Owner Operator Insurance Cost Doral, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Doral, 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 Doral, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Doral, 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
- Berkley Prime
- Falls Lake
- Great Lakes
- Allied World
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Tokio Marine
- National General
- Great American
- ACE / Westchester
- National Casualty / Nationwide
- Scottsdale Brokerage
- Crum Forster
- James River
- IFG – Burlington
- Carolina Casualty
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.
- 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.
- 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.
- 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.
Doral is a city in Miami-Dade County, Florida, United States. One of 34 municipalities in the county, it is located 5 miles (8 km) west of Miami International Airport and 13 miles (21 km) west of Downtown Miami. Doral occupies 15 square miles (39 km) bordered on the west by the Ronald Reagan Turnpike and the Florida Everglades, on the north by the town of Medley, on the east by the Palmetto Expressway and on the south by the Dolphin Expressway and the city of Sweetwater. The city is part of South Florida’s Miami metropolitan area. As of the 2020 census, Doral had a population of 75,874, up from 45,704 in 2010.
Doral has operated under the mayor-council-manager form of government since incorporation. Policymaking and legislative authority are vested in a governing council consisting of the mayor and four other councilmembers. The council, which is elected at large, is responsible for passing ordinances and resolutions, adopting the annual budget, and appointing the city manager, city clerk and city attorney. The city manager is responsible for carrying out the council’s policies and ordinances, overseeing the government’s daily operations, and appointing the heads of various departments.
For a city of its size, Doral has many shops, financial institutions and businesses, especially importers and exporters, primarily because of its proximity to the airport. In 2008, Fortune Small Business and CNN Money ranked Doral 51st on a list of 100 cities with the best mix of business advantages and lifestyle appeal. The city was named a 2019 All-America City Award finalist and one of the Best Places to Live in 2018 by Money magazine.
In the late 1950s, real estate pioneers Alfred and Doris Kaskel purchased 2,400 acres (9.7 km) of swampland between Northwest 36 Street and Northwest 74 Street and from Northwest 79 Avenue to Northwest 117 Avenue for about $49,000, intending to build a golf course and hotel. In 1962, the Doral Country Club opened in western Dade County, featuring the blue, red, and par-3 golf courses, along with a hotel on Miami Beach. The “Doral” name combined Doris and Alfred. As Doral’s first structure, the Doral Hotel, and Country Club became the area’s hot spot: guests were transported from the beach to the country club for a day on the golf course.
In the second year of operations, the Kaskels hosted the first Doral Open Invitational, Florida’s major PGA event. Alfred offered $50,000 in prize money to attract well-known golfers. According to the South Florida Golf Foundation, at the time, only three other tournaments were held in Florida, offering a combined total of $65,000 prize money.
By the early 1980s, Doral experienced its first residential growth spurt, when Alfred’s and Doris’ grandson Bill developed Doral Estates, followed by a joint venture with Lennar to build Doral Park. Both communities were named after the hotel, a trend that was to be repeated many more times. Although younger families started flooding the area, there were no stores, schools, or parks. Initially, most new homes were investment properties or second homes, but early full-time residents started coming together as a community.
From 1983 to 1985, Miami-Dade County imposed a building moratorium to protect the area’s water wells. Once the ban was lifted, Doral experienced tremendous growth. In 1989, Morgan Levy helped organize the West Dade Federation of Homeowner Associations to stand strong against proposals that threatened the community’s welfare. Thus, they secured a police station instead of a jail and convinced county officials to implement higher development standards and more lighting, roads, and landscaping.
In 1995, residents began lobbying for incorporation in earnest, dissatisfied with the high tax rate relative to the services they received, as well as unchecked growth. The county met the first attempt at incorporation with a year’s deferral. Some classified Doral as a “donor community”, meaning that the taxes paid were more than the cost of operations. With the deferral, incorporation efforts intensified even more. In 1996, the community elected its first community council: Jose “Pepe” Cancio Sr., Mario Pita, and Barbara B. Thomas were elected, and three other members were appointed. The council initially met once every month.
In 2002, Governor Jeb Bush appointed Cancio to fill the remainder of Miami-Dade Commissioner Miriam Alonso’s term of office. Doral residents hoped that his appointment would bring the community closer to incorporation, and their hopes were realized. Although Cancio endorsed Juan Carlos Bermudez, the City of Doral’s first elected Mayor, as his replacement on the Community Council, Bermudez declined the offer, ran for the seat, and was elected. At the time, Bermudez was president of One Doral, a civic organization formed to counteract the perceived influence of the West Dade Federation on the new Council. However, both One Doral and the West Dade Federation proved essential to the incorporation process.
In January 2003, following a seven-year battle, 85% of Doral’s voters voted in favor of incorporation. In June of the same year, 92% voted to accept the City Charter and elected their first Mayor and City Council.
The new City of Doral was named as an attractive location for entrepreneurs with an interest in the Latin America market. Mayor Luigi Boria, elected in November 2012, became the second Venezuelan-American mayor in the United States. He was replaced by Juan Carlos Bermudez who won a reelection bid in 2016. Mayor Bermudez was again reelected in November 2020 with 69.85% of votes for four more years to lead the community.
On December 13, 2022, during a run-off election, Doral voters made history by electing Doral’s first female Mayor, Christi Fraga, with 54.5% of the votes.
Doral Community Newspapers, which is published bi-weekly and is part of Miami Community Newspapers, is one of the local publications in Doral. Another long-standing publication is Doral Family Journal, also publishing bi-weekly.
Two big media outlets have their headquarters in Doral: Univision Network/Fusion and CBS-owned & operated affiliate WFOR-TV, Channel 4. Several studios and other TV operations work out of Doral. The Telemundo chain has a presence in the city, with one of its main office and production units located there.
