Owner Operators Truck Insurance Near Me Williamsport, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Williamsport, Pennsylvania. 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 Williamsport, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Williamsport, Pennsylvania 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.
Williamsport is a city in, and the county seat of, Lycoming County, Pennsylvania, United States. As of the 2020 census, it had a population of 27,754. It is the principal city of the Williamsport Metropolitan Statistical Area, which has a population of about 114,000. Williamsport is the larger principal city of the Williamsport-Lock Haven Combined Statistical Area, which includes Lycoming and Clinton counties.
The city is the cultural, financial, and commercial center of Central Pennsylvania. It is 131 miles (211 km) from Philadelphia, 166 miles (267 km) from Pittsburgh and 85 miles (137 km) from Harrisburg. It is known for its sports, arts scene and food. Williamsport was settled by Americans in the late 18th century, and began to prosper due to its lumber industry. By the early 20th century, it reached the height of its prosperity. The population has since declined by approximately 40 percent from its peak of around 45,000 in 1950.
As county seat, Williamsport has the county courthouse, county prison, sheriff’s office headquarters and federal courthouse, all downtown. It is also home to two institutions of higher learning, the Pennsylvania College of Technology, also known as Penn College, and Lycoming College. Williamsport is the birthplace of Little League Baseball. South Williamsport, a town across the West Branch Susquehanna River, is the headquarters of Little League Baseball and annually hosts the Little League World Series in late summer. Other points of interest include the Hiawatha riverboat, Millionaires’ Row, Peter J. McGovern Little League Museum, the Community Arts Center, the Genetti Hotel, the Susquehanna Riverwalk, and The Gallery at Penn College.
Williamsport is located 129.2 miles (207.9 km) northwest of Allentown and 86.3 miles (138.9 km) north of Harrisburg.
In 1763, the Battle of Muncy Hills took place during the French and Indian War. It was a clash between the Native Americans and colonists seeking homestead sites in Native American territory. In 1768, at the Treaty of Fort Stanwix, the British purchased the land that became Lycoming County from the Iroquois Nation who controlled the lands.
In March 1796 the first house was built in Williamsport. James Russell built his inn on what is now the northeastern corner of East Third and Mulberry Streets in downtown. On April 13, 1795 Lycoming County was formed from Northumberland County. It encompassed all the lands of Northumberland County situated west of Muncy Hills and was a domain of 12,500 square miles (32,000 km), comprising most of north central Pennsylvania. In 1796 the first recorded childbirth in Williamsport was James Russell, the son of Mr. and Mrs. William Russell and grandson of James Russell of the Russell Inn, and the first school was built as a one-room log addition to the building that would eventually become the first Lycoming County Courthouse. In 1798 the first brick house in Williamsport was erected on Front Street, between Market and Mulberry, by Andrew Tulloh, a lawyer. The bricks were made on the banks of Grafius Run where that stream crossed Hepburn Street.
In 1799, a post office opened at the corner of Third and State Streets in what is now downtown, and the following year, a jail was constructed at the northeast corner of William and Third Streets. The post office was later converted to a saloon.
In 1801, the town’s first store was opened by William Winter on Third Street. In 1831 Jacob L. Mussina established the Repasz Band, the oldest brass band in America still in existence. On Oct. 15 1834 The West Branch Canal opened and the first boat to pass through the canal en route to Jersey Shore was that of George Aughenbaugh. The first freight carried into town was iron for the foundry of John B. Hall. The same year the enactment of the common school law by Pennsylvania Legislature led to public education here. In May 1835, the first public schools opened in Williamsport and also the town’s first bank, the West Branch National Bank.
The Underground Railroad, used by enslaved African-Americans to obtain their freedom in the 30 years before the Civil War (1860–1865) included routes from states in the South, which supported slavery, to “free” states in the North and Canada. From 1830 until 1865, the underground railroad, a system of safe houses and routes for slaves escaping to freedom, operated in Lycoming County; many local abolitionists, including Daniel Hughes, served as conductors and agents.
Based on the oral history of Mamie Sweeting Diggs (1933–2011), fourth generation descent and great-granddaughter, Hughes, was a river raftsman on the Susquehanna river who had migrated from Oswego, New York. He lived on the Muncy Indian Reservation until he acquired land off Freedom Road. During his trips transporting logs to Maryland, he brought escaped slaves back on foot from Baltimore, over Bald Eagle Mountain and hid them at his home and in the caves on Freedom Road.
