Owner Operators Truck Insurance Near Me Lancaster, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Lancaster, 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 Lancaster, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Lancaster, 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.
Lancaster ( LANK-(ə-)stər) is a city in and the county seat of Fairfield County, Ohio, in the south-central part of the state. As of the 2020 census, the city population was 40,552. The city is near the Hocking River, about 33 miles (53 km) southeast of Columbus and 38 miles (61 km) southwest of Zanesville. It is part of the Columbus metropolitan area.
The earliest known inhabitants of the southeastern and central Ohio region were the Hopewell, Adena, and Fort Ancient Native Americans, of whom little evidence survived, beyond the burial and ceremonial mounds built throughout the Ohio and Mississippi Valleys. Many mounds and burial sites have also yielded archaeological artifacts. Serpent Mound and Hopewell Culture National Historical Park, though not in Fairfield County, are nearby.
Before and immediately after European settlement, the land today comprising Lancaster and Fairfield County was inhabited by the Shawnee, nations of the Iroquois, Wyandot, and other Native American tribes. It served as a natural crossroads for the inter- and intra-tribal wars fought at various times. Frontier explorer Christopher Gist reached Lancaster’s vicinity on January 19, 1751, when he visited the small Delaware town of Hockhocking nearby. Leaving the area the next day, Gist rode southwest to Maguck, another Delaware town near Circleville.
Having been ceded to the United States by Great Britain after the American Revolution in the Treaty of Paris, the lands north of the Ohio River and west of the Appalachian Mountains were incorporated into the Northwest Territory in 1787. White settlers began to encroach on Native American lands in the Northwest Territory. As the new United States government began to cast its eye westward, the stage was set for the series of campaigns that culminated in the Battle of Fallen Timbers in 1794 and the Treaty of Greenville in 1795. With pioneer settlement within Ohio made legal and safe from Indian raids, developers began to speculate in land sales in earnest.
Knowing that such speculation, combined with congressional grants of land sections to veterans of the Revolution, could result in a lucrative opportunity, in 1796 Ebenezer Zane petitioned Congress to grant him a contract to blaze a trail through Ohio, from Wheeling, West Virginia, to Limestone, Kentucky (near modern Maysville, Kentucky), a distance of 266 miles (428 km). As part of the deal, Zane was awarded square-mile tracts of land at the points where his trace crossed the Hocking, Muskingum, and Scioto Rivers. Zane’s Trace, as it is now known, was completed by 1797. As Zane’s sons began to carve the square-mile tract astride the Hocking into saleable plots, the village of Lancaster was founded in 1800. Lancaster antedated the formal establishment of the state of Ohio by three years. Many villages and townships right outside Lancaster, such as Lithopolis, Royalton, and Greencastle, were settled around the same time, which contributed to the village’s success.
Initially known as New Lancaster, and later shortened by city ordinance (1805), the town quickly grew; formal incorporation as a city came in 1831. The connection of the Hocking Canal to the Ohio and Erie Canal in this era provided a way for the region’s rich agricultural produce to reach eastern markets.
The initial settlers were predominantly German immigrants and their descendents, many from Lancaster, Pennsylvania. Ohio’s longest continuously operating newspaper, the Lancaster Eagle-Gazette, was born of a merger of the early Ohio Adler, founded around 1807, with the Ohio Gazette, founded in the 1830s. The two papers were ferocious competitors since they were on opposite sides of the American Civil War, with the Adler antislavery and pro-Union. The city also had numerous migrants from the Upper South who sympathized with the Confederacy. The papers merged in 1937, 72 years after the war’s end. This was shortly after the Gazette was acquired by glassmaker Anchor-Hocking. The newspaper is currently part of the Newspaper Network of Central Ohio, a unit of Gannett Company, Inc.
Lancaster is located at 39°43′N 82°36′W / 39.717°N 82.600°W (39.7193, -82.6053). According to the United States Census Bureau, the city has a total area of 18.90 square miles (48.95 km), of which 0.06 square miles (0.16 km) is covered by water.
The city’s median household income was $44,794 and median family income was $59,930. Males had a median income of $36,169 versus $24,549 for females. The city’s per capita income was $25,230. About 12.0% of all families (4.4% of married-couple families), and 16.3% of the population were below the poverty line, including 22.0% of those under age 18 and 10.0% of those over 65.
