Insurance Requirements for Owner Operators Royal Palm Beach, Florida
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Royal Palm Beach, 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 Royal Palm Beach, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Royal Palm Beach, 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.
Royal Palm Beach is a village in southeast Florida, located within Palm Beach County. Despite its name, the village is located approximately fifteen miles inland from the Atlantic Ocean. It is part of South Florida’s Miami Metropolitan Area. The population was at 38,932 residents in the 2020 US census.
Royal Palm Beach is known for its many parks and general mission to protect green space, as evidenced by the recent acquisition of 190 acres (0.77 km) to create a master central park and the development of 25 acres (100,000 m) preserved into a passive bird watching and nature park. The village offers a variety of activities for the outdoor and sports enthusiast including soccer, basketball, tennis, Pop Warner youth football and cheerleading, senior activities, and year-round golf programs. The public schools within the Village consist of “A”-rated elementary and middle schools and there are numerous private schools offering classes from pre-kindergarten through high school.
Incorporated on June 18, 1959, Royal Palm Beach has grown from a primarily uninhabited swamp and natural preserve and former Seminole hunting ground into a thriving village.
It was not until the 1950s, when Philadelphia supermarket magnates of Food Fair, Sam and Hattie Friedland, purchased 65,000 acres (260 km) for approximately $1.25 million in what is now the Royal Palm Beach village and The Acreage areas, that the natural wilderness landed on national fastest growing community lists (in its size category) in the 1980s. The Friedlands subsequently sold their land to Miami developer Arthur Desser, founder of Lefcourt Realty Group. About 4,200 acres (17 km) were earmarked for Desser’s Royal Palm Beach development.
It was Desser’s vision that spurred the initial development of the Village of Royal Palm Beach. A massive drainage project ensued and in 1959, the state legislature granted a charter which named the development Royal Palm Beach.
According to a former Lefcourt engineer living in nearby Wellington, Desser wanted the name “Palm Beach” to be included in the new community’s name, so it was decided that since Desser also liked the stately royal palms of Palm Beach, he would dub his development “Royal Palm Beach.”
On June 30, 1959, with Seminole tribe officials on hand for the festivities (and to renounce all former claims to the land), a groundbreaking ceremony was held. Engineering began for the village’s myriad waterways and a basic system of roads. A sales/recreational center was built with a motel facility in the area now occupied by the Royal Inn and two bedroom, one-bath model homes were erected starting at $8,250.
Village government—initially in the form of a developer-appointed council—later became popularly elected in 1964. Not until 1977 did the Village Council find a permanent home in the present Village Hall complex. To date, there have been 15 mayors who have served the village—some as single-term and part-term mayors—others, like Sam Lamstein (1982–1990), formal County Commissioner Tony Masilotti (1992–1998), and current Mayor David Lodwick (since 1998) have won voter approval for multi-terms.
Arthur Desser’s dream of a “nouveau” Palm Beach were short-lived, however, with the bankruptcy of Lefcourt in 1961. His interest was bought out by Friedland who then established Royal Palm Beach Colony Inc. to continue village development. A grocery store magnate with no experience in the housing market, Friedland nonetheless was a savvy businessman who put together a team of professionals who set up a comprehensive land sales/development/building enterprise. With the late Herbert Kaplan as RPB Colony CEO, the company and the town grew slowly from 1960-67 — first in the original “Colony” section of floral-named streets east and west of the southern end of Royal Palm Beach Blvd., and then expanded with vigor into the Willows and LaMancha subdivisions (east of RPB Blvd.).
A marketing push began in 1979 to offer to builders tracts of land. With this growth phase the Village ballooned over the next 15 years. In 1983, Crestwood Middle School opened as the first community school followed in 1985 and 1989, respectively, by H.L. Johnson and Cypress Trails Elementary schools. Royal Palm Beach High School opened its doors to 1,100 students in 1997. Schools in the western communities continue to open in rapid succession — often with student bodies at or near capacity the first year. The 2002–2003 school year included the opening of the village’s third elementary school on Okeechobee Blvd., just west of the Madison Green residential development.
In 1986, both Palms West Hospital and Wellington Regional Medical Center opened with 117 and 120 beds, respectively, and both are continuing with major expansion projects to meet the health care needs of local residents. With the hospitals came a building boom of medical office complexes on the campuses of both hospitals, as well as a Royal Palm Beach health center built by West Palm Beach’s Good Samaritan Medical Center.
Since the village’s inception, public safety has been foremost in the minds of residents and village officials. In June 1960, Joseph Klopp became the first Royal Palm Beach police chief. That first year, “Klopp the Cop” was the sole full-time officer with several auxiliary part-timers. Today, the accredited department counts nearly 50 sworn officers in addition to dispatchers, school crossing guards, detectives, a captain, and the chief based in a modern, computerized department in a building within the Village Hall complex. In 2007 the policing duties were contracted out to the Palm Beach County Sheriff’s department with a significant savings to the Village taxpayers.
Royal Palm Beach residents have also appreciated the security of a local fire department since a volunteer force of eight individuals was recruited in a construction trailer in January 1963. In 1969, the department moved its headquarters to a maintenance building in the present Commerce Park, which featured three bays and two trucks. A final move in 1976 to the department’s building on Royal Palm Beach Blvd. enabled the department to expand its manpower and equipment. At that time, the department shared the building with the police department.
