Cheapest Owner Operators Truck Insurance Cost Winter Haven, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Winter Haven, 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 Winter Haven, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Winter Haven, 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.
Winter Haven is a city in Polk County, Florida, United States. Neighboring Lakeland to its east, Winter Haven is located some fifty-one miles east of Tampa. The city’s population was 49,219 at the 2020 census, making it the second most populated city in Polk County after Lakeland. It is a principal city of the Lakeland-Winter Haven, Florida Metropolitan Statistical Area which is part of the Tampa Bay metropolitan area.
The Timucua and the Calusa were the earliest known inhabitants of the land that would become Winter Haven. Both of these groups were deeply affected by war and disease from the Spanish conquest of Florida in the early 1500s. The Timucua were particularly affected by the expedition of Hernando de Soto. By the 19th century, both these groups no longer existed. During these expeditions the Spanish explorers claimed the entire peninsula of Florida for the Spanish monarchy
In the 19th century the Creek and the Seminole were known to live and hunt in this area. During the Seminole Wars the Seminole leader, Chipco, and his followers were known to live in the Winter Haven area. Several small skirmishes during the war were fought in and around Winter Haven.
In 1819, after the signing of the Adams-Onís Treaty, the United States gained control of Florida. The first American or European settlers in the area were encouraged to settle there by the Armed Occupation Act of 1842.
During the 1840s and 1850s, the United States government conducted the first surveys of the area. Henry Washington conducted the first survey of the area in 1843. In 1849, Dr. John Westcott completed an extensive survey of the area, including mapping many of the local lakes. The first maps of the area were published by the United States government in 1854. In 1883, Henry Haines working for Henry Plant and the Plant System, successfully built the first railroad across Polk County, passing just north of Winter Haven. Lake Haines, in Winter Haven, was named after Haines, who served as a colonel in the Confederate States Army.
The arrival of the railroad created the first real growth in area. The area was platted in 1884 and would first be known as Harris Corners. This name was in reference to F.A.K. Harris, who opened the first mercantile store in the area around this time. The name Winter Haven was later suggested, in reference to the area’s pleasant climate.
By the end of the century, the population grew to approximately 400 and in 1911, the City of Winter Haven was incorporated. The Chain of Lakes canals were begun in 1915. The first Florida boom took place in the 1920s as towns sprang up all over the peninsula. Florida’s potential as a place to live and a place to visit was first realized in the 1920s, but the Great Depression slowed growth until after World War II. Winter Haven Hospital was founded in 1926 and has been in the city ever since.
During this period, the population of Winter Haven began to grow substantially. Many beautiful single-family homes were built in Winter Haven at this time in the colonial revival style. Over 50 these homes are on the National Register of Historic Places today. They are noted for their architectural style and grace. Most of these historic homes are located in the Interlaken neighborhood. There are four historic districts in Winter Haven. They are Interlaken, Pope Avenue, Winter Haven Heights, and the downtown area.
In 1930, George W. Jenkins opened the first Publix supermarket in Winter Haven. His second store and the first stand-alone Publix store, was a 27 ft by 65 ft building at 199 West Central Avenue, opened in 1935, which exists today as the Regenerations thrift store. During the 1930s and 1940s, citrus magnate, John A. Snively operated one of the largest fruit packing plants in the world in Winter Haven.
Another defining event in Winter Haven was the opening of Cypress Gardens in 1936 by Dick Pope Sr. and his wife, Julie Pope. They first got the idea for the park from a Good Housekeeping magazine that they were reading. By the 1950s, Cypress Gardens was nationally famous. It featured a beautiful botanical garden, water skiing shows, and a staff of southern belles. Many famous celebrities of that time visited the park, including Elvis Presley, Frank Sinatra, Betty Grable, and King Hussein of Jordan. In the 1980s, the Anheuser-Busch corporation purchased the park. They continued to operate the park until 1995. After that, the park struggled, finally closing for good in 2009. On January 21, 2010, the site of Cypress Gardens was formally announced as the selected location for the Legoland Florida theme park, which opened on October 15, 2011. Legoland Florida has successfully retained some of the tradition and history of the original site, including part of the original botanical garden and a water ski show.
Winter Haven features many buildings designed by the architect Gene Leedy, one of the founders of the Sarasota School of Architecture. Regency Medical Center, which is Winter Haven Hospital’s women’s hospital, was built in 1987. Some of Leedy’s structures are part of the Downtown Winter Haven Historic District.
