Owner Operator Insurance Cost Aventura, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Aventura, 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 Aventura, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Aventura, 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.
Aventura is a planned, suburban city in northeastern Miami-Dade County, Florida, United States, 15 miles (24 km) north of Miami and part of South Florida’s Miami metropolitan area. The city is especially known for Aventura Mall, the third largest mall in the United States by total square feet of retail space and the largest mall in Florida.
The city name is from the Spanish word for “adventure”, and was named “Aventura” after the developers of the original group of condominiums in the area, Eddie Lewis and Don Soffer, who had remarked “What an adventure this is going to be.”
As of the 2020 census, the city population was 40,242, up from 35,762 in 2010.
Initially referred to as “Turnberry”, Aventura began to be developed during the early 1970s and became an incorporated city in 1995. The Aventura Police Department was formed in 1997.
The city is home to the luxury resort Turnberry Isle, where the yacht Monkey Business was docked during the Gary Hart/Donna Rice incident, which contributed to Hart’s ending his 1988 bid for the presidency.
Aventura is also home to the Aventura Mall, the third-largest shopping mall in the US. Built in 1983, it is a joint venture of Turnberry Associates and Simon Property, and brings a major source of income to the city.
In early 2001, former US President Bill Clinton delivered one of his first speeches after leaving the White House at Aventura-Turnberry Jewish Center.
Aventura is located in northeastern Miami–Dade County at 25°57′52″N 80°08′09″W / 25.964345°N 80.135818°W. It is bordered to the east by Golden Beach and Sunny Isles Beach, to the south by North Miami Beach, and to the west by unincorporated Ojus. It is bordered to the north by Hallandale Beach in Broward County. U.S. Route 1 (Biscayne Boulevard) runs along the western edge of the city, leading south 15 miles (24 km) to Downtown Miami and north 12 miles (19 km) to Fort Lauderdale.
According to the United States Census Bureau, the city has an area of 3.5 square miles (9.1 km). Of that, 2.6 sq mi (6.7 km) are land and 0.9 sq mi (2.3 km) (24.73%) are water. The Atlantic Intracoastal Waterway and Dumfoundling Bay form the eastern border of the city, while the southern border is within Maule Lake.
Aventura has a tropical monsoon climate (Köppen climate classification Am) with hot and humid summers and short, warm winters, with a marked drier season in the winter. The city sees most of its rain in the summer (wet season) and is mainly dry in winter (dry season). The wet season, which is hot and humid, lasts from May to September, when it gives way to the dry season, which features mild temperatures with some invasions of colder air, which is when the little winter rainfall occurs-with the passing of a front. The hurricane season largely coincides with the wet season.
In addition to its sea-level elevation, coastal location and position just north of the Tropic of Cancer, the area owes its warm, humid climate to the Gulf Stream, which moderates climate year-round. A typical summer day does not see temperatures below 75 °F (24 °C). Temperatures in the high 80s to low 90s (30–35 °C) accompanied by high humidity are often relieved by afternoon thunderstorms or a sea breeze that develops off the Atlantic Ocean, which then allow lower temperatures, although conditions still remain very muggy. During winter, humidity is significantly lower, allowing for cooler weather to develop. Average minimum temperatures during that time are around 59 °F (15 °C), rarely dipping below 40 °F (4 °C), and the equivalent maxima usually around 75 °F (24 °C).
Hurricane season begins June 1 and is officially over November 30. Aventura was severely hit by Hurricane Wilma on October 24, 2005 and was still undergoing recovery as of November 2011. The library was destroyed and has been rebuilt. Terraces flew off of high-rises and condos on high floors were flooded with many of their walls exploding into next-door apartments and adjacent hallways. Countless high-rise windows exploded and electricity stopped.
As of the 2020 United States census, there were 40,242 people, 18,035 households, and 9,370 families residing in the city.
In 2010, there were 26,120 households, out of which 31.5% were vacant. As of 2000, 11.3% had children under the age of 18 living with them, 39.6% were married couples living together, 6.2% had a female householder with no husband present, and 52.2% were non-families. 45.3% of all households were made up of individuals, and 23.2% had someone living alone who was 65 years of age or older. The average household size was 1.79 and the average family size was 2.45.
In 2000, the city population was spread out, with 10.1% under the age of 18, 4.6% from 18 to 24, 26.5% from 25 to 44, 23.6% from 45 to 64, and 35.2% who were 65 years of age or older. The median age was 53 years. For every 100 females, there were 80.2 males. For every 100 females age 18 and over, there were 77.9 males.
As of 2000, the median income for a household in the city was $44,526, and the median income for a family was $59,507. Males had a median income of $50,791 versus $37,682 for females. The per capita income for the city was $41,092. About 5.6% of families and 9.1% of the population were below the poverty line, including 8.5% of those under age 18 and 8.5% of those age 65 or over.
