Owner Operator Insurance Requirements Gables by the Sea, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Gables by the Sea, 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 Gables by the Sea, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Gables by the Sea, 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.
Coral Gables is a city in Miami-Dade County, Florida, United States. The city is part of South Florida’s Miami metropolitan area and is located 7 miles (11 km) southwest of Downtown Miami. As of the 2020 U.S. census, it had a population of 49,248.
Coral Gables is known globally due to being home to the University of Miami, one of the nation’s private research universities whose main campus spans 240 acres (0.97 km) in the city. With 16,479 faculty and staff as of 2021, the University of Miami is the largest employer in Coral Gables and second-largest employer in all of Miami-Dade County.
The city is a Mediterranean-themed planned community known for its historic and affluent character reinforced by its strict zoning, popular landmarks, and tourist sights.
Coral Gables was formally incorporated as a city on April 29, 1925. It was and remains a planned community based on the popular early twentieth century City Beautiful Movement and is known for its strict zoning regulations. The city was developed by George Merrick, a real estate developer from Pennsylvania, during the Florida land boom of the 1920s. The city’s architecture is almost entirely Mediterranean Revival style, mandated in the original plan, with an emphasis on Spanish influence in particular, such as the Coral Gables Congregational Church, donated by Merrick. The domed Catholic Church of the Little Flower was built somewhat later, in a similar Spanish Renaissance style.
Early in the city’s planning and development, Merrick shared his vision for Coral Gables as “a most extraordinary opportunity for the building of ‘Castles in Spain’,” as explored in Coral Gables historian Arva Moore Parks’ 2006 book George Merrick’s Coral Gables: Where Your ‘Castles in Spain’ are Made Real. Merrick’s success in executing this vision for the city would catch the attention of Spain’s King, Alfonso XIII, who awarded Merrick the Order of Isabella the Catholic for his support of Spanish culture in Coral Gables.
By 1926, the city covered 10,000 acres (4,000 ha) and had netted $150 million in sales, with over $100 million spent on development. That year also saw the opening of the Biltmore Hotel and Golf Course, a major landmark in city.
Merrick meticulously designed the city with distinct zones. For example, he designed the Downtown commercial district to be only four blocks wide and more than 2 miles (3.2 km) long. The main artery, now known as Miracle Mile, bisected the business district. Merrick could boast that every business in Coral Gables was less than a two-block walk. The city used to have an electric trolley system, which was replaced by the popularity of modern automobiles, but now a new free circulator trolley system, initiated in November 2003, runs down Ponce de León Boulevard. Another distinctive and character-defining feature of the city planned by Merrick are the themed Coral Gables Villages that date to the 1920s and were designed to expand the city’s architecture beyond Spanish influence to include Italian, French, and Dutch South African among others.
In 1925, roughly simultaneous to the founding of Coral Gables, the University of Miami was constructed on 240 acres (97 ha) of land just west of U.S. Route 1, approximately two miles south of Downtown Coral Gables. By the fall of 1926, the first class of 372 students enrolled at the university.
During World War II, many Navy pilots and mechanics were trained and housed in Coral Gables.
Coral Gables has traditionally placed high priority on historic preservation. The city passed its first preservation ordinance in 1973 as many of its founding structures from the 1920s began to reach their 50th anniversaries. Further ordinances were enacted in the 1980s establishing the Historic Preservation Board and in the 1990s establishing the Historic Preservation Department, now called the Historical Resources & Cultural Arts Department. As part of the city’s historic preservation program the Historical Resources Department is tasked with researching and identifying significant properties and local landmarks for listing in the Coral Gables Registry of Historic Places as well as on national historic registers. The department also reviews modifications to locally designated landmarks and initiates grant proposals. The Historic Preservation Board is a quasi-judicial body that votes on local landmark designations and other issues pertaining to the historic character of the city.
Coral Gables is located at 25°43′42″N 80°16′16″W / 25.728228°N 80.270986°W. It is bordered on the west by Red Road (West 57th Avenue) north of Sunset Drive (South 72nd Street) and West 49th Avenue and Old Cutler Roads south of Sunset Drive. It is bordered on the north by Tamiami Trail/U.S. Route 41 (South 8th Street), except for a small section that extends north of 8th Street for eight blocks between Ponce de Leon Boulevard and Douglas Road (West 37th Avenue).
On the east, it is bordered by Douglas Road (West 37th Avenue) north of South 26th Street, Monegro Street south of South 26th Street to Cadima Avenue, Ponce De Leon Boulevard south of Cadima Avenue to South Dixie Highway (U.S. Route 1), LeJeune Road (West 42nd Avenue) south of U.S. 1 to Battersea Road, and by Biscayne Bay south of Battersea Road. On the south, it is bordered by the Charles Deering Estate.
