Owner Operators Truck Insurance Near Me Findlay, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Findlay, 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 Findlay, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Findlay, 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.
Findlay ( FIN-lee) is a city in and the county seat of Hancock County, Ohio, United States. The second-largest city in Northwest Ohio, Findlay lies about 40 miles (64 km) south of Toledo. Its population was 40,313 at the 2020 census. The principal city of the Findlay micropolitan area, it is home to the University of Findlay, and the headquarters of Fortune 100 company Marathon Petroleum, which ranks 19th.
In the War of 1812, Colonel James Findlay of Cincinnati built a road and a stockade to transport and shelter troops in the Great Black Swamp region. This stockade was named Fort Findlay in his honor. At the conclusion of the war, the community of Findlay was born. The first town lots were laid out in 1821 by future Ohio Governor Joseph Vance and Elnathan Corry.
Before the Civil War, Findlay was a stop for slaves along the Underground Railroad.
In 1861, David Ross Locke moved to Findlay, where he served as editor for the Hancock Jeffersonian newspaper until he left in 1865. It was in the Hancock Jeffersonian that Locke penned the first of his Nasby letters.
During the 1880s, Findlay was a booming center of oil and natural gas production, though the supply of petroleum had dwindled by the early 20th century.
Findlay hosted the highly competitive Ohio State Music Festival in 1884. A young cornet player, Warren G. Harding, and his Citizens’ Cornet Band of Marion placed third in the competition. Harding went on to be elected the 29th President of the United States.
On March 31, 1892, the only known lynching in the history of Hancock County occurred when a mob of 1,000 men, many “respectable citizens”, broke into the county jail in Findlay. They lynched Mr. Lytle, who had seriously (but not fatally as believed at the time) injured his wife and two daughters with a hatchet the day before, by hanging him twice (first from the bridge, then a telegraph pole) and finally shooting his body over a dozen times. The authorities had intended to secretly convey the prisoner to a suburb at one o’clock, where a train was to have been taken for Lima, but their plans were frustrated by the mob.
In 1908, American songwriter Tell Taylor wrote the standard, “Down by the Old Mill Stream” while fishing along the Blanchard River in Findlay. The song was published in 1910.
A disaster occurred during the 1936 Independence Day celebration, where a stray firework fell into a crowd, injuring 16 people and attracting national media attention.
For three months in the early 1960s, Findlay had the distinction of being the only community in the world where touch-tone telephone service was available. Touch-tone service was first introduced there on November 1, 1960.
In 2007, a flood that crested at 18.46 feet caused around $100 million in damage. The flood was nearly as strong as the 1913 flood.
Findlay is located at 41°02′34″N 83°38′32″W / 41.042843°N 83.642216°W (41.042843, −83.642216).
According to the United States Census Bureau, the city has a total area of 19.25 square miles (49.86 km), of which 0.12 square miles (0.31 km) is covered by water.
The Blanchard River travels through Findlay, flowing east to west.
The Findlay Reservoir No. 2 is the largest above-ground reservoir in the state of Ohio, with a capacity around 5 billion US gallons (19,000,000 m) of water.
As of the census of 2020, 40,313 people and 17,550 households were in the city. The population density was 2,052.3 inhabitants per square mile (792.4/km). The racial makeup of the city was 84.6% White, 2.5% Black, 0.2% Native American, 2.3% Asian, and 3.6% of two or more races. Hispanics or Latinos of any race were 7.9% of the population.
About 20.4% of residents were under 18, and 17.2% were over 65. The gender makeup of the city was 48.2% male and 51.8% female.
The median household income was $50,921 (in 2021 dollars). Per capita income for the city was $33,411; 13.5% of persons were below the poverty line.
As of the census of 2010, 41,202 people, 17,354 households, and 10,329 families resided in the city. The population density was 2,153.8 inhabitants per square mile (831.6/km). There were 19,318 housing units at an average density of 1,009.8 per square mile (389.9/km). The racial makeup of the city was 91.2% White, 2.2% African American, 0.3% Native American, 2.5% Asian, 1.7% from other races, and 2.1% from two or more races. Hispanics or Latinos of any race were 5.7% of the population.
Of the 17,354 households,28.3% had children under 18 living with them, 43.1% were married couples living together, 11.8% had a female householder with no husband present, 4.6% had a male householder with no wife present, and 40.5% were not families. About 32.6% of all households were made up of individuals, and 10.9% had someone living alone who was 65 or older. The average household size was 2.29, and the average family size was 2.87.
The median age in the city was 35.9 years. The age distribution was 22.2% under 18; 12.9% from 18 to 24; 25.5% from 25 to 44; 25.0% from 45 to 64; and 14.5% 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, 38,967 people, 15,905 households, and 10,004 families were living in the city. The population density was 2,266.3 inhabitants per square mile (875.0/km). The 17,152 housing units had an average density of 997.6 per square mile (385.2/km). The racial makeup of the city was 93.7% White, 1.4% African American, 0.19% Native American, 1.76% Asian, 1.69% from other races, and 1.26% from two or more races. Hispanics or Latinos of any race were 3.95% of the population.