As of 2000, speakers of English as their first language accounted for 59.92% of the population, while Spanish accounted for 22.63% of residents. It has a Jewish population; Hebrew and Yiddish speakers were respectively 3.66% and 2.78% of the population. Other languages spoken include Portuguese 2.65%, French 2.40%, Russian 1.75%, and German at 1.46% of city residents.
Aventura’s partnership with Freebee offers free, on-demand, electric ride-sharing for anyone who wants to get around the city. The service runs from 7:00 AM to 11:00 PM everyday except Thanksgiving, Christmas, and New Years Day.
The Aventura Express shuttle bus is a city-run public bus service, free to anyone in Aventura. The service runs three routes (North, Central, and South). Miami-Dade Transit’s Metrobus and Broward County Transit bus systems also run through the city. Metrobus provide connections to Metrorail and Metromover at Government Center via Biscayne Boulevard/US 1. Over the last 30 years, travel infrastructure in Aventura has been heavily funded and influenced by developers of the many highrise condominium projects near the beach. Efforts to mitigate traffic impacts associated with increased travel demand to and from these projects led to the majority of principal road, bridge and structure designed primarily to accommodate automobile travel. This, coupled with single-use zoning and a general lack of connectivity for pedestrians, cyclists and similar modes has contributed to heavy traffic congestion on and near Biscayne Boulevard (US 1), despite this highway having up to ten travel lanes at points. Moreover, costly road improvements have not effectively mitigated traffic increases. A grade separation at the intersection of Ives Dairy Road and Biscayne Boulevard was constructed to facilitate westbound travel leading to Interstate 95 and free flowing eastbound right turns, but traffic signal phasing of the remaining approaches was unchanged, and the intersection continued to experience regular long queues.
The main north-south road in the city is Biscayne Boulevard (US 1), and the main east-west route is the William H. Lehman Causeway. Although no interstates run through the city, I-95 is 1 mile (1.6 km) to the west, with access from Exit 16 (Ives Dairy Road).
Brightline is an inter-city rail service operating on the Florida East Coast Railway line between Miami and West Palm Beach, running parallel to Biscayne Boulevard. The Aventura station, located adjacent to the Aventura Mall, provides service along the route.
Tri-Rail commuter rail service has also been proposed to run on the FEC line. Another proposal would extend the Miami Metrorail along the US 1 corridor from Downtown Miami to the Broward County line, which would pass through Aventura and Hallandale Beach.
The most famous shopping attraction is Aventura Mall, a 2,400,000 sq ft (222,967 m) indoor shopping center. The outdoor malls are “Aventura Town Center”, “Aventura Shopping Center”, “Aventura Commons”, “The Promenade Shops”, and “The Shoppes at the Waterways”.
The city also has its own exclusive parks and recreation department which operate Founders Park, Founders Park Bayside, Waterways Park, Waterways Dog Park, Veterans Park, The Community Recreation Center, and the Aventura Arts and Cultural Center (AACC).
At the geographical center of Aventura is the Turnberry Golf Course, encircled by Aventura’s Country Club Drive. The Turnberry Golf Course is a three-mile walking/jogging paved promenade which overlooks a multi million-dollar horticultural exhibit, lakes, opulent residential high rises, yachts and the Atlantic Ocean.
Aventura is served by the Miami-Dade County Public Schools (MDCPS) system. Aventura Waterways K–8 Center serves as the public K–8 school of MDCPS which serves Aventura. The school is outside of the city limits but all children that live in Aventura are in the boundary for that school. Dr. Michael Krop High School in Ives Estates is currently the sole MDCPS high school serving North Miami-Dade County residents, including those of Aventura. Krop is considered to be a magnet school because it has a “Students Training in the Arts Repertory (STAR)” program, and has a total student body population of 2,833.
There are also charter schools established with sponsorship from the municipal government, Aventura City of Excellence School (ACES), a K–8 school. It was for years the only public school within the City of Aventura. It is operated by a private charter school company called Charter Schools USA. Built and opened in 2003, ACES was ranked in the top 10 of all schools in Florida in 2006. Construction on the Don Soffer Aventura High School, the other charter school, began in 2018. Opened in August 2019, the Charter School initially accepted ninth grade students in its first year and added grades 10 through 12 in subsequent years.
The Northeast Branch of the Miami-Dade Public Library System serves Aventura as a means of accessing information for all education alike.
Regional universities and higher education institutions include:
Aventura News is Aventura’s own newspaper, which is published weekly and is part of the Miami Community Newspapers, The Voice of the Community. Aventura is served by the Miami–Ft. Lauderdale market for local radio and television. The city has a magazine named Aventura Magazine and is served by The Miami Herald and El Nuevo Herald.
In 2022, Aventura became the first city in Florida to offer the opportunity for the public to text its city government. The city monitors the text messages and responds to questions and concerns.
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.