Insurance Requirements for Owner Operators Titusville, Florida
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Titusville, 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 Titusville, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Titusville, 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.
Titusville is a city in and the county seat of Brevard County, Florida, United States. As of the 2020 census, the population of the city was 48,789. Titusville is located along the Indian River, west of Merritt Island and the Kennedy Space Center, and south-southwest of the Canaveral National Seashore. It is a principal city of the Palm Bay–Melbourne–Titusville Metropolitan Statistical Area.
Near Titusville is the Windover Archeological Site, a National Historic Landmark recognizing its important collection of human remains and artifacts of the early Archaic Period (6,000 to 5,000 BCE.)
A secondary, de facto county seat was established beginning in 1989 at Viera, Florida, in the geographic center of the county, to better serve the more populous southern portion of the county.
Indigenous peoples had inhabited this area for thousands of years, as shown by discovery in 1982 of the Windover Archeological Site, dating to the early Archaic Period (6000 to 5000 BCE). It has been designated as a National Historic Landmark because of the significance of its remains.
At the time of European encounter, this area was inhabited by the Ais Indians, who gathered palmetto, cocoplum and seagrape berries. They also fished the Indian River, called the Rio de Ais by Spanish explorers. By 1760, however, the tribe had disappeared due largely to infectious disease, slave raids, and the disruptive effects of rum.
The United States acquired Florida from Spain in 1821, and the Seminole Wars delayed settlement of portions of the new territory.
This community was originally called Sand Point, and a post office was established in 1859, although it closed a few months later. Henry T. Titus arrived in 1867, intending to build a town on land owned by his wife, Mary Hopkins Titus, daughter of a prominent planter from Darien, Georgia. He laid out roads and in 1870 erected the Titus House, a large, one-story hotel next to a saloon. He also donated land for four churches and a courthouse, the latter an effort to get the town designated as county seat.
Local history says that Titus challenged Capt. Clark Rice to a game of dominoes to decide the name of the town. Titus won the game, and Sand Point was renamed as Titusville in 1873. The city was incorporated in 1887, the year construction began on St. Gabriel’s Episcopal Church, as listed in the 1972 National Register of Historic Places. At one point, Titusville was nicknamed “The City of Churches”.
The Atlantic Coast, St. Johns & Indian River Railroad reached Titusville in 1885, constructed from Enterprise, Florida. It was connected by a spur line to the Jacksonville, Tampa & Key West Railroad at Enterprise Junction in present-day DeBary, Florida. Henry Flagler extended his Florida East Coast Railroad south from Daytona, building a station at Titusville in 1892. Many tourists arrived by railroad to enjoy the mild winter climate.
In addition, the railroad was a means to ship area produce to northern markets, and the Indian River area increasingly became an agricultural and shipping center for pineapple and citrus goods. A wooden bridge was built east to Playalinda Beach in 1922.
In October 1918, Titusville officials were the first in the county to order closed all places of assembly, including schools, churches, and movies, to avoid spreading the Spanish flu.
Beginning in the late 1950s, the growth of Cape Canaveral, and later the Kennedy Space Center on Merritt Island, stimulated growth in the community’s economy, population and tourism. The association with the space program led to the city’s two nicknames in the 1960s: Space City USA and Miracle City.
Searstown Mall opened in 1966. Miracle City Mall opened in 1968, built on 32 acres (13 ha). It had 275,000 square feet (25,500 m) of covered floor space.
The jail at the county courthouse became overcrowded by the 1980s. A new jailhouse was built in Sharpes in 1986.
Computer Shopper was founded in Titusville in 1979 by Glenn Patch, first as a tabloid. It was later expanded as a magazine of over 800 pages per issue. It was published in Titusville until September 1989. That year operations were to be moved to New York City in a joint venture between Patch Communications of Titusville and Ziff Davis.
