Insurance Requirements for Owner Operators Sunrise, Florida
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Sunrise, 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 Sunrise, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Sunrise, 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.
Sunrise is a city in central-western Broward County, Florida, United States, and is a principal city of the Miami metropolitan area. As of the 2020 census, the city had a total population of 97,335.
Sunrise was incorporated in 1961 and founded by Norman Johnson, a developer whose Upside-Down House attracted buyers to what was then a remote area.
In 1960, Iowa-born developer Norman Johnson paid $9 million for 2,650 acres of land in southwestern Broward County. By 1961, this community of 1.75 square miles—which Johnson named Sunrise Golf Village—had fewer than 350 residents.
It has been reported that the community was to be named Sunset Village—but this did not occur because of objections from residents who felt that “sunset” was too final. (Originally called “Sunset,” the name did not sit well with the retirees whom developers wanted to attract, so a change was made to “Sunrise.”)
Johnson and F. E. Dykstra developed and built an “upside-down house” to lure prospective property buyers. The home was completely furnished, and the carport featured an upside-down automobile. Public interest was aroused through numerous news stories—including a feature in Life magazine. The structure became a national attraction that drew thousands to the Village. People came to stand on the ceiling—and many stayed to make their home in the community.
In 1961, Norman Johnson was appointed by Governor C. Farris Bryant as the first Mayor of Sunrise Golf Village.
According to “City of Sunrise Golf Village,” a booklet produced by the City in 1969: “On January 10, 1967, (a date called for by City Charter) Sunrise Golf Village emerged from a developer’s operation into a free city under complete control of its residents. Also, on this auspicious date, the City elected a Mayor and seven Councilmen to four-year terms of office. The City of Sunrise Golf Village which comprises 3 1/2 square miles, has no air pollution or drainage problems, all paved streets, and street lighting throughout the entire City.”
That first elected mayor was John Lomelo Jr.—a former Miami nightclub owner who was drawn to Sunrise Golf Village by the Upside-Down House.
Originally known as Sunrise Golf Village, the City had a population of 4,300 and comprised just 1.75 square miles by 1967. Then, during the 1970s—as Broward County began to push west—the City experienced its first real growth.
In 1971, the City, by referendum, changed its name to the City of Sunrise. Through annexation, Sunrise eventually expanded to its current boundaries—encompassing more than 18 square miles, reaching the Everglades and dropping south of I-595/State Road 84. The City is situated approximately six miles west of Fort Lauderdale, and is adjoined by the communities of Weston, Davie, Tamarac, Lauderhill, and Plantation.
By October 1984, the City had reached an estimated population of 50,000. In the mid-1980s, growth gave way to challenges, as the City was faced with financial difficulties, limited economic opportunities and a lack of adequate civic amenities. In the early 1990s, Sunrise worked to put its financial house in order, rebuild its infrastructure and establish itself as a center for business headquarters. It is the site of Sawgrass International Corporate Park—at 612 acres, the largest corporate park in south Florida.
In 1990, the first phase of Sawgrass Mills opened in Sunrise. Due to its continued popularity and expansion, the shopping and entertainment center has grown to almost 2.3 million square feet. It features 350 outlet and value retailers; food courts and full-service restaurants; movie theater and family entertainment venues.
The National Car Rental Center—now the FLA Live Arena—opened its doors in 1998. The arena is the home of the National Hockey League’s Florida Panthers, and hosts top entertainers and events.
Thanks in large part to these shopping and entertainment destinations, Sunrise has become one of Florida’s top tourist draws. Its location at the center of Miami-Dade, Broward and Palm Beach counties—in close proximity to the Florida Turnpike and I-95, and bordered by the Sawgrass Expressway, I-75 and I-595—makes Sunrise accessible to area residents and visitors alike.
Sunrise operates its own utility services (water, wastewater, and natural gas), as well as municipal fire-rescue and police departments. The City also maintains its own system of parks, as well as a soccer club, golf course, tennis club, playgrounds and swimming pools. The Sunrise Civic Center includes a 300-seat theater, an art gallery, an athletic club, and banquet facilities. Sunrise is also home to eleven public schools.
