Cheapest Owner Operators Truck Insurance North Miami Beach, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance North Miami Beach, 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 North Miami Beach, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in North Miami Beach, 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.
North Miami Beach (commonly referred to as NMB) is a city in Miami-Dade County, Florida, United States. The city is part of South Florida’s Miami metropolitan area. Originally named “Fulford-by-the-Sea” in 1926 after Captain William H. Fulford of the U.S. Coast Guard, the city was renamed “North Miami Beach” in 1931. The population was 43,676 at the 2020 census.
In the 1920s, Carl G. Fisher built an all-wooden racetrack with stands for 12,000 spectators, known as the Fulford–Miami Speedway. This event, held on February 22, 1926, dubbed the Carl G. Fisher Cup Race, was a forerunner to the auto races at Sebring and Daytona. In September 1926, after just one race, the track was destroyed by the 1926 Miami Hurricane.
The hurricane of 1926 essentially ended the South Florida real estate boom, and in an effort to alleviate their losses and the damage to the city, local residents came together as the Town of Fulford. In 1927, it was incorporated as the City of Fulford.
North Miami Beach is located in northeastern Miami-Dade County at 25°55′49″N 80°10′1″W / 25.93028°N 80.16694°W. It is bordered to the southeast by the city of North Miami, to the southwest by unincorporated Golden Glades, to the west by the city of Miami Gardens, to the north by unincorporated Ojus, to the northeast by the city of Aventura, and to the east across the Intracoastal Waterway by the city of Sunny Isles Beach.
U.S. Route 1 (Biscayne Boulevard) runs through the east side of the city, leading south 11 miles (18 km) to downtown Miami and north 14 miles (23 km) to Fort Lauderdale. Interstate 95 runs along the northwest border of the city, with access from Exit 12.
According to the United States Census Bureau, the city has a total area of 5.37 square miles (13.9 km). 4.4 square miles (11 km2) of it are land and 0.53 square miles (1.4 km) of it (9.78%) are water.
Although the North Miami Beach boundaries once stretched to the Atlantic Ocean, the city no longer has any beaches within its limits. They are now a short distance away, within the city of Sunny Isles Beach across the Intracoastal Waterway.
As of the 2020 U.S. census, there were 43,676 people, 13,676 households, and 9,308 families residing in the city.
As of 2010, there were 16,402 households, out of which 12.1% were vacant. As of 2000, 37.6% had children under the age of 18 living with them. 44.3% were married couples living together, 19.5% had a female householder with no husband present, and 29.9% were non-families. 23.9% of all households were made up of individuals, and 8.6% had someone living alone who was 65 years of age or older. The average household size was 2.89 and the average family size was 3.44.
As of the census of 2000, there were 40,786 people, 13,987 households, and 9,804 families residing in the city. The population density was 3,174.9/km² (8,230.6/mi²). There were 15,350 housing units at an average density of 1,194.9/km² (3,097.6/mi²). The racial makeup of the city was 46.68% White (24.8% were Non-Hispanic White), 38.97% African American, 0.29% Native American, 4.04% Asian, 0.07% Pacific Islander, 4.61% from other races, and 5.34% from two or more races. Hispanic or Latino of any race were 30.02% of the population.
As of 2000, there were 13,987 households out of which 37.6% had children under the age of 18 living with them, 44.3% were married couples living together, 19.5% had a female householder with no husband present, and 29.9% were non-families. 23.9% of all households were made up of individuals and 8.6% had someone living alone who was 65 years of age or older. The average household size was 2.89 and the average family size was 3.44.
In 2000, the city the population was spread out with 27.3% under the age of 18, 9.4% from 18 to 24, 30.9% from 25 to 44, 21.1% from 45 to 64, and 11.3% who were 65 years of age or older. The median age was 34 years. For every 100 females there were 91.6 males. For every 100 females age 18 and over, there were 86.3 males.
In 2000, the median income for a household in the city was $31,377, and the median income for a family was $35,047. Males had a median income of $26,278 versus $22,110 for females. The per capita income for the city was $14,699. About 18.4% of families and 20.5% of the population were below the poverty line, including 25.1% of those under age 18 and 18.2% of those age 65 or over.
As of 2000, English was the first language for 38.50% of all residents, while Spanish accounted for 31.97%, French Creole 19.32%, French 2.33%, Chinese 1.55%, Portuguese 1.20%, Hebrew 0.87%, Russian 0.65%, Yiddish 0.56%, and Italian 0.52% of the population.
As of 2000, North Miami Beach had the fourth highest percentage of Haitian residents in the US, with 19.9% of the US populace. It had the forty-seventh highest percentage of Colombian residents in the US, at 2.83% of the city’s population, and the sixty-seventh highest percentage of Cuban residents in the US, at 4.92% of the city’s population. It also had the sixtieth most Dominicans in the US, at 2.39% (tied with Virginia Gardens,) while it had the twenty-ninth highest percentage of Bahamians (tied with Munford, Alabama,) at 1.1% of all residents. North Miami Beach’s Jamaican community had the twenty-first highest percentage of residents, which was at 5.5% of all residents. It’s also home to the twenty-eighth highest percentage of Peruvian residents in the US, at 1.8% of the population (tied with Richmond West.)
