Owner Operator Insurance Cost Dunedin, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Dunedin, 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 Dunedin, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Dunedin, 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.
Dunedin is a city in Pinellas County, Florida, United States. The name comes from Dùn Èideann, the Scottish Gaelic name for Edinburgh, the capital of Scotland. Dunedin is part of the Tampa-St. Petersburg-Clearwater metropolitan area and is the fifth largest city in Pinellas County. The population was 36,068 as of the 2020 census.
Dunedin is home to several beaches, including Dunedin Causeway, Honeymoon Island, and Caladesi Island State Park, which is consistently rated among the best beaches in the world. Dunedin is one of the few open waterfront communities from Sarasota to Cedar Key where buildings do not completely obscure the view of the Intracoastal Waterway and the Gulf of Mexico beyond; a 1-mile (1.6 km) stretch of Edgewater Drive (also known as Alternate US 19) south of downtown offers views of St. Joseph Sound, Clearwater Beach, and Caladesi Island. Downtown Clearwater and Clearwater Beach are a 6-mile (10 km) drive south on Edgewater.
Richard L. Garrison was the first person given a land grant in Dunedin in 1850. The settlement was originally named Jonesboro by George Jones, the owner of the area mercantile. Two Scotsmen, J.O. Douglas and James Somerville, later named the settlement Dunedin after applying for the first post office in northern Pinellas County. The name is taken from Scottish Gaelic Dùn Èideann, the Scottish Gaelic for Edinburgh. With a dock built to accommodate larger sailing vessels, Dunedin became an important trading center and at one time it had the largest fleet of sailing vessels in the state.
Dunedin became incorporated as a town in 1899 in part as a response to numerous complaints about pigs running rampant in the settlement, leading to a still-standing ban on livestock within city limits. By 1913, the town had a population of only 350. It became incorporated as the City of Dunedin in 1926.
During and shortly before World War II the Food Machinery Corporation factory in Dunedin (now demolished) was the primary site for the production of the Landing Vehicle Tracked developed by FMC Dunedin’s Engineers and Donald Roebling of Clearwater from Roebling’s own Alligator.
Initial training on the LVTs was done at the FMC factory under the auspices of the first Amphibian Tractor School, led by Major William W. Davies. Until barracks and maintenance facilities were completed, the school and its students were housed in the Hotel Dunedin. After training, the Marines from the first Amphibian Tractor School were sent to flesh out the 1st Amphibian Tractor Battalion, which has served with distinction since. In mid-1944, the Marine unit in Dunedin was transferred to Camp Pendleton, California.
Dunedin is located at , which is the approximate geographic center of the city. The middle of downtown (intersection of Main Street and Douglas Avenue) is located at .
According to the United States Census Bureau, the city has a total area of 28.2 square miles (73 km). 10.4 square miles (27 km) of it is land and 17.8 square miles (46 km) of it (63.20%) is water.
Dunedin is bordered by the city of Clearwater to the south and east, the Gulf of Mexico to the west, and by Palm Harbor (an unincorporated community of Pinellas County) to the north.
The City of Dunedin currently operates under a nonpartisan commissioner-manager form of government. The commission comprises four commissioners and a mayor, who are elected by the registered voters under a staggered system.
The chief executive officer, known as the city manager, oversees the ten departments and the annual budget.
Currently, the Dunedin City Commission is made up of Mayor Julie Ward Bujalski, Vice-mayor Jeff Gow, Commissioner Maureen “Moe” Freaney, Commissioner Deborah Kynes, and Commissioner John Tornga. The city manager is Jennifer Bramley.
The city government is made up of ten departments with various divisions and sections. The departments are Administration, Human Resources, Information Services, Public Works, Parks & Recreation, Fire, Library, Community Services, Economical Development, Planning/Development and Finance. The Community Redevelopment Agency (CRA) oversees downtown projects and the needs of downtown Dunedin merchants and tourism.
Dunedin boasts an extensive Volunteer Services section, and enables all citizens the chance to have their opinions expressed and tended to. Currently, there are 39 boards and committees that serve as advisory groups to the city manager and the City Commission.
Dunedin Fire Department has 48 firefighters split into 16 members over three shifts. The department has 3 fire stations proving fire protection for Dunedin.
