Owner Operators Truck Insurance Near Me Cuyahoga Falls, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Cuyahoga Falls, 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 Cuyahoga Falls, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Cuyahoga Falls, 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.
Cuyahoga Falls ( KY-ə-HOH-gə or KY-ə-HOG-ə) is a city in Summit County, Ohio, United States. As of the 2020 census, the city population was 51,114. The second-largest city in Summit County, it is located directly north of Akron and is a suburb of the Akron metropolitan area. The city was founded in 1812 by William Wetmore and was originally named Manchester, but renamed for the Cuyahoga River and the series of waterfalls that run along the southern boundary of the city.
Cuyahoga Falls was formed in 1812 near the junction of what was then Northampton, Stow, Tallmadge, and Portage townships. The focus was the series of Cuyahoga River waterfalls that provided power for manufacturing.
In 1812, Kelsey and Wilcox built a dam on the Cuyahoga River at a place where a railroad bridge crossed it in 1876. They then built a flour mill, an oil mill, and a saw mill. This led to the construction of a number of houses. This area was known as the old village. Development moved downstream, though, when the power was discovered to be better there. The old village was eventually destroyed in 1826, when a dam built by William Wetmore flooded the dam at the old village and its mills were torn down.
The earliest settlers of Cuyahoga Falls included Joshua Stow and William Wetmore. In 1815, a saw mill was operating near Gaylord’s Grove, using power generated by a dam on the Cuyahoga River there.
The town was initially called Manchester, but was renamed Cuyahoga Falls at the request of the Post Office since several other Manchesters were already in Ohio.
The village proper was first laid out in 1826 by Judge Richardson.
The town was incorporated in 1836, occupying 240 rods from Stow and Tallmadge townships. In 1853, seeing that the village and township of Cuyahoga Falls occupied the same territory, the village council disbanded and the community was only a township until 1868.
In 1841, the Summit County Board of Commissioners named Cuyahoga Falls the county seat. The state legislature then intervened and put the location of the county seat up to a popular vote. Akron won and has been the county seat ever since. In spite of being named the county seat, Cuyahoga Falls never really functioned as such.
In March 1851, the township of Cuyahoga Falls was created out of the village limits. They covered the same territory, so the village council voted to adjourn sine die, letting the village be run under township jurisdiction until June 3, 1868, when the municipal government returned.
In 1939 the first Lawson Convenience Store was established in Cuyahoga Falls.
On July 3, 1940, the Doodlebug Disaster train wreck killed 43 people, the worst disaster in the history of the city.
In 1985, a referendum of merger between the city and neighboring Northampton Township was approved by local voters. In 1986, Cuyahoga Falls merged with Northampton Township, the first merger of a city and township in Ohio.
Cuyahoga Falls had been founded as an industrial city, taking advantage of the river power. By the middle of the twentieth century, it had become largely residential. Don Robart, mayor from 1986 to 2013, promoted the merger with Northampton Township because of the additional land that could be used for development. Parts of that area have since been used for industrial development. Commercial development has also picked up, especially in the Howe Avenue area at the southern border of the city.
The city had one professional sports team, the Cuyahoga Falls Cougars, of the International Basketball League. They moved to Akron in 2006 and became the Akron Cougars.
The Cathedral of Tomorrow, founded by televangelist Rex Humbard in 1958, was in Cuyahoga Falls. It is now the church of pastor/evangelist Ernest Angley and was renamed Grace Cathedral.
Blossom Music Center, an outdoor concert venue and the summer home of the Cleveland Orchestra since 1968, is situated on 800 acres of the Cuyahoga Valley National Park in Cuyahoga Falls.
According to the United States Census Bureau, the city has an area of 25.75 square miles (66.69 km), of which 25.65 square miles (66.43 km) is land and 0.10 square miles (0.26 km) is water.
Cuyahoga Falls is bordered by Akron to the south and the Cuyahoga Valley National Park to the northwest.
Cuyahoga Falls is part of the Akron, OH Metropolitan Statistical Area and of the Cleveland-Akron-Canton Combined Statistical Area.
As of the census of 2010, there were 49,652 people, 22,250 households, and 12,693 families living in the city. The population density was 1,935.8 inhabitants per square mile (747.4/km). There were 23,859 housing units at an average density of 930.2 per square mile (359.2/km). The racial makeup of the city was 93.4% White, 3.3% African American, 0.2% Native American, 1.2% Asian, 0.3% from other races, and 1.6% from two or more races. Hispanic or Latino of any race were 1.4% of the population.
There were 22,250 households, of which 26.1% had children under age 18 living with them, 41.9% were married couples living together, 11.4% had a female householder with no husband present, 3.7% had a male householder with no wife present, and 43.0% were non-families. 35.6% of all households were made up of individuals, and 12.1% 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 2.90.
The median age in the city was 39.4 years. 20.9% of residents were under the age of 18; 8.5% were between the ages of 18 and 24; 27.9% were from 25 to 44; 27.5% were from 45 to 64; and 15.3% were 65 years of age or older. The gender makeup of the city was 47.3% male and 52.7% female.
As of the census of 2000, there were 49,374 people, 21,655 households, and 13,317 families living in the city. The population density was 1,932.9 inhabitants per square mile (746.3/km). There were 22,727 housing units at an average density of 889.7 per square mile (343.5/km). The racial makeup of the city was 95.80% White, 1.87% African American, 0.20% Native American, 1.05% Asian, 0.01% Pacific Islander, 0.15% from other races, and 0.91% from two or more races. Hispanic or Latino of any race were 0.63% of the population.
There were 21,655 households, of which 27.0% had children under age 18 living with them, 48.3% were married couples living together, 10.1% had a female householder with no husband present, and 38.5% were non-families. 32.6% of all households were made up of individuals, and 12.3% had someone living alone who was 65 years of age or older. The average household size was 2.26 and the average family size was 2.90.
In the city, the population was spread out, with 22.5% under the age of 18, 7.9% from 18 to 24, 32.0% from 25 to 44, 21.5% from 45 to 64, and 16.1% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 90.3 males. For every 100 females age 18 and over, there were 86.5 males.
The median income for a household in the city was $42,263, and the median income for a family was $52,372. Males had a median income of $40,301 versus $28,459 for females. The per capita income for the city was $22,550. About 4.5% of families and 6.1% of the population were below the poverty line, including 8.0% of those under age 18 and 4.2% of those age 65 or over.
Cuyahoga Falls is mainly served by two school districts. The original area of the city makes up nearly all of the Cuyahoga Falls City School District; its high school, Cuyahoga Falls High School, is located on Fourth Street in downtown. The neighboring village of Silver Lake is also part of Cuyahoga Falls City Schools.
The northwest portion of the city (the former Northampton Township) is served by the Woodridge Local School District, which also serves the portions of Akron that lie within the former Northampton Township boundaries, as well as most of Boston Township (including Peninsula). That district’s high school, Woodridge High School, is also located in Cuyahoga Falls (albeit with a Peninsula mailing address); this makes Cuyahoga Falls one of the few communities in Ohio that is home to the sole high school for two separate school districts.
A small area in the northeast of the city is zoned to Hudson City School District, and another small area, in the far northwest of the city, is part of the Revere Local School District.
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.
