Insurance Requirements for Owner Operators Deltona, Florida
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Deltona, 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 Deltona, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Deltona, 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.
Deltona is a city in Volusia County, Florida, United States. It is located on the northern shore of Lake Monroe along the St. Johns River. As of the 2020 census, the city population was 93,692. It is a principal city of the Deltona–Daytona Beach–Ormond Beach metropolitan area, which was home to an estimated 685,344 people in 2021. It is the third largest city in the Greater Orlando combined statistical area.
The city, previously known as Deltona Lakes, was originally established as a planned residential community, and was master-planned and developed by the General Development Corporation and the Mackle Brothers. Since its opening in 1962, the community rapidly grew from a small subdivision to becoming one of largest cities in Central Florida by the end of the 20th century, largely in part by the Mackle Brothers’ worldwide marketing efforts showcasing small low maintenance homes offered at affordable prices. The city is mostly residential, and primarily serves as a commuter town for the nearby cities of Orlando and Daytona Beach, as well as its surrounding communities.
The area of current Deltona and surrounding communities was originally inhabited by nomadic Timucuans, who found fish and fresh water to be plentiful in the area. After Florida became a state in 1845, steamboats began to make regular trips up the St. Johns River to Lake Monroe. George Sauls, a former secret agent for the Confederacy during the American Civil War, along with his wife Adeline and six children, were the first settlers in the area in 1859. The area was located approximately three miles (4.8 km) north of the community of Osteen. Sauls’ homestead caught fire in 1972, but it would eventually be designated as a historical site by the Volusia County Historical Commission, and the street, originally named Barranca, was renamed George Sauls Street in 1977. It was decommissioned as a historical site in 2000, and its site marker has since been relocated to the nearby Osteen Cemetery, with maintenance overseen by the Volusia County Preservation Board.
What now constitutes the city was originally developed in 1962 as Deltona Lakes by Elliott, Robert and Frank Mackle as a planned residential community through the purchase of 17,203 acres of land. The development would open to potential land buyers on November 18, 1962, and included out-parcels for drainage retention, apartments, churches, parks, commercial centers, an industrial area, a community center, and a golf course. Deltona Lakes was heavily marketed throughout the United States, including Ohio, Illinois, Indiana and Michigan. Sales representatives would also market in places such as Germany, Puerto Rico, Latin America and the Far East.
By November 1965, just one year after its opening, Deltona Lakes grew to a population of nearly 1,600, nearly 1,000 homes were built or under construction, and had more than 120 miles of paved roads or roads being surfaced. By September 1966, Deltona Lakes came to attract more families, growing to a population of 2,413, and a student enrollment of more than 200, resulting in soaring property sales of up to US$60 million. In April 1967, more than 30 civic, social, charitable and fraternal clubs would form, including a civic association, a men’s and women’s golf association, a shuffle board club, and a bicycle club. By 1970, Deltona Lakes had an estimated population of 4,868 and would continue to grow in population throughout the 1970s and 1980s, reaching a population of 51,828 by 1990.
The residents of Deltona Lakes attempted to incorporate it as a city in 1987 and 1990, but were not successful until 1995. A city charter was adopted on September 9, 1995, and a seven-member city commission was elected. Deltona Lakes was incorporated as a city on December 31, 1995, with its name shortened to Deltona.
By 2000, the city grew to a population of 69,543 people, surpassing Daytona Beach as the most populous city in Volusia County. After the city’s incorporation, regular city meetings would be held on the second floor of the now-defunct SouthTrust Bank building on Deltona Boulevard, until the first city hall began construction in 2001. The US$7 million project would complete for opening on March 16, 2002. On December 3, 2002, ground broke for the development of the Deltona satellite campus of Daytona State College (then known as Daytona Beach Community College), adjacent to Deltona City Hall. The campus opened in August 2004.
On August 6, 2004, four men broke into a home and beat six people and a dog to death with baseball bats, making it the deadliest mass murder in Volusia County history.
In recent years, new measures have been taken by city officials to begin attracting new businesses and industries into the city. Specially zoned areas in the city have been designated to allow for the development of upscale office facilities, light industrial space, health care facilities, warehousing and distribution facilities, commercial recreational facilities, and lodging services.
Deltona is located in southwestern Volusia County in Central Florida approximately 25 miles (40 km) inland from the Atlantic Ocean, halfway between Daytona Beach and Orlando. It is bordered by Lake Helen and Cassadaga on the north, DeLand on the northwest, Orange City on the west, DeBary on the southwest, Enterprise on the south, and Osteen on the southeast. It is included in the Deltona–Daytona Beach–Ormond Beach Metropolitan Statistical Area and the larger Orlando–Lakeland–Deltona Combined Statistical Area.
