Cheapest Owner Operators Truck Insurance Tamarac, Florida
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Tamarac, 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 Tamarac, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Tamarac, 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.
Tamarac is a city in Broward County, Florida, United States. It is part of the Miami metropolitan area. At the 2020 census, the city had a population of 71,897.
In the early 1960s a young developer named Ken Behring came from the Midwest and bought land where he could, creating an active adult community of two-bedroom maintenance-free homes. He called his new city Tamarac, named after the nearby Tamarac Country Club in Oakland Park.
In 1963, Behring built and Jesse Pilch sold the city’s first development east of State Road 7, Tamarac Lakes Section One and Section Two. Next came two neighborhoods of homes built on a former orange grove called Tamarac Lakes North and Tamarac Lakes Boulevard. Four of Behring’s last developments were Tamarac Lakes South, then the Mainlands of Tamarac Lakes just west of State Road 7, and finally the Woodlands community.
The city’s early leaders, hoping to preserve Tamarac as a bedroom community, allowed Fort Lauderdale to annex commercial pockets, forever losing land that might have bolstered the city’s coffers. In the late 1970s, the city de-annexed a long line of commercial buildings from State Road 7 all the way to Northwest 31 Avenue, but it went along with Behring’s vision of Tamarac as a bedroom community. The boundaries were wherever Behring decided to build homes. The city’s current eastern boundaries narrow to a sliver from Northwest 31 to 37 Avenues, then widen to the south. The city’s easternmost boundary extends below Commercial Boulevard to Northwest 16 Avenue. City officials had once considered revising their east city limit lines to ensure efficient delivery of government services.
Behring also named a subdivision he built in the Pinellas Park area, the “Mainlands of Tamarac By-the-Gulf”.
Tamarac is located at 26°12′13″N 80°14′47″W / 26.20361°N 80.24639°W (26.203581, –80.246376). According to the United States Census Bureau, the city has a total area of 12.1 square miles (31.3 km2), of which 11.6 square miles (30.1 km) is land and 0.46 square miles (1.2 km2) is water (3.92%).
As of the 2020 United States census, there were 71,897 people, 26,124 households, and 14,906 families residing in the city.
As of 2010, there were 32,794 households, with 13.4% being vacant.
In 2000, the city the population was spread out, with 13.4% under the age of 18, 5.3% from 18 to 24, 23.5% from 25 to 44, 20.1% from 45 to 64, and 37.8% who were 65 years of age or older. The median age was 53 years. For every 100 females, there were 80.9 males. For every 100 females age 18 and over, there were 77.3 males.
As of 2000, 15.4% had children under the age of 18 living with them, 44.8% were married couples living together, 9.4% had a female householder with no husband present, and 42.6% were non-families. 36.3% of all households were made up of individuals, and 23.0% had someone living alone who was 65 years of age or older. The average household size was 2.00 and the average family size was 2.56.
In 2000, the median income for a household in the city was $34,290, and the median income for a family was $41,927. Males had a median income of $32,317 versus $28,360 for females. The per capita income for the city was $22,243. About 6.1% of families and 8.9% of the population were below the poverty line, including 13.5% of those under age 18 and 7.2% of those age 65 or over.
As of 2000, speakers of English language as a first language were at 78.08% of the population, while Spanish was at 13.69%. Also, Yiddish was at 1.90%, French at 1.15%, Haitian Creole consisted of 1.12%, Italian made up 1.08%, German comprised 0.62%, and Hebrew as a mother tongue made up 0.52% of residents.
Over the years, the multicultural population has expanded in Tamarac, such as people from Latin American and Caribbean ancestry. As of 2000, Tamarac was the fifty-first-most Colombian-populated area in the U.S., with 2.74% of the population. It also had the thirty-second-highest percentage of Jamaicans in the U.S., (tied with Royal Palm Beach and Goulds) at 4.1% of all residents.
Broward County Public Schools operates public schools.
Elementary schools in the Tamarac city limits include:
Other elementary schools serving sections of Tamarac include Discovery (Sunrise), Pinewood (North Lauderdale), Park Lakes (Lauderdale Lakes), Oriole (Lauderdale Lakes), and Lloyd Estates (Oakland Park).
Millennium 6–12 Collegiate Academy is the sole public secondary school in Tamarac; it was previously only a middle school, but its high school began operations in 2017. Tamarac has a middle school attendance zone serving the majority of the city (sections of the city limits west of NW 81 Avenue). High school students are not zoned to Tamarac; preference is given to those who attended Millennium middle, and those wishing to attend the high school must be eligible for dual-enrollment with Broward College. Other sections are served by Silver Lakes Middle in North Lauderdale, Lauderdale Lakes Middle in Lauderdale Lakes. and Rickards Middle in Oakland Park.
Much of Tamarac is zoned to J. P. Taravella High School in Coral Springs, and Piper High School in Sunrise, with Taravella serving northern areas and Piper serving southern areas. Other sections are assigned to Boyd H. Anderson High School in Lauderdale Lakes and Northeast High School in Oakland Park.
The Roman Catholic Archdiocese of Miami previously operated Saint Malachy School in Tamarac.
