkstown, 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 Clarkstown, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Clarkstown, 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.
Lycoming County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 114,188. Its county seat is Williamsport.
Lycoming County comprises the Williamsport metropolitan statistical area.
About 130 miles (210 km) northwest of Philadelphia and 165 miles (270 km) east-northeast of Pittsburgh, Lycoming is Pennsylvania’s largest county by area.
Lycoming County was formed from Northumberland County on April 13, 1795. The county was larger than it is today. It took up most of the land that is now north central Pennsylvania. The following counties have been formed from land that was once part of Lycoming County: Armstrong, Bradford, Centre, Clearfield, Clinton, Indiana, Jefferson, McKean, Potter, Sullivan, Tioga, Venango, Warren, Forest, Elk and Cameron.
Lycoming County was originally named Jefferson County in honor of Thomas Jefferson. This name proved to be unsatisfactory. The name change went through several steps. First a change to Lycoming County was rejected, next the name Susquehanna County was struck down as was Muncy County, before the legislature revisited and settled on Lycoming County for Lycoming Creek, the stream that was the center of the pre-Revolutionary border dispute.
1615: The first European in Lycoming County was Étienne Brûlé. He was a voyageur for New France. Brule descended the West Branch Susquehanna River and was held captive by a local Indian tribe near what is now Muncy before escaping and returning to Canada.
1761: The first permanent homes were built in Muncy. Three log cabins were built by Bowyer Brooks, Robert Roberts and James Alexander.
1772: The first gristmill is built on Muncy Creek by John Alward
1775: The first public road is built along the West Branch Susquehanna River. The road followed Indian trails from Fort Augusta in what is now Sunbury to Bald Eagle Creek near modern-day Lock Haven.
1786: The first church built in the county was Lycoming Presbyterian church in what was known as Jaysburg and is now the Newberry section of Williamsport.
1792: The first sawmill was built on Lycoming Creek by Roland Hall.
1795: The first elections for Lycoming County government are held soon after the county was formed from Northumberland County. The elected officers were Samuel Stewart, county sheriff and the first county commissioners were John Hanna, Thomas Forster and James Crawford. Andrew Gregg was elected to represent Lycoming County in the United States Congress, William Hepburn was voted to the Pennsylvania State Senate and Flavel Roan, Hugh White and Robert Martin served as representatives in the Pennsylvania General Assembly.
1823: The county government funded the construction of the first bridges over Loyalsock and Lycoming Creeks.
1839: The first railroad is built. It connected Williamsport with Ralston in northern Lycoming County. The railroad followed Lycoming Creek.
According to the U.S. Census Bureau, the county has a total area of 1,244 square miles (3,220 km), of which 1,229 square miles (3,180 km) is land and 15 square miles (39 km) (1.2%) is water. Lycoming County is the largest county in Pennsylvania by land area and second-largest by total area; it is larger than the state of Rhode Island. The county has a humid continental climate which is warm-summer (Dfb) except in lower areas near the river which are hot-summer (Dfa). Average monthly temperatures in downtown Williamsport average from 26.5 °F in January to 72.4 °F in July, while in Trout Run they average from 25.5 °F in January to 71.2 °F in July.
Lycoming County is divided between the Appalachian Mountains in the south, the dissected Allegheny Plateau (which also appears mountainous) in the north and east, and the valley of the West Branch Susquehanna River between these.
The West Branch of the Susquehanna enters Lycoming County from Clinton County just west of the borough of Jersey Shore, which is on the northwest bank of the river. The river then flows generally east and a little north with some large curves for 15 miles (24 kilometers) to the city of Williamsport, followed by the borough of Montoursville (both on the north bank) as well as the boroughs of Duboistown and South Williamsport (on the south bank).
The river flows just north of Bald Eagle Mountain (one of the northernmost ridges of the Ridge-and-valley Appalachians) through much of its course in Lycoming County, but it passes the end of the mountain and turns south just before the borough of Muncy (on the east bank). It continues south past the borough of Montgomery and leaves Lycoming County, where it forms the border between Union and Northumberland Counties. From there the West Branch merges with the North Branch Susquehanna River at Northumberland, Pennsylvania, and then flows south to the Chesapeake Bay.
The major creeks of Lycoming County are all tributaries of the West Branch Susquehanna River. On the north or left bank of the river they are (from west to east): Pine Creek (and its tributary Little Pine Creek) which the river receives just west of Jersey Shore; Larrys Creek, which the river receives about 7 km (4.3 mi) south of Salladasburg; Lycoming Creek which the river receives in western Williamsport; Loyalsock Creek which the river receives between Williamsport and Montoursville; and Muncy Creek (and its tributary Little Muncy Creek), which the river receives just north of Muncy. Loyalsock and Muncy Creeks are also the major watersheds of Sullivan County.
Finally there is White Deer Hole Creek, the only major creek in Lycoming County on the right bank (i.e. south and west) of the river. It is south of Bald Eagle Mountain, and flows from west to east. The river receives it at the village of Allenwood in Gregg Township in Union County. Other creeks found on the right bank (south and west) of the West Branch Susquehanna River in Lycoming County are relatively minor, including Antes Creek in the Nippenose valley (in Limestone and Nippenose Townships), Mosquito Creek (at Duboistown), Hagermans Run (at South Williamsport), and Black Hole Creek (at Montgomery).
The entire county is in the Chesapeake Bay watershed. The percent of the county drained by each creek’s watershed is as follows: Pine Creek, 15.27%; Little Pine Creek, 11.25% (if these two are considered together, 26.52%); Larry’s Creek, 7.17%; Lycoming Creek, 17.80%; Loyalsock Creek, 13.23%; Muncy Creek, 4.82%; Little Muncy Creek, 5.86% (if these two are considered together, 10.68%); and White Deer Hole Creek, 4.40%. Minor creeks account for the rest.
As of the census of 2000, there were 120,044 people, 47,003 households, and 31,680 families residing in the county. The population density was 97 people per square mile (37 people/km). There were 52,464 housing units at an average density of 42 units per square mile (16/km). The racial makeup of the county was 93.9% White, 4.3% Black or African American, 0.2% Native American, 0.4% Asian, <0.1% Pacific Islander, 0.3% from other races, and 0.9% from two or more races. 0.7% of the population were Hispanic or Latino of any race. 38.5% were of German, 11.7% American, 9.0% Irish, 7.4% Italian and 7.3% English ancestry.
There were 47,003 households, out of which 29.9% had children under the age of 18 living with them, 53.1% were married couples living together, 10.3% had a female householder with no husband present, and 32.6% were non-families. 26.9% of all households were made up of individuals, and 11.9% had someone living alone who was 65 years of age or older. The average household size was 2.44 and the average family size was 2.95.
In the county, the population was spread out, with 23.3% under the age of 18, 9.7% from 18 to 24, 27.5% from 25 to 44, 23.4% from 45 to 64, and 16.0% who were 65 years of age or older. The median age was 38 years. For every 100 females there were 95.60 males. For every 100 females age 18 and over, there were 92.80 males.
Data from EdNA database maintained by Pennsylvania Department of Education, July 2012
There are six public libraries in Lycoming County:
There are also four Link libraries in the county.
There are only two public use airports in the county. The Williamsport Regional Airport, has daily non-stop flights to Philadelphia, and a FBO for private jets and charters. There is also the Jersey Shore Airport, which only has a grass runway and can only handle light aircraft.
There are three Pennsylvania state parks in Lycoming County:
There are parts of two Pennsylvania state forests in Lycoming 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 Lycoming 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 Lycoming County.
† county seat
41°21′N 77°04′W / 41.35°N 77.06°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.