North Miami Beach has a middle class Haitian American, Chinese American, and Jewish American community who were born in the U.S. or abroad.
Despite Asians making up only 3.4% of North Miami Beach’s population, the city’s main commercial artery along NE 167th street converging into North Miami Beach Boulevard and then becoming 163rd street, has taken the unofficial name of “Chinatown” due to the large concentration of Asian owned and operated businesses in the area. The area has been referred to unofficially as “Chinatown” since the early 1990s by both locals and North Miami Beach city officials. As of late, even Miami-Dade County officials have begun to reference the area as Chinatown. Local guides and Miami websites have called 163rd street Miami’s unofficial Chinatown.
Attractions in the vicinity of North Miami Beach include a line of popular Atlantic Ocean beaches, Ancient Spanish Monastery, Oleta River State Park, Greynolds Park, East Greynolds Park, Fulford-by-the-Sea Monument, and Aventura Mall.
North Miami Beach’s has a historic 12th century medieval Spanish monastery, the St. Bernard de Clairvaux Church. This stone building around a patio, the cloisters of the Monastery of St. Bernard de Clairvaux, was built in Sacramenia, Segovia, Spain in the 12th century. It was purchased by William Randolph Hearst in the 1920s, dismantled and shipped to the United States, and reassembled after Hearst’s death in North Miami Beach in the 1950s. It is a tourism attraction and a popular spot for weddings.
In 1966, a major accomplishment was the completion of the tennis complex and two community centers, Victory Park and Uleta Community Center.
In 1968, the Washington Park Community Center was built, and the Allen Park Youth Center was completed in 1973.
North Miami Beach expanded its parks in the 1980s as a result of the city commission making strides to benefit the community.
The city now has the Judge Arthur I. Snyder Tennis Center. It includes twelve lighted clay Hydrogrid tennis courts, six lighted lay-kold hard tennis courts, four racquetball courts, and two paddleball courts. The center also has a clubhouse and pro-shop, a picnic area, and lounge and shower facilities.
North Miami Beach is governed by a commission-manager system in the form of a Mayor, Commission, and a professional City Manager. In this type of a government, commission members are the leaders and policy makers in the community. This form of government was implemented in 1958, after a new charter was voted on.
The mayor is elected citywide and serves up to two consecutive two-year terms.
There is an elected mayor and six-member city commission, with the city manager, city clerk, and city attorney being appointed positions that are responsible for implementing the policies of the city commission.
The Federal Bureau of Investigation (FBI) Miami field office was previously in North Miami Beach. It moved to Miramar on December 8, 2014.
In 1993, in an effort to promote neighborhood stability throughout the city, North Miami Beach built a state-of-the-art police station and redeveloped infrastructure in the Government Center neighborhood.
The bond program Proud Neighborhoods took place in September 2000 and had 67 different projects. This allowed for the improvement of streets, sidewalks, lighting and landscaping in every neighborhood of the city. It took five years but it brought substantial improvements.
In the wake of the nearby Surfside condominium building collapse on June 24, the city stepped up building inspections and enforcement, and on July 2, condemned a 10-story condominium, Crestview Towers.
Miami-Dade County Public Schools serves North Miami Beach.
Public elementary schools
Public middle schools
Public high schools
Prior to the opening of North Miami Beach High and Krop, students from North Miami Beach were assigned to Miami Beach High School and Miami Norland High School.
Private schools
North Miami Beach Public Library (NMB Library), also referred to as the Lafe Allen Public Library, is a 23,000 square foot facility located at 1601 NE 164th Street in North Miami Beach, Florida. The library’s collection currently contains over 60,000 items, including both fiction and non-fiction materials, DVDs, audio books, compact discs, newspapers, magazines, and foreign language materials. Digital services include access to e-materials and reference resources, such as Florida Electronic Library, Newsbank, Reference USA, World Book, NoveList Plus, and more.
In 1959, the North Miami Beach Library was initially opened inside of a storefront on NE 163rd Street as a branch of the Miami-Dade Public Library System (then known as the City of Miami Library system). This location was relocated and expanded to two storefronts at the corner of NE 19th Avenue and NE 169th Street the following year. In 1961, however, the city ended its attachment with the City of Miami Library system and became an independent library. During this time, the library was merely a staff of two. The staff had a minor budget of 25,000 to build the collection for the library. After residents of the City of North Miami Beach voted to build a permanent location for the library in 1964, a new building was constructed on 164th Street and opened in 1965. Renovations to this facility in 1981 and 1994 grew the branch from its original 10,000 square feet to make room for the library’s expanding collection. The last reservation took place in 1994 and granted the facility its current dimensions at over 23,000 square feet.
The NMB Library offers a variety of services to the residents of North Miami Beach, such as access to study and meeting rooms, employment resources, early literacy programs, voter registration forms, citizenship materials, and passport assistance. Computers, printers, copiers, scanners, and fax machine services are also available. The library’s dedicated teen area, known as the Discovery District, is a space specifically designed to provide library patrons aged 13–19 with a place to read, study, or work on school projects. Access to computers, 3D printers, virtual reality, and zSpace for educational and recreational purposes is also provided.