The A. Max Brewer Bridge, a 65 feet (20 m) fixed high-level span on SR-406 connecting Titusville to Merritt Island National Wildlife Refuge and Canaveral National Seashore, opened on February 5, 2011, to replace the former swing bridge built in 1949.
In May 2012, the Brevard County School Board closed Riverview Elementary School for budgetary reasons. It closed South Lake Elementary School on May 25, 2013.
In January 2013, Miracle City Mall closed, a victim of a declining local economy after the termination of the Space Shuttle program in 2012. In addition, county population had moved to the south, and changing shopping habits had adversely affected malls across the country. Demolition of Miracle City Mall occurred February 2015. The site has been redeveloped as a mixed-use outdoor shopping complex called Titus Landing.
Because of population decline, the USPS had closed two post offices in Titusville by 2013, and discussed closing a third.
Titusville is located at 28°35′28″N 80°49′12″W / 28.59111°N 80.82000°W (28.591210, –80.819911) in the northern half of Brevard County. According to the US Census Bureau, the city has a total area of 34.2 square miles (88.7 km). 29.4 square miles (76.1 km) of it is land, and 4.9 square miles (12.7 km) of it (14.26 percent) is water. Titusville is located on the Indian River Lagoon, part of the Atlantic Intracoastal Waterway.
The city is the only place in the world where the endangered Dicerandra thinicola, or “Titusville mint” grows. The fields are located along a 13 miles (21 km) strip between the Titusville wellfield and Mims.
Titusville has a humid subtropical climate, with hot, humid summers and mild winters.
As of the census of 2000, there were 40,670 people, 17,200 households, and 11,094 families residing in the city. The population density was 1,913.4 inhabitants per square mile (738.8/km). The racial makeup of the city was 83.80 percent White, 12.64 percent African American, 0.39 percent Native American, 0.94 percent Asian, 0.04 percent Pacific Islander, 0.73 percent from other races, and 1.46 percent from two or more races. Hispanic or Latino of any race were 3.52 percent of the population.
There were 17,200 households, out of which 26.7 percent had children under the age of 18 living with them, 47.9 percent were married couples living together, 12.6 percent had a female householder with no husband present, and 35.5 percent were non-families. 29.9 percent of all households were made up of individuals, and 13.9 percent had someone living alone who was 65 years of age or older. The average household size was 2.32 and the average family size was 2.86.
In the city, the population was spread out, with 22.9 percent under the age of 18, 6.9 percent from 18 to 24, 26.2 percent from 25 to 44, 23.2 percent from 45 to 64, and 20.8 percent who were 65 years of age or older. The median age was 41 years. In 2010, this had risen to 43.4. For every 100 females, there were 90.8 males. For every 100 females age 18 and over, there were 87.1 males.
In 2010, for residents 25 and older, 89.3% had completed high school, 22.6% had at least a bachelor’s degree.
In 2018,Titusville had an estimated population of 45,500 people with a median age of 46.2. The 5 largest racial groups in Titusville are White (Non-Hispanic) (76.7%), Black or African American (Non-Hispanic) (11.4%), White (Hispanic) (5.26%), Two+ (Non-Hispanic) (2.49%), and Asian (Non-Hispanic) (2.13%).
Titusville is run by a council-manager government. The elected city council serves as the city’s legislative branch, while the appointed city manager carries out policies defined by the council. The city is governed according to its Charter, adopted on June 3, 1963.
Titusville has the highest city tax rate in the county. In 2007, the city had a taxable real estate base of $2.34 billion.
The city has 1.8 police officers per thousand residents. This is 52% below average statewide for cities of its size.
A 2011 study rated the pension fund for city employees as mediocre or poor.
Titusville’s five city council members (one of whom is the mayor) are elected at-large to four-year, staggered terms. As the city’s legislative body, the council determines all municipal policies not explicitly covered by the city charter or state legislation. It also adopts ordinances and resolutions, cote appropriations, approve budgets, determine the tax rate, and appoint citizens to serve on advisory boards and commissions.
The mayor presides over all city council meetings and votes as a council member. The mayor is the recognized head of city government for ceremonial and military law purposes, but has no regular administrative duties. The vice mayor is chosen from among the council members at their annual organizational meeting and takes the mayor’s place during absence or disability.
The city manager is chosen by the city council on the basis of training, experience and ability, and serves at the pleasure of the council for an indefinite period of time. The city manager is tasked with enforcing all laws and ordinances, appointing and removing department heads and employees, supervising all departments, keeping the council advised on the city’s financial situation, keeping the council and public informed of the city government’s operations.
The Brevard County Courthouse is located here. A new jail was built outside town to meet current standards. A full range of county services are provided at the county seat.
In 2010, private business was 24.7 percent “other”; 21.5 percent trade, transportation and utilities, 18.1 percent professional and business services; 13.7 percent educational and health services; 12 percent construction; and 10 percent leisure and hospitality. The economy shrunk after lay-offs involving the end of the space shuttle program in 2011, since many employees live in Titusville. Titusville has a high unemployment rate.
In 2000, the median income for a household in the city was $35,607, and the median income for a family was $42,453. This had risen to $44,925 median per household in 2010; $24,374 per capita income. Males had a median income of $36,076 versus $23,998 for females. The per capita income for the city was $18,901. About 9.3 percent of families and 12.4 percent of the population were below the poverty line, including 17.6 percent of those under age 18 and 6.8 percent of those age 65 or over.
In 2018, Titusville, FL had a median household income of $43,765. Between 2017 and 2018 its median household income grew from $42,561 to $43,765.
Many of Titusville’s major employers are aerospace companies. Knight’s Armament Company in Titusville is believed to be the state’s largest manufacturer of small arms. Parrish Medical Center, located in Titusville, is the city’s largest employer. In October 2013, Barn Light Electric Company opened a new manufacturing plant, providing work for at least 60 former NASA workers and men who had completed drug rehabilitation.
The city has benefited from tourism associated with the space program, and the TICO Warbird Air Show each March draws about 40,000–50,000 visitors.
While 47 miles (76 km) from the event, the city gets a noticeable economic effect from bikers on their way to the annual Daytona Beach Bike Week.
The unemployment rate was 3.6% in 2000 and 2005. In 2007, the average size of Titusville’s labor force was 20,716. Of that group, 19,879 were employed and 837 were unemployed, for an unemployment rate of 4 percent. In December 2010, the city had the highest unemployment in the county, 13.8 percent.
As of the census of 2000, there were 19,178 housing units at an average density of 902.3 per square mile (348.4/km). In 2008, 55 building permits for 64 units were issued. This was down from 195 permits for 657 units in 2007. The city issued 292 permits for 360 units in 2006.
In 2001 149 permits were issued for $18.6 million worth of property; 453 in 2005 for $65.7 million; 45 in 2010 for $9.5 million.
The median home price in 2007 was $158,900.
Shopping centers include Walmart Supercenter and Target. They are located in the city’s shopping district at the southern end of the city, near the intersection of State Road 405 (Florida) and State Road 50 (Florida).
The Titusville Public Library is one of seventeen branches within the Brevard County Library System, and it was one of the first of five public libraries in Brevard County, Florida. The birth of the Titusville library began in 1900 due to the efforts of the Progressive Culture Club. The goal of the club was to “promote social intercourse, and to encourage and develop good literary taste.” Working with the newly formed Titusville Library Association, the club was able to acquire enough funds to open an official library in 1922 at the corner of Washington and Palmetto Streets. The library was located on the second floor, while the first floor was used for club space. The Progressive Culture Club and the Titusville Library Association later merged to form the Women’s Club. In 1949, the library moved in to the Women’s Club on Hopkins Avenue. The club continued to operate it until 1954 when it officially became the library for North Brevard. Eventually, this building became inadequate, and the library was briefly relocated to an abandoned canning plant. This location made the library more accessible to the public.