Pinellas County Sheriff Office’s North District Patrol provides law enforcement for Dunedin.
As of the 2020 census, Dunedin city had a population of 36,068 with 18,254 households. There were 1.95 people per household.
Of the population, 92.0% were white, 2.5% were black or African American, 0.1% were American Indian or Alaska Native, 1.6% were Asian, 0.2% were Native Hawaiian and other Pacific Islander, 2.9% were two or more races, and 5.0% were Hispanic or Latino. There were 3,335 veterans living in the city. 8.4% were foreign born persons.
3.3% of the population were under 5 years old, 10.6% were under 18 years old, and 36.3% were 65 years and older. 54.3% were female persons.
The median value of owner-occupied housing units was $248,200. The median gross rent was $1,178. 92.1% of households had a computer and 84.0% had a broadband internet subscription. 94.7% of the population aged 25 years or older had a high school degree or higher. 36.3% of the population aged 25 years or older had a Bachelor’s degree or higher. The median household income was $55,729. The per capita income for 12 months was $39,646. 9.7% of the population lived below the poverty threshold.
Dunedin previously hosted an office of Nielsen Media Research. In 2003 the company consolidated its employees in a new complex in Oldsmar, Florida, with workers from Dunedin and other areas in Pinellas County moving into the Oldsmar Building.
Until early 2005, Dunedin was the home of Nielsen Media Research’s production operations. The city is home to multiple breweries including Dunedin Brewery, Florida’s oldest microbrewery.
TD Ballpark and Englebert Complex are used by the Dunedin Blue Jays and spring training facilities for the Toronto Blue Jays since 1977. TD Ballpark was built on the former Grant Field c. 1930.
The downtown business district is notable for its absence of large commercial signage, corporate franchise restaurants or chain retail stores. The Pinellas Trail, a 39-mile-long (63 km) bicycle and pedestrian trail that traverses all of Pinellas County, bisects downtown Dunedin. A large portion of the trail lies on the former roadbed of the Orange Belt Railway, the first railroad in Pinellas County, which arrived in 1888.
Dunedin has been accused of draconian fining of its residents. In one case, it sued a former resident to collect over a hundred thousand dollars for yard and swimming pool maintenance. There are cases where the city has charged tens of thousands of dollars over uncut grass or aesthetic city code violations. The city has a $250 to $500 per day accruing violation policy per city code § 22-79(d). “In 5½ years, the city has collected nearly $3.6 million in fines, sometimes tens of thousands at a time, for violating laws that prohibit grasses taller than 10 inches, recreational vehicles parked on streets at certain hours or sidings and bricks that don’t match.” The case was dropped about a month after it was initiated (in 2019) due to intense national scrutiny over the matter.
Sister city to Stirling, Scotland, Dunedin has maintained and embraced its Scottish roots. Once a year, Scottish clans descend upon the city for the Dunedin Highland Games. Both Dunedin High School and Dunedin Highland Middle School have competition-level pipe and drum bands. The high school’s marching band is known as the Scottish Highlander Band, and both teen and adult members make up the City of Dunedin Pipe Band.
In addition to the Highland Games, Dunedin hosts many other annual festivals. The most popular among these is Dunedin’s Mardi Gras celebration, during which thousands of visitors descend on the small town.
Located on Edgewater Drive, the Fenway Hotel is a historic hotel that saw many famous guests throughout its lifetime.
Other historic structures in Dunedin:
The city of Dunedin contains a Parks & Recreation Department, which provides low-cost recreation programming to the city’s residents. The city operates four recreation facilities, each one designed to provide resources for a specific age group.
In 2007, Dunedin opened its newest and largest recreation facility, the Dunedin Community Center at a cost of just over $10 million. The project was mostly paid for by the “Penny for Pinellas” tax. The St. Petersburg Times wrote that Marston “figured that since the county needs recreation programs of its own and the city needs a new community center, why not ask the county to pay for the project in exchange for access to the new facility.” Marston’s proposal marked a turning point for the city as it saved Dunedin taxpayers millions, and allowed Dunedin officials to replenish vital strategic reserves. The center features classrooms / multi-purpose rooms, dance and exercise rooms, fitness center, gymnasium, kids area, gaming room, library, playground, rental facility, stage.