Mamie’s grandfather, Robert, helped his father, Daniel Hughes, hide escaped slaves in the caves behind their home on Freedom Road. They fed them, nursed the sick back to health and delivered them safely to the next “station”, The Apker House in Trout Run. The Apker House was the home of Robert Fairies, abolitionist and president of the Williamsport-Elmira Railroad. The railroad ran through his property where escaped slaves were hidden in the barn and house and then loaded into railway baggage cars for the trip to Elmira, NY, the next “station.”
Mamie’s grandfather, Robert passed the stories to his children, including Mamie’s mother, Marion. Marion tended the family homestead, maintained Freedom Road Cemetery (where nine black Civil War vets are buried) and passed Daniel’s stories down to her children.
In 1849, the Market Street Bridge was built over the West Branch Susquehanna River. It was opened as a toll bridge to cover the state’s costs of $23,797. In 1854, a brewery opened. The brewery was sold to Henry Flock in 1865. This brewery was run by the Flock family until the 1940s. The Flocks’ business survived Prohibition by converting to a dairy.
In 1875, the first tower clock in the United States to sound the Cambridge Quarters (Westminster Chime) was installed at Trinity Episcopal Church, a gift of Peter Herdic with bells given by the Honorable Judge J. W. Maynard. The following year, the Williamsport Hospital opened its first facility April 1 at Elmira and Edwin Streets.
In 1881, a state law ended racial segregation in Pennsylvania schools. By 1948, all schools in this area were integrated. In 1895, Harry Houdini appeared in one of his earliest performances, at the Old Fair Grounds with The Welch Brothers Circus.
Williamsport was the birthplace of the national newspaper Grit in 1882. Williamsport purportedly once had more millionaires per-capita than anywhere else in the world. For this reason, the area’s local high school, the Williamsport Area High School, uses “Millionaires” as its team mascot.
The Flood of March 17–18, 1936 caused the river to crest at 33.9′. Flood waters reached High Street. It was known locally as the Hello, Al flood because Al Glaes, operating a short-wave radio station from his home on High Street, kept the city in touch with the rest of the world after the flood disrupted electricity and telephone service.
On June 6, 1939 the first Little League Baseball game was played on a sandlot outside Bowman Field in Williamsport. Carl Stotz conceived the idea of a Little League, and he and Bert and George Bebble managed the first three teams. In 1941 the U.S. entered World War II after the Japanese attacked Pearl Harbor. Williamsport native Joe Lockard, stationed on Oahu, gave warning of the impending attack based on radar readings. His readings were dismissed as American B17 bombers coming in from the mainland. Also in 1941 the Williamsport School Board created the Williamsport Technical Institute for high school and post-high school students. It grew into the Williamsport Area Community College, and later became Pennsylvania College of Technology.
Williamsport is located at 41°14′40″N 77°1′7″W / 41.24444°N 77.01861°W (41.244428, −77.018738), and is bordered by the West Branch Susquehanna River to the south (with Armstrong Township, South Williamsport, Duboistown and Susquehanna Township south of the river), Loyalsock Township to the east and north, Old Lycoming Township to the north and Woodward Township to the west. As the crow flies, Lycoming County is about 130 miles (209 km) northwest of Philadelphia and 165 miles (266 km) east-northeast of Pittsburgh.
The Peter Herdic House, Hart Building, Millionaire’s Row Historic District, City Hall, Williamsport Armory, and Old City Hall are listed on the National Register of Historic Places.
Neighborhoods of Williamsport include:
According to the United States Census Bureau, the city has a total area of 9.5 square miles (25 km), of which 8.9 square miles (23 km) is land and 0.7 square miles (1.8 km) (6.92%) is water.
Under the Köppen climate classification, Williamsport falls within either a hot-summer humid continental climate (Dfa) if the 0 °C (32 °F) isotherm is used or a humid subtropical climate (Cfa) if the −3 °C (27 °F) isotherm is used. Williamsport has four distinct seasons, and lies in USDA hardiness zone 6b, with areas away from the West Branch Susquehanna River falling in zone 6a. Winters are cold and comparatively dry but typically bring a mix of rain, sleet, and snow with occasional heavy snowfall and icing. January is the coldest month with an average mean temperature of 26.8 °F (−2.9 °C), with temperatures on average dropping to or below 0 °F (−18 °C) on 2.8 days and staying at or below freezing on 29 days per year. Snowfall averages 36.0 inches (91 cm) per season. The snowiest month on record was 40.1 inches (102 cm) in January 1987, while winter snowfall amounts have ranged from 85.9 in (218 cm) in 1995–96 to 7.0 in (18 cm) in 1988–89. Summers are typically very warm and humid with temperatures exceeding 90 °F (32 °C) on 15 days per year on average; the annual count has been as high as 42 days in 1988, while only 1907 and 1979 did not reach that mark. July is the warmest month with an average mean temperature of 72.7 °F (23 °C).
