Owner Operators Truck Insurance Near Me Suffolk, Virginia
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Suffolk, 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 Suffolk, Virginia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Suffolk, 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.
Suffolk is an independent city in Virginia, United States. As of 2022, the population was 99,179. It is the 9th-most populous city in Virginia, the largest city in Virginia by boundary land area as well as the 14th-largest in the country.
Suffolk is located in the Hampton Roads metropolitan area. This also includes the independent cities of Chesapeake, Hampton, Newport News, Norfolk, Portsmouth, and Virginia Beach, and smaller cities, counties, and towns of Hampton Roads. With miles of waterfront property on the Nansemond and James rivers, present-day Suffolk was formed in 1974 after consolidating with Nansemond County and the towns of Holland and Whaleyville. The current mayor (as of 2021) is Mike Duman.
Prior to colonization, the region was inhabited by the indigenous Nansemond people. The settlement of Suffolk was established in 1742 by Virginian colonists as a port town on the Nansemond River. It was originally named Constant’s Warehouse (for John Constant, one of the first founders of the settlement) before being renamed after Royal Governor of Virginia Sir William Gooch’s home county of the same name in England. During the colonial era, Virginian colonists in the region cultivated tobacco with enslaved labor as a cash crop, before transitioning to mixed farming. Suffolk was designated as the county seat of Nansemond County in 1750.
Early in its history, Suffolk became a land transportation gateway to the areas east of it in South Hampton Roads. Before the American Civil War, both the Portsmouth and Roanoke Railroad and the Norfolk and Petersburg Railroad were built through Suffolk, early predecessors of 21st-century Class 1 railroads operated by CSX Transportation and Norfolk Southern, respectively. Other railroads and later major highways followed after the war.
Suffolk became an incorporated town in 1808. Suffolk became a stop on the Atlantic and Danville Railway in 1890. In 1910, it incorporated as a city and separated from Nansemond County. However, it remained the seat of Nansemond County until 1972, when its former county became the independent city of Nansemond. In 1974, the independent cities of Suffolk and Nansemond merged under Suffolk’s name and charter.
Peanuts grown in the surrounding areas became a major agricultural industry for Suffolk. Notably, Planters’ Peanuts was established in Suffolk beginning in 1912. Suffolk was the ‘birthplace’ of Mr. Peanut, the mascot of Planters’ Peanuts. For many years, the call-letters of local AM radio station WLPM stood for World’s Largest Peanut Market. (WLPM’s license was cancelled in 1996 )
Suffolk is located at 36°44′29″N 76°36′36″W / 36.741347°N 76.609881°W (36.741347, −76.609881).
According to the United States Census Bureau, the city has a total area of 429 square miles (1,110 km), of which 400 square miles (1,000 km) is land and 29 square miles (75 km) (6.7%) is water. It is the largest city in Virginia by land area and second-largest by total area. Part of the Great Dismal Swamp is located in Suffolk.
Note: the US Census treats Hispanic/Latino as an ethnic category. This table excludes Latinos from the racial categories and assigns them to a separate category. Hispanics/Latinos can be of any race.
As of the census of 2010, there were 84,585 people, 23,283 households, and 17,718 families residing in the city. The population density was 159.2 inhabitants per square mile (61.5/km). There were 24,704 housing units at an average density of 61.8 per square mile (23.9/km). The racial makeup of the city was 50.1% White, 42.7% Black or African American, 0.3% Native American, 1.6% Asian, 0.1% Pacific Islander, 0.8% from other races, and 2.3% from two or more races. Hispanics or Latinos of any race were 2.9% of the population.
There were 23,283 households, out of which 36.6% had children under the age of 18 living with them, 55.1% were married couples living together, 16.8% had a female householder with no husband present, and 23.9% were non-families. 20.2% of all households were made up of individuals, and 8.1% had someone living alone who was 65 years of age or older. The average household size was 2.69 and the average family size was 3.09.
The age distribution was 27.8% under the age of 18, 7.1% from 18 to 24, 31.1% from 25 to 44, 22.5% from 45 to 64, and 11.4% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 91.4 males. For every 100 females age 18 and over, there were 87.4 males.
The median income for a household in the city was $41,115, and the median income for a family was $47,342. Males had a median income of $35,852 versus $23,777 for females. The per capita income for the city was $18,836. About 10.8% of families and 13.2% of the population were below the poverty line, including 18.2% of those under age 18 and 11.2% of those age 65 or over.
As of 2005, the city’s median income jumped to $60,484. A number of government-related, contractor high-tech jobs had developed with new businesses in the city’s northern corridor, bringing in wealthier residents. Suffolk ranked a close second in median income to its neighbor Chesapeake in South Hampton Roads.
The city was hit by an EF3 tornado which produced a large swath of extensive damage through the city and nearby communities during the late afternoon of April 28, 2008. After 4:00 PM EDT on April 28, a tornado touched down multiple times, causing damage and leaving more than 200 injured in Suffolk. the path of the storm passed north and west of the downtown area, striking near Sentara Obici Hospital and in the unincorporated town of Driver. The storm seriously damaged more than 120 homes and 12 businesses. The subdivisions of Burnett’s Mill and Hillpoint Farms were severely damaged, as were several older historic structures in Driver. Near Driver, the large radio and television broadcast towers, which were located in an antenna farm serving most of Hampton Roads, were spared serious damage.
