Insurance Requirements for Owner Operators Leon, Florida
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Leon, 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 Leon, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Leon, 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.
Leon County (Spanish: Condado de León) is a county in the Panhandle of the U.S. state of Florida. It was named after the Spanish explorer Juan Ponce de León. As of the 2020 census, the population was 292,198.
The county seat is Tallahassee, which is also the state capital and home to many politicians, lobbyists, jurists, and attorneys.
Leon County is included in the Tallahassee metropolitan area. Tallahassee is home to two of Florida’s major public universities, Florida State University and Florida A&M University, as well as Tallahassee Community College. Together these institutions have a combined enrollment of more than 70,000 students annually, creating both economic and social effects.
Originally part of Escambia and later Gadsden County, Leon County was created in 1824. It was named after Juan Ponce de León, the Spanish explorer who was the first European to reach Florida.
The United States finally acquired this territory in the 19th century. In the 1830s, it attempted to conduct Indian Removal of the Seminole and Creek peoples, who had migrated south to escape European-American encroachment in Georgia and Alabama. After many Seminole were forcibly removed from the area or moved south to the Everglades during the Seminole Wars, planters developed cotton plantations based on enslaved labor.
By the 1850s and 1860s, Leon County had become part of the Deep South’s “cotton kingdom”. It ranked fifth of all Florida and Georgia counties in cotton production from the 20 major plantations. Uniquely among Confederate capitals east of the Mississippi River, in the American Civil War Tallahassee was never captured by Union forces. No Union soldiers set foot in Leon County until the Reconstruction Era.
According to the U.S. Census Bureau, the county has an area of 702 square miles (1,820 km), of which 667 square miles (1,730 km) are land and 35 square miles (91 km) (5.0%) are water. Unlike much of Florida, most of Leon County has rolling hills, as part of Florida’s Red Hills Region. The highest point is 280 feet (85 m), in the northern part of the county.
Leon County encompasses basement rock composed of basalts of the Triassic and Jurassic from ~251 to 145 million years ago interlayered with Mesozoic sedimentary rocks. The layers above the basement are carbonate rock created from dying foraminifera, bryozoa, mollusks, and corals from as early as the Paleocene, a period of ~66—55.8 Ma.
During the Eocene (~55.8—33.9 Ma) and Oligocene (~33.9—23 Ma), the Appalachian Mountains began to uplift and the erosion rate increased enough to fill the Gulf Trough with quartz sands, silts, and clays via rivers and streams. The first sedimentation layer in Leon County is the Oligocene Suwannee Limestone in the southeastern part of the county as stated by the United States Geological Survey and Florida Geological Survey.
The Early Miocene (~23.03—15.7 Ma) sedimentation in Leon County is Hawthorn Group, Torreya Formation and St. Marks Formation and found in the northern two-thirds of the county.
The Pliocene (~5.332—2.588 Ma) is represented by the Miccosukee Formation scattered within the Torreya Formation.
Sediments were laid down from the Pleistocene epoch (~2.588 million—12 000 years ago) through Holocene epoch (~12,000—present) and are designated Beach ridge and trail and undifferentiated sediments.
During the Pleistocene, what would be Leon County emerged and submerged with each glacial and interglacial period. Interglacials created the county’s topography.
Also See Leon County Pleistocene coastal terraces
Also see: Florida Platform and Lithostratigraphy
Three sites in Leon County have yielded fossil remnants of the Miocene epoch.
As of the 2020 United States census, there were 292,198 people, 116,530 households, and 61,961 families residing in the county.
As of the census of 2010, there were 275,487 people, and 108,592 households residing in the county. The population density was 413.2 inhabitants per square mile (159.5/km). There were 123,423 housing units at an average density of 185 per square mile (71/km). The racial makeup of the county was 63.0% White, 30.3% Black or African American, 0.3% Native American, 2.9% Asian, 0.1% Pacific Islander, and 2.2% from two or more races. 5.6% of the population were Hispanic or Latino of any race.
There were 108,592 households, out of which 24.2% had children under the age of 18 living with them, 36.9% were married couples living together, 13.1% had a female householder with no husband present, and 45.8% were non-families. 31.0% of all households were made up of individuals, and 6.1% had someone living alone who was 65 years of age or older. The average household size was 2.29 and the average family size was 2.92.
In the county, the population was spread out, with 20.0% under the age of 18, 26.3% from 18 to 24, 22.7% from 25 to 44, 22.4% from 45 to 64, and 8.7% who were 65 years of age or older. The median age was 27.8 years. For every 100 females, there were 91.57 males. For every 100 females age 18 and over, there were 89.03 males.
At 70.2%, Leon County enjoys the highest level of post-secondary education in the state of Florida, followed by Alachua County with a total of 67.8%.