The majority of the land in the city is of karst topography, characterized by rolling hills and an abundant amount of lakes. The St. Johns River passes through Lake Monroe, directly south of the city. The United States Geological Survey lists the city’s elevation at 33 feet (10 m) above sea level at a point near Deltona’s geographic center. Elevations range from 20 feet (6.1 m) to 112 feet (34 m) above sea level. As of 2010, according to the United States Census Bureau, the city has a total area of 41.1 square miles (106.4 km2), 37.5 square miles (97.1 km) of which is land and 3.5 square miles (9.1 km) of which is water.
Deltona’s climate is classified as a humid subtropical climate in the Cfa Köppen climate classification, meaning it typically has hot, humid summers and mild winters. The record high temperature is 103 °F (39 °C) recorded in July 1998, with a record low of 19 °F (−7 °C) recorded in January 1985. Rainfall averages around 53 inches (1,300 mm) a year, with the wettest months being June through September. The hurricane season lasts from June 1 to November 30, with September as the most susceptible month to hurricanes. The most powerful hurricane to strike Deltona since its incorporation was Charley in 2004, during which the eye of the hurricane passed directly over the city; that same year, the city would also suffer from the effects of hurricanes Frances and Jeanne.
As of the 2010 U.S. Census, there were 85,182 people residing within the city. As of 2010, there were 34,089 households, out of which 11.3% were vacant. In 2000, 32.8% had children under the age of 18 living with them, 55% were married couples living together, 15.3% had a female householder with no husband present, and 23.7% were non-families. Of all households, 38.3% were made up of individuals, and 26.6% had someone living alone who was 65 years of age or older.
As of 2000, the median income for a household in the city was $50,058. Males had a median income of $34,478 versus $27,230 for females. The per capita income for the city was $21,019. About 11.1% of the population were below the poverty line.
The 2010 U.S. Census data indicated that 30.2% of the city’s population were Hispanic or Latino. The majority of Hispanic residents in Deltona were Puerto Rican, and made up 20.7% of the population. 1.8% of the population were Cuban, 1.6% of the population were Mexican, 1.5% of the population were Dominican, and 4.6% of the population were of other Hispanic or Latino origin, as of 2010.
As of 2000, English spoken as a first language accounted for 81.39% of all residents, while 18.60% spoke other languages as their mother tongue. The most significant were Spanish speakers who made up 15.85% of the population, while Italian came up as the third most spoken language, which made up 0.71%, and French was at fourth, with 0.58% of the population.
Deltona operates under a commission–manager form of government, consisting of seven elected officials, and an appointed city manager. Residents elect, through non-partisan elections, a mayor who represents the city at-large and six commission members who each represent a specific district of the community. Elected officials serve four-year terms, with a limit of two successive four-year terms. The mayor serves as the presiding officer at official meetings and as the ceremonial head of the city. A vice mayor is elected annually by the city commission from among the commission members. The current mayor is Santiago Avila Jr, who was elected into office in November 2022.
No invocation is normally recited at the start of City Commission meetings. However, in June, 2017, the national group Americans United for Separation of Church and State, acting on behalf of a Deltona resident, contacted the city’s attorneys to advise them that the reading of passages from the Bible by City Commissioner Christopher Alcantara allegedly violates the Establishment Clause of the First Amendment of the United States Constitution. The city responded that “engaging in the recitation of Biblical verse during a public meeting is not in and of itself enough for an Establishment Clause violation.”
Citywide public bus transportation and paratransit service is provided by Votran, a public transit service governed by the County of Volusia. SunRail provides commuter rail service to the Orlando area in the neighboring city of DeBary via Votran feeder bus service to the DeBary station, and a 275-space park and ride. The closest major passenger airport to Deltona is Orlando International Airport, located approximately 33 miles (53 km) south. Additional commercial airline service is provided at Orlando Sanford International Airport, approximately 9 miles (14 km) south, and Daytona Beach International Airport, approximately 22 miles (35 km) northeast. Deltona’s only limited-access highway is Interstate 4, and traverses through the city’s western boundary. Other major highways include Florida State Road 472, which terminates near the city limit in northwestern Deltona at Howland Boulevard, and Florida State Road 415, which traverses through the city’s southeastern boundary.