In September 2010, Sunrise was “lost” by Google Maps. Individuals attempting to get driving directions or locate a business in Sunrise were redirected to Sarasota, Florida. This was the third time this occurred in Sunrise’s history.
On February 2, 2021, a shootout occurred between a gunman and several FBI agents at an apartment complex in Sunrise. At the time, the agents were serving a federal warrant related to a child exploitation case. Two FBI agents were fatally shot and three others were injured. The gunman, who was the subject of the warrant, was later found dead after barricading himself inside the apartment. The shootout was the most violent incident in the FBI’s history since the 1986 shootout that left two agents dead and five others injured, and it was also the first time an agent was fatally shot in the line of duty since 2008.
As of the 2020 United States census, there were 97,335 people, 39,427 households, and 22,112 families residing in the city.
As of 2010, there were 37,609 households, with 13.6% being vacant. As of 2000, 33.4% had children under the age of 18 living with them, 48.6% were married couples living together, 13.8% had a female householder with no husband present, and 33.2% were non-families. 27.2% of all households were made up of individuals, and 14.4% had someone living alone who was 65 years of age or older. The average household size was 2.54 and the average family size was 3.12.
In the city, the population was spread out, with 24.9% under the age of 18, 7.3% from 18 to 24, 31.7% from 25 to 44, 18.4% from 45 to 64, and 17.7% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 87.9 males. For every 100 females age 18 and over, there were 82.5 males.
The median income for a household in the city was $40,998, and the median income for a family was $47,908. Males had a median income of $35,706 versus $28,147 for females. The per capita income for the city was $18,713. About 7.3% of families and 9.7% of the population were below the poverty line, including 12.3% of those under age 18 and 12.5% of those age 65 or over.
As of 2000, speakers of English as a first language accounted for 71.92%, while Spanish was 16.75%, French Creole was at 2.53%, Yiddish at 1.14%, Portuguese at 1.01%, Italian at 0.84%, French at 0.83%, Hebrew at 0.61%, and Chinese at 0.59% of the population.
As of 2000, Sunrise had the 107th highest percentage of Cuban residents in the US, at 2.29% of the city’s population, and the sixtieth highest percentage of Colombian residents in the US, at 2.44% of the city’s population (tied with Weehawken, New Jersey.) It also had the fourteenth most Jamaican-populated area in the US, with 7.6% of all residents, and the fifty-third highest concentration of Haitians (tied with Lake Alfred and Miami Gardens’ Bunche Park neighborhood) at 2.8% of the population.
Sunrise’s tax base includes FLA Live Arena, Sawgrass Mills, Sawgrass International Corporate Park, IKEA and other commercial developments. Quality job creation through corporate attraction has long been a priority in the City.
Sunrise includes branches of Coventry Healthcare; AT&T – Regional HQ; United Healthcare; Mednax – HQ; HealthTrust Workforce Solutions – Corp HQ: BlackBerry; General Dynamics; Broadspire – HQ; Publix; Interim Services; FoxConn; Andrx; BHA Engineering – HQ; HG Holdings – HQ; MDR Fitness – HQ; S&B Industry – HQ; Grant Thornton – Regional HQ; Cigna Healthcare; Norwegian Cruise Line (NCL); Marsh Insurance – Regional HQ; CoreLogic; New York Life; Pet Supermarket – HQ; T-Mobile; Sunshine Health – HQ; International Bullion Brokers – HQ; Bolton Medical – U.S. HQ; Synergistix – HQ; HBO – Latin America HQ; GL Homes – HQ; Prudential Florida Realty – HQ; Federal-Mogul – South America HQ; Martin Professional – U.S. HQ; E. & J. Gallo Winery – South America HQ; Chubb Insurance – Latin America HQ; Wendy’s – Latin America HQ; IKEA; American Express Headquarters.
Air France’s United States reservations call center is located in the Sawgrass Technology Park in Sunrise.
CIGNA Healthcare has a large service and operations center in Sunrise.
Emerson Electric Company announced on July 26, 2011 that it would locate its Latin America headquarters at Sawgrass International Corporate Park.
