Owner Operator Insurance Cost DeLand, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost DeLand, 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 DeLand, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in DeLand, 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.
DeLand is a city in and the county seat of Volusia County, Florida, United States. The city sits approximately 34 miles (55 km) north of the central business district of Orlando, and approximately 23 miles (37 km) west of the central business district of Daytona Beach. As of the 2020 U.S. census, the population was 37,351. It is a part of the Deltona–Daytona Beach–Ormond Beach metropolitan area, which was home to 590,289 people as of the 2010 census.
The city was founded in 1876, and was named for its founder, Henry Addison DeLand. DeLand is home to Stetson University, Florida’s oldest private college, as well as the Museum of Art – DeLand. The DeLand Municipal Airport serves as an uncontrolled general aviation reliever airport to commercial operations at Daytona Beach International Airport (DAB), Orlando Sanford International Airport (SFB) and Orlando International Airport (MCO).
Known as Persimmon Hollow for the wild persimmon trees that grow around the natural springs, the area was originally accessible only by steamboat up the St. Johns River. It was settled in 1874 by Captain John Rich, who built a log cabin. Henry Addison DeLand, a baking soda magnate from Fairport, New York, visited there in 1876, and envisioned building a citrus, agricultural and tourism center. That year he bought land and founded the town, naming it after himself. He sold his northern business and hired people to clear land, lay out streets, erect buildings and recruit settlers, most of whom came from upstate New York. (DeLand never lived in the city year-round.)
In 1877 DeLand built a public school for the town. To enhance the community’s stature and culture, and to enhance the value of his local real estate holdings, in 1883 DeLand established DeLand Academy, Florida’s first private college. However, in 1885, a freeze destroyed the orange crop. One story has it that DeLand had guaranteed settlers’ investments as an inducement to relocate, and so was obligated to buy back their ruined groves, though there is no hard evidence that this took place. As for many other would-be real estate magnates in the area at the time, his Florida investments were nearly worthless after the freeze, and he returned to his home in the North. DeLand entrusted the academy to his friend John B. Stetson, a wealthy hat manufacturer from Philadelphia and one of the institution’s founding trustees. In 1889, it was renamed John B. Stetson University in its patron’s honor. In 1900 it founded the first law school in Florida (which relocated to Gulfport in 1954). Its various sports teams are called the Hatters.
The City of DeLand was officially incorporated in 1882, and became the county seat of Volusia County in 1887. It was the first city in Florida to have electricity. According to city officials, minutes of the first City Commission meeting in 1882 show the city decided to create a seal with the emblems of “Faith, Hope and Charity,” namely a cross, an anchor and a heart.
The city seal was briefly the object of a controversy in 2013, when the national group Americans United for Separation of Church and State sent the city a letter in which they argued that the seal unconstitutionally promotes Christianity, thus allegedly breaching the First Amendment Establishment Clause. The controversy faded after the city refused to change the seal.
During the 1920s Florida Land Boom, fine examples of stucco Mediterranean Revival architecture by native architect Medwin Peek and others were constructed in DeLand. Many of these buildings have been handsomely restored, including the restored Athens Theatre.
Since 1992, the city has hosted the DeLand Fall Festival of the Arts, a two-day event held annually in the historic downtown area on the weekend before Thanksgiving. As of 2009, the event has an annual attendance of more than 50,000 during the weekend.
DeLand is located at 29°1′44″N 81°18′2″W / 29.02889°N 81.30056°W, in Western Volusia County.
According to the United States Census Bureau, the city has a total area of 17.8 square miles (46.1 km), of which 17.6 square miles (45.6 km) is land and 0.19 square miles (0.5 km), or 1.06%, is water. DeLand is drained by the St. Johns River.
On February 2, 2007, DeLand and the surrounding area was the site of a major tornado outbreak. One tornado passed through Deland. It reached a peak intensity of EF-3 (160–165 mph), had a track length of 26 miles, and was responsible for the deaths of 13 people. On August 18, 2020, an EF-2 tornado made landfall in DeLand Around 4 PM EST, and caused an estimated $7.4 million in damages over its 4.6 mile path.
As of the census of 2013, there were 28,237 people, 9,950 households, and 4,631 families residing in the city. The population density was 1317.1/mi (506.8/km). There were 9,272 housing units at an average density of 584.2 per square mile (225.6/km). The racial makeup of the city was 74.96% White, 19.18% African American, 0.22% Native American, 0.81% Asian, 0.01% Pacific Islander, 3.00% from other races, and 1.80% from two or more races. Hispanic or Latino of any race were 8.73% of the population.
There were 8,375 households, out of which 23.8% had children under the age of 18 living with them, 37.0% were married couples living together, 14.6% had a female householder with no husband present, and 44.7% were non-families. 37.2% of all households were made up of individuals, and 20.4% had someone living alone who was 65 years of age or older. The average household size was 2.22 and the average family size was 2.92.
