Owner Operators Truck Insurance Beulah Heights, Virginia

Owner Operators Truck Insurance Quotes

Finding the right solution for your owner operator truck insurance is our goal at JDW Truckers Insurance. We are able to shop and compare quotes from our large network of the top rated commercial truck insurance companies to help you find the correct policy which will allow you to haul the cargo you want and need to in order to run a successful trucking company. And we help you find the most affordable owner operator truck insurance which will fit into your budget. Talk to us to today. We are here to discuss and explain the different commercial truck insurance options you may need or are required to have in place.

• Auto liability
• General liability
• Motor Truck Cargo
• Physical damage
• Excess liability
• Non-owned trailer
• Trailer interchange

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Small Fleet Truck Insurance Quotes

Our small fleet truck insurance discounted pricing starts with 3 power units for our small fleet truck insurance. We can request quotes on the behalf of our clients from our large list of commercial truck insurance companies. Our carriers all have a AM Best Rating of A – or better. It is important to be insured by a reputable insurance carrier when insuring your small fleet. You want to be insured by a carrier who your shippers will work with and one with the financial stability to handle claims if needed. Get your small fleet truck insurance quotes for free with no obligation to buy. We have a very simple process to let you know quickly how we can help you save money on your commercial truck insurance rates and get an affordable policy in place with the correct coverages.

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New Authority Truck Insurance Quotes

Getting your new authority truck insurance in place can be confusing to decide on which is the best commercial truck insurance company to insure your new venture into the trucking world. And this process can be stressful. JDW Truckers Insurance takes the time to help you understand your requirements you will need on your insurance policy to operate your new authority successfully. You want to be approved by the FMCSA to haul loads and you want to be insured by a carrier with a good AM Best Rating your shippers will accept. We go beyond just selling your new authority truck insurance policy. We answer your questions upfront.

• Auto liability
• General liability
• Motor Truck Cargo
• Physical damage
• Excess liability
• Non-owned trailer
• Trailer interchange

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Hazardous Materials & Hazardous Waste Haulers Coverages: • Auto Liability • Auto Physical Damage • Excess over Primary • Motor Truck Cargo • Commercial General Liability (CGL) for truckers Available Terms: $1,000,000 CSL Excess Auto limits up to $5,000,000 excess of $1,000,000 CGL / Products Pollution Coverages: • Commercial General Liability (CGL) • Products Pollution • Environmental Impairment Liability (EIL) • Contractors Pollution Liability (CPL) • Commercial Excess Liability (Umbrella) $10M excess of $1M

UIIA Insurance Companies

Having the correct UIIA endorsements will allow you to work the ports and rails.

• Auto Liability – $1,000,000 limit with excess up to $5,000,000.
• General Liability – $1,000,000 limit with excess up to $5,000,000
• Trailer Interchange Agreement – from $20,000 with excess up to $100,000.
• Broad Cargo Coverage – limits up to $1,000,000.
• Non Trucking Liability – up to $1,000,000 written on policy as needed.
• Terminal and Container Yard Coverage – $100,000 limit with excess up to $5,000,000.
• Warehouseman’s Liability – $2,000,000 with excess up to $10,000,000.
• UIIA Intermodal Hazmat Coverages

Make sure to work with an trucking insurance agency who knows the UIIA insurance requirements and can get you insured with an insurance company who offers all the UIIA insurance requirements. The above is an overview but there are more requirements which you may have to meet to work with the Equipment Providers (EP) on the UIIA. At JDW Truck Insurance we can login into the UIIA web portal and help you get your UIIA insurance policy setup correctly.