Of the 15,905 households, 29.2% had children under 18 living with them, 49.3% were married couples living together, 9.9% had a female householder with no husband present, and 37.1% were not families. Around 30.2% of all households were made up of individuals, and 10.2% had someone living alone who was 65 or older. The average household size was 2.36, and the average family size was 2.93.
In the city, the age distribution was 23.8% under 18, 11.9% from 18 to 24, 28.7% from 25 to 44, 21.4% from 45 to 64, and 14.2% who were 65 or older. The median age was 35 years. For every 100 females, there were 91.3 males. For every 100 females 18 and over, there were 87.9 males.
The median income for a household in the city was $40,883, and for a family was $49,986. Males had a median income of $36,150 versus $23,797 for females. The per capita income for the city was $21,328. About 5.9% of families and 9.1% of the population were below the poverty line, including 11.0% of those under 18 and 6.1% of those 65 or over.
Findlay is the headquarters of the Cooper Tire & Rubber Company, founded in 1914, which specializes in the design, manufacture, marketing, and sales of replacement automobile and truck tires, and subsidiaries that specialize in medium truck, motorcycle, and racing tires.
Findlay was the longtime headquarters of the Marathon Oil Corporation from 1905 until 1990 when it moved its offices to Houston, Texas. Marathon Petroleum Company, a former subsidiary of Marathon Oil, maintained its main office in Findlay after Marathon Oil moved. On July 1, 2011, Marathon Petroleum became an independent entity, with headquarters in Findlay.
The city’s major shopping center is Findlay Village Mall, opened in 1962.
Findlay is home to the Whirlpool dishwasher manufacturing plant and distribution center. This plant is considered to be the largest dishwasher plant in the world (based on production).
Findlay is home to several other major distribution centers, including Best Buy, Lowe’s, and Campbell Soup Company.
According to the City of Findlay 2019 Comprehensive Annual Financial Report (CAFR), the following companies are the top employers in the city:
The city is administered by a mayor and a city council. The Findlay City Council is composed of the president of council, seven ward representatives, and three representatives elected at-large. The mayor appoints the director of public safety and service. The people elect the auditor, treasurer, municipal court judges, and the law director. Christina Muryn was elected mayor in 2019.
Three intermediate (3–5) buildings and three primary (K-2) buildings are within the city of Findlay.
For decades, students attended one of three junior high schools: Donnell (Atoms), Central (Spartans), or Glenwood (Eagles). The original Donnell School building located on Baldwin Avenue was razed in 2012 to make room for the construction of a new building, which began usage in January 2013. Another new school built directly behind the original Glenwood building on North Main Street officially opened and began usage in January 2013. The building known as Central, located on West Main Cross, was originally Findlay’s high school (until the current high school was built in 1963). Once the two new middle schools were opened, part of Central was razed, leaving only the auditorium. A new Performing Arts Center (funded mainly by Marathon Petroleum) was constructed by refurbishing and renovating Central’s auditorium, finishing in December 2015.
Findlay High School is a comprehensive high school with an enrollment of 1,632 students in grades 9–12. Of the 130 professional staff, 87 have master’s degrees or beyond. Accreditation has been
granted by AdvancEd Accreditation.
The city is home to the University of Findlay, a private liberal arts college with an enrollment of over 4,100 students, and Owens Community College, a state school with an enrollment of 2,391 students. The University of Findlay is best known for its programs in Education (undergraduate and Master’s) and the equestrian studies programs. Students enrolled in the preveterinary or western equestrian studies have access to a 152-acre farm operated by the university. Those students who are pursuing a degree in English equestrian studies have access to a separate rural facility composed of 32 acres, which includes the University Equine Veterinary Services Inc.
Winebrenner Theological Seminary also makes its home in Findlay, adjacent to the university. Findlay also had a branch location of Brown Mackie College prior to 2017.
The city has the main branch of the Findlay-Hancock County Public Library. The library was established on April 16, 1888, and was originally housed in the Hancock County Courthouse basement until it was able to move into an old post office building in 1935. The main library building was renovated in 1991, and again in 2009 after a major flood. The library announced in March 2019 it would end the process of charging late fees.
Findlay Airport does not have regularly scheduled passenger flights.
Interstate 75, US 68, and US 224 are major highways that pass through the city. State routes in the city of Findlay include: Ohio State Route 12, Ohio State Route 15, Ohio State Route 568, and Ohio State Route 37.
Historically, the Baltimore & Ohio, the New York Central, and the Nickel Plate Road operated passenger train service through Findlay. The last trains were the Nickel Plate’s St. Louis – Muncie – Cleveland trains (#9, Blue Arrow westbound and #10, Blue Dart eastbound). These trains ended in 1959.
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.