The Orange Dome, located near the corner of Cypress Gardens Blvd and US Hwy 17, was built in 1964. For 48 years, it hosted the annual Citrus Festival and other civic affairs. In February 2012, the Orange Dome was demolished to make way for The Landings, a proposed $150 million mixed-use development that was intended to include high-end retail stores, restaurants, hotels, apartments and a new movie theater to be built at the Chain of Lakes Complex. However, after the construction of three fast food chain stores, the project collapsed. As of April 2013, the developer and the city were in negotiations to determine the future of the site.
Pughsville was a neighborhood of Winter Haven where African Americans built a community after the Civil War. A historical marker on Highway 17 at Avenue O commemorates the community. According to the marker, Pughsville was one of Winter Haven’s earliest neighborhoods and was settled by African Americans who cleared the land in the southwest section of the city.
Pughsville was named for an early black pioneer, Reverend Charles Pugh, who was a founder of one of Zion Hill Missionary Baptist Church. Pughsville was also home to Bethel A.M.E., St. Paul Holiness, and Church of Christ. The community was most active from the 1900s until the 1950s and had an African-American school, social halls, small grocery stores, and restaurants where some residents worked. Others worked in the citrus industry or in state or federal jobs. Pughsville produced Winter Haven’s first African-American commissioner and mayor Lemuel Geathers, medical doctor, fire fighter and postal worker. The community declined in the late 1970s as larger commercial establishments began arriving in the area.
According to the United States Census Bureau, the city has a total area of 25.4 square miles (66 km), of which 17.7 square miles (46 km) is land and 7.7 square miles (20 km) (30.45%) is water. Winter Haven is located within the Central Florida Highlands area of the Atlantic coastal plain with a terrain consisting of flatland interspersed with gently rolling hills. It has an average elevation of 146 feet (45 m) above sea-level. The city is located at the headwaters of the Peace River.
Winter Haven has 50 lakes within its borders, including its famous Chain of Lakes. The lakes are by far the city’s most distinctive feature. Winter Haven bills itself as “The Chain of Lakes City”. The city has two prominent chains of lakes; the northern chain has nine lakes interconnected by a series of canals. The southern chain features sixteen lakes interconnected by a series of canals. The southern chain has several prominent lakes, including Lake Eloise, Lake Howard, and Lake Lulu. In 2011, after six years of construction and political infighting, Winter Haven opened a canal lock system connecting the two chains. Most of the lakes in Winter Haven formed in a similar fashion to sinkholes, through dissolving of the limestone ground. These types of lakes are called “solution lakes”. The lakes in Winter Haven teem with life, including alligators, bald eagles, great blue herons, and more. The Winter Haven lakes are a world-renowned spot for bass fishing.
Winter Haven is located in the humid subtropical zone (Köppen climate classification: Cfa). The average temperature is 74.6 °F (24 °C). The city averages 46.12 inches (1,171 mm) of rain per year. The months of June, July, August, and September, which includes the height of the Atlantic hurricane season, are by far the rainiest time of the year. Those four months, which average 26.63 inches (67.6 cm) of rain, account for more than half of the annual rainfall. Winters in Winter Haven are dry and sunny, with high temperatures of 72–76 °F (22–24 °C) and lows of 51–55 °F (11–13 °C). Frost occur about once per year on average.
As of the 2010 census, Winter Haven was 55.6% white, 28.2% black, 12.5% Hispanic, 2.5% Asian.
As of the census of 2000, there were 26,487 people, 11,833 households, and 6,934 families residing in the city. The population density was 1,498.3 inhabitants per square mile (578.5/km). There were 13,912 housing units at an average density of 787.0 per square mile (303.9/km).
There were 11,833 households, out of which 21.6% had children under the age of 18 living with them, 42.1% were married couples living together, 12.8% had a female householder with no husband present, and 41.4% were non-families. 36.0% of all households were made up of individuals, and 18.9% had someone living alone who was 65 years of age or older. The average household size was 2.17 and the average family size was 2.81.
In the city the population was spread out, with 20.9% under the age of 18, 6.8% from 18 to 24, 23.5% from 25 to 44, 21.4% from 45 to 64, and 27.4% who were 65 years of age or older. The median age was 44 years. For every 100 females, there were 85.1 males. For every 100 females age 18 and over, there were 81.2 males.
The median income for a household in the city was $31,884, and the median income for a family was $39,657. Males had a median income of $30,943 versus $21,812 for females. The per capita income for the city was $20,383. About 10.5% of families and 15.0% of the population were below the poverty line, including 24.2% of those under age 18 and 7.9% of those age 65 or over.