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• A standard additional insured coverage at no additional cost ✓ • Manuscript endorsements available to address unique coverage needs ✓ • No radius restrictions ✓ • Single deductible for physical damage and cargo coverages at no additional charge ✓ • Downtime coverage automatically included ✓ • No coinsurance provision ✓ • A blanket additional insured endorsement to assist in shipping contracts and terminal access agreements ✓  

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Motor Truck Cargo 

• Coverage for removal expenses to extract pollutants caused by a covered cargo loss (up to $10,000 in pollution cleanup) ✓ • Coverage includes earned freight charges, alcohol, consumer electronics, owned goods, wet loads, mysterious disappearance, refrigeration breakdown (including driver error), and losses that occur during loading and unloading (excluding rigging, hoisting, erecting, installing, or dismantling operations) ✓ • No coinsurance penalty, no tarped load or locked vehicle warranties, no exclusion for unattended theft, and no increased deductibles for specific types of losses ✓ • Increased limits available for specific shippers or commodities ✓ • Cargo expenses incurred to reduce or eliminate loss are not subject to a deductible ✓ • Reefer breakdown losses do not have a separate deductible ✓ • Willing to do trip endorsements to provide additional limits by trip or commodity ✓

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 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.

Your Cargo coverage can be one of the most important factors as to which commercial truck insurance companies will offer the best commercial truck insurance rates.

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Auto Liability Insurance for Trucking

  • Coverage for misdelivery of dry, gaseous, or liquid commodities ✓ • No exclusion for punitive damages ✓ • Pollution coverage included in auto liability coverage form ✓ • Defense coverage provided in addition to policy limits ✓

Auto Liability Insurance

Your auto liability insurance is your primary liability which gets you authorized by the FMCAS and shippers to haul loads. Normally the coverage is set at $1,000,000 and higher is some cases. We can help you get the correct amount of primary liability coverage in place at affordable rates.

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Physical Damage Insurance

• Automatic coverage for newly acquired vehicles during policy term ✓ • Coverage for towing charges in addition to policy limits ✓ • Lease value or finance value coverage available for gap between actual cash value and loan value/lease value payoff ✓ • Hired auto physical damage (bailee) coverage vs. trailer interchange (no written agreement required, covers all equipment types) ✓ • No physical damage restrictions for stainless steel or insulated tankers ✓

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. The bank or leasing company may have a minimum deductible you can have on your physical damage policy.

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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.

General liability insurance for truckers is a type of insurance that protects truckers and their businesses from financial losses that may occur as a result of accidents, injuries, or property damage. This type of insurance can be essential for truckers, as it can help to cover the costs of legal fees, medical bills, and property damage repairs. There are a number of different things that general liability insurance for truckers can cover, including:

• Bodily injury liability: This coverage pays for the medical expenses and other costs associated with injuries that are caused by the trucker or their business.
• Property damage liability: This coverage pays for the cost of repairing or replacing property that is damaged by the trucker or their business.
• Advertising injury liability: This coverage pays for the cost of defending against lawsuits that are filed against the trucker or their business for things like libel, slander, or copyright infringement.
• Medical payments coverage: This coverage pays for the medical expenses of people who are injured in an accident that is caused by the trucker or their business.
• Damage to premises rented to you: This coverage pays for the cost of repairing or replacing property that is damaged by the trucker or their business while it is being rented to them.

General liability insurance for truckers is an important type of insurance that can help to protect truckers and their businesses from financial losses. If you are a trucker, it is important to talk to your insurance agent about getting this type of insurance. Here are some of the benefits of having general liability insurance for truckers:

• It can help to protect you from financial losses that may occur as a result of an accident, injury, or property damage.
• It can help to cover the costs of legal fees, medical bills, and property damage repairs.
• It can help to protect your business’s reputation.
• It can help to make it easier to get financing for your business.

If you are a trucker, it is important to talk to your insurance agent about getting general liability insurance. This type of insurance can help to protect you and your business from financial losses.

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No-Owned or Trailer Interchange Insurance

Knowing if you are required to carry non-owned trailer insurance or trailer interchange is important to know. Each can cover different requirements you may need to work with the different brokers and shippers.

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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.

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• Towing for mechanical breakdown ✓ • Diminishing deductible ✓ • Electronic equipment coverage ✓ • Personal property coverage ✓ • Miscellaneous equipment coverage ✓ • Rental reimbursement ✓ • Emergency expenses ✓

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Flexible payment plans including monthly reporting options based on mileage, units, revenue, or values (for qualifying accounts) ✓ • No minimum premium on reporting policy payment plans ✓ • Risk sharing programs for qualifying fleet accounts (self-insured retentions, large deductible programs, and single parent and group captive options) ✓ • Excess and umbrella coverage for greater asset protection ✓

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Financing for Truck Insurance

  • Installment pay plans ✓ • Direct bill plans with multiple payment methods, including check, EFT, credit/debit cards ✓ • In many cases there are no financing fees which can help reduce your monthly payments and help you maintain more operating capital in the bank.

