Cheapest Owner Operators Truck Insurance Cost Hialeah, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Hialeah, Florida. 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 Hialeah, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Hialeah, Florida 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.
Hialeah ( HY-ə-LEE-ə; American Spanish: [xaʝaˈli.a]) is a city in Miami-Dade County, Florida, United States. With a population of 223,109 as of the 2020 census, Hialeah is the sixth-largest city in Florida. It is the second largest city by population in the Miami metropolitan area, which was home to an estimated 6,198,782 people at the 2018 census. It is located west-northwest of Miami, and is one of a few places in the county—others being Homestead, Miami Beach, Surfside, Bal Harbour, Sunny Isles Beach, and Golden Beach—to have its own street grid numbered separately from the rest of the county (which is otherwise based on Miami Avenue at Flagler Street in Downtown Miami, the county seat).
The city is notable for its high Hispanic proportion, which at 94.0%, is the second-highest proportion of Hispanic Americans out of any community in the United States outside of Puerto Rico, and the highest proportion among incorporated communities outside of Puerto Rico. Hialeah also has the highest percentage of Cuban and Cuban American residents of any city in the United States, at 73.37% of the population, making them a typical and prominent feature of the city’s culture.
Hialeah also has one of the largest Spanish-speaking communities in the country. In 2016, 96.3% of residents reported speaking Spanish at home, and the language is an important part of daily life in the city.
Hialeah is served by the Miami Metrorail at Okeechobee, Hialeah, and Tri-Rail/Metrorail Transfer stations. The Okeechobee and Hialeah stations serve primarily as park-and-ride commuter stations to commuters and residents going into Downtown Miami, and Tri-Rail station to Miami International Airport and north to West Palm Beach.
The city’s name is most commonly attributed to Muskogee origin, “Haiyakpo” (prairie) and “hili” (pretty) combining in “Hialeah” to mean “pretty prairie”. Alternatively, the word is of Seminole origin meaning “Upland Prairie”. The city is located upon a large prairie between Biscayne Bay and the Everglades.
This “high prairie” caught the eye of pioneer aviator Glenn Curtiss and Missouri cattleman James H. Bright in 1921. Together, they developed not only the town of Hialeah but also Hialeah Park Race Track. In 1921, the first plat was drawn up, and the town was named.
In the early “Roaring ’20s”, Hialeah produced significant entertainment contributions. Sporting included the Spanish sport of jai alai and greyhound racing, and media included silent movies like D.W. Griffith’s The White Rose which was made at the Miami Movie Studios located in Hialeah. However, the 1926 Miami hurricane brought many of these activities to an end.
In the years since its incorporation in 1925, many historical events and people have been associated with Hialeah. The opening of the horse racing course at Hialeah Park Race Track in 1925 (which was nicknamed the “Grand Dame”) received more coverage in the Miami media than any other sporting event in the history of Dade County up to that time and since then there have been countless horse racing histories played out at the world-famous 220-acre (0.89 km2) park. It was considered one of the most grand thoroughbred horse racing parks with its majestic Mediterranean style architecture and was considered the Jewel of Hialeah at the time.
The park’s grandeur has attracted millions, included among them are names known around the world such as the Kennedy family, Harry Truman, General Omar Bradley, Winston Churchill, and J.P. Morgan. The Hialeah Park Race Track also holds the dual distinction of being an Audubon Bird Sanctuary due to its famous pink flamingos and being listed on the National Register of Historic Places. The famous aviator Amelia Earhart in 1937 said her final good-byes to the continental U.S. from Hialeah as she left on her ill-fated flight around the world in 1937.
While Hialeah was once envisioned as a playground for the elite, Cuban exiles fleeing Fidel Castro’s 1959 revolution, as well as World War II veterans and city planners, transformed the city into a working-class community. Hialeah historian Patricia Fernández-Kelly explained, “It became an affordable Eden.” She further describes the city as “a place where different groups have left their imprint while trying to create a sample of what life should be like.” Several waves of Cuban exiles, starting after the Cuban Revolution in 1959 and continuing through to the Freedom Flights from 1965 to 1973, the Mariel boatlift in 1980, and the Balseros or boat people of the late 1990s, created what at least one expert has considered the most economically successful immigrant enclave in U.S. history as Hialeah is the only American industrial city that continues to grow.
