Cheapest Owner Operators Truck Insurance Cost Lemon City, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Lemon City, 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 Lemon City, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Lemon City, 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.
Little Haiti (French: La Petite Haïti, Haitian Creole: Ti Ayiti), is a neighborhood of Miami, Florida, United States. It is known historically as Lemon City, Little River and Edison. It is home to Haitian immigrant residents, as well as residents from the rest of the Caribbean.
The area is characterized by its French–Creole designations, with its street life, restaurants, art galleries, dance, music, theatre performances, family owned enterprises, and other cultural activities.
A 13-foot bronze statue of General Toussaint L’Ouverture, the father of the Haitian Revolution, stands on N Miami Avenue and 62nd Street.”
The area now known as Little Haiti was previously called Lemon City for well over a century. Several people settled near Biscayne Bay north of the Miami River after the civil war, squatting on unclaimed land. Some of the squatters eventually applied for homestead grants for the land they were squatting on. By 1889 a community had formed, with a post office named “Motto”. “Lemon City” replaced “Motto” as the name of the community by 1893. A school had opened in 1890, and Lemon City also included several businesses and a newspaper, as well as port facilities on Biscayne Bay. With the extension of the Florida East Coast Railway to Miami in 1896, Miami quickly overshadowed Lemon City.
Viter Juste, a Haitian businessman, activist and community leader, came up with the name of Little Haiti. According to Jean-Claude Exulien, a retired professor of history and friend of Juste’s since 1977, Juste wrote an article in the Miami Herald in which he first referred to the neighborhood as “Little Port-au-Prince.” However, editors at the Miami Herald found the name, “Little Port-au-Prince,” too long, so the newspaper shortened the term in the headline to Little Haiti. Over the objections of various groups including historians, African-Americans and Bahamians, City of Miami commissioners in May 2016 voted in favor of designating Little Haiti as an official neighborhood with boundaries overlapping the historic Lemon City and Edison, which was founded by Bahamian immigrants before Miami existed.
The southern border is North (NW/NE) 54th Street, west to Interstate 95 and north along the Miami city boundary on North (NW/NE) 80th Street. It then goes back down along Northeast Second Avenue.
As of 2000, Little Haiti had a population of 29,128, with 9,368 households, and 6,181 families residing in the neighborhood. The median household income was $18,887.49. The racial makeup of the neighborhood was 64.92% Black or African American, 4.78% White (non-Hispanic), 14.74% was Hispanic or Latino of any race and 15.56% other races. The fastest growing group in the area is Hispanic.
The zip codes for the Little Haiti include 33127, 33137, 33138, and 33150. The area covers 3.456 square miles (8.95 km). As of 2000, there were 14,708 males and 15,357 females. The median age for males were 31.0 years old, while the median age for females were 33.8 years old. The average household size had 3.0 people, while the average family size had 3.7 members. The percentage of married-couple families (among all households) was 27.6%, while the percentage of married-couple families with children (among all households) was 13.8%, and the percentage of single-mother households (among all households) was 20.7%. 2.1% of the population were in nursing homes. The percentage of never-married males 15 years old and over was 21.7%, while the percentage of never-married females 15 years old and over was 22.0%.
Rooted in the Haitian immigrants that sought refuge here in the ’80s, today Little Haiti, has some Afro-Caribbean culture mixed with global trends. Restaurants in this area showcase a diversity and mix of tastes and settings.
Little Haiti’s main strip is NE 2nd Avenue. This region is “ripe for improvement” as one local activist in the area put it. Neighboring Wynwood and Design District have become popular arts and culture havens with streets lined with galleries and commercial art storefronts. The whole area, in just a handful of years, has been overtaken by an artistic energy and an appreciation for high-design and street-art.
With the development of Wynwood and the Design District and the increasing prices for space in those areas, Little Haiti, Lemon City and Little River have emerged as an arts haven.
The programming at the Little Haiti Cultural Center offers local community initiatives. Located next door, The Caribbean Marketplace was designed by Charles Harrison Pawley in the style of the typical Haitian gingerbread architecture.
Miami-Dade County Public Schools runs area public schools. Schools within Little Haiti include:
Miami-Dade Public Library System operates all area public libraries, including:
25°49′28″N 80°11′27″W / 25.824385°N 80.190711°W
