Owner Operators Truck Insurance Near Me Springfield, Virginia
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Springfield, 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 Springfield, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Springfield, 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.
Springfield is a census-designated place (CDP) in Fairfax County, Virginia, United States. The Springfield CDP is recognized by the U.S. Census Bureau with a population of 30,484 as of the 2010 census. Homes and businesses in bordering CDPs including North Springfield, West Springfield, and Newington are usually given a Springfield mailing address. The population of the collective areas with Springfield addresses is estimated to exceed 100,000. The CDP is a part of Northern Virginia, the most populous region of the Washington Metropolitan Area.
Springfield is located at 38°46′45″N 77°11′4″W / 38.77917°N 77.18444°W (38.779238, −77.184636).
According to the United States Census Bureau, the CDP has a total area of 7.9 square miles (20.4 km), of which, 7.9 square miles (20.3 km) of it is land and 0.04 square miles (0.1 km) of it (0.49%) is water.
The area is dominated by the interchange of I-95, I-395, and the Capital Beltway (I-495), known as the Springfield Interchange. The center of the town is at the intersection of Route 644 (Old Keene Mill Road / Franconia Road) and Route 617 (Backlick Road) adjacent to the interchange. A significant commercial district exists around the interchange area, but the rest of the community is primarily residential in character.
According to the U.S. Postal Service, Springfield collectively has four ZIP codes:
The following are total area, water area, and land area statistics (in square miles) for the four Springfield zip codes:
A saw and grist mill was constructed in the vicinity of what is today Springfield between 1796 and 1800. Owned by James Keene, it gave its name to today’s Old Keene Mill Road. The mill served farms in the area for around sixty years before its discontinuation when William H. Keene was convicted and imprisoned for the 1855 murder of Lewis Quincy Hall. Nothing remains of it today save for two mill races.
Springfield was founded in 1847 around the Orange and Alexandria Railroad’s Daingerfield Station; this is today the Backlick Road Virginia Railway Express station, located off Backlick Road. The area was named for “Springfield Farm”, owned by Henry Daingerfield, an Alexandria businessman who sat on the railroad’s board of directors. The post office was completed sometime after 1851. It was in existence at the time of the American Civil War, being the site of a skirmish on October 3, 1861 and a Confederate raid on August 3, 1863. The station served as the first Springfield Post Office from 1866 to 1868.
In 1877, Richard Moore petitioned for a post office, which he named Moor; it was located about a little over a mile south of the station, near the intersection of Fairfax (now Old Keene Mill) and Backlick roads. The post office name was changed in 1881 to Garfield to honor the late President James A. Garfield, who had been assassinated that year. In 1907, the Garfield post office closed and a new postal station named Corbett (after the then-landowner) opened back at the railroad station. The name “Springfield” was reinstated for good on June 27, 1910, although the name Garfield continued to appear on maps at least through the 1930s. The post office was moved to a new site in 1933.
Springfield remained a rural crossroads until 1946, when real estate developer Edward Carr decided to subdivide the area for suburban development along the recently opened Henry Shirley Highway (now I-95/I-395). Carr believed this to be the last easily accessible tract within 12 miles (19 km) of Washington, D.C., and indeed, the newly developed area grew quickly. In 1950, the area had an estimated population of 1,000; Robert E. Lee High School was built in 1957. By 1960, the population was reported as over 10,000; it grew past 25,000 by 1970 with the North and West Springfield neighborhoods.
Springfield became a major retail destination with the opening of the Springfield Mall (now Springfield Town Center) in 1973–75 (the second regional shopping center in Northern Virginia after Tysons Corner), as well as the Springfield and Brookfield shopping centers. The 1980s and 1990s saw the expansion of retail and high-density housing in the area, at least until the opening of the Franconia-Springfield Parkway in 1996, and the Franconia-Springfield Metro and Virginia Rail Express Station in 1997. The mall was renovated and re-opened in 2014.
The center of Springfield is at Route 644 (Old Keene Mill Road / Franconia Road) and Route 617. The old “Garfield” name still survives in the nearby Garfield Elementary School.
The Sydenstricker School, completed in 1928, was listed on the National Register of Historic Places in 2012.
As of the census of 2010, there were 30,484 people, 12,431 houses, and 7,472 families residing in the Springfield CDP. The population density was 3,869.5 inhabitants per square mile (1,494.0/km). There were 10,630 housing units at an average density of 1,345.6 per square mile (519.5/km). The racial makeup of the CDP was 48.7% White, 9.0% African American, 0.7% Native American, 24.3% Asian, 0.1% Pacific Islander, 12.5% from other races, and 4.7% from two or more races. Hispanic or Latino of any race were 25.5% of the population.
