Owner Operator Insurance Requirements Apopka, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Apopka, 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 Apopka, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Apopka, 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.
Apopka is a city in Orange County, Florida. The city’s population was 55,000 at the 2020 census. It is part of the Orlando–Kissimmee–Sanford Metropolitan Statistical Area. Apopka comes from Seminole word Ahapopka for “Potato eating place”.
Apopka is referred to as the “Indoor Foliage Capital of the World” due to the many greenhouse nurseries there.
The earliest known inhabitants of the Apopka area were the Acuera people, members of the Timucua confederation. They had disappeared by 1730, probably decimated by diseases transmitted through Florida by Spanish colonists.
The Acuera were succeeded by refugees from Alabama and Georgia, who formed the new Seminole Indian tribe. They called the area Ahapopka. Aha, meaning “Potato,” and papka, meaning “eating place”. By the 1830s, this settlement numbered about 200, and was the birthplace of the chief Coacoochee (known in English as “Wild Cat”).
At the conclusion of the Second Seminole War, the U.S. Congress passed the Armed Occupation Act of 1842, forcing surviving natives at Ahapopka to abandon their village and seek refuge deeper in the wilderness of the Florida peninsula.
The early American settlers built a major trading center on the foundations of the earlier Indian settlement. Their population was large enough by 1857 to support the establishment of a Masonic lodge. In 1859 the lodge erected a permanent meeting place at what is now the intersection of Main Street (U.S. Highway 441) and Alabama Avenue.
The settlers in the vicinity of “The Lodge” were largely isolated during the Civil War, but the area rebounded once peace was re-established, and a population boom followed the construction of railroad lines through the region.
In 1869, the Apopka Post Office opened.
In 1882, the one mile in each direction of “The Lodge” or “Fudge Hall” was officially incorporated under the name “Town of Apopka City”. In the 1890s, the town was contracted in size more than once due to difficult times.
In 1905, the Apopka City Council authorized incorporation of the Apopka Water, Light, and Ice Company. Councilman A.M. Starbird was appointed its manager, but it was not until voters approved a $9,000 bond in 1914 that he was able to contract with International Harvester Corporation to construct a power plant, so electricity was not available in the city until February 10, 1915. This independent utility company was one of many that were acquired by the Florida Public Service Corporation in the 1920s. They continued to manage the city’s utility needs until the 1940s, when they sold off its ice plants to the Atlantic Company, its electric service to Florida Power Corporation, and its water services to Florida Utilities.
Between 1937 and 1968 a town ordinance forbade Black residents from living north of the railroad tracks.
Five buildings in Apopka have been placed on the U.S. National Register of Historic Places through the Apopka Historical Society housed in the Museum of the Apopkans.
Apopka is known for having one of the longest-serving mayors in the United States. John H. Land, first elected in 1949, served for 61.25 years (with a short three-year gap), making him the longest-serving mayor in Florida and longest-serving full-time mayor in the United States through 2014. Apopka is served by the Apopka Police Department within city limits and the Orange County Sheriff’s Department for unincorporated Apopka.
On April 8, 2014, Apopka City Commissioner Joe Kilsheimer won the election to succeed John H. Land as mayor. Kilsheimer was sworn in on April 22, 2014. The 2018 primary for mayor resulted in a landslide win for Bryan Nelson with 63.40% (4,103) of the vote to Kilsheimer’s 36.6% (2,369). No runoff was required.
Apopka is a fast-growing city and is expanding in all directions. Most notable are the new Lowes and Home Depot DIY stores to the north of the city on US 441 in the location of the previous Dunn Citrus grove (the stretch of 441 which runs through the city is named after Fred N. Dunn). Other businesses on the former Dunn Citrus site include Staples office supply and a second Chili’s restaurant.
Due to the fast-paced growth of the city, a new hospital, AdventHealth Apopka, was opened in 2017.
The John Land Apopka Expressway (Toll 414) opened on May 15, 2009, relieving some of US 441’s traffic, taking the route from what is now the US 441 junction with SR 429, and then passing south of the city to rejoin US 441 at its junction with Maitland Boulevard South of the city.
Expansion of the expressway, including an extension of Toll 414, known as Wekiva Parkway, created a junction at US 441 and Plymouth Sorrento Road. Master plans take the Wekiva Parkway extension further north and then east connecting to Interstate 4 at Sanford. The expansion is scheduled to be completed by 2023. It will then be the shortest route from I-4 to the Disney attractions.
Apopka is about 16 miles northwest of Downtown Orlando.
According to the United States Census Bureau, the city has a total area of 32.6 square miles (84.4 km). 31.2 square miles (80.9 km) of it is land and 1.4 square miles (3.5 km) of it (4.15%) is water.
As of the census of 2000, there were 26,642 people, 9,562 households, and 7,171 families residing in the city. The population density was 1,108.1 inhabitants per square mile (427.8/km). There were 10,091 housing units at an average density of 419.7 per square mile (162.0/km). The racial makeup of the city was 73.85% White, 15.56% African American, 0.42% Native American, 1.89% Asian, 0.09% Pacific Islander, 5.36% from other races, and 2.83% from two or more races. Hispanic or Latino of any race were 18.08% of the population.
There were 9,562 households, out of which 38.2% had children under the age of 18 living with them, 55.8% were married couples living together, 14.4% had a female householder with no husband present, and 25.0% were non-families. 18.6% of all households were made up of individuals, and 5.8% had someone living alone who was 65 years of age or older. The average household size was 2.76 and the average family size was 3.13.
In the city the population was spread out, with 28.2% under the age of 18, 8.6% from 18 to 24, 33.6% from 25 to 44, 19.5% from 45 to 64, and 10.1% who were 65 years of age or older. The median age was 33 years. For every 100 females, there were 94.0 males. For every 100 females age 18 and over, there were 90.1 males.
The median income for a household in the city was $43,651, and the median income for a family was $49,380. Males had a median income of $32,177 versus $26,553 for females. The per capita income for the city was $19,189. About 7.1% of families and 9.5% of the population were below the poverty line, including 12.6% of those under age 18 and 9.7% of those age 65 or over.
In 2010 Apopka had a population of 41,542. The racial and ethnic composition of the population was 49.5% non-Hispanic white, 20.7% African American, 0.3% Native American, 3.2% Asian, 0.1% Pacific Islander, 0.4% non-Hispanic reporting some other race, 3.3% reporting two or more races, and 25.4% Hispanic or Latino of any race.
Apopka is referenced in Zora Neale Hurston’s famous novel, Their Eyes Were Watching God.
Apopka is referenced in Eddie C. Brown’s autobiographical book, Beating the Odds: Eddie Brown’s Investing and Life Strategies.
History of the greater Apopka and Central Florida area is detailed in William Gladden, Jr’s book, The Pennings of Perrine Slim: Stories of Northwest Orange County Florida. Included are 100 pictures of the area, most by Dr Phyllis Olmstead. Olmstead Publishing.
History of Apopka and Northwest Orange County, Florida by Jerrell H Shofner, (1982). Rose Printing. Apopka Historical Society.
Tales of the Big Potato by Jack Christmas (2011). New Book Publishing. Reprint Olmstead Publishing.
Apopka: Images of America photos of the Apopka area, (2004). Apopka Historical Society.
Apopka takes place in and is prominently featured in Johannes Grenzfurthner’s horror drama Masking Threshold that premiered at Fantastic Fest in 2021.