From a population of 1,500 in 1925, Hialeah has grown faster than most of the 10 larger cities in the state of Florida since the 1960s and holds the rank of Florida’s fifth-largest city, with more than 224,000 residents. The city is also one of the largest employers in Dade County.
In January 2009, Forbes magazine listed Hialeah as one of the most boring cities in the United States, citing the city’s large population and anonymity in the national media.
Hialeah is located at 25°51′38″N 80°17′38″W / 25.86056°N 80.29389°W (25.860474, –80.293971).
According to the United States Census Bureau, the city has a total area of 19.7 square miles (51 km). 19.2 square miles (50 km2) of it is land and 0.5 square miles (1.3 km) of it (2.53%) is water.
According to the Köppen climate classification, Hialeah as a tropical monsoon climate (Am).
As of the 2020 United States census, there were 223,109 people, 75,989 households, and 54,646 families residing in the city.
In this census, the majority of people (about 58%) reported they were of mixed race. For those who reported only a single race for themselves:
Of those reporting they were of mixed race, 129,168 (58%) said they were of two races, 796 (<1%) said they were of three races, 105 said they were of four races and 17 said they were of five races. The conclusion that can be reached based on this primary data is that the population is extremely ethnically diverse and there is not a majority ethnicity represented. The majority of people who reported they were of one ethnicity reported they were white, but this represented less than 1/3 of the overall population.
Hialeah is the tenth-largest city in the United States among cities with a population density of more than 10,000 people per square mile.
As of 2010, there were 74,067 households, with 3.9% being vacant. As of 2000, 36.2% had children under the age of 18 living with them, 57.4% were married couples living together, 17.4% had a female householder with no husband present, and 18.7% were non-families. 14.7% of all households were made up of individuals, and 7.8% had someone living alone who was 65 years of age or older. The average household size was 3.15 and the average family size was 3.39.
In 2015 through 2016 the population in Hialeah grew from 234,714 to 235,626, a 0.4% increase. The median household income grew from $29,249 to $29,817, a 1.9% increase.
In 2000, the age distribution of the population showed 23.0% under the age of 18, 8.2% from 18 to 24, 29.4% from 25 to 44, 22.9% from 45 to 64, and 16.6% who were 65 years of age or older. The median age was 43.5 years. For every 100 females, there were 92.7 males. For every 100 females age 18 and over, there were 89.6 males.
In 2000, the median income for a household in the city was $29,492, and the median income for a family was $31,621. Males had a median income of $23,133 versus $17,886 for females. The per capita income for the city was $12,402. About 16.0% of families and 18.6% of the population were below the poverty line, including 22.2% of those under age 18 and 22.4% of those age 65 or over.
Hialeah ranks #2 (nearby Hialeah Gardens ranks as #1) in the list of cities in the United States where Spanish is most spoken. As of 2000, 92.14% of the population spoke Spanish at home, while those who spoke only English made up 7.37% of the population. All other languages spoken were below 1% of the population.
The city of Hialeah is a commercial center in Miami-Dade County. The city is host to many national retailers.
Hialeah is also home to vibrant community of mom-and-pop stores. These shops have successfully competed against national name brand retailers, outfitters, and franchises. In order to remain competitive national businesses have altered their traditional business strategy to meet the demands of the local community. Supermarkets operate on the city’s main streets including those which cater to Latin American and Hispanic clientele.
While most of the manufacturing and cloth industries that made Hialeah an industrial city in the 1970s–1980s have disappeared, new electronics and technology businesses have reinvigorated the local economy. Westland Mall contains over 100 stores and several restaurants. Telemundo, the second largest Spanish-language TV network in the United States, was headquartered at 2340 West 8th Avenue in Hialeah until 2018.
