Owner Operators Truck Insurance Near Me South Riding, Virginia
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me South Riding, Virginia. 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 South Riding, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in South Riding, Virginia 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.
South Riding is a census-designated place and planned community in Loudoun County, Virginia, United States. The South Riding homeowner association was founded in January 1995 to provide services to the community. Neighboring U.S. Route 50 and State Route 28 provide access to the Dulles/Reston/Tysons Corner technology corridor and other major employment centers in Northern Virginia and Washington, D.C.
In 2010, the population was 24,256. In 2019, the United States Census Bureau estimated it to be 31,515.
According to South Riding Proprietary, its mission is “To promote the health, safety, welfare and interests of all residents, preserving property values, enhancing the aesthetic beauty and fostering a spirit of community for all members.” The South Riding vision is to create the best community to live and raise a family in Northern Virginia.
In January 1995, the Declarant of developers who owned the land established South Riding Proprietary as a not for profit corporation, as a way of providing services to residents of what became South Riding. In 2009, South Riding Proprietary was granted 501(c)(4) status by the Internal Revenue Service. The Proprietary continues to own and govern South Riding.
Parks, recreation, and community activities are managed by the Dulles South Recreation & Community Center, located along Riding Center Drive. The center is home to, among other activities, a climbing wall, a competitive pool, a leisure pool, a senior center, and facilities which can be rented.
South Riding features numerous green spaces, with around 6 miles of trails.
South Riding is home to South Riding Golf Club, designed by golf course architect Dan Maples, and opened in 1997. It was voted one of the “Top 100 Courses in the Mid-Atlantic” by the Washington Golf Monthly Magazine, and was voted “Best New Course” by Golf Digest in 1998. South Riding is also near the Pleasant Valley Golf Club, the Chantilly National Golf and Country Club, Monster Mini Golf, and the International Country Club, all in Chantilly.
South Riding is 4 miles (6 km) from the Fairfax County Parkway Trail, about 6 miles (10 km) from the Gerry Connolly Cross County Trail, and about 6 miles (10 km) from the Washington & Old Dominion Trail.
South Riding has several pools, including South Riding Center Pool, Meadows Pool, Town Hall Pool, and the Hyland Hills Swimming Pool and Splash Park, as well as the indoor pools at the Dulles South Recreation & Community Center.
South Riding is less than a mile south of U.S. Route 50, which connects the town to Chantilly and Virginia State Route 28 in the east. South Riding is crossed by four other major roads: Virginia State Route 2200 (Tall Cedars Parkway) in the center, Virginia State Route 742 (Poland Road) in the center, Virginia State Route 606 (Loudoun County Parkway) slightly to the west, Virginia State Route 659 (Gum Spring Road), which forms the town’s western border, Virginia State Route 609, Virginia State Route 620, which forms the town’s southern border, and Virginia State Route 28. The Fairfax County line forms the town’s eastern border.
South Riding is served by the East Gate bus station in the Town Center, which serves and is the eastern terminus of the 88 route. The 88 route connects the town to settlements further west along U.S. Route 50, including Stone Ridge.
South Riding is located in southeastern Loudoun County. Neighboring communities are Arcola and Dulles to the north, Stone Ridge to the west, Conklin to the south, Schneider Crossroads to the southeast, and Chantilly in Fairfax County to the east.
According to the United States Census Bureau, the South Riding CDP has a total area of 6.9 square miles (17.9 km), of which 0.1 square miles (0.2 km), or 1.05%, are water. The community is drained by Elklick Run, a south-flowing tributary of Cub Run and part of the Bull Run watershed flowing south to the Occoquan River and eventually the tidal Potomac River.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, South Riding has a humid subtropical climate, abbreviated “Cfa” on climate maps.
South Riding is a census-designated place in Loudoun County; therefore, schools, roads, and law enforcement are provided by the county.
South Riding is owned and governed by the not for profit South Riding Proprietary. All persons who purchase residential property in South Riding are automatically members of the Proprietary, and are subject to dues, which cannot be severed unless the property is sold. By the governing documents, members are subject to responsibilities, and are granted rights and privileges. The Proprietary is headquartered at Town Hall on Center Street, and is led by General Manager Kristi Felouzis.
The Board of Directors is the executive branch of the community government, led by the President, currently Steve Pasquale, and the Vice President, currently Michael Hardin. There are seven members elected by residents. As stated by the governing documents, the Board’s responsibilities include, “developing the annual budget and setting assessments, promulgating and enforcing rules and regulations, administering the architectural scheme of the community and regulating exterior appearance of the homes and providing for the necessary personnel and contractual services to maintain all commonly owned property and facilities”. The Board of Directors also establishes committees which handle specific issues. The board meets monthly at the South Riding Center.
South Riding lies entirely within Virginia’s 10th congressional district, currently represented in Congress by Representative Jennifer Wexton (D-Leesburg). It is represented by Karrie Delaney (D-Centreville) in the state House of Delegates, and by John J. Bell in the state Senate.
South Riding lies within the distribution zone for two national newspapers, the Washington Post, and the Washington Times, as well as for the local Loudoun Times-Mirror. South Riding is also covered by AOL’s Patch service’s Chantilly division.
As a part of Loudoun County, South Riding is served by Loudoun County Public Schools and private schools. South Riding has one high school, Freedom High School, serving the entire town. Middle schoolers in South Riding attend either J. Michael Lunsford Middle School or Mercer Middle School.
South Riding is near multiple higher education centers, including Virginia Christian University, The Long & Foster Institute – Chantilly, Strayer University, and the Mayo College North American Chapter.
South Riding is served by Gum Spring Library, a branch of Loudoun County Public Library in Stone Ridge.
As of 2020, South Riding has a median household income of $168,738. The average listing price for homes in South Riding is between $511,000 and $624,000. Loudoun County also ranks as the 10th most educated county in the nation.
As of the 2010 census:
White 74.1%,
Black 5.08%,
Asian 13.53%,
Hispanic 11.18%.
Between 2009 and 2014, the White population is expected to grow by 25%, the African American population by 37%, the Asian population by 90% and Hispanic population by 81%. The age breakdown of the town is 8.0% under 5 years old, 32.6% under 18 years old, and 65 years or older around 5.8%.
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.
