Insurance Requirements for Owner Operators Little Havana, Florida
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Little Havana, 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 Little Havana, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Little Havana, 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.
Little Havana (Spanish: Pequeña Habana) is a neighborhood of Miami, Florida, United States. Home to many Cuban exiles, as well as many immigrants from Central and South America, Little Havana is named after Havana, the capital and largest city in Cuba.
Little Havana is noted as a center of social, cultural, and political activity in Miami. Its festivals, including the Calle Ocho Festival, Viernes Culturales/Cultural Fridays, the Three Kings Parade and others, have been televised to millions of people every year on different continents. It is also known for its landmarks, including Calle Ocho (SW 8th Street/Tamiami Trail), and its Walk of Fame (for famous artists and Latin personalities, including Celia Cruz, Willy Chirino, and Gloria Estefan), the Cuban Memorial Boulevard, Plaza de la Cubanidad, Domino Park, the Tower Theater, José Martí Park, the Firestone/Walgreens Building, St. John Bosco Catholic Church, Municipio de Santiago de Cuba and others.
Little Havana is the best known Cuban exile neighborhood in the world. It is characterized by its street life, restaurants, music and other cultural activities, small business enterprises, political passion, and great warmth among its residents.
In 2015, Little Havana was included in the National Trust for Historic Preservation’s annual list of 11 Most Endangered Places. In 2017, the Trust declared it a national treasure.
Originally a lower-middle-class Southern and thriving Jewish neighborhood in the 1930s, “Little Havana” emerged in the 1960s as the concentration of Cubans in the area grew sharply. Today, “Little Havana” refers to the neighborhood lying immediately west of Downtown Miami, stretching west from the Miami River for roughly two and a half miles. This sobriquet was applied to the Shenandoah and Riverside neighborhoods in the 1960s, following the beginnings of a vast influx of Cuban refugees there. Little Havana is famous as the cultural and political capital of Cuban Americans, and the neighborhood is a center of the Cuban exile community.
In the 1960s, the number of Cubans fleeing the Castro regime led the area to become a hotbed of counter-revolutionary activity. Arriving residents expected their stay in Miami would be temporary, hoping Castro would be deposed. By 1970, the neighborhood was more than 85% Cuban; rather than return to Havana, where Castro remained in power, Cuban Americans began permanently settling in neighborhoods across Miami. Little Havana, however, remained the main landing point for new immigrants and a stronghold for Cuban-owned businesses.
As of 2011, Little Havana boasts the highest concentration of Hispanics (98%) in Miami. Within the Hispanic population, the Cuban population has experienced a substantial decrease from 84% in 1979 to 58% in 1989; groups of Hispanics from other places, especially Nicaragua, Honduras, and other Central American countries, have substantially increased since the late 1990s. Despite the increasing diversity, most neighborhood businesses are still Cuban-owned.
As of 2000, Little Havana had a population of 49,206 residents, with 19,341 households, and 11,266 families residing in the neighborhood. The median household income was $15,213.16. The ethnic makeup of the neighborhood was 85.08% Hispanic or Latino of any race (mainly Cubans, but also many Nicaraguans and Hondurans, as well as other Latinos), 3.79% Black or African American (not including Afro-Cubans, Afro-Nicaraguans, Afro-Hondurans, and other Afro-Latinos), 10.14% Non-Hispanic White, and 0.96% of other races.
The South River Drive Historic District is a historic district within the City of Miami’s Little Havana neighborhood. In 1987, the Miami City Commission created the locally designated district. Later that year, the National Park Service added the district to the National Register of Historic Places. Located on the eastern end of the neighborhood along the Miami River, the district is just west of Downtown Miami. The district includes 428, 438 Southwest 1st Street, 437 Southwest 2nd Street, 104, 109, 118 Southwest South River Drive. It contains 9 historic buildings.
The South River Drive Historic District derives its significance from both its architectural and cultural history. Developed principally in the first two decades of the twentieth century, the historic district contains the city’s oldest extant group of vernacular frame buildings near the Miami River.
Designated on April 7, 2015 by the Historic and Environmental Preservation Board, the Riverview Historic District is a city of Miami historic district located west of Downtown Miami within the Little Havana neighborhood.
The locally designated historic district comprises single and multi-family residences and commercial structures in the Bungalow, Mission, Mediterranean Revival, and Miami Modern styles of architecture.
Viernes Culturales (English: Cultural Fridays) is an artistic, cultural, and social arts and culture fair that takes place on the last Friday of each month in the historic Little Havana neighborhood of Miami in the heart of Calle Ocho (8th St. SW between 14th and 17th Avenues).
The event consists of outdoor musical performances on a stage and along the sidewalks of Calle Ocho, art exhibits along the sidewalk and in plazas and open spaces, visits to art galleries and cultural centers, cuisine tasting at participating restaurants, and films, art exhibits, and educational programs at the historic Tower Theatre. Free walking tours, led by Miami historian Dr. Paul George leave from the Tower Theater at 7pm during each festival day.
Miami-Dade County Public Schools runs area public schools. Schools within Little Havana include:
Miami-Dade Public Library operates all area public libraries:
Little Havana hosts its annual Calle Ocho street festival (part of the overall Carnaval Miami celebration), one of the largest in the world, with over one million visitors attending Calle Ocho alone. It is a free street festival with a Caribbean carnival feel sponsored by the Kiwanis Club of Little Havana.
Calle Ocho is where different ethnic communities wear colors or flags representing pride in their heritage. Flags from Colombia to Nicaragua to Puerto Rico to Costa Rica and even Ireland flood the streets. Foods from different countries are usually present for purchase, and popular Latin music like reggaeton, salsa, bachata and merengue can be heard throughout the festival.
In 1977 tensions among Miami’s different ethnic groups were running high. Eight Cuban-Americans, mostly from the Kiwanis of Little Havana, were trying to come up with ideas to address the situation. They considered a bicycle race on SW Eighth Street (Calle Ocho). It was turned down because the organizers feared that it would pit one ethnic group against another. Willy Bermello came up with the idea of doing something similar to the block parties and street festivals of Philadelphia. Calle Ocho was born.
The festival takes place between 27th Ave and 4th Ave along Southwest 8th Street. Over 30 stages and hundreds of street vendors participate in the live music street festival now in its 4th decade. Calle Ocho earned an entry in the Guinness Book of World Records when 119,986 people formed the world’s longest conga line on March 13, 1988.
In 2010, the Florida legislature identified the Calle Ocho-Open House 8 festival as the official state festival.
25°46′21.28″N 80°12′52.52″W / 25.7725778°N 80.2145889°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.
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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.