Cheapest Owner Operators Truck Insurance Cost Lauderhill, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Lauderhill, 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 Lauderhill, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Lauderhill, 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.
Lauderhill is a city in Broward County, Florida, United States. It is a principal city of the Miami metropolitan area. As of the 2020 census, the city’s population was 74,482.
The development that eventually came to be known as Lauderhill was originally to be named “Sunnydale”, but William Safire, a friend of the developer, Herbert Sadkin, convinced him to change his mind. Safire felt that “Sunnydale” sounded like a neighborhood in Brooklyn. Sadkin said there were no hills in the new town, to which Safire replied, “There are probably no dales in Lauderdale, either!” From that discussion, the name “Lauderhill” was coined. The development eventually grew to become Lauderhill, the city.
Lauderhill was one of two developments (the other in New York) that began largely as off-the-shelf architectural designs which had been available to the public at Macy’s department store. The homes, which had been designed by Andrew Geller, had originally been on display at the “Typical American Houses” at the American Exhibition in Moscow. Following a group of approximately 200 of the homes constructed in Montauk, New York in 1963 and 1964, the same developer, Herbert Sadkin of the New York-based All-State Properties reprised his success in New York, building a series of similar homes in Florida, calling the development Lauderhill.
In 2003, the New York Times described the Macy’s homes:
The Inverrary Country Club was built in 1970, and two years later, its East golf course became home to the new Jackie Gleason Inverrary Classic on the PGA Tour, which it hosted through 1983. Gleason himself built his final home on the golf course.
Up until the late 1980s-early 1990s, Lauderhill was mostly a retirement community for Jews and a second home for snowbirds (especially in the Inverrary neighborhood). It is now home to mostly Jamaicans, West Indians, and African Americans, but it still has a sizeable white, Jewish, and Hispanic population in the Northwest section and the Inverrary neighborhood, located north of Oakland Park Boulevard and east of University Drive).
Lauderhill is located in north-central Broward County.
The city borders the following municipalities:
According to the United States Census Bureau, the city has a total area of 8.6 square miles (22.2 km), of which 8.5 square miles (22.1 km) is land and 0.04 square miles (0.1 km) is water (0.37%).
As of the 2020 United States census, there were 74,482 people, 24,628 households, and 15,282 families residing in the city.
Lauderhill has a high foreign-born population, with a noticeable proportion from the West Indies. In 2000, 33.65% of Lauderhill’s population was born outside of the United States (24.63% were born in the Caribbean, and 14.73% from Jamaica alone). Other major West Indian populations were born in Haiti, Trinidad and Tobago, Grenada, Dominica, The Bahamas, Guyana, U.S. Virgin Islands, and other Caribbean nations.
As of 2000, 31.8% had children under the age of 18 living with them, 37.4% were married couples living together, 20.1% had a female householder with no husband present, and 37.4% were non-families. 31.0% of all households were made up of individuals, and 13.6% had someone living alone who was 65 years of age or older. The average household size was 2.49 and the average family size was 3.12.
As of 2000, in the city the population was spread out, with 26.6% under the age of 18, 8.7% from 18 to 24, 30.3% from 25 to 44, 18.3% from 45 to 64, and 16.1% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 84.5 males. For every 100 females age 18 and over, there were 78.0 males.
In 2000, the median income for a household in the city was $32,515, and the median income for a family was $36,723. Males had a median income of $29,756 versus $25,167 for females. The per capita income for the city was $17,243. About 15.5% of families and 17.8% of the population were below the poverty line, including 25.0% of those under age 18 and 13.1% of those age 65 or over.
In 2000, English was the sole home language of 79.14% of the population. Haitian Creole was spoken at home by 7.85% of residents, Spanish by 6.92%, French by 2.69%, Yiddish by 0.59%, and Hebrew by 0.45% of residents.
As of 2000, Lauderhill had the highest percentage of residents of Jamaican ancestry in the United States, at 20.11% of the city’s population, and the percentage of Haitian residents in the United States, at 12.9% of the city’s population
On November 9, 2007, in the Central Broward Park, the Main Event cricket field, owned by Broward County, was opened.
On May 22, 2010, it became the first ground to host an international between two full members of the ICC (New Zealand and Sri Lanka) on U.S. soil after the games’ World governing body gave its certification. The West Indies cricket team, who are the nearest premier cricketing region, have played there the most times.
The park features many other sports venues as well.
Broward County Public Schools operates public schools.
Elementary schools in the Lauderhill city limits include:
Students in other sections of Lauderhill are zoned to the following elementary schools: Banyan (Sunrise), Discovery (Sunrise), Park Lakes (Lauderdale Lakes), Plantation (Sunrise), and Village (Sunrise).
Middle schools with attendance zones serving Lauderhill include:
High schools with attendance zones serving Lauderhill include:
A section of Lauderhill has a choice between Anderson and Piper. Lauderhill 6–12’s high school program has no zoning boundary per se, but people who live in the middle school boundary have priority for admission. While Millennium’s high school has no boundary, previous Millennium Middle students have priority for admission.
Charter schools include Rise Academy and Rise Academy II.