Source of above:
The median income for a household in the county was $37,517, and the median income for a family was $52,962. Males had a median income of $35,235 versus $28,110 for females. The per capita income for the county was $21,024. About 9.40% of families and 18.20% of the population were below the poverty line, including 16.20% of those under age 18 and 8.20% of those age 65 or over.
Following Reconstruction, white Democrats regained power in Leon County and voters have historically voted for Democratic candidates at the national level. Tallahassee is one of the few cities in the South known for progressive activism.
The county has voted Democratic in 24 of the past 29 presidential elections since 1904. (Until the late 1960s, blacks were essentially disenfranchised in Florida and other Southern states.) Since the civil rights era, Tallahassee has elected black mayors and black state representatives. Its political affiliations likely draw from the high number of students, staff, and faculty associated with Florida State University, Florida A&M University, and Tallahassee Community College in Tallahassee, as well as the concentration of government employees.
Leon County has had the highest voter turnout of any Florida county. In the 2008 general election, it had a record-setting voter turnout of 85%, including early voting and voting by mail.
As of October 6, 2020, there were 116,294 Democrats, 57,791 Republicans, and 43,369 voters with other affiliations in Leon County.
Allison Tant (D), District 9, represents Leon County’s northern half, including most of Tallahassee. Jason Shoaf (R), District 7, represents the county’s southern portion. He won office in a special election. Gallop Franklin (D), District 8, represents a west-central portion of the county.
All of Leon County is represented by Corey Simon (R), District 3, in the Florida Senate.
Leon County is located in the 2nd congressional district after the 2020 census redistricting process was completed. It is currently represented by Neal Dunn (R).
Leon County voters have gone to the polls four times to vote on consolidation of the Tallahassee and Leon County governments into one jurisdiction. This proposal would combine police and other city services with the already shared (consolidated) Tallahassee Fire Department, Tallahassee/Leon County Planning Department, and Leon County Emergency Medical Services. Tallahassee’s city limits would (at current size) increase from 98.2 square miles (254 km) to 702 square miles (1,820 km). Roughly 36 percent of Leon County’s 250,000 residents live outside the Tallahassee city limits.
Proponents of consolidation have claimed that the new jurisdiction would attract business by its very size. Merging of governments would cut government waste, duplication of services, etc. Professor Richard Feiock of Florida State University found in a 2007 study that he could not conclude that consolidation would benefit the local economy.
The Leon County Sheriff’s Office provides police patrol and detective service for the unincorporated part of the county. The sheriff’s office also provides court protection and operates the county jail. Fire and emergency medical services are provided by the Tallahassee Fire Department and Leon County Emergency Medical Services.
Tallahassee is the only incorporated municipality in Leon County. The Tallahassee Police Department provides its policing. Established in 1826, TPD is the country’s third-longest-accredited law enforcement agency.
Florida State University (commonly called Florida State or FSU) is an American public space-grant and sea-grant research university. It has a 1,391.54-acre (5.631-km) campus in Tallahassee. In 2017, it had nearly 42,000 students. It is a senior member of the State University System of Florida. Founded in 1851, it is on Florida’s oldest continuous site of higher education.
The university is classified as a Research University with Very High Research by the Carnegie Foundation for the Advancement of Teaching. It comprises 16 separate colleges and more than 110 centers, facilities, labs and institutes that offer more than 360 programs of study, including professional school programs. In 2022-23 the university had an operating budget of $2.36 billion set by the Florida State University Board of Trustees. Florida State is home to Florida’s only National Laboratory, the National High Magnetic Field Laboratory, and is the birthplace of the commercially viable anti-cancer drug Taxol. FSU also operates the John & Mable Ringling Museum of Art, the State Art Museum of Florida and one of the nation’s largest museum/university complexes.
FSU is accredited by the Southern Association of Colleges and Schools (SACS). It is home to nationally ranked programs in many academic areas, including law, business, engineering, medicine, social policy, film, music, theater, dance, visual art, political science, psychology, social work, and the sciences. FSU leads Florida in four of eight areas of external funding for the STEM disciplines.
For 2019, U.S. News & World Report ranked Florida State the country’s 26th-best public university.
Florida Governor Rick Scott and the state legislature designated FSU one of two “preeminent” state universities in the spring of 2013 among the 12 universities of the State University System of Florida.
FSU’s intercollegiate sports teams, commonly called the Seminoles, compete in National Collegiate Athletic Association (NCAA) Division I and the Atlantic Coast Conference (ACC). The athletics programs are favorites of passionate students, fans and alumni across the country, especially when led by the Marching Chiefs of the Florida State University College of Music. In their 113-year history, the Seminoles have won 20 national athletic championships and Seminole athletes have won 78 individual NCAA national championships.
