Cheapest Owner Operators Truck Insurance Cost Plant City, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Plant 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 Plant City, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Plant 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.
Plant City is an incorporated city in Hillsborough County, Florida, United States, approximately midway between Brandon and Lakeland along Interstate 4. The population was 39,764 at the 2020 census.
Despite many thinking it was named for flora grown at plant nurseries (especially vegetables and fruits, as well as tropical houseplants) in its subtropical Gulf Coast climate, it was named after prominent railroad developer Henry B. Plant (see Plant System). Plant City is known as the winter strawberry capital of the world and hosts the annual Florida Strawberry Festival in the late winter (usually in February or early March), which is attended by people from all over the United States as well as many people from around the world.
Plant City’s original name given during the middle 1800s was Ichepuckesassa (also known as Idasukshed) after the Indian village that once occupied the territory. Its name caused so much confusion that the city was renamed “Cork”, after the postmaster’s Irish hometown. It was finally given the name “Plant City” in commemoration of Henry B. Plant and his railroad, which significantly boosted the commerce in this primarily agricultural community by incorporating it with the South Florida Railroad.
Plant City was the spring training home of baseball’s Cincinnati Reds, who played exhibition games at Plant City Stadium from 1988 to 1997.
Plant City is located in northeastern Hillsborough County at 28°1′N 82°8′W / 28.017°N 82.133°W (28.0142, –82.1289). Interstate 4 runs through the northern part of the city, with access from Exits 17 through 25. I-4 leads east 12 miles (19 km) to Lakeland and west 23 miles (37 km) to Tampa. U.S. Route 92 is the main highway through the center of Plant City, running generally parallel to I-4. Florida State Road 39 crosses US 92 in the center of Plant City and leads north 15 miles (24 km) to Zephyrhills and south 6 miles (10 km) to Hopewell.
According to the United States Census Bureau, Plant City has a total area of 28.1 square miles (72.8 km), of which 27.2 square miles (70.4 km) are land and 0.93 square miles (2.4 km), or 3.31%, are water.
The city and its surrounding area are in the Southern Flatwoods ecological community as defined by the US Department of Agriculture. The region as a whole is noted for its sandy, infertile, and poorly drained soils. In and around Plant City, however, high organic matter content and scattered phosphate nodules make many of the soils more fertile than typical for the flatwoods.
Plant City, as does most of Florida, has a humid subtropical climate with humid and hot summers and warm, drier winters. Plant City is close to having a tropical climate since only one month (January) does not have a mean temperature over 64.4 °F (18.0 °C).
The Hillsborough County School District operates all public schools in Plant City.
The Quintilla Geer Bruton Memorial Library is located in Plant City and was built in 1960. It is a part of the Tampa-Hillsborough County Public Library Cooperative but is under the jurisdiction of the City of Plant City. There are 44,000 members as of 2014.
Bruton Memorial Library offers programs for children, young adults, and adults. Bruton Memorial Library also offers free access to multiple databases, tutoring websites, ebooks, emagazines, and movie streaming. Computers are available for use, as are laptops that can be used only within the library. A variety of activities and services are available to a variety of patrons, from book clubs to extensive workshops regarding the beginnings and upkeep of the cultivation of homes and gardens, as well as crafts available on Mondays and hobbyists convening for fabric arts like knitting or crocheting two Fridays a month. Crafts also extend to children and teens as well.
Wish Farms, the largest strawberry producer in Florida, has a large presence in Plant City.
As of the 2020 United States census, there were 39,764 people, 13,966 households, and 9,699 families residing in the city.
As of the census of 2000, there were 29,915 people, 10,849 households, and 7,843 families residing in the city. The population density was 1,321.9 inhabitants per square mile (510.4/km). There were 11,797 housing units at an average density of 521.3 per square mile (201.3/km). The racial makeup of the city was 71.67% White, 17.42% Hispanic or Latino of any race, 16.16% African American, 0.37% Native American, 0.89% Asian, 0.04% Pacific Islander, 9.10% from other races, and two or more races were 1.77% of the population.
There were 10,849 households, out of which 36.9% had children under the age of 18 living with them, 52.7% were married couples living together, 14.8% had a female householder with no husband present, and 27.7% were non-families. 22.9% of all households were made up of individuals, and 9.3% had someone living alone who was 65 years of age or older. The average household size was 2.73 and the average family size was 3.20.
In the city, the population was spread out, with 29.4% under the age of 18, 8.9% from 18 to 24, 29.1% from 25 to 44, 20.2% from 45 to 64, and 12.3% who were 65 years of age or older. The median age was 33 years. For every 100 females, there were 93.0 males. For every 100 females age 18 and over, there were 89.3 males.
The median income for a household in the city was $37,584, and the median income for a family was $43,328. Males had a median income of $33,417 versus $23,585 for females. The per capita income for the city was $18,815. About 11.3% of families and 14.7% of the population were below the poverty line, including 22.1% of those under age 18 and 13.3% of those age 65 or over.
Plant City Airport is a public-use airport located 2 miles (3.2 km) southwest of the central business district.
Plant City Union Depot served both the Atlantic Coast Line Railroad (ACL) and Seaboard Air Line Railroad even after their merger into the Seaboard Coast Line Railroad until passenger service ceased operations in 1971. It has been on the National Register of Historic Places since 1975. The east-west ACL tracks cross the north-south Seaboard tracks at a 90-degree angle at the southeast corner of the station, forming a diamond junction. Both tracks are now owned and run by Class 1 railroad CSX. Amtrak’s Silver Star uses the line’s west-to-eastbound ACL tracks, although it does not stop at the station.
At the station, a train observation deck is present where one can watch CSX freight trains and Amtrak’s Silver Star train pass. The closest other passenger stations are Tampa or Lakeland.
The Plant City Police Department (PCPD) is the law enforcement agency for the city of Plant City. The annual budget for the police department for 2017-2018 was $10,413,994.
There are several locations in Plant City which have been included in the National Register of Historic Places. They are:
Alafia River State Park is located nearby.
On October 12, 2009, the Plant City Commissioners voted 4-to-1 to essentially ban all new murals in the Historic District of Plant City. Current murals being painted are not affected by this ban, but no new murals can be painted unless the owner of the building can prove there was an already existing mural on the wall before 1994. The ban was set in motion by a complaint that a recent mural by Blake Emory—a rendition of Norman Rockwell’s “April Fools”—contained a sex organ in the painting. Even though the creators of the mural insisted it was not intentional, and immediately altered the section of the mural, City Commissioners hastily cast the vote adding that they may revisit this ban in the future. City Commissioner Bill Dodson was the only vote against the ban saying he was looking for a more thought out and complete ordinance over an immediate and outright ban.
Plant City has formalized sister city agreements with the following city:
