Owner Operator Insurance Cost Brandon, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Brandon, 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 Brandon, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Brandon, 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.
Brandon is an unincorporated community and census-designated place (CDP) in Hillsborough County, Florida, United States. It is part of the Tampa–St. Petersburg–Clearwater Metropolitan Statistical Area. The population was 114,626 at the 2020 census, up from 103,483 at the 2010 census.
On January 20, 1857, John Brandon arrived at Fort Brooke (now Tampa) from Mississippi with his first wife Martha, his seven sons, and their seven slaves. At first they moved to what is now the Seffner area. Then in August 1858, John Brandon purchased 40 acres (160,000 m) in the New Hope area (now Brandon) and 160 acres (0.65 km) later on and then named his land “Brandon”. John and his second wife Victoria’s house was located on what would become the corner of Knights Avenue and Victoria Street. Four years later, the New Hope Church was built on land donated by Brandon. Besides being the first church in the community, it also served as Brandon’s first school.
In 1890, the Florida Central and Peninsular Railroad came through the area, encouraging the people of New Hope to build a depot on Moon Avenue. Charles S. Noble, an engineer for the FC&P, was asked to plat approximately forty acres of land north of present-day State Road 60, south of Lake Meade, east of Kings Avenue, and west to Parsons Avenue. Filed on April 24, 1890, the surveyor named the community in honor of John Brandon and Noble Street for himself.
Stowers Funeral Home is a famous landmark in Brandon, in a building erected by John Brandon’s son James.
Since then, Brandon has grown in spurts, beginning with the first general store opened by Dan Galvin on the corner of Moon Avenue and Victoria Street. In 1905 a school was built on Parsons Avenue, and Victoria Brandon allowed new teachers to board with her.
At the time, Valrico began to develop to the east as Victoria’s son Lovic moved there and opened a general store. Lovic and Victoria’s other son, Mark, organized the Valrico Baptist Church in 1915, which later moved to Brandon and became the First Baptist Church in 1930.
By 1914, the community needed a large central school to house all of the area’s students, so the Brandon Grade School (now McLane Middle School) was built on Knights Avenue to house grades 1 through 12. In 1919 Brandon Grade School enrolled the largest class to date totaling 119 students. The school’s first Principal, John T. Bushong was responsible for expanding the school to grade 12 and in 1923 it graduated four seniors.
The first Brandon census was taken in 1922 when the population was 100. In 1925, Hopewell Road became a 9-foot-wide (2.7 m) paved road, and residents such as Clarence Hampton began building businesses along it in 1927. Hampton opened the first gas and service station.
During the 1920s, the eastern border of Brandon was Pinewood Avenue. Beyond that was the Kingsway Poultry Colony, where chickens were raised during the winter to be sold in Ybor City. During the Great Depression the poultry farms closed, until around 1946, when Bill and Ann Hollash moved to Brandon and started Brandon Egg (which later became Hollash Eggs), the largest egg producers in eastern Hillsborough County. Hollash Eggs closed in the late 1990s. The original farm, over 30 acres (12 ha), was sold to what is now Bell Shoals Baptist Church.
Most local residents worked in the two orange packing houses in Valrico. The center of town remained at Moon Avenue and Victoria Street, where the train depot, post office, school, and grocery store were all located. For entertainment and everything else, the train to Tampa was the way to go, as only a few paved roads existed, with most being dirt- or shell-topped, making the drive to Tampa very difficult.
World War II was an interesting time in Brandon, with little growth, but a definite edge as they had the food they raised on their farms. After the war, new businesses began to open. A drug store and soda fountain at the corner of Parsons Avenue and Hopewell Road quickly became a popular teenage hangout. In 1950, Scogin’s opened their famous variety store on Hopewell Road, and in 1953 Brandon got its first physician, Dr. V. R. Hunter.
The 1950s were the beginning of the real growth period for Brandon. Yates Elementary was built in 1954, followed by Mann Junior High School in 1957. Brandon Grade School, on Knights Avenue, became the first Brandon High School. At the time, there were fewer than 100 graduates a year. In 1956, Hopewell Road was connected to Adamo Drive, which made access to Tampa easier, thus turning Brandon into a bedroom community. With commuters came subdivisions, the first of which was Hill-Dale Heights on Kingsway Avenue. The Brandon News was established in 1958 as a one-page newsletter and advertisement for Scogin’s clothing store, written by Al & Chris Scogin. Brandon’s first honorary mayor’s race was held in 1959 and was won by Nat Storms.
In 1959, the Brandon Chamber of Commerce was formed to help promote business and growth. By the early 1960s, Brandon’s population was 8,000, and it was estimated that one new family moved into town every day. Brandon began spreading out into the bordering communities of Limona, Seffner, and Valrico; Hopewell Road became four lanes wide and was designated State Road 60. Soon, the town’s first shopping center, Brandon Center, was built, and Brooker Elementary School and the Brandon Swim and Tennis Club opened in 1961 and 1963 respectively. In the next few years, Kingswood Elementary School, the Brandon Public Library, and many housing developments, shopping centers, and golf courses further fueled or reflected the influx of new residences and businesses.
By the 1970s, growth was causing traffic congestion, as approximately 430 commercial and service businesses, three malls and a population of 40,000 were all contained within a 6-mile (10 km) radius.
In the mid-1970s, Hillsborough Community College moved to Brandon by holding classes at public schools. More indications of the increasing population were the building of Brandon Community Hospital and the Brandon Cultural Center (now the Center Place Fine Arts and Civic Association).
Brandon took off rapidly during the 1980s. Development of the southern area of Brandon brought thousands of new residents. On September 27, 1986, Interstate 75 began to bring traffic through the Brandon area, dramatically changing the community and helping its population reach nearly 58,000 by 1990.
Brandon’s census boundaries include Palm River-Clair Mel to the west across U.S. Route 301, Valrico to the east, Riverview and Bloomingdale to the south, and East Lake-Orient Park, Mango, and Seffner to the north. Brandon is 11 miles (18 km) east of downtown Tampa and 14 miles (23 km) southwest of Plant City. Interstate 75 passes through the western part of the Brandon CDP, with access from Exits 256 (US 301) and 257 (Florida State Road 60/Brandon Boulevard). Interstate 4 passes 4 miles (6 km) north of the center of Brandon, with access from Exits 7 (US 301), 9 (I-75), and 10 (State Road 579/Mango Road).
According to the United States Census Bureau, the Brandon CDP has a total area of 35.0 square miles (90.6 km), of which 33.1 square miles (85.7 km) are land and 1.9 square miles (4.9 km), or 5.42%, are water.
Neighborhoods within Brandon include Barrington Oaks East, Brandon Hills, Kensington Estates, La Viva, and Limona.
Brandon, like the Tampa Bay area, has a humid subtropical climate. Unlike Tampa and Pinellas County, Brandon will typically have a few nights below freezing each year due to its greater distance from the coast. The summers are long and hot, and average 85 °F (29 °C); winters are mild and dry, averaging 62 °F (17 °C). Brandon, like the rest of the Tampa Bay area, receives abundant rainfall, around 44 inches (1,100 mm) of rain annually. Brandon’s winters may have low temperatures in the 30s for more than four days, while Tampa can have low temperatures in the 40s and 50s in that same period of time.
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.