As of 2000, there were 10,495 households, out of which 32.9% had children under the age of 18 living with them, 58.0% were married couples living together, 8.9% had a female householder with no husband present, and 28.8% were non-families. 22.1% of all households were made up of individuals, and 7.7% had someone living alone who was 65 years of age or older. The average household size was 2.88 and the average family size was 3.37. As of 2010, the average household size was 2.82.
In the Springfield CDP, the population was spread out, with 22.5% under the age of 18, 8.0% from 18 to 24, 34.2% from 25 to 44, 23.2% from 45 to 64, and 11.2% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 99.2 males. For every 100 females age 18 and over, there were 96.5 males.
The median income for a household in the Springfield CDP as of 2010 was $84,309, and the median income for a family was $95,158. In 2000, males had a median income of $45,679 versus $36,075 for females. The per capita income for the CDP was $36,405.
The zip code population totals for the entire Springfield community (as defined by USPS) were as follows:
The Greater Springfield Volunteer Fire Department’s fire station at 7011 Backlick Road provides fire and EMS services to Springfield.
The West Springfield District Police Station of the Fairfax County Police Department is at 6140 Rolling Road.
Springfield Mall was a large indoor shopping mall near the Springfield Interchange, the intersection of Interstate highways I-95 and I-495. It contained several anchor stores and a food court. In 2001, two of the hijackers in the September 11 attacks, Hani Hanjour and Khalid al-Mihdhar, illegally obtained state identification at the mall’s DMV office. In 2005, gang members stabbed two people at the mall. and a fatal shooting occurred in December 2007.
In 2005, the mall was purchased by Vornado Realty Trust, which closed the structure, renovated and reopened it in 2014 as “Springfield Town Center”.
Central Springfield is dominated by the Springfield Interchange, popularly known as the “Mixing Bowl” or the “Melting Pot”, a name taken from an earlier interchange near the Pentagon. The interchange includes three Interstates (I-95, I-395, and I-495), with two exits less than a half mile apart, with two roads (Commerce Street and Route 644 (Old Keene Mill Road / Franconia Road)) going over or under I-95 within less than a half mile, and is further complicated by the presence of a separate, reversible high-occupancy vehicle lane passing through the center of two of the interstates.
Built between 1999 and 2007 at a cost of $676 million, the Springfield Interchange Improvement Project was finished on time and on budget, according to the Virginia Department of Transportation, and dedicated on July 18, 2007, by Virginia Governor Timothy M. Kaine.
The closest airport to Springfield is the Ronald Reagan Washington National Airport, in Arlington, Virginia. Other airports include the Washington Dulles International Airport, located in Chantilly and Sterling, Virginia, as well as Baltimore-Washington International Thurgood Marshall Airport in Linthicum, Maryland.
The corporate headquarters of Ensco is physically located in the Ravensworth census-designated place, with a Springfield postal address.
Public schools in Springfield are run by Fairfax County Public Schools.
Some Springfield neighborhoods feed schools outside the census-designated place limits, such as the Lake Braddock, South County, and Hayfield districts. Likewise, some Springfield schools are fed by neighborhoods outside the CDP limits.
Elementary schools serving the Springfield area include: Cardinal Forest Elementary School (in West Springfield CDP), Crestwood Elementary School, Garfield Elementary School, Forestdale Elementary School, Hunt Valley Elementary School, Keene Mill Elementary School (West Springfield CDP), Kings Glen Elementary School, Kings Park Elementary School (in Kings Park CDP), Lynbrook Elementary School, Newington Forest Elementary School, North Springfield Elementary School (in North Springfield CDP), Orange Hunt Elementary School, Ravensworth Elementary School (in Ravensworth CDP), Rolling Valley Elementary School (West Springfield CDP), Sangster Elementary School, Springfield Estates Elementary School, Saratoga Elementary School, and West Springfield Elementary School (West Springfield CDP).
Middle schools serving Springfield include Francis Scott Key Middle School and Washington Irving Middle School (West Springfield CDP).
High schools serving Springfield include Robert E. Lee High School and West Springfield High School in West Springfield CDP; the latter is home to the West Springfield Dance Team, which appeared on the television show America’s Got Talent.
Private schools in the vicinity of Springfield include St. Bernadette School (of the Roman Catholic Diocese of Arlington) in West Springfield CDP, Springfield Academy, the Word of Life Christian Academy, Iqra Elementary, and Al-Qalam Academy.
The medical campus of Northern Virginia Community College is located in Springfield. It offers a variety of associates degrees and certificates.
The Fairfax County Public Library system operates the Richard Byrd Library.
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.