Governor Tim Kaine declared a state of emergency and directed state agencies to assist the recovery and cleanup efforts. Police officers and firefighters from across Hampton Roads were sent to Suffolk to help in a quarantine and cleanup of the damaged areas. On May 1, the state estimated property damages at $20 million.
Video of the tornado.
Suffolk Public Schools, the local public school system, operates 12 elementary schools, four middle schools, three high schools, and one alternative school. Nansemond-Suffolk Academy is a private college preparatory school located on Pruden Blvd.
Paul D. Camp Community College has a campus in Suffolk.
Suffolk’s early growth depended on its waterfront location, with access to the waterways for power and transportation. Subsequent transportation infrastructure upgraded its connections with other markets. These continue to be major factors in the 21st century.
The Dismal Swamp National Wildlife Refuge includes dozens of miles of trails accessible via White Marsh Road at Washington Ditch and other entry sites. Additional bike trails can be found at Lone Star Lakes City Park off Godwin Blvd. This city park provides over 4 miles (6.4 km) of rock trails. There are many rural roads with light traffic available for road riding. Adjacent to Suffolk is Isle of Wight County, where a county facility called Nike Park includes a bike trail approximately 21⁄2 miles in a loop.
Suffolk was initially a port at the head of navigation of the Nansemond River. The Nansemond flows into the James River near its mouth and the ice-free harbor of Hampton Roads.
The two railroads completed through Suffolk before the American Civil War were later joined by four more. These were eventually consolidated during the modern merger era of North American railroads which began around 1960. Suffolk was served by several passenger lines, concluding with Amtrak’s Mountaineer, which ended in 1977. At least two former passenger stations are still standing, the Seaboard Coast Line station, now the Seaboard Station Railroad Museum, and the Norfolk and Western Railway station at 100 Hollady Street. The N&W station was used by Amtrak (as “Holiday Street”) until 1977 when the Mountaineer was replaced by a bus connection to the Hilltopper. Currently, Amtrak’s Northeast Regional between Norfolk and Petersburg passes by the N&W station without stopping.
Today, Suffolk is served by three freight railroads. It is located on a potential branch line for the Southeast High Speed Rail Corridor between Petersburg, Virginia and South Hampton Roads, being studied by the Virginia Department of Rail and Public Transportation.
Suffolk is served by U.S. Highways 17, 13, 58, 258, and 460. Interstate 664, part of the Hampton Roads Beltway, crosses through the northeastern edge of the city. State Route 10 is also a major highway in the area.
In 2006, Suffolk assumed control of its road system from the Virginia Department of Transportation, which is customary among Virginia’s independent cities. Since the Byrd Road Act of 1932 created Virginia’s Secondary Roads System, the state maintains the roads in most counties and towns. An exception was made by the General Assembly when the former Nansemond County became an independent city and consolidated Suffolk in the 1970s. The state maintained the primary and secondary routes in Suffolk until July 1, 2006.
The Monitor–Merrimac Memorial Bridge–Tunnel connects Suffolk to the independent city of Newport News on the Virginia Peninsula from South Hampton Roads. It is part of the Hampton Roads Beltway, a circumferential interstate highway that links the seven largest cities of Hampton Roads. Completed in 1992, it provided a third major vehicle crossing of the Hampton Roads harbor area and cost $400 million to build.
The city and VDOT have had disputes over ownership and responsibility for the Kings Highway Bridge (circa 1928) across the Nansemond River on State Route 125. VDOT closed it in 2005 for safety reasons.
About 3,300 motorists a day used the bridge that connected Chuckatuck and Driver. The closure forced detours of as much as 19 miles (31 km). The cost of a new bridge for the King’s Highway crossing is estimated at $48 million, far more than could be recovered through collection of tolls at that location. In 2007, VDOT announced that it would contract for demolition and removal of the bridge. According to newspaper accounts, this was the first time in VDOT’s history that it did not plan for a replacement facility.
Virginia is reviewing proposals under a public-private partnership for a major realignment and upgrade of U.S. 460 from Suffolk west to Interstate 295 near Petersburg. In 1995, the Virginia General Assembly passed the Public-Private Transportation Act, allowing private entities to propose innovative solutions for designing, constructing, financing, and operating transportation improvements. The new roadway would be funded through collection of tolls.
As part of the Suffolk 2026 Comprehensive Plan, the city plans to bypass the crossroads community of Whaleyville in southwestern Suffolk City. US 13 (along with NC Highway 11) is a strategic highway corridor in North Carolina toward Greenville.
The City of Suffolk operates Suffolk Transit, which provides local bus service.
In modern times, Suffolk remains a major peanut processing center and railroad and highway transportation hub. It hosts a diverse combination of industrial, manufacturing, distribution, retail, and hospitality businesses, as well as active farming.