Village firefighters weren’t paid until 1972 and the two full-timers on staff made about $6,000 a year. The following year, three more full-time firefighters were hired, and in 1975, Karl Combs became the first full-time chief at a salary of $13,500 a year. With a growing population, and thankfully few structural fires, the focus of the department expanded to include emergency medical treatment. Combs and a department lieutenant were enrolled in the county’s first paramedic-rescue course and, less than a week later, answered a cardiac arrest call for a village resident who would have died had Combs not taken the course. Within the next four years, the department hired 18 additional paramedic/EMT trained firefighters. A second station opened in 1994 at the entrance of the Counterpoint Estates to cut response times to residents living in the State Road 7 area. In March 1999, following a council-authorized study by consultants, a controversial and much-debated decision was made to curtail an independent village fire department and instead merge equipment and personnel with Palm Beach County Fire-Rescue.
Village recreation needs were not overlooked during the booming growth period and since 1974. Under the department’s purview are approximately 325 acres (1.32 km) of parks and green space as well as the village’s 6,300-square-foot (590 m) Cultural Center which opened in 1993.
Since 1990, Royal Palm Beach has been named as a Tree City USA. Its entire area is designated as a bird sanctuary.
Royal Palm Beach is located at 26°42′21″N 80°13′36″W / 26.70583°N 80.22667°W (26.705851, –80.226554).
According to the United States Census Bureau, the village has a total area of 10.1 square miles (26.1 km), of which 9.9 square miles (25.6 km) is land and 0.2 square mile (0.5 km) (1.79%) is water.
The climate of Royal Palm Beach is tropical.
As of the 2020 United States census, there were 38,932 people, 12,090 households, and 9,342 families residing in the village.
As of 2010, there were 12,854 households, out of which 10.1% were vacant.
In 2000, there were 7,604 households, of which 63.9% were child-free married couples, 42% had children under the age of 18 living in them, 11% had a female householder with no husband present, and 21.4% were non-related individuals. 17.2% of all households were made up of individuals, and 8.8% had someone living alone who was 65 years of age or older. The average household size was 2.83 and the average family size was 3.20.
In 2000, the village, the population was spread out, with 28.6% under the age of 18, 6.5% from 18 to 24, 30.8% from 25 to 44, 20.8% from 45 to 64, and 13.3% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 91.3 males. For every 100 females age 18 and over, there were 87.6 males.
In 2000, the median income for a household in the village was $54,766, and the median income for a family was $61,063. Males had a median income of $39,356 versus $29,991 for females. The per capita income for the village was $21,875. About 3.7% of families and 4.3% of the population were below the poverty line, including 5.2% of those under age 18 and 5.9% of those age 65 or over.
As of 2000, speakers of English as a first language accounted for 85.80% of all residents, while Spanish was at 11.49%, and Tagalog as a mother tongue made up 0.48% of the population.
As of 2000, Royal Palm Beach had the eighty-ninth highest percentage of Cuban residents in the US, with 2.95%, while its Jamaican community had the thirty-second highest percentage in the US, with 4.10% of the population (tied with Tamarac and Goulds.)
Royal Palm Beach is governed by a mayor-council government.
The Mission of the Village of Royal Palm Beach Mayor and Council is to represent the public interest, promote quick, courteous response to residents’ problems, provide leadership and direction to the Village’s future, and assure the present and future fiscal integrity of the municipal government. The Village of Royal Palm Beach strives to provide its citizens with a clean, safe, family oriented community.
The Mayor of Royal Palm Beach is currently Fred Pinto. His term expires in March 2024.
The city council consists of four chairs. The following are established and filled as:
Currently, Palm Beach County Fire-Rescue provides fire protection and emergency medical services to the citizens of Royal Palm Beach. There are two fire stations assigned to the village:
Station 28 is the headquarters for Battalion 2, which covers Royal Palm Beach and the other Palms West Communities.
Law enforcement in Royal Palm Beach is provided by the Palm Beach County Sheriff’s Office: District 9, which operates from a sub-station in Royal Palm Beach, and is staffed by 56 sworn deputies and 5 civilian employees. It is commanded by Captain Ulrich Naujoks and Lieutenant Michael B. Ferrante.
Located at 9300 Belvedere Road, the USCIS West Palm Beach Field Office handles a variety of immigration matters for eight Florida counties.
The Town-Crier is a weekly, or more frequent, newspaper specifically located in and serving the Palms West Communities of Royal Palm Beach, Wellington, Loxahatchee Groves and The Acreage. Published weekly, the Town-Crier was founded by Bob Markey Sr. and family, but was sold in 1998 to the Manning family. The Town-Crier was published twice-weekly, with featured editions in nearby communities, on its own printing presses during the 1980s and early 1990s. The Town-Crier published the first newspaper Web site in Palm Beach County in 1995.
Palms West Monthly is a monthly news and features paper published by Rob Harris in and for the communities of Royal Palm Beach, Wellington and environs.
The Palm Beach Post is a daily newspaper serving all of Palm Beach County.
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.
