Owner Operators Truck Insurance Near Me Fairfield, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Fairfield, 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 Fairfield, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Fairfield, 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.
Fairfield is a suburban city located in Butler county in the U.S. state of Ohio. Fairfield is located approximately 25 miles north of Cincinnati and is situated on the east bank of the Great Miami River. The population was 42,623 as of the 2020 Census. Incorporated in 1955 from portions of Fairfield Township, it includes the former hamlets of Symmes Corner, Fair Play, Furmandale, and Stockton. The Fairfield City School District is one of the largest in Ohio and serves both the City of Fairfield and Fairfield Township.
Prior to European settlement the Fairfield area was home to several Indian tribes, most prominently the Shawnee and the Miami. The prehistoric Hopewell and Adena peoples constructed numerous earthworks around the city, though most were unwittingly removed by early settlers in order to accommodate farm fields.
The area that is now Fairfield was part of the original Symmes Purchase. Also known as the Miami Purchase, the region was acquired by Judge John Cleves Symmes from the Continental Congress in 1788 and included much of the land between the Little Miami and Great Miami rivers that became the present day counties of Hamilton, Butler, and Warren.
As the area was settled hamlets developed to serve the surrounding countryside. Judge Symmes’ great-nephew, Celadon Symmes, was the founder and first settler of Symmes Corner. Located at the intersection of Pleasant Avenue and Nilles Road it now serves as Fairfield’s town center.
The hamlet of Fair Play was located on the east bank of the Great Miami River. It was known for its mills, including Ohio’s first paper mill. The community was destroyed by a flood in the late 1800s. Today the Miami Chapel Cemetery and the Fair Play School are some of the few remaining vestiges of the village.
In the 1850s, the Cincinnati, Hamilton & Dayton Railway (today CSX) was extended through Fairfield, fostering the development of several communities. The villages of Schencks Station and Stockton were established along the rail line. Schencks Station was located near the present-day intersection of Symmes Road and State Route 4 and was named for local landowner Aaron Schenck. Stockton could be found at the crossroads of State Route 4 and Seward Road. Originally known as Jones Station, the village provided area farms with necessities including a smithy, a general store, churches, and a school. In between the two communities was the village of Furmandale; also known as Schnapstown or Snaptown. Located at the current intersection of Winton and Nilles roads, the community took its name from Nathaniel Furman who operated a private school for girls within the community. A few miles to the east of these communities was the Miami-Erie Canal which, prior to the arrival of the railroad, enabled early settlers to move their commodities to market.
Fairfield remained a quiet, primarily agricultural community until the mid-20th century. As the City of Hamilton grew its industry expanded south into present day Fairfield. Fisher Body, a manufacturing division of General Motors, established a plant at the northeast corner of State Route 4 and Symmes Road near the location of what was Schencks Station. During the same timeframe Fairfield started to experience residential growth, initially as a southern suburb of Hamilton. In 1954 a group of citizens wishing to avoid annexation into Hamilton organized an incorporation campaign. The initial petition was to create a municipal corporation from Fairfield Township in its entirety. A referendum was held in April 1954 with incorporation failing by a vote of 1,219 to 831. A renewed effort focused on those precincts that voted affirmatively. A second referendum was held in July 1954 with incorporation winning by a vote of 738 to 216. Fairfield was established as a statutory village in 1955 with a mayor-council form of government.
The next 30 years represented a period of rapid growth for the community. By 1960 the village had exceeded a population of 5,000 and was reclassified as a statutory city. The Interstate 275 beltway was constructed around Cincinnati in the late 1970s. The new road provided easy access to Fairfield from the northern Cincinnati suburbs, thus providing an additional high quality transportation route. This, in turn, drove substantial commercial and residential investment in the community.
The city’s form-of-government was a subject of debate almost from its inception. In 1961 a charter commission was formed to study the issue. After due consideration the commission recommended adoption of a charter with the council-administrator form of government, but the initiative was rejected by the voters. The question resurfaced in 1971, but did not progress beyond council conversations. In 1976 the issue gained momentum with form-of-government becoming an issue in council campaigns. In 1978 a charter commission was established and charged with framing a charter that would establish a council-administrator form-of-government. The city’s second charter commission spent eight months researching the charters of various Ohio communities. A referendum was held on June 5, 1979, in which the issue was approved by a vote of 1,423 to 1,265. The council-administrator (later council-manager) form went into effect on January 1, 1980.