The Dunedin Fine Art Center (DFAC), opened in 1975 has grown to be one of the most renowned centers for visual art instruction and exhibition in the southeastern United States. At nearly 40,000 sq ft (3,700 m), DFAC houses five galleries, 15 studio classrooms, the Gallery Gift Shop, the Palm Cafe and the DLM Children’s ART Museum. Tampa Bay Times writer Lennie Bennett says that DFAC is “the artistic equivalent of a village square,” offering quality experiences to people of all ages.
Since 1977, Dunedin has been the spring training home of the Toronto Blue Jays, as well as the class-A Dunedin Blue Jays of the Florida State League. In April and May 2021, the Toronto Blue Jays played their regulation games at TD Ballpark in Dunedin, due to COVID-19 cross-border restrictions. Dunedin is one of the smallest communities used by Major League spring training teams, although surrounded by a large metropolitan area. TD Ballpark is situated next to the Dunedin Public Library a few blocks south of downtown on Douglas Avenue, and is just two blocks east of Edgewater Drive. The stadium was built as a replacement to Grant Field, the Blue Jays’ first spring training ball park. The library was founded in 1895 and is the oldest public library in Pinellas County.
Other recreation facilities includes:
The city has a large athletic base, with community soccer, baseball, hockey, and softball teams. Dunedin reflected the Gaelic origins of its name by playing host to a short lived American shinty club, Dunedin Camanachd, in the mid-2000s.
In 2011 the City of Dunedin passed ordinance 2011-04 which authorized the street-legal use of golf carts across approximately 60% of the city.
City owned parks include:
Honeymoon Island State Park and Caladesi Island State Park are located in Dunedin along St. Joseph Sound on the west side.
The city-owned Dunedin Marina has 194 boat slips and is one of the finest municipal marinas on the West Coast of Florida. The marina is located on the Intracoastal Waterway between Dunedin Causeway and Clearwater Causeways. It is home to the Dunedin Boat Club, one of Florida’s oldest Sailing Clubs.
The Dunedin Public Library has two branches, the Dunedin Main Library (located at 223 Douglas Ave) and the Friends Branch Library (located at 1920 Pinehurst Road), which opened in 2007. The library is considered the oldest library in Pinellas County. In 1895 Christopher B Bouton, a resident from Cleveland, gave the city of Dunedin 200 books for public use. Mr. Bouton’s brother owned the town’s meeting hall but gave ownership of it to the Dunedin Library Association to house the public library and a reading room. The building became known thereafter as Library Hall. In 1935, the City of Dunedin took over the Library when the collection grew to be 7,000 titles. As the population of Dunedin and the usage of the library grew, the facility was in need of more space. Two new libraries were built, one in 1956 on Louden Avenue and another in 1964 on Main Street. In 1976 the Library leased and moved into a vacant space in the Douglas Plaza Shopping Center, which was purchased by the City of Dunedin for the Library in 1986. In 1989, the estate of Franklin Chase Milliken, a retired attorney, was left to the City of Dunedin to benefit the Dunedin Public Library. After years of planning, the City Commission approved funding for a 38,000 square foot building in 1994, costing approximately $3.5 million. Soon after the Library’s centennial in April 1995, the collection was moved into trailers while the old building was torn down and a new one was built in the same location. The new building opened to the public on September 3, 1996.
As part of their offerings and services, the Dunedin Public Library offers monthly delivery service to homebound residents of Dunedin. Other offerings include a seed library where patrons can check out seeds for gardening, a knitting and crocheting group, and genealogy assistance. The Dunedin Public Library initiated a Little Free Library movement in Pinellas County. There are currently thirteen Little Free Libraries within Dunedin. The Literacy Council of Upper Pinellas, Inc., which promotes adult literacy in North Pinellas County, serves the Dunedin Public Library.
Dunedin Public Library is currently a part of the Pinellas Public Library Cooperative (PPLC), a coalition of all public libraries within Pinellas County, Florida.
Dunedin’s major highway US Route 19 Alternate connects the city with the rest of Florida, while Main Street and Pinellas County Road 1 provides local connections.
The closest airport is St. Petersburg-Clearwater International Airport located southeast of Dunedin.
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.