Owner Operator Insurance Cost Brickell Hammock, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Brickell Hammock, 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 Brickell Hammock, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Brickell Hammock, 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.
Brickell ( BRIK-əl) is a neighborhood in Miami, Florida located directly east of Interstate 95, south of the historic CBD, and north of Coconut Grove. Brickell is known as the financial district of Miami, as well as South Florida.
Brickell was founded in the mid-19th century, growing to become Miami’s “Millionaire’s Row” in the early 20th century after the construction of lavish mansions along Brickell Avenue by Mary Brickell; both the avenue and neighborhood were named for Ms. Brickell and her husband, William Brickell. By the 1970s, office towers, hotels and apartments began replacing the historic mansions. Brickell overtook the city’s central business district to the north, as one of the largest financial districts in the United States. With a fast-growing residential population, Brickell is Miami’s most dense neighborhood, with a 2010 population of about 31,000.
Brickell Magazine is a magazine covering Brickell and Downtown Miami. Launched in 2008, it is published by TAG Media, Inc. Jorge Arauz is the editor-in-chief.
Brickell is a dense, high-rise residential neighborhood with many upscale, luxury condominium and apartment. Brickell is home to many popular Miami restaurants, shops, art galleries, and places of entertainment. A few hundred feet east of the northeastern side of Brickell is Brickell Key, an island of high-rise residential and hotel towers, including the Mandarin Oriental. As of 2009, over 190,000 office employees work in greater Downtown. Today, greater Downtown Miami is one of the fastest-growing neighborhoods in Miami, booming from 40,000 residents in 2000 to 80,000 in 2010. Brickell is served by the Miami Metrorail at the Brickell station and by 5 stations of the Metromover’s Brickell Loop.
As South Florida’s financial district, Brickell is the core of Miami’s banking, investment, and financial sectors. Additionally, along with Downtown Miami, Brickell has most of the state’s foreign consulates, including the consulates of Argentina, Brazil, Chile, Dominican Republic, Ecuador, France, Guatemala, Japan, Mexico, the Netherlands, Peru, Switzerland, Trinidad and Tobago, and the United Kingdom, amongst others.
Brickell lies immediately east of Interstate 95, including Southwest 3rd Avenue, and extends to the Biscayne Bay. Brickell extends north to the Miami River and south to SW 26th Road (the Rickenbacker Causeway). The neighborhood comprises mostly financial and residential buildings north of Broadway (Southwest 15th Road), and mostly residential buildings south of Broadway. Brickell is home to 31,759 year-round residents.
Although Brickell was known as a financial district, in recent years, construction of numerous residential and mixed-use towers has reshaped the neighborhood into a residential community. Brickell now offers residents a walkable lifestyle, where work and entertainment converge. Ongoing development has expanded the dense urban core of Brickell from Brickell Avenue west to Interstate I95, making the Metrorail line and new and expanding Underline Park the center of the neighborhood. As of 2010, 80,000 residents live in Brickell, among them, famous celebrities such as José José, Luis Miguel, Clinton Portis, Jennifer Lopez and Marc Anthony.
Within Brickell is Mary Brickell Village, which was the center of the neighborhood’s entertainment district when it opened in 2006. It remains to be a popular gathering spot that includes restaurants, boutique retail shops, and a variety of service providers. The project design was inspired by a mediterranean-style village with open squares that facilitate social gatherings and entertainment events. Its design now contrasts to the steel Manhattan-like skyscrapers that surround it, but offers a welcoming scale more akin to coastal Mediterranean villages in Europe. Plans are in place to redevelop a portion of this space.
To the north of Brickell is Downtown, with most of the area’s public elementary schools and Miami Dade College’s Wolfson Campus. Downtown is also home to the Miami Main Library, as well as various parks, theatres, museums, and sporting venues. South of Brickell is Coconut Grove, with Mercy Hospital, CocoWalk, Dinner Key, Villa Vizcaya, as well as many historic sites and parks. Coconut Grove also has many of Miami’s best private schools, such as Ransom Everglades, Carrollton School of the Sacred Heart, and Immaculata-Lasalle High School.
West of Brickell is Little Havana, extending from Interstate I95 westward. East of Brickell is Biscayne Bay, and eastward along the Rickenbacker Causeway, is Virginia Key and Key Biscayne. Both keys have many public beaches, nature preserves, parks, and various other cultural venues. Also east, along the MacArthur Causeway is South Beach.