Three-time Olympic gold medal swimmer, Rowdy Gaines, and Olympic gold medal sprinter, Kenneth Brokenburr both grew up in Winter Haven. Four-time NBA all-star and Olympic gold medalist guard, Otis Birdsong, also grew up in Winter Haven. Welterweight boxing champion, Andre Berto, is another famous athlete who grew up in Winter Haven.
Winter Haven has many successful sports programs, both recreational and competitive, serving the youth in the community. Winter Haven High School has won several state and district championships in various sports, including Girls Varsity Basketball State Championship in 2005, 2007, 2016, and 2017.
With so many lakes, Winter Haven is a location for fresh water fishing. The two sports for which Winter Haven is best known are water skiing and baseball.
Winter Haven has played a major role in the development and growth of water skiing as a sport. Dick Pope Sr. used water skiing as a way to promote his Cypress Gardens theme park starting in the 1930s, and water ski shows soon became a staple of entertainment at the park. He was also the first person to complete a jump on water skis, jumping over a wooden ramp in 1928, for a distance of 25 feet. He pioneered a number of other water skiing tricks, including the water ski human pyramid, as part of an effort to develop his shows at Cypress Gardens. His son, Dick Pope Jr. popularized barefoot water skiing, bringing early pioneers such as Don Thomson to Cypress gardens to develop novel acts such as tumble turns, backwards barefooting, front to back and beach starts to please the theme park crowds.
Winter Haven is connected to 10 members of the Water Ski Hall of Fame, more than any other city in the world. These include Dick Pope Sr., Dick Pope Jr., and Ricky McCormick. George A. “Banana George” Blair, who still holds several water ski world records, was first introduced to the sport while visiting Winter Haven in the 1950s. Winter Haven has many lakes, including its famous chain of lakes, that are perfect for water skiing. Today, several successful ski schools, for both water skiing and barefoot skiing, make their home there. Every day, all year round, water skiers can be seen practicing their sport on the lakes around town.
Winter Haven was a Major League Baseball Spring Training site for many years, first at Denison Field and later at Chain of Lakes Park. Great baseball players who played spring training baseball in Winter Haven included Jimmie Foxx, Lou Gehrig, Willie Mays, Roberto Clemente, Johnny Bench, and Hank Aaron.
In 1928, the Philadelphia Phillies were the first Major League Baseball team to call Winter Haven their spring-home. The Phillies played at Denison Field, which featured a large, covered wooden grandstand. The Phillies played spring training games there until 1938. In 1940, the New York Giants did one season there. After baseball left Denison, the field was donated to the city for the benefit of youth athletics. The stadium was rebuilt in 1947 with a larger grandstand and in use today for college and high school football, soccer, track and field, and other events.
In 1966, the Boston Red Sox and spring training baseball returned to Winter Haven. The Red Sox played in the newly built Chain of Lakes Park, a state of the art facility at that time. For 26 years, the Red Sox called Winter Haven their spring-home. When the Red Sox left to Fort Myers, Florida in 1992, the city of Winter Haven sought a new Major League Baseball team. Later that year, Hurricane Andrew devastated Homestead, Florida, including the spring training facilities of the Cleveland Indians, and the Indians moved to Winter Haven. In 2008, after failed negotiations with the city to renovate Chain of Lakes Park, the Indians moved into a brand new stadium in Goodyear, Arizona after 16 springs at Chain of Lakes Park.
Chain of Lakes Park today hosts Russ Matt collegiate baseball tournament. The stadium was slated for demolition, and re-development into a shopping center, called the Landings, but those plans are currently stalled.
Public schools in Winter Haven are operated by Polk County Public Schools.
Winter Haven is part of the Tampa/St. Pete television market, the 13th largest in the country and part of the local Lakeland/Winter Haven radio market, which is the 94th largest in the country.
Since 1911, the Winter Haven News Chief has served the community as the local newspaper. The News Chief also published the Polk County Shopper and ran the site polkonline.com. In 2008, News Chief was taken over by the Lakeland Ledger and operations were merged into that paper’s Winter Haven branch.
Major routes through, to, and from Winter Haven include:
The streets of downtown Winter Haven are arranged in a grid plan. 1st Street (SR 549) is the north–south axis, with two sets of numbered streets running parallel – one to the east (e.g. 7th St. NE/SE), and one to the west (e.g. 6th St. NW/SW). Central Avenue (SR 542) is the west–east axis, with two sets of lettered avenues similarly running parallel on either side.
Local commuter bus service is provided by Winter Haven Area Transit and the Citrus Connection.
Winter Haven’s Gilbert Airport and the adjacent Jack Browns Seaplane Base are located 3 miles (4.8 km) northwest of the central business district.
Winter Haven has an Amtrak train station served by the Silver Star and Silver Meteor.