Cheapest Owner Operators Truck Insurance Poinciana, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Poinciana, 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 Poinciana, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Poinciana, 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.
Poinciana is a settlement and census-designated place (CDP) in Osceola and Polk counties in the U.S. state of Florida. It lies southwest of Kissimmee and approximately 14 miles (23 km) east of Haines City. As of the 2010 United States Census, the CDP had a population of 53,193.
As of April 2012 the population of the 9 villages which make up the Association of Poinciana Villages (APV), which covers a wider area than the CDP, was reported as 69,857. According to the latest census reports the adjoining tracts outside the CDP represent an additional 29,914 persons. Depending on the definition, the greater Poinciana Area represents a population of between 53,193 and 83,107. This puts Poinciana as one of the fastest growth areas for Central Florida over the past decade.
U.S. Highway 17/92 (here part of the Orange Blossom Trail) runs through the north of Poinciana. The Poinciana Parkway (State Road 538), a toll road to connect Poinciana more directly to Interstate 4, was opened on April 30, 2016.
Poinciana is the southern terminus of the SunRail system. SunRail’s Poinciana station is located in the north of Poinciana near the intersection of Orange Blossom Trail (aka U.S. Highway 17/92) and Poinciana Boulevard, and opened on July 30, 2018. Local bus service is provided from central areas of Poinciana to Kissimmee and Haines City by the Lynx network.
According to the United States Census Bureau, the CDP has a total area of 35.3 square miles (91 km), of which 35.1 square miles (91 km2) is land and 0.2 square miles (0.52 km), or 0.68%, is water.
Poinciana was planned as a Planned Unit Development (PUD). Most of the PUD was developed in 10 Villages with each being their own sub association and corporation duly recorded with the State of Florida Corporation, which form the Association of Poinciana Villages (APV) Master Association. Four of the villages are in Osceola County (Village 1 with Cypress Woods and Stepping Stone, Villages 2, 5 and Village 9 (Broadmoor – mobile home park) and six Villages 3, 4, 6, 7 and 8) are in Polk County. Located on approximately 47,000 acres (190 km2), the sub-villages are their own association under a deed-restricted community, governed by a Master homeowner association, the APV. Solivita is no longer under the APV Master Association (Village 10), it was removed by the APV Executive Committee on November 2, 2011, one of the Villages within Polk County, it is a 55+ gated community. and comprises two Community Development Districts, Poinciana CDD and Poinciana West CDD.
Neighbor subdivisions such as Waterford, Little Creek, Brighton Lakes, Oak Hammock Preserve, Crescent Lakes, Trafalgar, Doral, Isles of Bellalago, Cypress Cove, Deerwood, Wilderness, Bellalago, etc. are outside the CDP. Many of these subdivisions were defined in the original Poinciana boundary PUD but some were later developed as separate communities outside the APV.
Poinciana was planned in the 1960s. The original developer was Gulf American Corporation. Poinciana was conceived as a retirement destination, and the first homes were built in 1973 around the Poinciana Golf and Racquet Club. Since the mid-1980s the developer has been AV Homes (formerly Avatar Holdings). By 1994 the population had only risen to about 8,000, but since then growth has been rapid. By June 7, 2018, Taylor Morrison Homes, Inc announces its agreement to Acquire AV Homes, Inc at $21.90 per share.
Pro wrestler Rikishi resides in Poinciana.
As of the census of 2010 there were 53,193 residing in the CDP. The racial makeup of the CDP was 22.6% White non-Hispanic, 21.3% African American, 0.2% Native American, 1.7% Asian, 0.20% Pacific Islander, 0.7% from other races, and 2.2% from two or more races. Hispanic or Latino of any race were 51.2% of the population.
In addition there were 29,914 residing in the non-CDP neighborhoods. Poinciana is 35.8% Puerto Rican and is considered a “Little Puerto Rico” in Florida.
For census 2000 there were 4,153 households, out of which 50.3% had children under the age of 18 living with them, 65.5% were married couples living together, 15.4% had a female householder with no husband present, and 14.2% were non-families. 10.5% of all households were made up of individuals, and 3.7% had someone living alone who was 65 years of age or older. The average household size was 3.29 and the average family size was 3.49. This information will be updated for census 2010 when it becomes available.
In the 2010 Census CDP the population was spread out, with 29.27% under the age of 18, and 70.73% age 18 and over. The non CDP population was 27.4% under age of 18 and 72.6% over.
In 2000 the median income for a household in the CDP was $37,172, and the median income for a family was $37,688. Males had a median income of $26,860 versus $20,934 for females. The per capita income for the CDP was $12,590. About 12.0% of families and 12.8% of the population were below the poverty line, including 17.9% of those under age 18 and 12.3% of those age 65 or over. Likewise, 2010 income information will be updated when it become available.