According to the U.S. Census Bureau, the city has a total area of 37.2 square miles (96 km) of which 13.1 square miles (34 km) is land and 24.0 square miles (62 km) (64.64%) is water.
As of 2010, there were 20,266 households, of which 11.4% were vacant. In 2000, 24.45% had children under the age of 18 living with them. In Coral Gables, 61.11% were family households, 17.3% had a female householder with no husband present, and 38.89% were non-families. The average household size was 2.36, and the average household had 1.68 vehicles.
In 2015, estimated income figures for the city were as follows: median household income, $93,934; average household income, $150,808; per capita income, $57,195. About 7.6% of citizens were estimated to be living below the poverty line.
Coral Gables is a pedestrian-friendly destination. Located four miles from Miami International Airport, the “City Beautiful” has around 140 dining establishments and gourmet shops, and many notable international retailers. Among Coral Gables landmarks are the Venetian Pool, Douglas Entrance, and Miami Biltmore hotel.
Coral Gables has one newspaper, Coral Gables News Tribune, which is published twice monthly and covers local and regional news and one weekly newspaper that is published as part of the portfolio of Miami Community Newspapers publications.
At the University of Miami in Coral Gables, The Miami Hurricane, the official student newspaper, is published weekly each Tuesday.
Coral Gables is part of the Miami-area media market.
Numerous movies have been filmed fully or partially in Coral Gables, including Nude on the Moon (1961), Goldilocks and the Three Bares (1963), Jimmy, the Boy Wonder (1966), I Eat Your Skin (1971), Shock Waves (1977), Absence of Malice (1981), The Mean Season (1985), Miami Rhapsody (1995), Bad Boys (1995), The Perez Family (1995), Fair Game (1995), Two Much (1995), Blood and Wine (1996), Curdled (1996), Wild Things (1998), The Hours (2002), My Sexiest Year (2007), Dostna (2008), Posthumous (2012), and others.
The city also is featured in television and video games, including:
Coral Gables holds several of the wealthiest zip codes (33156, 33143, 33133, and 33146) and neighborhoods in the United States, such as Hammock Oaks, Old Cutler Bay, Gables Estates, Tahiti Beach, Snapper Creek and Lakes, Cocoplum, and Gables By The Sea.
Major economic contributors to Coral Gables include:
Coral Gables is served by Metrobus throughout the area, and by Miami Metrorail at:
Coral Gables provides a free trolley service, with a trolley running a continuous circuit up and down Ponce de Leon Boulevard during the day.
Coral Gables is served by rapid transit on Douglas Road at Douglas Road station at the University of Miami at University Station near Sunset Drive and Red Road at South Miami station, which connects the city with Downtown Miami and Miami International Airport.
Several countries operate consulates in Coral Gables, including Barbados, Colombia, El Salvador, Italy, Peru, Spain, Monaco, St. Lucia, and Uruguay.
Several countries have honorary consulates located in Coral Gables, including Australia, Belize, Hungary, Senegal, St. Kitts & Nevis, Togo, and Thailand. The Taipei Economic and Cultural Office maintains Taiwan’s diplomatic mission at 2333 Ponce De Leon Boulevard in Coral Gables.
The University of Miami, a private university ranked in the top tier of national universities, with particular national status in the fields of business, engineering, law, marine science, medicine, communications, and music, is located in Coral Gables.
Coral Gables schools are part of Miami-Dade School District, which serves Miami-Dade County. The district has several high schools in Coral Gables, most notably Coral Gables Senior High School and International Studies Preparatory Academy, both of which educate students in grades nine through 12. It also has a K–8 school, Coral Gables Preparatory Academy (formerly Coral Gables Elementary School), with two campuses, including a historic campus located on Ponce de Leon Boulevard. Henry S. West Laboratory Elementary is another school for K–6. Finally it has two middle schools: George Washington Carver Middle School located on Lincoln Drive and Ponce de Leon Middle School located across from the University of Miami on the east side of U.S. Route 1 on Augusto Street. Present day George Washington Carver Middle was moved to the current location on Grand Avenue on land donated by George Merrick. When Carver died in 1942, the school was renamed in his honor.
Gulliver Academy, Marian C. Krutulis Campus, a PreK–8 school that is a member of Gulliver Schools, is within Coral Gables. The management offices of Gulliver Schools were formerly located in Coral Gables. The lower campus of Riviera Schools is located in Coral Gables.
The historic St. Theresa Catholic School, a Pre-K–8 school is located near Coral Gables Biltmore Hotel. St. Philip’s Episcopal School, French-American School of Miami, and St. Thomas Episcopal Parish School, all Pre-K–5 schools, are also located in Coral Gables. Coral Gables Preparatory Academy, a private K-8 school, is located in Coral Gables.
Miami-Dade Public Library System operates Coral Gables Branch Library in Coral Gables.
Coral Gables’ sister cities are: