Owner Operator Insurance Requirements Boynton Beach, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Boynton Beach, 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 Boynton Beach, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Boynton Beach, 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.
Boynton Beach is a city in Palm Beach County, Florida, United States. It is situated about 57 miles (92 km) north of Miami. The 2020 census recorded a population of 80,380. Boynton Beach is a principal city of the Miami metropolitan area, which was home to 6,138,333 people at the 2020 census. The city is named after Nathan Boynton, a Civil War major and Michigan politician who became one of the first settlers in the area in 1895. Boynton Beach is located north of Delray Beach, south of Hypoluxo and Lantana, and east of Golf, while the municipalities of Briny Breezes, Gulf Stream, Manalapan, and Ocean Ridge are situated to the east across the Intracoastal Waterway.
Native Americans inhabited modern-day Boynton Beach thousands of years ago, with a burial mound west of the city including artifacts dating as far back as roughly 150 BCE. The first non-indigenous settlers, Dexter Hubel and his family, arrived in 1877. Major Boynton moved to present-day Boynton Beach in 1895, building the Boynton Hotel and bringing contingents from Michigan, many of whom practiced farming or established businesses in the vicinity of Ocean Avenue. Byrd and Fred Dewey filed the original plat for the Town of Boynton in 1898, although official incorporation did not occur until 1920. The oceanfront section of Boynton Beach split off in 1931 and became Ocean Ridge in 1939. Boynton Beach’s population grew rapidly in the first few decades following World War II, with more than a three-fold increase in the 1950s, while development of the city expanded westward, particularly in the 1980s.
Today, Boynton Beach is the third-most populous municipality in Palm Beach County, behind only Boca Raton and West Palm Beach. The area along Congress Avenue south of Gateway Boulevard includes a large concentration of restaurants and retail stores at the Boynton Beach Mall, the Boynton Town Center, and Renaissance Commons. Boynton Beach also has several arts and culture facilities, such as the Boynton Woman’s Club and Schoolhouse Children’s Museum & Learning Center.
Archaeological evidence indicates Native American inhabitation of the region dating back thousands of years, with Ais, Calusas, Jaegas, Mayaimis, and Tequesta settling in or near modern-day Palm Beach County. A complex of mounds west of present-day Boynton Beach and near the Loxahatchee National Wildlife Refuge includes shards of pottery possibly from 150 BCE. An excavation of the site also yielded beads and glass from as recently as the 16th century, which are believed to have been influenced by the Spanish.
Captain James A. Armour, head keeper of the Jupiter Inlet Lighthouse, filed the first land claim in modern-day Boynton Beach in 1875, although it is unlikely he lived there. Two years later, Dexter Hubel of Michigan and his family settled in the area, but they had to live at the Orange Grove House of Refuge in present-day Delray Beach until their house was built.
In 1894, two years before Henry Flagler built his railroad, a former American Civil War major named Nathan Boynton first set eyes on the area that now bears his name. Boynton hailed from Port Huron, Michigan. He was so impressed by the natural beauty of the year-round sunshine and pristine beaches, he built the famous Boynton Hotel, where he also spent winters with his family. The hotel, which opened in 1897, included accommodations for 100 guests and 5 guest cottages. Major Boynton died on May 27, 1911, in Port Huron, but the hotel lasted until 1925. Several commercial and residential buildings also sprang up along Ocean Avenue in the late 1890s, including the first post office in 1896.
The first settlers, whom Boynton had brought along from Michigan, soon realized that many fruits and vegetables thrived in the fertile climate. Pineapples, tomatoes, mangoes, and citrus fruit were packed in crates and shipped across the country on the newly built Florida East Coast Railroad. Alonzo King and Samuel Cade, both African American farmers, taught these early settlers methods for cultivating muck soil and dealing with the presence of mosquitos and rattlesnakes.
Boynton Beach was founded on September 26, 1898, when Byrd Spilman Dewey and her husband Fred S. Dewey filed the original plat in the Dade County courthouse for the Town of Boynton. Fred S. Dewey, one of Flager’s secretaries, bought a large area of land west of the Intracoastal Waterway earlier that year. He subdivided the land into 2.5 acre (1.0 ha) tracts for agricultural uses, which he sold to settlers and hotel workers. Buyers of these tracts also received a plot within the residential sections of the townsite.
A wood frame schoolhouse opened in 1900 at Ocean Avenue and Seacrest Boulevard, replacing a smaller, temporary building. By then, the town had a population of 83. Just four years later, a second, two-room school building opened as the community continued to grow quickly. Overcrowding at the school at Ocean Avenue and Seacrest Boulevard also led to the construction of another school in 1913, a two-story concrete building with six classrooms. This building is listed on the National Register of Historic Places and was converted into the Schoolhouse Children’s Museum & Learning Center in 2001.
The first bridge crossing the Intracoastal Waterway opened in 1911 at Ocean Avenue. During the same year, the Boynton Woman’s Club and the Florida Federal of Women’s Clubs established the first library in Boynton, then staffed by volunteers. The 1910s also saw the creation of the town’s first bank in 1915 and first ocean road (State Road A1A) in 1916.
The town of Boynton was officially incorporated in 1920 upon the approval of 48 out of the 50 qualified voters who met at the Boynton Lumber Club on April 14. G. E. Coon became the first mayor, Fred Benson became the first town marshall, and A. A. Atwater, J. P. Bowen, C. M. Jensen, A. C. Shepherd, and W. S. Shepherd became the first aldermen. Shortly before the incorporation of Boynton, the 1920 census recorded a population of 671 people in Palm Beach County’s fourth precinct, which also included Hypoluxo and the area that now comprises Ocean Ridge. The name “Boynton Beach” was first used by a community that broke off from the Town of Boynton in 1931. In 1939, that community changed its name to “Ocean Ridge” while The Town of Boynton took the name “Boynton Beach” in 1941.
Utility services also began in Boynton in the early 1920s. John Meredith brought electricity to the town in 1921, the same year as the installation of a sewage system. Additionally, in 1923, a municipal water system began operating. Telephone service arrived in Boynton near the end of the 1920s.
Boynton Beach Oceanfront Park is located just north of the original Boynton Hotel site. In 1921, the Town of Boynton acquired the beach site from Lewis S. Howe by eminent domain for park and recreation purposes. The beach casino was built in 1928 and featured a large dining hall, locker rooms and showers and residents used the casino for parties and social gatherings. The casino was demolished in 1967 and the property remained part of the beach park. From the 1920s to today, Boynton Beach Oceanfront Park has been popular with residents and visitors alike. In the mid-1990s, the park underwent a major renovation during which the boardwalk was rebuilt out of recycled plastic. Boynton Beach’s Oceanfront Park was voted the best family beach in Palm Beach County by The Palm Beach Post in 2001. In 2011 the boardwalk was renovated again, replacing the plastic with ipe (pronounced ee-pay) wood (commonly known as Brazilian walnut). In 2012 improvements were made to the buildings along the boardwalk, including total refurbishment of the restrooms.
In 1926, the Seaboard Air Line Railway entered what was then simply Boynton, spurring land development a mile inland near the Seaboard station, including the town’s first planned subdivision, Lake Boynton Estates. As land became more valuable, areas along the Intracoastal Waterway and the Federal Highway in Boynton also saw housing developments. To the west, many dairies were founded so that the Boynton area became the main milk supplier for Palm Beach County. By the 1970s, the dairies were no longer profitable and these lands too were converted to housing developments.
Three hurricanes affected Boynton between 1926 and 1928. The 1928 Okeechobee hurricane in particular caused significant impacts, destroying 46 homes and 18 buildings, including a church, a hotel, and the town hall. Additionally, the storm damaged 255 homes and 34 buildings, including the high school, where 15 people suffered injuries after auditorium roof collapsed. The hurricane rendered 56 families homeless and caused approximately $1 million in damage. The Boynton town government faced financial struggles in the aftermath of the 1928 hurricane and during the Great Depression, but received some assistance from the Florida Legislature and negotiated with bondholders for additional debt relief. Funds from the state also resulted in the resurfacing of Dixie Highway, while federal funds were used to construct a new bridge across the Intracoastal Waterwater in 1935.
Boynton Beach grew very rapidly in the 1950s, with its population expanding from 2,542 people in 1950 to 10,467 people in 1960, a 311.8% increase. Significant construction projects during the decade included a new city hall at Boynton Beach Boulevard and Seacrest Boulevard in 1958 and Bethesda Memorial Hospital in 1959. The expansion of beachfront recreation facilities also occurred as the city purchased more coastal properties.
During the 1960s, the city constructed a civic center in 1960, a public library in 1961, and a new water treatment plant in 1962. A second bridge across the Intracoastal Waterway opened in 1967 along 15th Avenue (Woolbright Road). The decade also marked beginning of the construction of Interstate 95 through the city (completed in 1977), the westward expansion of Boynton Beach Boulevard in 1962, the southward extension of Congress Avenue in 1966. Additionally, residential projects such as the large Hampshire Gardens, Leisureville, and Sterling Village sprang up, causing further growth and economic development. A few civil rights movement protests also occurred in Boynton Beach during the 1960s, including a sit-in at the Royal Castle Restaurant and the arrival of approximately 30 African Americans at a whites-only section of the beach in 1962.
Several developments also brought a substantial economic boost to Boynton Beach in the 1980s. First, Motorola opened a new paging plant in the city in 1983, although the complex closed in 2004, about 10 years after its peak, when the facility employed approximately 3,500 people. Next, the Boynton Beach Mall and Quantum Corporate Park opened in 1985 and 1988, respectively. Additionally, Tri-Rail began operating in 1989, opening its station in Boynton Beach in December of that year. Each of these factors attracted more businesses to the area and generated rapid population increases in the city’s western suburbs.
Hurricane Wilma struck Boynton Beach on October 24, 2005, causing widespread damage to homes and businesses. In 2006, the city government authorized the demolition of the historic Seaboard rail station, which had survived intact in private hands since passenger service to the station halted in 1971.
On March 8, 2022, Ty Penserga was elected mayor of Boynton Beach in Florida, making him the first openly gay mayor of the city as well as the first out LGBTQ Asian American mayor elected in Florida state history. A high school biology and chemistry teacher, Penserga was sworn into office by State Attorney Dave Aronberg.
The year 2006 saw an increase in gang-related violent crime. This mirrored a similar increase across Palm Beach County. A gang-related shooting that resulted in a death at the city’s popular Boynton Beach Mall on Christmas Eve of 2006 caught the national attention on many news networks, such as CBS. There were ten known operating gangs in the city as of 2007, according to police, including the notorious South Florida Haitian Zoe Pound gang. As of 2009, countywide gang violence had fallen three percent.
On January 27, 2012, Mayor Jose Rodriguez was suspended from office by the state governor for trying to influence a police investigation into his personal affairs.
The crime rate started decreasing in 2017 and attained its lowest number in 20 years in 2020. According to the Florida Department of Law Enforcement’s 2020 Annual Crime Report, the total crime rate decreased by 28 percent in the city compared to 2019 and 64 percent compared to 2001. Violent crime, which includes murder, rape, robbery and aggravated assault, decreased 8.5 percent. Property crime, which includes burglary, larceny and motor vehicle theft, dropped by 32.2 percent. Florida’s total crime volume dropped 14.1 percent compared to 2019.
Boynton Beach Police Chief Michael G. Gregory attributed the decrease to focused efforts, an all-hands-on-deck approach and “using a multitude of tactics and crime fighting strategies that are constantly evolving based on crime patterns”.
In 2021 the median income was $73,083.
As of the 2020 United States census, there were 80,380 people, 31,863 households, and 17,482 families residing in the city.
As of the 2010 census, there were 68,217 people, 29,104 households, and 16,570 families residing in the town. The population density was 4,974.93 inhabitants per square mile (1,920.8/km). The 36,289 housing units (19.8% of which were vacant) averaged 2,190.04 inhabitants per square mile (845.6/km) inhabitants per square mile. The racial makeup of the city was 62.4% White, 30.3% African American, 0.3% Native American, 2.2% Asian, less than 0.1% Pacific Islander, 2.6% from other races, and 2.2% from two or more races. Hispanics or Latinos of any race were 12.8% of the population.
In the town, the age distribution was 21.5% at 65 or older, 19.3% under 18, 8.0% from 18 to 24, 26.9% from 25 to 44, and 24.6% from 45 to 64; the median age was 41.4 years. For every 100 females, there were 89 males. For every 100 females age 18 and over, there were 87 females. Around 25.1% of the households in 2010 had children under the age of 18 living with them, 16.6% were married couples living together, 13.1% had a female householder with no spouse present, and 43.1% were not families. About 34.3% of all households were made up of one individual, and 15.7% had someone living alone who was 65 years of age or older. The average household size was 2.3, and the average family size was 3.0.
As of the 2000 census, 60,389 people and 15,673 families resided in the city. The population density was 3,803.5 inhabitants per square mile (1,468.3/km). There were 30,643 housing units at an average density of 1,930.0 persons per square mile (745.0 persons/km). The racial makeup of the city was 70.36% White, 22.89% African American, 0.22% Native American, 1.52% Asian, 0.05% Pacific Islander, 2.36% from other races, and 2.60% from two or more races. About 9.21% of the population were Hispanic or Latino of any race.
There were 26,210 households, out of which 22.2% had children under the age of 18 living with them, 45.4% were married couples living together, 10.9% had a woman whose husband did not live with her, and 40.2% were non-families. About 33.0% of all households were made up of individuals and 17.8% had someone living alone who were 65 years of age or older. The average household size was 2.26 and the average family size was 2.87.
In the city the population was spread out in 2000, with 19.9% under the age of 18, 6.4% from 18 to 24, 28.1% from 25 to 44, 19.8% from 45 to 64, and 25.8% who are 65 years of age or older. The median age was 42 years. For every 100 females there were 87.9 males. For every 100 females age 18 and over, there were 84.5 males.
In 2000, the median income for a household in the city was $39,845, and the median income for a family was $47,546. Males had a median income of $32,503 versus $26,399 for females. The per capita income for the city was $22,573. About 7.4% of families and 10.2% of the population were below the poverty line, including 17.9% of those under age 18 and 7.2% of those age 65 or over.
Native speakers of English accounted for 80.09% of all residents in 2000, while speakers of French Creole comprised 7.51%, Spanish was at 7.30%, French consisted of 1.02%, Italian at 0.97%, and German made up 0.87% of the population.
In 2021, Boynton Beach had a labor force of 41,266 people, while 25,208 people 16 years of age or older were not in the labor force. By number of employees, the largest employers in Boynton Beach in 2020 were Bethesda Memorial Hospital and the city government, with the former employing 2,579 people and the latter employing 843 people. However, as of 2020, only 11.9% of jobs in Lake Worth Beach were held by city residents, with the most common other residencies being Boca Raton (12.1%), Delray Beach (8.0%), West Palm Beach (7.0%), Palm Springs (4.3%), Fort Lauderdale (2.8%), Deerfield Beach (2.1%), Pompano Beach (1.5%), Wellington (1.3%), and Palm Beach Gardens (1.3%). Among the city’s labor force, the most common professions as of 2021 included educational services, and health care and social assistance (22.0%); retail (14.6%); professional, scientific, and management, and administrative and waste management services (14.2%); arts, entertainment, and recreation, and accommodation and food services (11.4%); and finance and insurance, and real estate and rental and leasing (7.0%).
Like all of Palm Beach County, Boynton Beach is served by the School District of Palm Beach County. As of 2006, it was the fifth largest school district in Florida and the twelfth largest school district in the United States.
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The Boynton Beach Historical Society formed in 1968. According to its website, the historical society’s mission is “to act as a living repository for Boynton Beach’s traditions and history, to interpret items of historical and antiquarian significance, and to promote a better understanding of the history of Boynton Beach, Palm Beach County and the State of Florida.” The organization does not have a physical location. As such, the Boynton Beach Public Library houses its archives and records. In addition to Boynton Beach, the historical society also maintains materials relevant to the histories of Briny Breezes, Gulf Stream, Hypoluxo, Lake Worth Beach, Lantana, Manalapan, and Ocean Ridge, as well as areas from the city’s western boundaries to U.S. Route 441.
The city’s Historic Resources and Preservation Board lists 170 historic sites, including commercial and residential buildings, bridges, cemeteries, churches, social clubs, and other architectural features. Additionally, the board maintains two heritage trails, one for the 30 sites listed in downtown and another for the 3 historic cemeteries. Federally, Boynton Beach has two structures listed on the National Register of Historic Places – the Boynton Woman’s Club and the Boynton School, now known as the Schoolhouse Children’s Museum & Learning Center.
Boynton Beach is served by a Tri-Rail station of the same name linking Boynton Beach to West Palm Beach to the north and Miami to the south. It is also serviced by local buses provided by PalmTran.
Boynton Beach has an arts district. It was named as one of South Florida’s “emerging neighborhoods” by the South Florida Business Journal in 2017.
Boynton Beach commissioned a mural showing three of its firefighters, unveiled in 2020, for a window covering at a new fire station. The mural depicted former fire chief Glenn Joseph, and former deputy fire chief Latosha Clemons, both of whom are Black. Clemons was the city’s first Black female fire fighter. The mural depicted both of them as White, and Clemons sued the city for defamation, libel and negligence. The city has since removed the mural and settled the lawsuit.