In the city the population was spread out, with 20.7% under the age of 18, 14.9% from 18 to 24, 23.2% from 25 to 44, 17.6% from 45 to 64, and 23.6% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 83.0 males. For every 100 females age 18 and over, there were 77.8 males.
The median income for a household in the city was $28,712, and the median income for a family was $35,329. Males had a median income of $26,389 versus $20,114 for females. The per capita income for the city was $15,936. About 14.2% of families and 19.0% of the population were below the poverty line, including 31.3% of those under age 18 and 8.7% of those age 65 or over.
Downtown DeLand’s main street, Woodland Boulevard, has a number of notable 19th-century buildings. It is officially known as Downtown DeLand Historic District.
The Garden District is a mixed-use neighborhood adjacent to downtown DeLand, which is officially known as Downtown DeLand’s Historic Garden District. The neighborhood was originally developed between 1900 and 1920. It fell into a long period of decline after World War II, and by the 1980s, had become blighted.
In 2001, Michael E. Arth, a California artist, urban designer and filmmaker, bought 27 dilapidated structures, renamed the area the Garden District, and lobbied to create a new historic district. During the following eight years, he restored or rebuilt 32 homes and businesses, which have become the core of a neighborhood revival. The feature-length documentary film New Urban Cowboy: Toward a New Pedestrianism tells the story of DeLand and the Garden District. The film premiered in DeLand in January 2009 at the newly restored Athens Theatre. Previously, the film had appeared in seven film festivals and received the Audience Choice Award at the Real to Reel International Film Festival in 2008.
Public primary and secondary education is handled by Volusia County Schools.
DeLand hosts all home games for Stetson University Hatters athletic teams. The men’s and women’s basketball teams play at the J. Ollie Edmunds Center, an on-campus arena which opened in 1974 and seats approximately 5,000 spectators.
The Hatters baseball team plays at Melching Field at Conrad Park, a 2,500-seat ballpark located off campus just south of downtown DeLand. Melching Field was built in 1999 and is recognized as one of the finer college baseball venues in the NCAA, having hosted numerous Atlantic Sun Conference championships, the 2018 NCAA Baseball Regionals, and other baseball related tournaments and events. Prior to the opening of Melching Field, the Hatters played at old Conrad Park on the same site, which also hosted spring training games in the 1940s and 1950s and the DeLand Red Hats, a Florida State League minor league franchise.
Adjacent to Melching Field is Spec Martin Stadium, a 6,000-seat football stadium. Spec Martin Stadium hosts DeLand High School Bulldog football and soccer games, and serves as home of the Stetson University Hatters football team. Stetson had discontinued its football program in the early 1960s, but reinstated the sport in 2013, when it joined the Pioneer Football League. As part of Stetson’s re-entry into college football, Spec Martin Stadium underwent significant renovations, including a new press box, handicapped and premium seating areas, and new locker room facilities.
DeLand has been called the “skydiving capital of the world”, with the majority of skydiving industries calling it home. The skydiving industry employs over 500 workers from the DeLand area. This in combination with the tourist end of the industry makes it one of the town’s largest supporters and invaluable to the local economy.
The Central Florida Warriors of the USA Rugby League are based in DeLand.
DeLand has been the filming location for a number of television and movie projects, including the 1999 Adam Sandler comedy The Waterboy. Scenes showing the fictional South Central Louisiana State University Mud Dogs home football games were shot at Spec Martin Stadium. Classroom and exterior scenes were filmed at Stetson University. Scenes involving Sandler’s character’s home were actually filmed in neighboring DeBary. Ghost Story, starring Fred Astaire, Douglas Fairbanks, Jr and Craig Wasson, was filmed in part at Stetson University and the Holiday House.
The HBO miniseries From the Earth to the Moon filmed several scenes on the campus of Stetson University. The 1999 independent film The First of May, starring Mickey Rooney and Joe DiMaggio, was shot on various locations throughout DeLand. Days of Thunder, starring Tom Cruise, was partially filmed in DeLand.
New Urban Cowboy: Toward a New Pedestrianism (2008) was filmed almost entirely in DeLand in 2006 and 2007.
Walt Before Mickey filmed several scenes at the Stetson University campus in 2014 and Athens Theatre.
Everett/Edwards
Amtrak, the national passenger rail system, serves DeLand, operating its Silver Meteor and Silver Star trains daily in both directions between Miami and New York City. The line is primarily CSX’s Sanford Subdivision. It also contains a spur leading from the station which was built by the Orange Ridge, DeLand and Atlantic Railroad and has received passenger service in the past.
Local transit service is provided by VOTRAN on the #20 and #60 routes.
During World War II, the Babcock Airplane Corporation manufactured 60 Waco CG-4 assault gliders at DeLand, but the firm was out of business by 1945.
The DeLand Municipal Airport (a.k.a.; Sidney H. Taylor Field) still operates as a general aviation airport as well as a reliever airport for Orlando and Daytona Beach. It also contains the DeLand Naval Air Station Museum.
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.