As of 2010, the population of Brickell had 27,776 people, with a population density of 37,622 per square mile, making it one of the densest neighborhoods in the United States. In the 2010 US Census, the racial makeup of Brickell was 62.0% Hispanic of any race, 33.2% White (non-Hispanic), 1.6% Asian, and 1.4% Black. The zip codes for Brickell include 33129, 33130, and 33131. The area covers 1.084 square miles (2.81 km). Many of its daily occupants work in banking, law, and finance.
As of 2000, there were 5,557 males and 5,972 females. The median age for males was 38.4 years old, while the median age for females was 40.6 years old. The average household size had 1.8 people, while the average family size had 2.6 members. The percentage of married-couple families (among all households) was 30.3%, while the percentage of married-couple families with children (among all households) was 8.5%, and the percentage of single-mother households (among all households) was 4.3%. The percentage of never-married males 15 years old and over was 20.2%, while the percentage of never-married females 15 years old and over was 16.0%.
As of 2000, the percentage of people who speak English not well or not at all made up 27.7% of the population. The percentage of residents born in Florida was 17.1%, the percentage of people born in another U.S. state was 13.7%, and the percentage of native residents but born outside the U.S. was 3.9%, while the percentage of foreign-born residents was 65.3%.
Brickell is a highly educated and affluent neighborhood. As of 2014, an estimated 75% of residents older than 25 hold at least a bachelors level degree with 34% holding an advanced degree. The approximate average household income of $125,500 is more than twice the average for the City of Miami.
Miami-Dade County Public Schools operates area public schools:
Private schools:
Places of worship in the Brickell neighborhood include:
Brickell is served by Metrobus throughout the area, the Miami Metrorail, and the Metromover:
Metrorail:
Metromover:
Public Transportation in the Downtown/Brickell area is used more than in any other part of Miami and is a vital part of Brickell’s life. Metrorail, Miami’s heavy rail system, has one station in Brickell at the Brickell Station. In addition to Metrorail, the Metromover train system runs 3 lines throughout Downtown (the Downtown Loop, the Omni Loop, and the Brickell Loop). The Metromover connects with Metrorail and is free. Metromover stations can be found at roughly every two blocks in Brickell.
Metrorail has stops throughout Miami with connections to Miami International Airport, all Miami-Dade County bus lines, Tri-Rail and Amtrak. The main bus station in Downtown is located next to the Arsht Center at the Adrienne Arsht Center Station. Plans are in place to connect the Metrorail to Midtown and South Beach.
As an urban and pedestrian-friendly area with an extensive public transit network, Brickell (along with Downtown, Omni, and South Beach) is one of the areas in Miami where a car-free lifestyle is commonplace. Many Brickellites get around by foot, bicycle, scooter, Metromover, taxi, or ride share app. The Metromover is a popular alternative to walking in the area, especially on rainy, hot or cold days, as the Metromover is free, and stations are located roughly every two blocks throughout the area.
Recently, the City of Miami, along with the Downtown Development Authority, has begun bicycle initiatives promoting citywide bike parking and bike lanes, which have made bicycling much more popular for residents. Bike lanes and bike sharrows are currently planned for the majority of Downtown streets to be painted by the end of 2010. Decobike, the popular bike-sharing program in Miami Beach, has announced a launch in Brickell/Downtown Miami in mid-2014. The Venetian Causeway is a popular bicycle commuter route that connects South Beach to Downtown. The Rickenbacker Causeway is very popular on weekends for recreational bicyclists, and often, bicycles can outnumber cars on the causeway.
Taxis and ride share services, like Uber and Alto, are popular in Brickell, especially from Brickell to South Beach, Design District or to Coconut Grove. Since many Brickell residents choose to not have cars, taxis and ride share services are also popular for rides within Downtown neighborhoods, especially after midnight when the Metromover stops running. Taxis can be hailed on the street or telephoned, and ride sharing services can be ordered using mobile apps.
With rapid urbanization over the decades, very little remains of the original character of Brickell. Brickell was originally platted for mansions and large homes by Mary Brickell, which thus led to the name “Millionaire’s Row.” With the growth of the city, especially in the 1970s onwards, Brickell’s character began to change with the construction of high-rise office towers along Brickell Avenue, and high-rise residential towers in lower Brickell, south of SE 15th Road (Broadway). A commercial boom in the 1980s brought mass construction of office towers to Brickell, and subsequent construction, would further change the neighborhood into the dense, urban, residential and commercial neighborhood it is today. Some of the historic buildings remaining in Brickell can be seen in the photos below. While not a registered historic landmark, Brickell is home to Tobacco Road, which claimed to be Miami’s oldest bar, in business since 1912, with a now-demolished building built in 1915.
25°45′29″N 80°11′35″W / 25.758°N 80.193°W
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.