General Motors announced that the Hamilton-Fairfield Chevrolet Pontiac Canada Group, known as the Fisher Body plant, would be phased out in the first quarter of 1989. The effect of the plant closing was a loss of 2,500 jobs and 28 percent of the city’s income tax revenue, amounting to $1.7 million.
The city regained economic balance in the 1990s and experienced wide, diverse business development. With a population of 39,729 at the beginning of 1990, the city’s explosive population growth had begun to slow, allowing it to focus on quality development of remaining residential and commercial areas. During this time, Fairfield updated and expanded its sanitary sewers, established detention basins for better stormwater control, continued to address road improvements, and established a community center.
In 1995, Fairfield withdraw from Fairfield, Union, and Springfield townships via a paper township called “Heritage Township”, reusing a name from a previous failed attempt to incorporate Symmes and Deerfield townships as a city.
According to the United States Census Bureau, the city has a total area of 21.06 square miles (54.55 km), of which 20.94 square miles (54.23 km) is land and 0.12 square miles (0.31 km) is water. The Butler County line serves as Fairfield’s southern corporate boundary with a small portion of the City extending into Hamilton County. This portion contains no population. The city is bounded on the north by the City of Hamilton and the eponymously named Fairfield Township; the east by West Chester and Fairfield townships; the south by the cities of Springdale and Forest Park as well as Springfield and Colerain townships; and on the west by Fairfield and Ross townships.
The city is bisected by a major rail line and is served by several interstate, federal and state highways which provide for excellent access. This transportation infrastructure has contributed greatly to Fairfield’s economic success.
Most of Fairfield sits on top of the Great Miami Buried Valley Aquifer; one of the largest underground reservoirs in the Midwest. The aquifer provides a clean and safe source of drinking water for communities up and down the course of the Great Miami River. The cities of Fairfield, Hamilton and Cincinnati operate water production facilities within Fairfield corporate boundaries; all of which draw from the aquifer.
As of the census of 2010, there were 42,510 people, 17,415 households, and 11,372 families residing in the city. The population density was 2,030.1 inhabitants per square mile (783.8/km). There were 18,803 housing units at an average density of 897.9 per square mile (346.7/km). The racial makeup of the city was 79.0% White, 12.8% African American, 0.3% Native American, 2.4% Asian, 0.1% Pacific Islander, 3.0% from other races, and 2.4% from two or more races. Hispanic or Latino of any race were 5.5% of the population.
There were 17,415 households, of which 32.1% had children under the age of 18 living with them, 47.2% were married couples living together, 13.1% had a female householder with no husband present, 4.9% had a male householder with no wife present, and 34.7% were non-families. 28.7% of all households were made up of individuals, and 9.3% had someone living alone who was 65 years of age or older. The average household size was 2.41 and the average family size was 2.97.
The median age in the city was 38.3 years. 23.2% of residents were under the age of 18; 8.6% were between the ages of 18 and 24; 27.4% were from 25 to 44; 28% were from 45 to 64; and 13% were 65 years of age or older. The gender makeup of the city was 48.2% male and 51.8% female.
As of the census of 2020, there were 44,907 people, and 19,030 households. The racial makeup of the city was 64.8% White, 17.5% African American, 0.4% Native American, 5.9% Asian, 0.1% Pacific Islander, 4.5% from other races, and 6.7% from two or more races. Hispanic or Latino of any race were 8.0% of the population.
The City of Fairfield is a charter municipality and operates under the council-manager form of government, combining the strong political leadership of elected officials with the professional expertise of an appointed city manager. Legislative authority under this form of government is vested in City Council, the body that is chosen by the electorate. Council hires the manager to serve as the city’s full-time chief executive officer. Fairfield City Council consists of seven members, three of who are elected at-large with the remainder elected by ward. Council members serve staggered, four-year terms with the ward members running together followed two years later by the at-large members and the Mayor. The Mayor, who is directly elected and also serves a four-year term, acts as the official and ceremonial head of the government and presides over all meetings of Council. Mayoral duties include the right to introduce legislation and to take part in discussion of all matters before Council with the right to vote in the event of a tie. The Mayor appoints the chairs of the various council committees and issues official proclamations. Council, in addition to appointing the city manager and passing legislation, approves the annual operating, capital and tax budgets, contracts in the city’s name, levies taxes, appoints board and commission members, and appoints the law director and the clerk of council.