The all-time record high temperature in Williamsport of 106 °F (41 °C) was established on July 9, 1936, which occurred during the Dust Bowl, and the all-time record low temperature of −20 °F (−29 °C) was set on January 21, 1994. The first and last freezes of the season on average fall on October 16 and April 30, respectively, allowing a growing season of 168 days. The normal annual mean temperature is 50.4 °F (10.2 °C). Normal yearly precipitation based on the 30-year average from 1981–2010 is 41.28 inches (1,049 mm), falling on an average 133 days. Monthly precipitation has ranged from 16.80 in (427 mm) in June 1972 (due to heavy rainfall from Hurricane Agnes) to 0.16 in (4.1 mm) in September 1943, while for annual precipitation the historical range is 70.26 in (1,785 mm) in 2011 to 27.68 in (703 mm) in 1930.
Williamsport is the larger principal city of the Williamsport-Lock Haven, PA Combined Statistical Area, which includes the Williamsport metropolitan area (Lycoming County) and the Lock Haven micropolitan area (Clinton County) and had a combined population of 157,958 at the 2000 census.
As of the census of 2000, there were 30,706 people, 12,219 households, and 6,732 families residing in the city. The population density was 3,456.3 inhabitants per square mile (1,334.5/km). There were 13,524 housing units at an average density of 1,522.3 per square mile (587.8/km). The racial makeup of the city was 84.1% White, 12.7% Black, 0.4% Native American, 0.6% Asian, 0.0% Pacific Islander, 0.5% from other races, and 1.7% from two or more races. Hispanic or Latino of any race were 1.1% of the population.
There were 12,219 households, out of which 27.4% had children under the age of 18 living with them, 34.9% were married couples living together, 15.5% had a female householder with no husband present, and 44.9% were non-families. 35.1% of all households were made up of individuals, and 12.9% had someone living alone who was 65 years of age or older. The average household size was 2.30 and the average family size was 2.97.
In the city the population was spread out, with 22.5% under the age of 18, 18.0% from 18 to 24, 26.7% from 25 to 44, 19.4% from 45 to 64, and 13.5% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 97.7 males. For every 100 females age 18 and over, there were 95.9 males.
The median income for a household in the city was $25,946, and the median income for a family was $33,844. Males had a median income of $26,668 versus $20,196 for females. The per capita income for the city was $14,707. About 13.7% of families and 21.5% of the population were below the poverty line, including 24.0% of those under age 18 and 11.6% of those age 65 or over.
Williamsport operates on a “Strong Mayor” form of government, meaning the mayor is given almost total administrative authority and a clear, wide range of political independence with the power to appoint and dismiss department heads without council approval and little need for public input. The mayor is Derek Slaughter.
Williamsport is located in Pennsylvania’s 23rd senatorial District, Pennsylvania’s 83rd House District, and Pennsylvania’s 12th congressional district.
Williamsport Bureau of Fire was established in 1874 after a devastating fire that destroyed much of the cities down town in 1871. It has a cooperative agreement with the Old Lycoming Volunteer Fire Department. Since the late 1980s, it contracts with Susquehanna Regional EMS for ambulance service.
Williamsport’s top ten employers are UPMC Susquehanna, the Pennsylvania State Government, the Pennsylvania College of Technology, Williamsport Area School District, Brodart Company, Springs Window Fashions, Weis Markets, West Pharmaceuticals, and Textron Lycoming Engines.
Williamsport is noted for the Lycoming aircraft engines which is a division of Avco Corporation and a subsidiary of Textron. Brodart, a library supplies company, is also based in Williamsport. Overhead Garage Door is also located in Newberry. Bethlehem Wire Rope, a 46-acre (190,000 m) manufacturing complex in Williamsport, with over 620,000 square feet (58,000 m) under roof, is the single largest wire rope manufacturing facility in North America.
Recently, interest has grown in extracting natural gas in the Williamsport area. Williamsport has become a key area in the Marcellus Shale drilling.
Lonza Group, a Swiss biotechnology and pharmaceutical company, has a large manufacturing site on the western fringes of the city, where a number of specialty chemicals are made that go into a wide array of oilfield, nutritional, personal care, and industrial applications.
The Williamsport Downtown Gateway Revitalization Project began in 2004 in order to attract more people (both citizens of the Williamsport community and visitors) to the downtown Williamsport area. The construction on the Carl E. Stotz Memorial Little League Bridge, the first of many projects, began in June 2004 and was completed in 2008.
Williamsport is the home of Lycoming College and Pennsylvania College of Technology, The Commonwealth Medical College. There is also a continuing education center of Pennsylvania State University located in Williamsport.
