Cheapest Owner Operators Truck Insurance Cost Largo, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Largo, 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 Largo, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Largo, 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.
Largo is the third largest city in Pinellas County, Florida, United States, as well as the fourth largest in the Tampa Bay area. As of the 2020 Census, the city had a population of 82,500, up from 69,371 in 2000.
Largo was first incorporated in 1905. In 1913, it became the first municipality in Pinellas County to adopt a council-manager government. It switched back and forth from “town” to “city” a few times, and became a city again in 1974. It was an exporter of agricultural products until the 1960s population growth began to transform it into a bedroom community. From 1905 to 2010, Largo grew in area from 9⁄16 square mile (1.5 km) to about 19 square miles (48 km), and in population from about 300 people to more than 70,000. Largo began as a rural farming community and became the third largest city in Florida’s most densely populated county.
Largo is a sister city to Tosayamada, Kōchi, Japan, and has been named a National Arbor Day Tree City for 32 years in a row.
The native inhabitants of the Largo area were the Tocobaga Indians. They are also known as the Safety Harbor culture from their archeological remains near present-day Safety Harbor. The Spanish came to Florida in the 16th century. In the 18th century, the Tocobaga had been virtually destroyed after years of exposure to European diseases, Spanish settlement efforts and warfare between Spain and England. The Largo area, like the rest of Pinellas County, was largely deserted. In 1763, Spain transferred sovereignty of Florida to The United Kingdom. In 1783, Florida fell to Spanish sovereignty once again until it was transferred to the United States in 1821. By 1845, a surveyor recorded the location of Lake Tolulu, apparently south of present-day East Bay Drive and roughly where the Largo Central Park Nature Preserve is today.
Later, homesteaders to the Largo area were the families of James and Daniel McMullen around 1852. The McMullens and other settlers raised cattle, grew citrus and vegetables and fished. During the Civil War, many Largo area residents fought for the Confederate States of America. James and Daniel McMullen were members of the “Cow Cavalry” driving Florida cattle to Georgia and the Carolinas to help sustain the war effort. Other area residents served on blockade runners. Still others left the area to serve in the Confederacy’s armies. After the war, Largo area residents returned to farming, ranching, and raising citrus. The Orange Belt Railway reached the area in 1888. By this time Lake Tolulu had been renamed Lake Largo, and residents of the community west of the lake adopted the name “Largo”.
The Town of Largo was incorporated in 1905. Lake Largo was drained in 1916 to make way for growth and development. Between 1910 and 1930, Largo’s population increased about 500%. Then and for decades afterwards, Largo’s economy was based on agriculture—citrus groves, cattle ranches, and hog farms, as well as turpentine stills and sawmills. Largo is best remembered as “Citrus City”, from the time it was a citrus packing, canning and shipping center.
The Great Depression was difficult for Largo. Largo lacked the financial resources to meet its obligations. Largo reverted to its 1913 boundaries and charter. The population dropped approximately 30%. The debt incurred by the issuance of bonds in the late 1920s was not paid off until after World War II.
The years after World War II saw rapid growth as people began moving into the area and Largo annexed surrounding lands. During the nuclear arms race, electronics companies like General Electric and Honeywell boosted the economy. The population increased to about 5,000 in 1960, to about 20,000 in 1970, and to about 70,000 in 2005. Largo’s original area was 9/16th of a square mile. By 1982, Largo had grown to about 13 square miles (34 km) and to about 19 square miles (48 km) in 2010. The groves, farms, ranches and forests have mostly given way to homes and shopping centers and light industry. The increased population resulted in a need for increased city services. All departments saw rapid growth and improvements in quality, especially under the leadership of the late Mayor Thom Feaster. In 1995, Largo Central Park opened on the site of the old Pinellas County Fairgrounds. It is the setting for the Largo Central Park Performing Arts Center and the Largo Public Library.