In 2002, the new Louise Obici Memorial Hospital was completed and dedicated. It was acquired in 2005 by the Sentara Health System. Planters’ Peanuts has been a major employer, now owned by Kraft Foods. Each fall since 1977, the City of Suffolk hosts Suffolk Festivals Incorporated’s annual Peanut Fest.
Other large employers in the City of Suffolk include Unilever, Lipton Tea, Massimo Zanetti Beverage Group, Wal-Mart, Target, QVC, and two major modeling and simulation companies, Lockheed Martin and Raytheon. Lockheed Martin built its “Center for Innovation” around a lighthouse in Suffolk, for which the campus is called ‘The Lighthouse’. Raytheon won a DoD contract to manufacture ‘Miniature Air-Launched Decoy Jammers'(MALD-J), which it has been producing with Cobham Composite Products: 202 vehicles for a price of $81 million .
The U.S. Joint Forces Command (JFCOM) facility, near the intersection of US 17 and Interstate 664, has resulted in a growth in defense contracting and high tech jobs since 1999. Through the following decade, JFCOM employed a growing number of defense contractors until it reached over 3,000. By September 2010, US Secretary of Defense Robert Gates recommended to decommission JFCOM, as a matter of reallocating and rebalancing the U.S. Department of Defense budget, to better address changing needs and fiscal demands.
The announcement led to speculation about the effects the loss of JFCOM would have on the Hampton Roads economy in general and (more specifically), on the future of related businesses located in the Harborview section of Suffolk. In August 2011 JFCOM was disestablished. But many critical JFCOM functions, such as joint training, joint exercises, and joint development were retained in the buildings vacated by JFCOM, under the auspices of the Joint Staff J7 Directorate, referred to as either “Pentagon South” or “Joint and Coalition Warfighting”.
By summer 2013, city officials expected the Naval Network Warfare Command, NNWC Global Network Operations Center Detachment, Navy Cyber Defense Operations Command and Navy Cyber Forces to occupy buildings vacated by JFCOM. These commands have been considered a boon to north Suffolk, bringing an estimated 1,000 additional employees, counting military, civilians and contractors, with an estimated annual payroll of $88.9 million. The buildup in these defense functions resulted in Suffolk’s median income increasing markedly in this period.
Suffolk’s daily newspapers are the local Suffolk News-Herald, the Virginian-Pilot from Norfolk and the Daily Press of Newport News. Other papers include the New Journal and Guide, and Inside Business. Coastal Virginia Magazine serves as a bi-monthly regional magazine for Suffolk and the Hampton Roads area. Hampton Roads Times serves as an online magazine for all the Hampton Roads cities and counties. Suffolk is served by a variety of radio stations on the AM and FM dials, with towers located around the Hampton Roads area.
Suffolk is also served by several television stations. The Hampton Roads designated market area (DMA) is the 42nd largest in the U.S. with 712,790 homes (0.64% of the total U.S.). The major network television affiliates are WTKR-TV 3 (CBS), WAVY 10 (NBC), WVEC-TV 13 (ABC), WGNT 27 (CW), WTVZ 33 (MyNetworkTV), WVBT 43 (FOX), and WPXV 49 (ION Television). The Public Broadcasting Service station is WHRO-TV 15. Suffolk residents also can receive independent stations, such as WSKY broadcasting on channel 4 from the Outer Banks of North Carolina and WGBS-LD broadcasting on channel 11 from Hampton. Suffolk is served by Charter Communications. The City of Suffolk Media & Community Relations Department operates Municipal Channel 8 on the local Charter Cable television system. Programming includes television coverage of many City activities and events, including live Government-access television (GATV) broadcasts of all regular City Council meetings, and special features including “On The Scene”, “Suffolk Seniorcize”, and “Suffolk Business Today”. DirecTV and Dish Network are also popular as an alternative to cable television in Suffolk.
Suffolk is divided politically into seven boroughs, one corresponding to the former city of Suffolk and one corresponding to each of the six magisterial districts of the former Nansemond County. The boroughs are Chuckatuck, Cypress, Holy Neck, Nansemond, Sleepy Hole, Suffolk, and Whaleyville.
In 1981, the county of Suffolk in England became Suffolk’s first sister city as a result of the personal interest in the Sister Cities concept by Virginia’s Governor, Mills E. Godwin. A native of the city, Governor Godwin believed that Sister Cities would benefit the community culturally and educationally. Suffolk’s second sister city relationship with Oderzo, Italy, began in 1995 because of one man, Amedeo Obici. Mr. Obici was a native of Oderzo and the founder of Planters Nut and Chocolate Company in Suffolk.
Suffolk Sister Cities International, Inc. (SSCI) is a 501 (c)(3) nonprofit established to promote international relationships as directed by Suffolk City Council through its appointed Suffolk Sister Cities Commission. Its membership is open to all who are interested in fostering the goals of the organization.
SSCI and its international youth association, SIYA, have won national awards for Youth and Education and for the Best Overall Program for cities with populations less than 100,000.
Suffolk’s boundaries include many rural areas and towns, as well central Suffolk itself. For historic districts throughout Suffolk, see National Register of Historic Places listings in Suffolk, Virginia.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Suffolk has a humid subtropical climate, abbreviated “Cfa” on climate maps.
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.