Cheapest Owner Operators Truck Insurance Cost Wellington, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Wellington, 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 Wellington, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Wellington, 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.
Wellington is a village just west of West Palm Beach in Palm Beach County and 66 mi (106 km) north of Miami. It is part of the Miami metropolitan area and the fifth largest municipality in Palm Beach County by population. As of the 2020, the village had a population of 61,637 according to the U.S. Census Bureau, making it the most populous village in the state.
In the 1950s, Charles Oliver Wellington, an accountant from Massachusetts, purchased about 18,000 acres (73 km) of central Palm Beach County swampland located south of Florida State Road 80 (locally known as Southern Boulevard) and west of U.S. Route 441. Wellington named the property Flying Cow Ranch, due to his other occupation as an aviator and his initials spelling the word “cow”. The ranch became protected against floodwaters from the Everglades after the United States Army Corps of Engineers constructed a levee to south of the property between 1952 and 1953. Following his death in 1959, his son Roger inherited the property. The family sold 1,200 acres (4.9 km) at $300 per acre to Arthur William “Bink” Glisson, Charles’ agent. Glisson sold the land for $1,000 per acre within the following several months. Many other farmers began purchasing or leasing portions of the Flying Cow Ranch in the 1960s. About 2,000 acres (8.1 km) were used for growing strawberries at one point, which was claimed to be the largest strawberry patch in the world.
After Roger Wellington sold 7,200 acres (29 km) of land to developer Jim Nall of Fort Lauderdale in 1972, the Palm Beach County Board of Commissioners unanimously approved a proposal by the Acme Drainage District for the area to become a planned unit development. Among the first projects included the development of 150 acre (0.61 km) Lake Wellington and the construction of a golf course, a country club, and residential neighborhoods. Following acquisition of the project in the late 1970s by Gould Florida Inc., the company built the International Polo Club Palm Beach and the Aero Club, a neighborhood with a private airpark. The area’s first official population count occurred during the 1980 Census, when Wellington was defined as a Census-designated place. A total of 4,622 people lived there at the time. Wellington functioned as a sprawling bedroom community with few shopping centers or restaurants until the 1990s.
A vote for incorporation of the village of Wellington was held on November 7, 1995, with 3,851 votes in support and 3,713 votes in opposition, a margin of just 138 votes. Wellington officially became a village on December 31, 1995, as a state revenue sharing program required it to exist in 1995 in order to be eligible for funding in 1996. The village became Palm Beach County’s 38th municipality and the ninth most populous city in the county at the time, with approximately 28,000 residents. The first village council elections were held on March 12, 1996. None of the candidates for any of the five seats secured a majority of the votes, forcing runoffs to be held on March 26. The first elected village council members were Paul Adams, Michael McDonough, Tom Wenham, Carmine Priore, and Kathy Foster. Two days later, the council held its first meeting and selected Foster for mayor, Priore for vice mayor, and Colin Baenziger for village manager.
It has now become known as an international center for equestrian sports.
According to the United States Census Bureau, the village has a total area of 31.4 square miles (81 km), of which 31.0 square miles (80 km) is land and 0.3 square miles (0.78 km) is water (0.99%).
As typical in Palm Beach County and South Florida, Wellington has a tropical climate, with two main seasons: warm and dry and hot and wet.
Winters are mild to warm and humidity levels are relatively low. During the coolest month, January, average high temperatures are around 75 °F (24 °C) and lows around 55 °F (13 °C). It is not unusual though for winter temperatures to reach 83 °F (28 °C).
Summertime is rainy season in South Florida and humidity levels increase dramatically. During the hottest month, July, high temperatures are around 92 °F (33 °C) with lows around 75 °F (24 °C). South Florida is vulnerable to hurricanes at this time of year.
As of the 2020 United States census, there were 61,637 people, 22,506 households, and 17,104 families residing in the village.
As of 2010, there were 22,685 households, with 13.3% being vacant.