In the 2006 commission elections, Largo achieved two milestones furthering its former motto of “City of Progress”. Democrat Patricia Gerard became the city’s first female mayor. She narrowly defeated incumbent mayor Robert E. Jackson in a bitterly contested race. (Dr. Jackson had been the longest serving elected Democrat in Pinellas County.) The voters’ choice between these two candidates decided the major issue of the election: that the city would not revert to a mayor-dominated process of governance in lieu of the continuing role for the seven-member commission acting as non-partisans—that is, deliberating independently and equally with the mayor and deciding democratically the political issues of the city.
Also, the city elected its first commissioner of African-American descent, Rodney J. Woods, in a landslide against a former commissioner.
On August 24, 2009, the iconic Largo Clock Tower, which was constructed shortly after completion of Largo Central Park, was demolished. City officials made the change because of the tower’s decay and because a deteriorating landmark at a busy intersection was not an uplifting and memorable sight. The area surrounding the clock tower was replaced with a small garden area in order to incorporate the area into Largo Central Park.
Largo is located at 27°54′30″N 82°46′40″W / 27.90833°N 82.77778°W (27.908355, −82.777791). It is centrally located in Pinellas County, touching the Intracoastal Waterway to the southwest and Tampa Bay to the northeast. Clearwater is Largo’s neighbor to the north. To the northwest are the towns of Belleair and Belleair Bluffs. The city of Pinellas Park lies south of eastern Largo. Seminole lies south of western Largo. The unincorporated community of Ridgecrest forms a large enclave between western and central Largo. A number of county enclaves pepper the City of Largo.
In 2010, Largo’s total area was 18.6 square miles (48.1 km), of which 17.6 square miles (45.6 km) was land and 0.97 square miles (2.5 km), or 5.22%, was water. As of 2004, there were 651 acres (2.6 km) of park lands. The city’s lowest elevation is sea level. At its highest, the city’s elevation is about 69 feet (21 m). Largo is dotted with a number of lakes, the largest of which is Taylor Lake at 53 acres (210,000 m). Allen’s Creek drains northeast Largo, flowing into Tampa Bay. McKay Creek flows through southwest Largo into the Intracoastal Waterway. The McKay Creek basin is prone to flooding.
Largo is located on the Pinellas Peninsula, so that its climate is moderated by its proximity to the Gulf of Mexico and Tampa Bay. In the winter, temperatures are warmer on the Pinellas Peninsula than on mainland Florida. Winters are generally drier than the rest of the year. Most of the rainfall comes in the summer, when the sea breeze carries moisture from the Gulf inland. Largo’s record low is 22 °F (−6 °C), recorded on December 13, 1962. Largo’s record high is 100 °F (38 °C), recorded on July 5, 1995.
As of the census of 2010, there were 77, 648 people, 38,022 households, and 19,573 families residing in the city. The population density was 4,945.7 inhabitants per square mile (1,909.5/km). There were 46,859 housing units at an average density of 2,984.6 per square mile (1,152.4/km). The racial makeup of the city was 86.3% White, 5.6% African American, 0.3% Native American, 2.7% Asian, 0.2% Pacific Islander, 2.6% from other races, and 2.4% from two or more races. 9.0% of the population is Hispanic or Latino of any race.
There were 38,022 households, out of which 16.7% had children under the age of 18 living with them, 36.2% were married couples living together, 11.2% had a female householder with no husband present, and 48.5% were non-families. 39.6% of all households were made up of individuals, and 18.1% had someone living alone who was 65 years of age or older. The average household size was 2.02 and the average family size was 2.67.
In the city, the population was spread out, with 15.6% under the age of 18, 7.1% from 18 to 24, 22.6% from 25 to 44, 28.6% from 45 to 64, and 26.0% who were 65 years of age or older. The median age was 48.2 years.
As of the census of 2000, there were 69,371 people, 34,041 households, and 18,382 families residing in the city. The population density was 4,429.1 inhabitants per square mile (1,710.1/km). There were 40,261 housing units at an average density of 2,570.5 per square mile (992.5/km). The racial makeup of the city was 92.71% White, 2.69% African American, 0.34% Native American, 1.69% Asian, 0.08% Pacific Islander, 0.99% from other races, and 1.49% from two or more races. 4.18% of the population is Hispanic or Latino of any race.