In 1957, the Women’s Club helmed a project to open a new Titusville Public Library. Designed by Frans Larson, the new library opened at Draa Road and Park Avenue in 1962. The library was renamed the Mildred Bruner Memorial Library in 1966 in honor of the longtime Titusville civic leader. The library closed in July 1972 after the North Brevard Public Library opened. The North Brevard Art League (formerly Titusville Art League) took over the building.
Another Titusville public library known as The Indian River City Public Library, was originally located in south Titusville in the lobby of a post office. Construction for a new Indian River City Library building began in September 1958 at the corner of Coquina and Magnolia and was opened by November of that year. The branch continued to operate until July 1972.
In July 1968, local residents were polled to see if there was enough support to open a large library facility that would replace the antiquated Indian River City Public Library and the Mildred Bruner Memorial Library. On November 4, 1969, residents voted for a one million tax referendum that helped finance the opening of a new public library. At one point, there were plans to open the library at the former Miracle City Shopping Center location. The developers of the center passed on the idea, and the plan was abandoned. After a series of delays, the North Brevard Public Library, opened at its South Hopkins location on July 31, 1972. The building was designed by architect Dick Lemon of Dick Lemon and Megginson Architectural firm. A total of 43,000 books were hauled to the new library from the Indian River County Library and Mildred Bruner Memorial Library. In 1979, the library expanded its space following a donation from the Jacob Hannamann family. Three rooms are named in the family’s honor.
Prior to COVID-19, the library provided a variety programs, including Master Gardeners, Line Dancing, volunteer-operated food drives, and Coloring Club for adults. Youth programs included Storytime, Crafts, and Teen Game Night. Other lessons included basic cooking, chess, upcycling and sustainability topics, and yoga. The library also provides eBooks, audiobooks, music, and other digital media via Hoopla and OverDrive.
The library also houses the Nancy Sieck Memorial Genealogy Area. Although it’s not the largest of Brevard County’s Genealogical Collections, it holds over 2200 genealogy books, over l00 periodicals, as well as microfiche and film with over 2200 books, over 100 periodicals, microfiche and film. Volunteers are in the library on Thursdays to help with research. The Library also has a microfilm machine to aid in research.
In 2015, a former patron left the Titusville Public Library a donation of about $860,000. This has been the largest donation made to the Brevard County Library System to date. Renovations started in 2017 and were completed in 2018.
In 2012, the Titusville branch and other Brevard County Public Libraries faced scrutiny after pulling 50 Shades of Grey from their shelves citing that it did not meet their selection criteria and for its erotic content. This decision was quickly rescinded after public outcries of censorship
The Titusville Public Library and other Brevard County Libraries have a strong social media presence on Facebook, Twitter, and Instagram where they update their community on upcoming events, collaborations, collection alterations or acquisitions, and any shifts in the library industry.
As of 2006, the city owned water utility drew about 3.8 million US gallons (14 million L) of its water supply from two wellfields tapping a surficial aquifer. A new wellfield drawing 2.75 million US gallons (10.4 million L) per day from the Floridan aquifer was added in 2016. The water department had 22,000 customers in 2010.
Titusville is served by SCAT’s #1, #2, and #5 routes.
Parrish Medical Center, originally established as North Brevard Hospital in 1958, is the hospital that serves Titusville. A new 371,000-sq.ft., $80 million hospital was completed in 2002. It was the first medical center in the Southeast region designed and constructed using the 7 Principles of Evidence-Based Design to create a healing environment. It was also among the first participants of The Pebble Project, a national research initiative to demonstrate that healing environments improve overall quality of care and create life-enhancing environments for patients, families and employees.
It was estimated in 2007 that 88.1 percent of all Titusville residents 25 years or older are high school graduates, and 23.6 percent have a bachelor’s degree or higher.
Primary and secondary public schools are run by the Brevard County School Board:
Small Fleet Commercial Truck Insurance
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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.