In 2000, there were 12,938 households, out of which 69.7% were married couples, 47.2% had children under the age of 18 living with them, 9.7% had a female householder with no husband present, and 17.4% were non-families. 13.2% of all households were made up of individuals, and 4.0% had someone living alone who was 65 years of age or older. The average household size was 2.95 and the average family size was 3.25.
In 2000, the village the population was spread out, with 31.0% under the age of 18, 5.8% from 18 to 24, 29.7% from 25 to 44, 24.6% from 45 to 64, and 8.9% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 95.5 males. For every 100 females age 18 and over, there were 91.6 males.
As of 2015, the median income for a household in the village was $77,233. The per capita income for the village was $40,726. About 2.9% of families and 4.3% of the population were below the poverty line, including 4.2% of those under age 18 and 3.8% of those age 65 or over.
As of 2000, 83.52% of residents spoke English as a first language, while 12.18% spoke Spanish, French accounted for 0.98%, French Creole for 0.79%, Italian made up 0.61%, and Vietnamese was the mother tongue of 0.47% of the population.
As of 2000, Wellington had the eighty-fifth highest percentage of Cuban residents in the US, with 3.27% of the village’s population.
The Wellington Amphitheater hosts movie nights, musical and comedy performances, and the Food Truck Invasion.
The Mall at Wellington Green, and the Old Wellington Mall, are located in Wellington.
The Palm Beach County Library System operates the Wellington Branch. It hosts seasonal events such as the annual Top Gun model aircraft show, the Barett-Jackson Auto auction, art and antique shows and holiday parades.
Wellington is known for its equestrian community and hosting equestrian events, notably show jumping, hunting, dressage and polo.
Wellington is host to the Winter Equestrian Festival, the largest and longest running horse show in the world from January to April. It holds more than forty weeks of equestrian competitions per year. A new expansion includes the Global Dressage Festival, begun in 2011. International competitors attend the equestrian events and social event held in the community.
Each year Wellington hosts several high-goal polo tournaments including the USPA Gold Cup and the U.S. Open Polo Championship at the Palm Beach International Polo Club. The International Polo Club was an idea created by players to build a facility to showcase the skills of the ponies and players. The arenas of play include three state-of-the-art playing fields and a stick and ball field. Brunches, charities, corporate events and more are hosted at the International Polo Club in Wellington.
Wellington is also home to The Palm Beach Masters series. A trio of unique events hosted at Deeridge Farms — a stunning location at the heart of equestrian sport in Wellington, Florida. These premium events offers riders, spectators, and sponsors unforgettable hospitality, unrivaled facilities, and world-class showgrounds.
The School District of Palm Beach County serves Wellington. Public schools in Wellington and schools serving Wellington include:
Wellington is serviced by a few different mainstream news publications.
Wellington’s public transportation consists of Palm Tran. It is also served by Palm Beach International Airport. Several highways pass through or near Wellington. U.S. Route 441 and State Road 7 jointly cross north-to-south in the eastern side of the village. Lake Worth Road, which is designated as State Road 802 to the east of Route 441/State Road 7, continues westward into Wellington. State Road 882 (locally known as Forest Hill Boulevard) also moves east-west partially through the village, before continuing westward and then northwestward to Southern Boulevard without the designation to the west of Route 441/State Road 7. Southern Boulevard (designated as both U.S. Route 98 and State Road 80), an east-to-west highway, lies just north of the village’s northern boundary. Florida’s Turnpike passes along the far eastern edge of Wellington, though the nearest entry and exit ramps are located at U.S. Route 98/State Road 80 and State Road 802, outside the municipal limits.
The Village of Wellington receives both fire and police services on a contractual basis from Palm Beach County.
Palm Beach County Fire-Rescue provides fire protection and emergency medical services. There are 4 fire stations assigned to the village:
Police protection for Wellington is provided by District 8 of the Palm Beach County Sheriff’s Office. District 8 operates from a sub-station located in the village, and is staffed by 68 sworn deputies and 6 civilian employees.