The city manager is responsible for the day-to-day operations of the city, implements Council action, hires and oversees the staff, prepares and implements the annual operating and capital budgets and keeps the elected officials advised of the city’s financial sustainability.
The Fairfield Municipal Court is part of the city from a budgetary perspective, but otherwise operates as a completely autonomous agency. Municipal court judges in Ohio are elected to six-year terms on a nonpartisan judicial ballot.
Fairfield typically votes for Republican political candidates, though it has narrowed slightly in recent elections. Donald Trump received 12,041 (55.3%) votes to Joe Biden’s 9,370 (43.1%) in the 2020 United States Presidential Election.
Fairfield has a highly diversified economy without a dominant industry, though two of the city’s top employers are insurance companies. The corporate headquarters of insurance company Cincinnati Financial is located in Fairfield.
Jungle Jim’s International Market is a regional tourism destination featuring food and beverage items from all over the world. Jim Boniminio started the market in 1974 as a fruit stand. A reluctant planning commission approved his request on the condition that he would ultimately construct a permanent storefront. Today Jungle Jim’s International Market has 50,000 weekly shoppers and annual sales of nearly $100 million.
As of March 2017, Fairfield’s largest employers were:
Fairfield City School District operates Fairfield High School as well as the Fairfield Freshmen School, two middle schools and six elementary schools. Parochial education options include Sacred Heart of Jesus School, Stephen T. Badin High School and Cincinnati Christian schools. A branch campus of Miami University is located a few miles north of Fairfield in the City of Hamilton. The Fairfield Lane Library is a branch of the Lane Public Library system.
Fairfield operates an extensive parks and recreation system with over 500 acres of parkland. Harbin Park is the city’s largest at 230 acres. It offers shelter rentals, a large playground, mountain bike trails, a paved trail for walking and biking, basketball and pickleball courts and a soccer field. It annually hosts the Cincinnati Cyclocross; a cycling competition spread over three days and three Greater Cincinnati communities. Harbin also plays host to the city’s Red White & Kaboom fireworks show held annually on July 3 in celebration of Independence Day. Marsh Lake Park was recently acquired from the Martin–Marietta company. The city had, since the early 1990s, leased the eastern portion of the property from Martin–Marietta. Per the terms of an agreement between the city and the company the property was deeded to Fairfield upon the cessation of mining operations in 2017. The park is one of the system’s crown jewels with a 60-acre quarry lake that is regularly stocked with fish. Kayaks and other non-motorized watercraft will make their debut on the lake in the summer of 2019. Marsh Lake Park totals 220 acres, though much of it remains passive and undeveloped. Huffman Park is one of the city’s newest recreational facilities. It was donated, developed and dedicated in 2012 in memory of Fairfield residents Anna and Harold Huffman who owned and lived on the property for more than 50 years. Funding for the development of the park was provided by the Anna & Harold W. Huffman Foundation. It promotes ecology with plantings of native species and a prairie that provides wildlife habitat.
In addition to the extensive park acreage, city facilities include the Community Arts Center with a 250-seat theater, an art gallery offering rotating exhibits, a senior center and a community room that can be rented for weddings, anniversaries and corporate events; the fully restored 1817 Elisha Morgan Mansion; and the Village Green Amphitheater that hosts the seasonal Groovin’ on the Green Concert Series, 4th Friday Concert Series and the Village Green Farmer’s Market. The city operates two municipal golf courses and an aquatic center. The Fairfield Greens South Trace is a par 70 championship course that plays 6,246 yards with 5 par 3 holes, 10 par 4 holes, and 3 par 5 holes. The course features bentgrass fairways, large undulating greens, and numerous water hazards and bunkers. Fairfield Greens North Trace is an executive 9-hole course. The 1,885 yards course is par 31, with 4 par 4 holes and 5 par 3 holes. Outings, tournaments, and weekly leagues are offered and available to the public.
The Miracle League Fields at Hatton Park are operated by the Joe Nuxhall Foundation. The facility was the dream of legendary Cincinnati Reds pitcher and broadcaster Joe Nuxhall who lived in Fairfield for much of his life and raised his family here. The facility offers two baseball diamonds featuring rubberized playing surfaces that accommodate children and adults with disabilities.
Fairfield is home to Cincinnati Gymnastics Academy, one of the nation’s top elite gymnastics program, which has coached various Olympians. The facility is owned by Mary Lee Tracy.
39°19′52″N 84°32′34″W / 39.331156°N 84.542842°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.