Doral is located at .
According to the United States Census Bureau, the city has a total area of 15.08 square miles (39.1 km). 13.85 square miles (35.9 km) of it are land and 1.23 square miles (3.2 km) of it (8.14%) are water.
According to the Köppen climate classification, Doral has a tropical monsoon climate (Am) bordering a tropical savanna climate (Aw).
Doral has hot-humid summers with the heat index regularly surpassing 100 °F (37°C) and higher. The rainy season in Doral runs from May through October when the majority of the city’s rainfall occurs. Winters are short, dry, and warm with occasional dips in temperatures during the passage of cold fronts.
As of the 2020 United States census, there were 75,874 people, 19,722 households, and 16,099 families residing in the city.
As of the 2010, there were 17,785 households, out of which 14.3% were vacant. As of 2000, 38.0% had children under the age of 18 living with them, 57.0% were married couples living together, 9.5% had a female householder with no husband present, and 28.6% were non-families. 22.2% of all households were made up of individuals, and 1.7% had someone living alone who was 65 years of age or older. The average household size was 2.66 and the average family size was 3.12.
In 2000, the city population was spread out, with 25.1% under the age of 18, 7.7% from 18 to 24, 43.6% from 25 to 44, 18.7% from 45 to 64, and 4.8% who were 65 years of age or older. As of 2000, the median age was 33 years. For every 100 females, there were 97.8 males. For every 100 females age 18 and over, there were 96.0 males.
In 2000, the median income for a household in the CDP was $53,060, and the median income for a family was $57,193. Males had a median income of $46,324 versus $32,827 for females. The per capita income for the CDP was $27,705. About 9.5% of families and 11.7% of the population were below the poverty line, including 14.8% of those under age 18 and 10.6% of those age 65 or over.
As of 2000, speakers of Spanish as a first language accounted for 74.5%, while English accounted for 16.2%, Portuguese was spoken by 5.0%, Chinese made up 1.0%, Tamil at 0.6%, Japanese at 0.5%, and Arabic was the mother tongue for 0.5% of the population.
In 2005, Doral had over 10,000 businesses. During that year, Carnival Cruise Lines, Ryder, and Univision had operations in Doral. For years leading into 2005, Doral attracted businesses of various sizes.
Carnival Corporation and subsidiary Carnival Cruise Lines have their headquarters in Doral. In addition, Amadeus North America, AAXICO, Benihana, and Perry Ellis International have their headquarters in Doral.
The Federal Reserve Bank of Atlanta Miami Branch Office, one of the five Federal Reserve Bank of Atlanta branch offices, is located in Doral. United States Southern Command is also based in Doral.
Martinair operates its Americas headquarters in the Doral Corporate Center One in Doral. Avianca operates a Miami-area sales office in Doral. Grupo TACA operates a Miami-area TACA Center in Doral. El Al has its Miami-area office in Doral. Hellmann Worldwide Logistics has its USA head office in Doral.
Before Doral was incorporated, the second (1996–1998) Pan American World Airways had its headquarters in Doral. At one time Ryder had its headquarters in Doral. In 2002 Ryder announced that it would move its headquarters to a new site in Miami-Dade County. The Miami Herald (along with El Nuevo Herald) moved its headquarters to Doral in 2013, and the headquarters stayed there until the newspaper vacated the facility in August 2020.
Portions of CSI: Miami episodes were filmed at CBS’ Doral studios, which is home to its owned-and-operated affiliate, WFOR-TV, as well as MyNetworkTV affiliate WBFS-TV.
In September 2017, Doral published a comprehensive economic study which noted that “The City is home to 6,802 establishments employing 102,235 workers. The total volume of sales revenue from these companies, concentrated in such a small geographic area, represents $679,634 per worker, or over $1.35 million per resident making Doral one of South Florida’s and the State’s most productive local economies.”
According to Doral’s 2017 Comprehensive Annual Financial Report:
The Doral Police Department was started on June 2, 2008, with 93 officers. Previously, the Miami-Dade Police Department served the area with stickers on the sides of its cars showing Doral’s logo.
On January 20, 2015, former basketball star Shaquille O’Neal was sworn in as a reserve officer for Doral’s police force.
The Miami-Dade Police Department’s headquarters and Midwest District Station are in Doral. The Miami-Dade Fire Rescue Department’s headquarters is in Doral.
The Florida Department of Law Enforcement operates the Miami Regional Operations Center in an unincorporated area that was formerly a part of the Doral CDP and is outside Doral’s city limits.
The National Transportation Safety Board operates the Miami Aviation Field Office in Doral.
The City of Doral Trolley was launched on February 1, 2008, and has been available to residents and visitors alike for a convenient free ride. The pilot program involved a weekday route that ran from 7:00 am to 7:00 pm with one trolley servicing one route. Currently the system has four routes, including a route servicing Florida International University, and the fleet includes 12 trolleys. In 2019, the City of Doral added another option for free and convenient transport by adding the Freebee service. Areas of service covered by the Freebee continues to expand with hot spot locations like Downtown Doral, CityPlace, Intercontinental Hotel and more being included.
Doral is a part of the Miami-Dade County Public Schools system.
Residents are zoned to the following education facilities:
Public schools (MDCPS)
The Miami Hoshuko, a weekend school for Japanese people, has its school office in Doral. Classes are held in Westchester.
The Miami-Dade Public Library System operates the Doral Branch, which reopened on July 5, 2003, after an expansion, in the Doral Isles Shopping Center. In addition the system operates the 7,500-square-foot (700 m) International Mall Branch in Doral. The library was the second to be built after the opening of the Main Library in 1985. In June 2019, the Miami-Dade Public Library System’s Doral Branch was moved to Downtown Doral, the city’s new dynamic urban core.
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.
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?
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.