Williamsport Area School District consists of:
Stevens Primary School was closed in 2022.
Williamsport Area School District has a renowned music program, frequently ranked in the top schools in the country each year according to the NAMM Foundation.
Private schools in the area include West Branch School, Mountain View Christian School and Williamsport Christian School and several Catholic schools in Lycoming County are run by Saint John Neumann Regional Academy.
The James V. Brown Library is Williamsport’s public library. The library has a staff of nearly 50 full and part-time employees, and offers volunteer opportunities for youth and adults. With a collection of nearly 150,000 units it offers books, DVDs, CDs, and other resources, while the library offers wireless Internet access, local history archives, and premium online reference resources. As the headquarters for the county library system, the Brown Library serves almost 87,000 patrons, some years circulating upwards of 550,000 books both in-house and through its traveling Storymobile. The James V. Brown offers preschool and early learning opportunities, as well as programs for teens and adults. The library, led by local retired physician Dr. William R. Somers, constructed a children’s wing in 2009 to target educational and social resources to young people from birth through the second grade. The library has since been able to bolster its school-age programming to include teen and tween populations, offering a variety of after-school gaming clubs, arts and crafts programs, and social events that occur on a regular basis. The library’s after-school café also provides reading and study incentives for young students. The Pennsylvania Department of Education, the Office of Commonwealth Libraries, and the Bureau of Library Development funds the statewide online resource “Ask Here PA”, a free chat service that provides Williamsport and other Pennsylvania library patrons with access to 24/7 reference support.
Lycoming College’s Snowden Library and the Pennsylvania College of Technology’s Madigan Library are also located in Williamsport.
UPMC Susquehanna is a six hospital integrated health system including:
UPMC Susquehanna Williamsport was recognized as one of the 2011 Thomson Reuters 50 Top Heart Hospitals in the nation.
Williamsport Regional Airport (IPT), located several miles east of the city in the borough of Montoursville, currently lacks commercial flights after American Eagle exited the market in 2021. Fullington Trailways provides daily long distance bus service from a station in the downtown to Elmira, New York, Harrisburg, New York City, and Philadelphia. Local bus service within Williamsport and to other places in Lycoming County is offered by River Valley Transit.
Williamsport is served by several major highways, including Interstate 180, U.S. Route 15, and U.S. Route 220. I-180 and US 220 run together northeast/southwest through Williamsport, and US 15 joins (in the opposite direction) for two miles. Once completed, Interstate 99 will enter Williamsport from the southwest on US 220 and continue north on US 15, joining only one at a time.
There is no passenger rail service, but, until the mid-20th century, Williamsport was a major transfer point between the Pennsylvania Railroad (PRR), Reading Railroad (to Jersey City and Philadelphia), and New York Central Railroad (to Lyons, NY via Corning). (Albeit, the NYC and the Reading were at one station; and the PRR was at another station, a mile away.) The longest enduring were PRR passenger services to New York City, Buffalo, Harrisburg, Washington, D.C., and Philadelphia (the Buffalo Day Express and the Dominion Express to the north and the Washington Express and Dominion Express to the south); and to Erie (Northern Express bound west, and Southern Express bound south and east). Freight rail service (west to Avis and east to Muncy) is provided by the Lycoming Valley Railroad, which has its main yard in the Newberry section of Williamsport, and offers connections to the Norfolk Southern and Canadian Pacific railroads.
The West Branch Susquehanna River is not navigable, but a dam at Hepburn Street provides a large lake for recreational boating, including outings on the mock paddlewheeler Hiawatha from Susquehanna State Park.
The Williamsport Crosscutters, a collegiate summer baseball team of the MLB Draft League, play their home games at Bowman Field. Each year, the field also hosts the MLB Little League Classic.
The Little League World Series is held annually on the south side of the West Branch Susquehanna River in South Williamsport, where Little League Baseball now has its headquarters.
The Susquehanna 500 Mini Indy Gokart Racing Series was held annually in Brandon Park. During the 2014 race, a fatal crash involving one of the go-kart operators marked the end to the yearly tradition.
Local newspapers include the Williamsport Sun Gazette, Webb Weekly and The Williamsport Guardian.
The local news/talk radio stations are WRAK/WRKK (1400/1200 kHz), WWPA 1340 kHz and WXPI Community Radio 88.5 FM. Williamsport has an all-sports station, ESPN (AM) (1500 kHz). Williamsport is ranked #260 by Arbitron in terms of its radio market.
TV stations in Williamsport are served by the Scranton/Wilkes-Barre market.
A new multiplex movie theater on West 4th Street, opened May 2, 2008.
Notes
References
Further reading
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