Owner Operators Truck Insurance Near Me Stow, Ohio
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Stow, 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 Stow, Ohio with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Stow, 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.
Stow is a city in Summit County, Ohio, United States. The population was 34,483 at the 2020 census. It is a suburban community within the Akron metropolitan area.
Stow is named for Joshua Stow, its original proprietor. Joshua Stow was a member of the party led by Moses Cleaveland to survey the lands of the Connecticut Western Reserve around present-day Cleveland in 1796. He was a native of Middletown, Connecticut, however, and never lived in Stow, though he spent both time and money developing the township and is quoted as saying it was “one of the prettiest and most romantic spots in the Western Reserve.” The land that would eventually be known as Stow Township was the survey township “Town 3, Range 10” of the Western Reserve and was initially 25 square miles (65 km). It was purchased by Joshua Stow for $14,154. Prior to the arrival of European settlers, the area around what is now Stow was inhabited by a tribe of Seneca Native Americans at a small settlement in the area that is now part of the neighboring village of Silver Lake.
The first settler in Stow Township was William Walker, who arrived in 1802. Walker built a cabin just south of the land of his father Robert in Hudson Township mistakenly believing he was building in Hudson. In 1804, when Stow Township was separated from Hudson Township and surveyed into lots by Joseph Darrow, it was discovered his house was actually in Stow Township. Walker purchased the lot his home was on and continued to live there. Darrow had been hired by Joshua Stow’s land agent William Wetmore, a settler also from Middletown, Connecticut, who moved to Stow in 1804 with his family and several other settlers. The Wetmores built a cabin in July 1804 near the center of Stow Township and the present-day intersection of Darrow Road and Kent Road. In 1808, the Wetmores built a home near the Seneca settlement in what is now Silver Lake. The house overlooked a small lake, known as Silver Lake since 1874, that was known earlier as Wetmore Pond or Stow Lake. Stow Township was formally organized in 1808 with the first election held in 1811. 1808 was also the year it was made part of the original Portage County. It remained as part of Portage County until it was included in the new Summit County in 1840.
Most of the original 25-square-mile (65 km) township is part of the present city of Stow, but parts of the original township form all or part of three neighboring communities. Munroe Falls was settled in 1809 as “Kelsey Mills” in the southern part of Stow Township and incorporated as a village in 1838. Cuyahoga Falls was developed on land owned by Wetmore and Joshua Stow beginning in 1825 in the southwestern part of the township and became a town in 1837. In 1851, Cuyahoga Falls Township was created, taking the southwest corner of Stow Township along with parts of three neighboring townships. Cuyahoga Falls incorporated as a village in 1868 and later annexed additional portions of Stow Township in the 19th and 20th centuries, as did Munroe Falls. Silver Lake incorporated as a village in 1918 on land that had previously been part of Stow Township. The remainder of Stow Township incorporated in 1957 as a village and became a city following the 1960 United States Census.
Stow is a suburb of Akron and is in east-central Summit County on the border with Portage County. It directly borders Kent to the east, Tallmadge and Munroe Falls to the south, Hudson to the north, and Cuyahoga Falls to the west and south. On the northwest corner, it touches Boston Township, with Streetsboro on the northeast corner and Brimfield Township on the southeast. According to the United States Census Bureau, the city has a total area of 17.32 square miles (44.86 km), of which 17.09 square miles (44.26 km) is land and 0.23 square miles (0.60 km) is water.
Stow’s climate is classified as a humid continental climate in the Dfa Köppen climate classification meaning it typically has very warm, humid summers and cold, snowy winters, with moderate and variable spring and autumn seasons. The city is not considered part of the Lake Erie snowbelt, though lake-effect snow does occur at times. Stow is in the “secondary snowbelt,” meaning it will receive heavier snowfalls from lake-effect snow when certain wind directions are more prevalent, but typically sees far less snow than areas to the north closer to Lake Erie.
As of economic data accessed in 2013, those living under the poverty level in Stow has increased from 4.0% in 2007 to 7.5%. The employment status is 71% in the labor force, with an unemployment rate of 5.8%. There are 23.4% of the population receiving a mean Social Security income of $16,235 per year.
Of the city’s population over age 25, 40.6% hold a bachelor’s degree or higher.
As of the census of 2010, there were 34,837 people, 14,226 households, and 9,436 families residing in the city. The population density was 2,038.4 inhabitants per square mile (787.0/km). There were 15,141 housing units at an average density of 886.0 per square mile (342.1/km). The racial makeup of the city was 93.0% White, 2.7% African American, 0.1% Native American, 2.4% Asian, 0.3% from other races, and 1.4% from two or more races. Hispanic or Latino of any race were 1.5% of the population.