Founded on October 3, 1887, Florida A&M University (FAMU) is a public, historically black university that is part of the State University System of Florida and is accredited by the Southern Association of Colleges and Schools. FAMU’s main campus comprises 156 buildings spread over 422 acres (1.7 km) on top of Tallahassee’s highest geographic hill. In 2016 it had more than 9,600 students. FAMU also has several satellite campuses. Its College of Law is at its Orlando site, and its pharmacy program has sites in Miami, Jacksonville and Tampa. FAMU offers 54 bachelor’s degrees and 29 master’s degrees. It has 12 schools and colleges and one institute.
FAMU has 11 doctoral programs, including ten Ph.D. programs: chemical engineering, civil engineering, electrical engineering, mechanical engineering, industrial engineering, biomedical engineering, physics, pharmaceutical sciences, educational leadership, and environmental sciences. Top undergraduate programs are architecture, journalism, computer information sciences, and psychology. FAMU’s top graduate programs include pharmaceutical sciences, public health, physical therapy, engineering, physics, master’s of applied social sciences (especially history and public administration), business, and sociology.
The Florida Legislature founded Tallahassee Community College in 1966. TCC is a member of the Florida College System. It is accredited by the Florida Department of Education and the Southern Association of Colleges and Schools. Its primary site is a 270-acre (1.092 km2) campus in Tallahassee.
TCC offers Bachelor’s of Science, Associate of Arts, Associate of Science, and Associate of Applied Sciences degrees. In 2013, it was 1st in the nation in graduating students with A.A. degrees. TCC is also the nation’s #1 transfer school to Florida State University. As of 2015, TCC had 38,017 students.
In partnership with Florida State University, TCC offers the TCC2FSU program. This program provides guaranteed admission to FSU for TCC Associate in Arts degree graduates.
The Leon County School District administers and operates Leon County’s public schools. LCS is operated by a superintendent, 5 board members, and 1 student representative. There are 25 elementary schools, 10 middle schools, seven high schools, eight special/alternative schools, and two charter schools.
Leon County operates the Leroy Collins Leon County Public Library, with 7 branches serving the county:
The Leon County Public Library was renamed in 1993 to honor LeRoy Collins, the 33rd governor of Florida.
The Carnegie Library of Tallahassee provided library services to the black community before desegregation. It was the first and only public library in Tallahassee until 1955. Philanthropist Andrew Carnegie offered Tallahassee money to build a public library in 1906. According to Africology: The Journal of Pan African Studies, the library was built on the FAMU campus because the city refused the donation because it would have to serve the black citizens. “The facility boasted modern amenities such as electricity, indoor plumbing and water supplied by the city. In later years, the Library served as an art gallery, religious center, and in 1976, became the founding home of the Black Archives Research Center and Museum. By functioning both as a repository for archival records and a museum for historical regalia, the center continues to render academic support to educational institutions, civic, political, religious and Museum. By functioning both as a repository for archival records and a museum for historical regalia, the center continues to render academic support to educational institutions, civic, political, religious and social groups, as well as, public and private businesses throughout Florida and the nation.” The building was designed by noted architect William Augustus Edwards and was built in 1908. On November 17, 1978, it was added to the U.S. National Register of Historic Places.
The Carnegie Library of Tallahassee, which served only the black community, became the only free public library in the city until 1955. According to the Leon County Public Library’s website, the American Association of University Women formed the Friends of the Library organization in 1954. The formation of the Friends of the Library was in direct response to the fact that “Tallahassee was the only state capital in the United States not offering free public library service.” A year later, the library was established by legislative action and developed by citizens and civic groups. The first Leon County free public library opened on March 21, 1956. The first building to house the library was The Columns, one of the oldest remaining antebellum homes in the Leon County area, at Park Avenue and Adams Street (now the home of the James Madison Institute).
In order to expand library services, the Junior League of Tallahassee donated a bookmobile to the library. The vehicle was later donated to the Leon County Sheriff’s Office to be used as a paddywagon for its Road Prison. In 1962, the library moved to the old Elks Club building at 127 North Monroe Street. Public transit in the city of Tallahassee had been desegregated by 1958, but the public library system was only integrated several years later.
In the early 1970s, Jefferson and Wakulla Counties joined the Leon County Public Library System, forming the Leon, Jefferson, and Wakulla County Public Library System. According to the library’s website, “Leon County provided administrative and other services to the two smaller counties, while each supported the direct costs of their library services and their share of Leon’s administrative costs.” In 1975 the system started a branch library in Bond, a predominantly black community on the city’s south side. Wakulla County left the library cooperative in 1975 to start its own library system and in 1978 the main library moved to Tallahassee’s Northwood Mall. Jefferson County left the library cooperative in 1980 and the library reverted to the Leon County Public Library. In 1989, “ground breaking was held on March 4 for a new $8.5 million main library facility with 88,000 feet of space. The site was next door to the library’s original home, The Columns, which had been moved in 1971 to 100 N. Duval.” The new library had its grand opening in 1991 and was renamed in 1993 in honor of former Governor LeRoy Collins.
30°28′N 84°17′W / 30.46°N 84.28°W
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.