In March 2009, it was announced that a $40–$90 million restoration project was set to begin within the year on the Hialeah Park Race Track. On May 7, 2009 the Florida legislature agreed to a deal with the Seminole Tribe of Florida that allowed Hialeah Park to operate slot machines and run Quarter Horse races. The historic racetrack reopened on November 28, 2009 but only for Quarter Horse races. The park installed slot machines in January 2010 as part of a deal to allow for two calendar seasons of racing. The races went on all the way until February 2, 2010. Only a portion of the park has been restored, and an additional $30 million will be needed to complete this first phase of the project. The full transformation is expected to cost $1 billion since the plan includes a complete redevelopment of the surrounding area including the construction of an entertainment complex to include a hotel, restaurants, casinos, stores and a theater. In June 2010 concerns were raised over the preservation of Hialeah Park’s historical status, as the planned development threatens to hurt Hialeah Park’s status as a National Historic Landmark.
The City of Hialeah is home to three tennis centers, five public swimming pools and aquatic centers, and more than 14 public parks totaling more than 100 acres (0.40 km) combined. Milander Park features a municipal auditorium and a 10,000 seat football stadium.
Amelia Earhart Park also serves the Hialeah community. Located just south of the Opa Locka Airport, the park consists of 515 acres, including a five-acre Bark Park for dogs. It offers a variety of amenities, programs and activities including mountain biking, soccer, Tom Sawyer’s Play Island and Bill Graham Farm Village. It also houses the new Miami Watersports Complex, which offers cable and boat wakeboarding, waterskiing, wake surfing, kneeboarding and paddleboarding.
The University of Florida College of Dentistry operates the Hialeah Dental Clinic. It opened in 1997 to serve Hispanic populations in South Florida.
Hialeah is located within Florida’s 26th Congressional District. It is currently represented in the House of Representatives by Mario Díaz-Balart, a Republican. A 2005 study by the nonpartisan Bay Area Center for Voting Research (BACVR) ranked Hialeah, Florida as the fourth most conservative city in the United States. The current mayor of Hialeah is Esteban Bovo.
Due to the heavy presence of the Cuban American community Hialeah traditionally, as of 2020, leaned towards Republican politics. In the 2016 United States presidential election in Florida each of the two major candidates received about half of the vote. For the 2020 United States presidential election in Florida about two thirds of residents of Hialeah voted for Trump.
Miami-Dade County Public Schools serves Hialeah.
Two high schools serving the Hialeah community, Mater Academy Charter High School and Miami Lakes Tech, were named as “Silver” award winners in U.S. News & World Report‘s “Best High Schools 2008 Search”.
Hialeah’s public library was founded in 1924, one year prior to the incorporation of the city. While over the years the county-wide Miami-Dade Public Library System has taken over the libraries of most of the cities in the county, Hialeah public libraries function independently from the county-wide system.
The first branch was a donation by the Hialeah Women’s Club. It was actually located in the house of one of the Hialeah Women’s Club’s home. The home of Ms. J Sommers Garwood. The club was founded by Ms. Lua Adams Curtiss, who was the late mother of the famous aviator Glenn Curtiss. The club asked for donations to get the library started and was fortunate enough to receive enough to get the system started. The latest branch, John F. Kennedy Library is now the main library for Hialeah and is easily recognizable for its grand murals. In 2017, the branch set out to renovate the entire library and they added new furniture, the art murals, polished terrazzo floors, and new sculptures. The library hosts a print collection, digital resources, and a Hialeah History Collection which collects, preserves and provides access to information about the City of Hialeah’s history.
In 2013, Hialeah was named a top five city with the worst drivers by Slate and Allstate.
Hialeah is served by Miami-Dade Transit along major thoroughfares by Metrobus, and by the Miami Metrorail, Tri-Rail, and Amtrak at:
Metrorail:
Tri-Rail:
Amtrak:
“All Ways Lead to Hialeah” was one of the city’s first slogans. At the time, Glenn Curtiss and James Bright could not have imagined the important link in the transportation chain provided by Hialeah’s location. Sitting in the heart of northwest Dade, Hialeah has access to several major thoroughfares, linked by: