Insurance Requirements for Owner Operators Kissimmee, Florida
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Kissimmee, 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 Kissimmee, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Kissimmee, 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.
Kissimmee ( kih-SIM-ee) is the largest city and county seat of Osceola County, Florida, United States. As of the 2020 census, the population was 79,226. It is a Principal City of the Orlando-Kissimmee-Sanford, Florida, Metropolitan Statistical Area, which had a 2020 population of 2,673,376. The Census Bureau defines an urban area with Kissimmee as the principal city, which is separated from the Orlando urban area. The Kissimmee–St. Cloud, FL urban area had a 2020 population of 418,404, making it the 100th largest in the United States.
This area was originally named Allendale, after Confederate Major J. H. Allen who operated the first cargo steamboat along the Kissimmee River—the Mary Belle. It was renamed Kissimmee when incorporated as a city in 1883. The modern town, which is the county seat of Osceola County, was founded before the Civil War by the Bass, Johnson and Overstreet families. The etymology of the name Kissimmee is debated, apart from general agreement that it is Native American in origin. Its growth can be credited to Hamilton Disston of Philadelphia, who based his four-million acre (8,000 km) drainage operation out of the small town. Disston had contracted with the financially wobbly state of Florida to drain its southern lands, for which he would own half of all he successfully drained. This deal made Disston the largest single landowner in the United States.
Disston’s dredging and land speculation required a small steamboat industry to transport people and goods along the new waterway. The Kissimmee shipyard was responsible for building most of these large steamships, which were just one jump ahead of civilization—with Kissimmee as the jumping off point. Concurrently, the South Florida Railroad was growing and extended the end of its line from Sanford down to Kissimmee, making the town on Lake Tohopekaliga a transportation hub for Central Florida. On February 12, 1885, the Florida Legislature incorporated the Kissimmee City Street Railway.
But the heyday of Kissimmee was short-lived. Expanding railroads began to challenge the steamships for carrying freight and passengers. By 1884, the South Florida Railroad, now part of the Plant System, had extended its tracks to Tampa. The Panic of 1893 was the worst depression the U.S. had experienced up to that time, crushing land speculation and unsound debt. Hamilton Disston closed his Kissimmee land operation. Consecutive freezes in 1894 and 1895 wiped out the citrus industry. The freezes, combined with South Florida’s growth and the relocation of steamship operations to Lake Okeechobee, left Kissimmee dependent on open range cattle ranching.
Kissimmee had a population of 4,310 in 1950. At that point there was some citrus packing as well as the ranching.
Ranching remained an important part of the local economy until the opening of nearby Walt Disney World in 1971. After that, tourism and development supplanted cattle ranching to a large measure. However, even though the Disney facility took over much of the open range cattle lands, cattle ranches still operate nearby, particularly in the southern part of Osceola County.
The 1998 Kissimmee tornado outbreak killed dozens of people in the area. On August 13, 2004, Hurricane Charley passed through Kissimmee with winds in excess of 100 miles per hour, damaging homes and buildings, toppling trees and cutting electrical power to the entire city. Kissimmee Utility Authority restored power to 54 percent of the residents in the first 72 hours; 85 percent were restored within one week. Service was restored to all customers on August 28. Three weeks after Hurricane Charley, the area was struck by Hurricane Frances, followed by Hurricane Jeanne three weeks after Frances.
According to the United States Census Bureau, the city has a total area of 17.32 square miles (44.9 km), of which 16.7 square miles (43 km) is land and 0.6 square miles (2 km) is water (3.7%). Kissimmee and the city of St. Cloud are the only incorporated settlements in the county. The cities lie in proximity to each other along U.S. Highways 192 and 441.
A large geographical area of unincorporated Osceola County also refers to their area as Kissimmee. This includes most of the 192 corridor west of the city border to Highway 27, areas north of the city to Hunters Creek, and areas south of the city to Poinciana.
The city is mostly built on deep sand which is poorly drained in its natural state. The most common soil series is Myakka.
Drained by the Kissimmee River, the city is situated on the northwest shore of Lake Tohopekaliga (locally called Lake Toho, West Lake Toho, or simply West Lake) in central Florida. Shingle Creek, largely considered the headwaters of the Everglades, also runs through the city. Shingle Creek features a popular canoe/kayak trail that runs from Steffe Landing on US 192 and ends in Lake Tohopekaliga.
The downtown area lies near the intersection of U.S. Highway 17/92 and U.S. Highway 192. The downtown of Kissimmee does not possess any big skyscrapers; most of the buildings are two or three stories high. The biggest and the tallest building in the downtown is the Osceola County courthouse. The main thoroughfare follows along Highway 17/Highway 92 through the city’s center and is a combination of three streets: Main Street, Broadway Street, and Emmett Street. The downtown area consists largely of restaurants, small shops, and historic residences. The University of Central Florida has a business incubator located in the area that is an important part of the economic engine downtown.
The climate in this area is characterized by hot, humid summers and generally mild, dry, and sunny winters. According to the Köppen climate classification system, Kissimmee has a humid subtropical climate (Cfa).
