Owner Operators Truck Insurance Near Me Kreidersville, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Kreidersville, 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 Kreidersville, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Kreidersville, 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.
Northampton County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 312,951. Its county seat is Easton. The county was formed in 1752 from parts of Bucks County. Its namesake was the county of Northamptonshire in England, and the county seat of Easton was named for the country house Easton Neston in Northamptonshire.
Northampton County and Lehigh County to its west combine to form the eastern Pennsylvania region known as the Lehigh Valley, and both counties are included in the Philadelphia media market, the fourth-largest in the nation. Lehigh County, with a population of 374,557 of the 2020 U.S. census, is the more highly populated of the two counties.
Northampton County is industrially oriented, producing cement and other industrial products. It was a center for global cement production with the world’s then-largest cement producer Atlas Portland Cement Company operating in the county for nearly a century from 1895 until 1982. Bethlehem Steel, one of the world’s largest manufacturers of steel throughout the 20th century, was located in the county prior to its dissolution in 2003.
The Lehigh River, a 109-mile-long (175 km) tributary of the Delaware River, flows through Northampton County. The county borders Carbon County and the Poconos to the north, Lehigh County to the west, Bucks County, and the Delaware Valley to the south, and the Delaware River, which divides Pennsylvania and New Jersey, to the east.
According to the U.S. Census Bureau, the county has a total area of 377 square miles (980 km), of which 370 square miles (960 km) is land and 7.7 square miles (20 km) (2.0%) is water. The climate is humid continental (mostly Dfa with a little Dfb in higher northern areas) and the hardiness zones are 6b and 6a. Average monthly temperatures in downtown Bethlehem average from 29.1 °F in January to 74.1 °F in July, while in Wind Gap they average from 27.0 °F in January to 71.7 °F in July.
As of the 2020 census, the county’s population was 312,951, reflecting growth of 5.1% over 2010. As of the 2010 census, the county was 81.0% White Non-Hispanic, 5.0% Black or African American, 0.2% Native American or Alaskan Native, 2.4% Asian, 0.0% Native Hawaiian, 2.2% were two or more races, and 3.8% were some other race. 10.5% of the population were of Hispanic or Latino ancestry.
Northampton is one of the seven counties in Pennsylvania which has adopted a home rule charter. Voters elect an Executive, a nine-person Council, a Controller, and a District Attorney. The Executive, Controller and District Attorney are elected at large by all voters in the county. Five members of the council are also elected at large. The other four members of the council are elected from single-member districts. This weighted structure of government favors the majority of voters, but it does allow for representation of minority groups, if they live within a compact voting district. The Row Officers are nominated by the county executive and approved by county council.
The following currently serve as elected officials in Northampton County government offices:
As of November 7, 2022 there were 225,050 registered voters in Northampton County
In recent decades, Northampton has been identified as one of Pennsylvania’s “swing counties,” with statewide winners carrying it in most cases; since 1952, it has gone to the statewide winner in the presidential election. All five statewide winners carried it in November 2004 and all four statewide Democratic candidates carried it in November 2008, with District Attorney John Morganelli doing well there despite losing statewide to incumbent Attorney General Tom Corbett. The Democratic Party has been dominant most of the time in county-level politics in recent decades. In 2013, John Brown bucked that trend when he became the only Republican in the 21st Century to be elected Northampton County executive, a harbinger of Donald Trump winning the county and the state at the presidential level in 2016. Lamont McClure retook the county executive position for the Democrats in 2017; Joe Biden won Northampton County and Pennsylvania in 2020.
Municipal elections were held across Pennsylvania in November 2019, and results in Northampton County were plagued with problems caused by newly purchased machines, The ExpressVoteXL, sold by the manufacturer Election Systems & Software (ES&S) as a luxury one-stop voting system. According to The New York Times and other publications, it was a few minutes after the polls closed on Election Day when panic began to spread through the Northampton county election offices. Vote totals in one judge’s race showed one candidate, Abe Kassis, a Democrat, had just 164 votes out of 55,000 ballots across more than 100 precincts. Some machines reported zero votes for him.
The voting system, used in numerous Pennsylvania jurisdictions, combines a touch screen with a paper ballot backup. County officials determined the results by counting the paper ballots, which showed Mr. Kassis had won by 1,054 votes. Unofficial results were announced at 6AM on November 6. The election results were certified following a canvass and audit. No challenges to the election results were filed.
Bangor Area School District
Bethlehem Area School District
Catasauqua Area School District
Easton Area School District
Nazareth Area School District
Northampton Area School District
Pen Argyl Area School District
Saucon Valley School District
Wilson Area School District
Air transport to and from Northampton County is available through Lehigh Valley International Airport (IATA: ABE, ICAO: KABE) in Hanover Township, which is locatedapproximately 4 miles (6.4 km) northwest of Bethlehem and 11 miles (18 km) west-southwest of Easton.
Public bus service in Northampton County is available through LANta. A shuttle bus service, the Bethlehem Loop, also operates in Bethlehem. NJ Transit provides service from Easton’s Centre Square to the Phillipsburg area.
Northampton County was once served only by the 215 area code from 1947 (when the North American Numbering Plan of the Bell System went into effect) until 1994. With the county’s growing population, however, Northampton County was afforded area code 610 in 1994. Today, Northampton County is covered by 610 except for the Portland exchange which uses 570. An overlay area code, 484, was added to the 610 service area in 1999. A plan to introduce area code 835 as an additional overlay was rescinded in 2001.
There are two Pennsylvania state parks in Northampton County:
Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and two towns. The following cities, boroughs and townships are located in Northampton County:
Census-designated places are unincorporated communities designated by the U.S. Census Bureau for the purposes of compiling demographic data. They are not actual jurisdictions under Pennsylvania law.
The population ranking of the following table is based on the 2010 census of Northampton County.
† county seat
40°45′N 75°19′W / 40.75°N 75.31°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.