There were 34,041 households, out of which 17.0% had children under the age of 18 living with them, 41.8% were married couples living together, 9.0% had a female householder with no husband present, and 46.0% were non-families. 38.5% of all households were made up of individuals, and 19.3% had someone living alone who was 65 years of age or older. The average household size was 1.99 and the average family size was 2.59.
In the city, the population was spread out, with 15.6% under the age of 18, 6.1% from 18 to 24, 25.1% from 25 to 44, 23.0% from 45 to 64, and 30.1% who were 65 years of age or older. The median age was 48 years. For every 100 females, there were 87.0 males. For every 100 females age 18 and over, there were 83.9 males.
The median income for a household in the city was $32,217, and the median income for a family was $41,523. Males had a median income of $30,186 versus $24,477 for females. The per capita income for the city was $20,848. About 6.0% of families and 9.1% of the population were below the poverty line, including 12.0% of those under age 18 and 8.6% of those age 65 or over.
The decline of agriculture with population growth beginning in the 1960s largely transformed Largo into a bedroom community. Electronics, though important, could not fill the gap left by agriculture. Other light manufacturers fill various niches. The vast majority of jobs in Largo are in services and in retail sales.
The healthcare industry continues to grow to meet the needs of an aging population. Hospitals are among the area’s strongest employers. Largo Medical Center, owned by the Hospital Corporation of America (HCA), was established in 1978; it consists of two separate campuses: its original campus near downtown Largo, and the former Sun Coast Hospital on Indian Rocks Road, which was renamed Largo Medical Center-Indian Rocks Campus after its acquisition by HCA.
At one time Largo was the headquarters of Eckerd Corporation.
According to the city’s 2018 Community Development Division, the top employers in the city are:
The Largo Public Library opened in 1916 in the basement of the Town Hall, with a collection of about 560 books. In 1968, a new location was opened to house 14,000 titles. In 1977, a new library was erected on 5 acres (2.0 ha) of donated land. Following an expansion in 1989, the library held 250,000 items. Largo Public Library’s current building was built in 2005.
The City of Largo is governed by a city commission of seven people elected at large to staggered, four-year terms. The mayor acts as a member and presiding officer of the commission. The commission’s role encompasses the setting of city policy, exercising those duties imposed by the charter and law. In so doing, the city commission executes the city’s powers by the passage of resolutions and ordinances. The commission appoints and directs the city manager]] and approves the city manager’s appointments for city attorney, assistant city manager, and city clerk.
The city manager directs the administration in governing and providing municipal services to Largo. The Administration Department includes the City Manager’s Office, the City Attorney’s Office, the City Clerk’s Office, the Communications and Marketing Office, the Office of Management and Budget, and the City Attorney.
The city manager is appointed by and answerable to the city commission as a whole. The City of Largo is unique in that a supermajority of commissioners is required to terminate the city manager. The city manager appoints and supervises all department directors, and with commission approval, appoints the assistant city manager, the city clerk, and the city attorney.
Pinellas County Schools operates primary and secondary schools. The school district’s administrative headquarters is located in Largo. Largo’s high school is Largo High, and its mascot is the razorback boar. They are called the Packers because of the influence of the citrus packing industry on the town, most notably, the packing plant of Senator John Taylor.
Largo’s middle school is Largo Middle.
Schiller International University’s main campus is in Largo.
St. Patricks Catholic School has a campus on Trotter Road in Largo, providing a private education for grades Pre-K–8th grade. Other private schools in the city include Veritas Academy.
Largo is served by two international airports, Tampa International Airport and St. Petersburg-Clearwater International Airport. St. Petersburg-Clearwater Airport is located about 6 miles (9.7 km) east of downtown. Tampa International Airport is located about 20 miles (32 km) east of downtown on the other side of Tampa Bay. The Pinellas Suncoast Transit Authority provides bus service throughout Pinellas County and express service to Tampa. State Roads 686 and 688 pass through Largo to connect with Interstate 275, which connects with I-75. US 19 and US 19 Alternate run north-to-south through Largo. A grid of county roads connects Largo with its neighbors.