Owner Operators Truck Insurance Near Me Grove City, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Grove City, 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 Grove City, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Grove City, 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.
Grove City is a city in Franklin County, Ohio, United States which was founded in 1852. It is a suburb of Columbus. The population was 41,252 according to the 2020 Census.
Until the mid-19th century, the area that is now Grove City was a wilderness filled with oak, beech, maple, walnut, dogwood and other trees. The area’s first European settler, Hugh Grant, operated a gristmill in Pittsburgh and transported excess goods down the Ohio River for sale, returning to Pittsburgh on foot. On one of these trips, he passed through the Scioto Valley region and in 1803, purchased the land that would become Grove City and returned with his wife Catharine to start a new life.
Grove City’s official founder, William F. Breck, bought 15.25 acres of the farm owned by Hugh Grant, Jr., son of the first settler in Jackson Township, then added 300 more acres intended for farming. Breck’s original plan changed when he realized the potential for growth since Harrisburg Turnpike passed through the area to the state capital, Columbus. Breck envisioned a new village complete with a school, church, stores, blacksmith and carpenter shops. Breck formed a commission with George Weygandt, William Sibray and Jeremiah Smith and platted the village on the east side of Broadway in 1852.
By December 1853, the newly formed (but not yet incorporated) village of Grove City had 50 residents. The town founders named the village for the remaining groves of trees left standing after their initial clearing.
Grove City is located at 39°52′41″N 83°04′41″W / 39.878030°N 83.078157°W.
According to the United States Census Bureau, the city has a total area of 16.36 square miles (42.37 km), of which 16.20 square miles (41.96 km) is land and 0.16 square miles (0.41 km) is water.
At the 2010 census there were 35,575 people, 13,946 households, and 9,585 families living in the city. The population density was 2,196.0 inhabitants per square mile (847.9/km). There were 14,720 housing units at an average density of 908.6 per square mile (350.8/km). The racial makeup of the city was 92.6% White, 2.8% African American, 0.2% Native American, 1.3% Asian, 1.0% from other races, and 2.1% from two or more races. Hispanic or Latino of any race were 2.6%.
Of the 13,946 households 35.3% had children under the age of 18 living with them, 52.2% were married couples living together, 11.8% had a female householder with no husband present, 4.7% had a male householder with no wife present, and 31.3% were non-families. 25.6% of households were one person and 9.7% were one person aged 65 or older. The average household size was 2.53 and the average family size was 3.04.
The median age was 37.8 years. 25.4% of residents were under the age of 18; 8.4% were between the ages of 18 and 24; 27.4% were from 25 to 44; 26.6% were from 45 to 64; and 12.2% were 65 or older. The gender makeup of the city was 48.3% male and 51.7% female.
At the 2000 census there were 27,075 people, 10,265 households, and 7,544 families living in the city. The population density was 1,941.2 inhabitants per square mile (749.5/km). There were 10,712 housing units at an average density of 768.0 per square mile (296.5/km). The racial makeup of the city was 96.17% White, 1.54% African American, 0.22% Native American, 0.60% Asian, 0.01% Pacific Islander, 0.34% from other races, and 1.11% from two or more races. Hispanic or Latino of any race were 1.17%.
Of the 10,265 households 37.8% had children under the age of 18 living with them, 59.5% were married couples living together, 10.3% had a female householder with no husband present, and 26.5% were non-families. 22.4% of households were one person and 8.3% were one person aged 65 or older. The average household size was 2.61 and the average family size was 3.07.
The age distribution was 28.3% under the age of 18, 7.4% from 18 to 24, 31.6% from 25 to 44, 21.7% from 45 to 64, and 11.1% 65 or older. The median age was 35 years. For every 100 females, there were 94.4 males. For every 100 females age 18 and over, there were 89.8 males.
The median household income was $52,064 and the median family income was $62,059. Males had a median income of $40,599 versus $30,399 for females. The per capita income for the city was $22,305. About 3.3% of families and 4.6% of the population were below the poverty line, including 5.3% of those under age 18 and 4.8% of those age 65 or over.
Grove City is operated based on a city charter that was originally written in 1958 and later amended in 1982. The charter gives the city’s power to an elected Mayor, an elected City Council, and an appointed Administrator. The current mayor of Grove City is Richard L. (Ike) Stage.
It is located in the South-Western City School District.
Grove City is split between Ohio’s 3rd and Ohio’s 15th congressional district. The city is also split between Ohio’s 3rd senatorial district and Ohio’s 16th senatorial district and its Ohio State House Districts are OH-17, OH-23, and OH-24.
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.