The city’s water supply and wastewater management is overseen by Deltona Water, a division of the City of Deltona’s Public Works Department, with some areas managed by the Volusia County Water Resources and Utilities division. Its main water supply comes from the Floridan aquifer system, one of the most productive aquifers in the world. Commercial solid waste (trash and garbage collection), and yard waste services are offered through Waste Pro. Natural gas is provided by Florida Public Utilities. Electric power service is provided by Florida Power & Light and Duke Energy. Wired telephone service is provided by AT&T and CenturyLink. Cable television is provided by Spectrum.
As of 2013, 60.0% of the population aged 16 years and over was in the labor force, with 52.7% employed and 7.2% unemployed. 32.4% of the population worked in sales and office occupations; 24.8% worked in management, business, science and arts occupations; 20.7% in service occupations; 11.5% in production, transportation, and material moving occupations; and 10.6% in natural resources, construction, and maintenance occupations. The industries for which the city’s inhabitants worked were 20.0% educational, health, and social services; 15.4% retail trade; 10.7% professional, scientific, management, administrative and waste management services; 9.5% arts, entertainment, recreation, accommodation and food services; 7.7% manufacturing; 7.6% finance, insurance, real estate, and rental and leasing; 7.2% construction; 6.3% public administration; 5.1% transportation, warehousing and utilities; 4.5% other services (except public administration); 3.5% information; 2.2% wholesale trade; and 0.4% agriculture, forestry, fishing and hunting, and mining. 82.7% of workers worked in the private sector, 12.7% in government, and 4.6% self-employed in unincorporated businesses. 85.9% of the population commute to work by driving alone in own car, with 8.1% consisting of carpoolers, 3.3% worked from home, 0.5% walked to work, 0.4% used public transportation (excluding taxicab), and 1.7% used other means to travel to work. The average commute time for workers is 32 minutes.
Fitch, Moody’s, and Standard & Poor’s rated Deltona bonds as “AA-” between 2013 and 2014. Fitch attributed Deltona’s small commercial sector to the city being a “largely residential and mostly built-out community”, but did acknowledge the city’s improving unemployment rate, dropping from a peak of 12% in 2010 to 6.4% in June 2014. As of 2014, the largest employers in the city include Daytona State College, followed by Publix Supermarkets, and Walmart.
According to the 2010 American Community Survey, 14.2% of all adults over the age of 25 in Deltona have obtained a bachelor’s degree, which was below the national average of 27.2% of adults over 25, and 84.7% of Deltona residents over the age of 25 have earned a high school diploma, as compared to the national average of 85.0%.
Deltona had approximately 11,877 students enrolled in its public schools in the 2012–2013 school year. Three private schools are located in the city, offering both primary and secondary education. Higher education is offered by Bethune-Cookman University and Daytona State College through satellite campuses located in the city.
Public primary and secondary education is handled by Volusia County Schools (VCS). VCS operates 2 high schools (Deltona High School and Pine Ridge High School), 3 middle schools (Galaxy, Heritage and Deltona Middle Schools) and 7 elementary schools within city limits. One elementary school is located in unincorporated Deltona, and four public schools in neighboring communities serve outer portions of the city. In 2010, the Florida Department of Education awarded all public elementary and middle schools in the city “A” or “B” grades based on their performance on the Florida Comprehensive Assessment Test. In 2013, both public high schools in the city received a “B.”
Deltona is a part of the Orlando–Daytona Beach–Melbourne media market, which is the 33rd largest radio market and the eighteenth largest television market in the United States. Its primary daily newspapers are the Orlando Sentinel, The Daytona Beach News-Journal, and the West Volusia Beacon. The city is also served by El Sentinel, the Spanish-language counterpart of the Orlando Sentinel and the city run Deltona TV which live streams city commission meetings and original programing online.
The city has one public library, the Deltona Regional Library, a branch of the Volusia County Public Library system which consists of the main library, an environmental learning center, and a 1,000-seat outdoor amphitheater built for community gatherings and educational instruction. The 50,000 square foot (4,645 m) facility received a Silver Certification from the U.S. Green Building Council. The library is adjacent to the Lyonia Preserve, a 360-acre (146 ha) joint project between Volusia County’s Land Acquisition & Management Division and the District School Board. The purpose of the project is to restore and maintain the area’s endangered scrub habitat. The Lyonia Environmental Center, located at the library, serves to encourage discovery and exploration of Volusia County’s ecosystems and foster community involvement in conservation efforts.