As of the census of 2020, 40,438 people, 16,451 households, and 9,951 families were residing in the city. The population density was 2,058.3 people per square mile (794.7 people/km). The 18,250 housing units had an average density of 879.6 per square mile (339.6/km). The racial makeup of the city was 92.5% White, 1.8% African American, 0.3% Asian, 0.20% Native American, 0.2% from other races, and 5.0% from two or more races. Hispanics or Latinos of any race were 1.8% of the population.
Of the 16,451 households, 30.9% had children under 18 living with them, 43.7% were married couples living together, 12.9% had a female householder with no husband present, and 39.5% were not families. About 31.3% of all households were made up of individuals, and 15.3% had someone living alone who was 65 or older. The average household size was 2.39, and the average family size was 2.97.
In the city, the age distribution was 22.3% under 18, and 17.4% who were 65 or older. The median age was 39.2 years. For every 100 females, there were 92.3 males. For every 100 females 18 and over, there were 88.6 males.
As of the census of 2010, 38,780 people, 16,048 households, and 9,937 families resided in the city. The population density was 1,955.9 people per square mile (755.2 people/km). The 17,685 housing units had an average density of 879.6 per square mile (339.6/km). The racial makeup of the city was 95.9% White, 1.0% African American, 0.5% Asian, 0.30% Native American, 0.6% from other races, and 1.7% from two or more races. Hispanics or Latinos of any race were 1.6% of the population.
Of the 16,048 households, 27.8% had children under 18 living with them, 42.4% were married couples living together, 14.2% had a female householder with no husband present, and 38.1% were not families. About 31.7% of all households were made up of individuals, and 13.8% had someone living alone who was 65 or older. The average household size was 2.36, and the average family size was 2.95.
In the city, the age distribution was 24% under the age of 18 and 15.7% who were 65 or older. The median age was 37.5 years. For every 100 females, there were 92.3 males. For every 100 females age 18 and over, there were 88.6 males.
According to the city’s 2021 Comprehensive Annual Financial Report, Lancaster’s top employers are:
Lancaster is home to the Fairfield County Fair, a weeklong fair and the last (88th) county fair in Ohio each year, always in the second week of October. It features a variety of attractions, including truck, tractor, and horse pulls, demolition derbies, concerts, bands, and horse races. The Fairfield County Fair also includes food, animals, exhibits, games, and rides for people of all ages.
AHA! is a children’s museum founded in 2006. Its mission is to provide a hands-on, interactive, playful, and educational environment that invites curiosity, allows exploration, encourages participation, and celebrates the child-like wonder in everyone.
Originally built in 1832 for the Maccracken Family, this Federal-style home is constructed predominantly of brick and local limestone. Converted into a museum, it is now furnished as it would have been in the 1830s with some original pieces and numerous early Fairfield County items. Located in one of Lancaster’s three national historic districts, the structure mixes elements of American, Georgian, and Regency architecture.
The Decorative Arts Center of Ohio is a nonprofit museum whose mission is to foster knowledge and appreciation of the decorative arts, celebrate the architecture and heritage of the Reese-Peters House, and enhance historic Lancaster’s vitality and integrity. It provides exhibitions, public programs, art classes, and workshops for all ages, and a focus for research and communication about the decorative arts of Ohio.
Opened in 2002, the Ohio Glass Museum is in historic downtown Lancaster and dedicated to recording the history of the glass industry, which for over 100 years has been one of the mainstays of Fairfield County’s economy.
Lancaster was the birthplace of Civil War General William Tecumseh Sherman and his brother, Senator John Sherman. The house where they were born, built in 1811, has been converted into a museum, housing articles related to General Sherman’s life and Civil War artifacts. The Sherman family expanded the frame house in 1816 and again, with an additional brick front, in 1870.
The Robert K Fox Family YMCA Swim Team (LYST, or Lancaster YMCA Swim Team), is a competitive, year-round swim team coached by Axel Birnbrich and a team of experienced assistant coaches. Birnbirch is in his 39th year of coaching and his second year at LYST. The team has swimmers from ages 5–18 and around 130 members per year. They regularly attend the YMCA Short Course and Long Course national meets. They are also a USA Swimming team, attending many USA meets per season.
The city’s main shopping district is centered around River Valley Mall, or downtown Lancaster.
Lancaster City School District operates Lancaster High School. Lancaster has a public library, a branch of the Fairfield County District Library. Additionally, Ohio University-Lancaster is a branch campus of Ohio University that operates in the area.
Lancaster has a daily newspaper, the Lancaster Eagle-Gazette.
Lancaster has a monthly magazine, the Lancaster Living Magazine, published by Cher Jaurigue.
Lancaster is the birthplace and/or hometown of:
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.
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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.