In the 2010 census, Kissimmee had a population of 59,682. The racial and ethnic composition was 58.9% Hispanic (33.1% Puerto Rican, 5.1% Dominican, 4.0% Colombian, 3.9% Mexican, 2.6% Cuban, 1.4% Venezuelan, 0.9% Ecuadorian, 0.7% Salvadoran, 0.7% Peruvian, 0.6% Honduran, 0.6% Nicaraguan) or Latino, 26.2% non-Hispanic White, 9.6% non-Hispanic African American, 2.8% Hispanic Black, 0.6% Native American, 3.4% Asian (1.1% Asian Indian, 0.8% Filipino), 0.1% Pacific Islander, 0.4% Non-Hispanic from some other race and 4.7% two or more races.
Compared to the previous census of 2000, there were 47,814 people, 17,121 households, and 11,813 families residing in the city. The population density was 2,866.6 inhabitants per square mile (1,106.8/km). There were 19,642 housing units at an average density of 1,177.6 per square mile (454.7/km). The racial makeup of the city was 67.22% White, 9.99% African American, 0.52% Native American, 3.38% Asian, 0.10% Pacific Islander, 14.15% from other races, and 4.66% from two or more races. Hispanic or Latino people of any race were 41.73% of the population. The majority of Hispanics residing in the city are Puerto Ricans. There are also small Colombian, Cuban and Dominican communities residing in and/or around the city.
There were 17,121 households, out of which 37.4% had children under the age of 18 living with them, 47.2% were married couples living together, 15.8% had a female householder with no husband present, and 31.0% were non-families. 20.9% of all households were made up of individuals, and 4.9% had someone living alone who was 65 years of age or older. The average household size was 2.77 and the average family size was 3.21.
In the city, the population was spread out, with 27.0% under the age of 18, 12.0% from 18 to 24, 34.9% from 25 to 44, 18.5% from 45 to 64, and 7.6% who were 65 years of age or older. The median age was 31 years. For every 100 females, there were 98.1 males. For every 100 females age 18 and over, there were 95.8 males.
The median income for a household in the city was $33,949, and the median income for a family was $36,361. Males had a median income of $25,851 versus $21,025 for females. The per capita income for the city was $15,071. About 12.3% of families and 15.4% of the population were below the poverty line, including 19.0% of those under age 18 and 10.2% of those age 65 or over.
Multinational multi-level marketing company Tupperware Brands is based in Kissimmee.
According to Kissimmee’s 2018 Comprehensive Annual Financial Report, the top employers in the city are:
The Houston Astros conducted spring training in Kissimmee, at Osceola County Stadium from 1985 to 2016. The stadium also hosts numerous amateur baseball events throughout the remainder of the year in conjunction with; USSSA, Triple Crown Sports, World Baseball Federation and Promotion Sports. The Jim Evans Academy of Professional Umpiring has also called Osceola County Stadium home since 1994.
Austin-Tindall Regional Park is an athletic facility in the area that is host to a variety of annual events.
The city is also home to the annual NCCAA men’s soccer National Championship Tournament.
Osceola Heritage Park is an event facility featuring a concert arena (Silver Spurs Arena) and professional sports stadium (Osceola County Stadium). The Silver Spurs Arena has been host to many acts, ranging from Hilary Duff and Bob Dylan to an annual rodeo event. Jehovah’s Witnesses also use The Silver Spurs Arena for their annual District Conventions. In 2008, a number of English and Spanish conventions were held by the Witnesses, bringing thousands of delegates to the Kissimmee area for the three-day events.
Kissimmee has a number of public parks, including:
The Shingle Creek Regional Trail (SCRT) is an inter-governmental project that has been planned to connect Kissimmee to Orlando through a 32-mile bicycle trail. It runs along the environmentally sensitive Shingle Creek, and was included on President Obama’s America’s Great Outdoors list.
Kissimmee is home to a number of golf courses and mini-golf courses.
Kissimmee is home to The Loop, a large outdoor shopping mall at John Young and Osceola Parkways on the Orange/Osceola County line. It features stores such as American Eagle Outfitters, Kohl’s, and Best Buy. There is also a multi-plex theater.
Kissimmee features a unique transformation of the former Osceola Square Mall into a Spanish-style marketplace called Plaza del Sol.
Kissimmee is near Orlando, home to Universal Orlando Resort and SeaWorld Orlando, and Lake Buena Vista/Bay Lake, home to Walt Disney World Resort, allowing tourists to access the parks through the city.
The School District of Osceola County, Florida serves Kissimmee. High schools include:
Kissimmee features a multi-modal transportation hub located between Neptune Road and Monument Streets. This hub includes the Amtrak train station, which is a station stop on the SunRail commuter rail system. There is a Greyhound bus station. The hub also features a bus terminal providing service by the Lynx network.
Kissimmee Gateway Airport has four fixed-base operators that provide service to the area. Kissimmee Gateway Airport (ISM) accommodates general aviation air service 24 hours a day with two paved airport runways—respectively 5,000 and 6,000 feet. There are also two flight training schools and a museum at the airport. Orlando International Airport can be reached from Kissimmee in 15 minutes by car.
The major roads in the Kissimmee area are Florida’s Turnpike, Interstate 4, Osceola Parkway, and US 192. Among other important routes are US 17/92 that join with US 441 into the Orange Blossom Trail (OBT) and the John Young Parkway.
Osceola Library System operates the Hart Memorial Central Library in Kissimmee.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.