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• Superior claims service: In-house adjusters handle all claims (We may use qualified independent adjusters when needed, but each claim is overseen by our in-house adjuster) ✓ • Adjusters available via toll-free 800 number 24 hours a day, 7 days a week, 365 days a year ✓ • Adjusters who specialize in commercial auto liability, physical damage, and cargo coverage ✓ • Ability to visit the scene of serious accidents using corporate aircraft ✓ • Access to real-time claims info, driver, and equipment management via Insured Portal ✓

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• Regionally-based loss control staff with strong truck safety knowledge and expertise ✓ • Invitation-only leadership symposiums with speakers that address the latest trucking industry trends, methods to increase the bottom line, and strategies to increase operational efficiency ✓ • Safety management and loss prevention resources, help with DOT compliance, periodic educational seminars, and driver training ✓ • Frequent webinars on risk management strategies, loss control trends, and issues impacting the trucking industry ✓ • Free safety management and driver training materials such as videos, manuals, and bulletins; JJ Keller product discounts are also available ✓ • Access to our Loss Analysis Tool, a robust claims frequency and severity trending tool ✓ • Safety recognition and incentive programs for insureds’ employees ✓ • Periodic newsletters and brochures with industry news, tips, and advice provided to insureds at no charge ✓ • Safety Road Map program to help growing fleets learn how to maximize profits by minimizing and mitigating losses ✓

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Choose the Right Agent

When choosing the agent, you want to represent you to the insurance companies. Pick an agent that is trained in commercial truck insurance. And make sure the agent you choose to work with is there when you need them. Our agents are trained in commercial truck insurance and are easy to contact. Email, phone call or text message. We respond quickly to our clients.

Certificate of Insurance

Not being able to get a quick COI could cost you money by not being able to pick up a load for the lack of a COI. Our clients at JDW Truckers Insurance are given access to our COI Portal where they can issue a COI 24/7 free of charge.

FMCSA Federal Filings

JDW will help you get in place very quickly the federal filings you are required to have in Ohio in order to be authorized by the FMCAS. And to be able to haul for the shipper you want to haul for in order to run a successful trucking company.

Insurance Companies Customer Service

Not only should you choose a responsive agent, but you will want to be insured by a commercial insurance company who also responds to your requests and are there to help you in case of a claim or endorsements.

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Being insured by the top-rated commercial truck insurance companies is important for several reasons. We are happy to discuss this further with you. Some of our list of commercial truck insurance companies.

1. Knight
2. Trisura
3. Berkley Prime
4. Falls Lake
5. Progressive
6. Travelers
7. Seneca
8. Great Lakes
9. Allied World
10. Allianz
11. Ace Hazmat
12. ACE Fleet
13. United Specialty
14. Hudson Fleet
15. Markel
16. Chubb
17. Tokio Marine
18. National General
19. Lexington
20. AIG
21. Great American
22. ACE / Westchester
23. NICO
24. National Casualty / Nationwide
25. Scottsdale Brokerage
26. IAT
27. Crum Forster
28. Canal
29. Northland
30. USLI
31. James River
32. IFG – Burlington
33. Penn-America
34. Century
35. Hallmark
36. Carolina Casualty
37. Protective

This list is subject to change.

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• Assistance to recover costs incurred when another party is responsible for the accident (i.e., downtime and deductibles) ✓

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Coverages can vary state to state.

Text or call Joe at 843-849-4929

We are happy to answer any questions you may have about commercial trucking insurance.

Free Self Service COI’s – 24/7 – Never miss a load for not having a COI

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We welcome questions about trucking insurance. To send us a questions by email click here. Or you can text us your DOT # to 843-849-4929.

FMCSA Federal Filings and State Filings

We help you get the correct FMCSA federal filings in place so you can get authorized to haul.

• Interstate trucking
• Hauling hazardous cargo (placard)
• For-hire trucking (common, contract)
• ICC
• MCS90
• Form E
• Form H
• SR22
• FR44