There were 14,226 households, of which 30.9% had children under age 18 living with them, 53.9% were married couples living together, 9.0% had a female householder with no husband present, 3.5% had a male householder with no wife present, and 33.7% were non-families. 27.2% of all households were made up of individuals, and 10.1% had someone living alone who was 65 or older. The average household size was 2.42, and the average family size was 2.97.
The median age in the city was 39.7 years. 22.7% of residents were under age 18; 8.1% were between 18 and 24; 26.8% were from 25 to 44; 28.6% were from 45 to 64; and 13.8% were 65 or older. The gender makeup of the city was 48.2% male and 51.8% female.
As of the census of 2000, there were 32,139 people, 12,317 households, and 8,745 families residing in the city. The population density was 1,878.1 inhabitants per square mile (725.1/km). There were 12,852 housing units at an average density of 751.0 per square mile (290.0/km). The racial makeup of the city was 95.20% White, 1.54% African American, 0.11% Native American, 1.91% Asian, 0.01% Pacific Islander, 0.30% from other races, and 0.93% from two or more races. Hispanic or Latino of any race were 0.91% of the population.
There were 12,317 households, out of which 35.3% had children under the age of 18 living with them, 59.8% were married couples living together, 8.4% had a female householder with no husband present, and 29.0% were non-families. 23.7% of all households were made up of individuals, and 8.0% had someone living alone who was 65 years of age or older. The average household size was 2.57 and the average family size was 3.08.
In the city the population was spread out, with 26.0% under the age of 18, 7.4% from 18 to 24, 31.1% from 25 to 44, 23.5% from 45 to 64, and 12.0% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 93.8 males. For every 100 females age 18 and over, there were 89.8 males.
Stow has several community parks including Adell Durbin Park, Meadowbrook Lake Park, Silver Springs Park, and Oregon Trail Park. Stow also owns Fox Den Golf Course. Stow Parks and Recreation allows children and teenagers to participate in sports such as baseball and basketball. The tennis courts at Stow’s parks are free to the public. The tennis courts at Adel Durbin Park are also lit for nighttime play.
Stow is also home to the Roses Run Country Club, which overlooks a section of the Cuyahoga River. In 2006 it was ranked the 18th most challenging 18-hole golf course in Northeast Ohio by the Northern Ohio Golf Association. Fox Den Golf Course is another 18 hole 72 par golf course located in the eastern part of Stow and is owned and operated by the city of Stow. In 2009 it was named as one of the top-ten golf courses in Northeast Ohio by the Akron Beacon Journal.
The 33.5-mile (53.9 km) Summit County MetroParks Bike and Hike trail runs through Stow beginning near the Pambi Farm Estates and Roses Run Country Club. The paved Bike & Hike Trail parallels a scenic section of the Cuyahoga River where great blue herons, Canada geese, ducks, turtles and white-tailed deer can be seen. The trail continues west through the neighboring cities of Munroe Falls and Silver Lake then continues north to Brandywine Falls, one of the highest waterfalls in Ohio. All 33.5 miles of the trail are paved and can be used for hiking, biking and rollerblading as well as cross-country skiing. Picnic areas can be found at numerous places along the trail.
Stow is served by the Stow–Munroe Falls City School District, along with most of neighboring Munroe Falls. The district includes six elementary schools (Echo Hills, Fishcreek, Highland, Indian Trail, Riverview and Woodland), Lakeview Intermediate School, Kimpton Middle School and Stow-Munroe Falls High School. All of the district schools are in Stow except Riverview Elementary and Kimpton Middle School, which are in Munroe Falls. Stow is served by Holy Family School for those wishing a Grade 1-8 Catholic education.
Stow is served by a local newspaper — the Stow Sentry — published weekly by Record Publishing Co. Maintained by the area division of Time Warner Cable, Stow also sponsors a Government-access television (GATV) station on cable TV — Stow Community Channel 15. The station broadcasts live audio from city council meetings, and regular announcements relating to: city and school functions; maintenance work; area businesses; and any upcoming local events.
Three Ohio state routes run through Stow: Ohio State Route 8, a limited-access highway; Ohio State Route 59 (Kent Road); and Ohio State Route 91 (Darrow Road). Both the Akron Metropolitan Regional Transit Authority (METRO RTA) and Portage Area Regional Transportation Authority (PARTA) have bus lines that stop in Stow, and the city is also home to Kent State University Airport.
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.