The City of Sunrise announced a New Homebuyer Incentive Program on January 20, 2012. Under this innovative new program, The City of Sunrise will reimburse homebuyers up to $2,000 for select improvements to a newly purchased single-family foreclosure or short sale home. The new program is an effort to attract new residents to Sunrise – and benefit existing residents by helping to improve the appearance and property values in Sunrise neighborhoods.
Sunrise hosts events throughout the year in celebration of holidays, seasons and other occasions. Highlights include:
Earth Day Festival: This celebration of green living sponsored by the city’s Utilities Department. The Earth Day Festival features live music; children’s rides and activities; a farmer’s market; unique, handcrafted goods, ethnic and traditional foods, and eco-conscious organizations. Giveaways include BPA-free water bottles that can be filled throughout the day at the City’s complimentary water station.
Cultural Festival: Designed to celebrate, highlight and unify the diverse cultures represented in the City, the festival showcases multi-ethnic foods, music, art, and dance. This event is held each November in City Park.
Harvest Festival: Held each October, this festival includes costume contests, horse-drawn hayrides and an old fashioned pumpkin patch.
Fourth of July Parade & Fireworks: This regional celebration begins with a patriotic parade, followed by a family-friendly party with free food, rides and live entertainment. The evening’s events – made possible by a public/private partnership with the former Bank Atlantic Center, now BB&T Center – include fireworks and live music.
Woodstock: This annual event features hand-made crafts from local artists. Held the first weekend in December, it is a popular event and also features local musical talents, among other entertainment.
Sunrise’s FLA Live Arena is the home of the Florida Panthers of the National Hockey League. The arena also hosts concerts, circuses, ice shows and other events. The venue’s 2011 first-quarter, non-hockey attendance numbers ranked No. 4 in the United States and No. 17 in the world based on calculations by entertainment trade publication Pollstar.
In 2015, the local girls youth soccer club Sunrise l9veSC recorded 3 state championships out of 6 age groups (U14, U15, and U17). In 2016, the U15 and U17 teams qualified for the US Youth Soccer National League with the U15 finishing second and the U17 finishing third.
In 2010, Sunrise finished the complete renovation and rebranding of its executive course, Seven Bridges at Springtree Golf Club. The 67-acre facility first opened in 1972. It now features a 7,000-square-foot clubhouse with a pro shop, locker rooms and a 120-seat dining area available for breakfast, lunch and catered events.
The City also operates the 15-court Sunrise Tennis Club, three pools, and more than 250 acres of park land.
The Sunrise Suns Wheelchair Basketball Team originally began as a recreational team under the umbrella of Spinal Cord Injury Support Group, Broward chapter. Dr Lauren Lerner, Fran Wade and Sue Krinsky all of HealthSouth Sunrise Rehabilitation Hospital as well as members of the board of directors for the Spinal Cord Injury Support Group saw a need to develop a wheelchair basketball program for the disabled.
The City of Sunrise operates under a commission/manager form of government, led by a mayor and four city commissioners who are elected to four-year terms on a non-partisan basis. The deputy mayor and assistant deputy mayor are selected on a rotating basis in March of each year.
It is the commission’s responsibility to set policy, establish laws and adopt the city’s budget. The commission-appointed city manager oversees the day-to-day operations of Sunrise.
Commission meetings are typically conducted on the second and fourth Tuesday of each month in City Hall. Live and archived video of public meetings is available on www.sunrisefl.gov. Meetings are also rebroadcast on local Comcast Cable Channel 78.
Sunrise is a full-service city with a comprehensive array of departments, including: Finance and Administrative Services, City Attorney, City Clerk, City Manager, Community Development, Leisure Services, Information Technology, Human Resources, and Utilities.
Sunrise is home to 11 public schools – eight elementary schools, two middle schools, and one high school – operated by Broward County Public Schools. Higher education is offered by nearby public and private institutions, including Broward College, Barry University and Nova Southeastern University.
The Sunrise Utilities Department operates a water and wastewater system that spans approximately 70 miles and serves more than 200,000 residential and commercial customers. The system consists of over 500 miles of water distribution mains; over 600 miles of sewer piping and mains; 200 wastewater and pump stations; three water treatment facilities; four water re-pump facilities and three wastewater treatment plans.
The Utilities Department also oversees the sixth largest municipal gas system in Florida, serving nearly 10,000 homes and businesses.
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.