Owner Operator Insurance Requirements Miramar, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Miramar, 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 Miramar, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Miramar, 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.
Miramar is a city in southern Broward County, Florida. It is a key suburb of the Miami metropolitan area, which was home to 6.14 million people in 2020. As of the 2020 census, the population was 134,721, making it the fourth-largest city in Broward County, the sixth-largest city in the Miami metro area, and the 14th-largest city in Florida.
Miramar was founded by A.L. Mailman to serve as a “bedroom community” for nearby Miami and Fort Lauderdale. Mailman bought the original property he was to develop from H.D. Perry, Sr. in 1953. He built 56 homes on the property that were inexpensive homes of concrete and flat roofs. These homes sold quickly because of the low cost of both the homes and the land, and the city of Miramar came into being.
The city was incorporated on May 26, 1955, and was named for the Miramar area of Havana, Cuba where Mailman had a summer home (Miramar translates to “look at the sea” in Spanish). At the time of incorporation, the city had a population of less than two hundred people. With approximately 2.9 square miles of land area, Miramar’s original city boundaries were Southwest 64 Avenue on the east, University Drive on the west, the Dade County line on the south, and Pembroke Road on the north. On June 20, 1955, the city’s first mayor (Robert Gordon) and city council were sworn in, all of whom were appointed by the governor and served until January 1959, at which time the first municipal election was held. Mayor Robert Gordon is the individual who is attributed to have given the city its name. The city seal is inscribed with the motto “Beauty and Progress”.
H.D. Perry Sr.’s part in Miramar did not cease with selling the land to Mailman for development. He is recognized as one of the foremost pioneers in the history of Miramar. His character and civic-activities influenced not only the lives of early residents but continues to the present day, as evidenced by the schools and parks in the city which bear his family’s name. Many long-time residents fondly recall the community barbecues hosted by Mr. and Mrs. Perry during those early years. Others are grateful to Mr. Perry for the lessons in animal husbandry, which he conducted for the benefit of Miramar’s youth so that they could learn something of farm life.
The only major roads when Miramar was developed were U.S. 441 which was a two-lane road at that time, Hallandale Beach Boulevard to Southwest 66 Terrace and Pembroke Road which was a dirt road to University Drive. There were no other transportation routes of any kind supplying access to the new community. Miramar’s early city fathers advocated the philosophy of planned and controlled growth. The city adopted a Comprehensive Land Use Plan in 1972 before cities and counties were mandated to do so. This provided the framework for the orderly development of future growth. Two-thirds of the land within city limits is currently undeveloped.
According to the United States Census Bureau, the city has a total area of 31.3 square miles (81.0 km), of which 29.5 square miles (76.5 km) is land and 1.8 square miles (4.6 km) (5.66%) is water.
A 2017 study put the city in fifth place for US cities most vulnerable to coastal flooding, with 93,000 residents living within FEMA’s coastal floodplain.
The city is bordered by the following municipalities:
To the north:
To the northeast:
To the east:
To the south:
As of 2000, Miramar had the fifth highest percentage of Jamaican residents in the United States, with 15.4% of the populace, the 58th highest percentage of Colombian residents in the US, at 2.51% of the city’s population, and the 48th highest percentage of Cuban residents in the US, at 8.77% of the city’s population. It also had the 78th most Dominicans in the US, at 1.98%, while it had the 31st highest percentage of Haitians (tied with West Little River), at 6% of all residents. Miramar’s Trinidadian community had the 12th highest percentage of residents, which was at 1.2% (tied with Wheatley Heights, New York, and Neptune City, New Jersey).
Spirit Airlines moved to Miramar from Eastpointe, Michigan, in November 1999. JL Audio and Arise Virtual Solutions are also headquartered in Miramar.
The Leadership in Energy & Environment Design in Miramar houses the Federal Bureau of Investigation (FBI) Miami field office and a General Services Administration (GSA) office; named after two FBI agents who died in the 1986 FBI Miami Shootout, it is a 330,000 square feet (31,000 m) Leadership in Energy & Environment Design (LEED) facility located on a 20-acre (8.1 ha) site. The FBI field office, previously in North Miami Beach, moved to Miramar on December 8, 2014. The building was dedicated on April 10, 2015.
According to Miramar’s 2016 Comprehensive Annual Financial Report, the top employers in the city were:
The Miramar Cultural Center and ArtsPark was created to celebrate creativity and diversity within the city. Located in the heart of the Miramar Town Center, situated adjacent to City Hall and centrally located, the center is visible and accessible from Red Road, Miramar Boulevard and Hiatus Road and features ample free parking on-site.
The Miramar Branch Library Education Center’s collection consists of over 80,000 items in all media and genres. The library also offers video games in several PlayStation, Xbox and Wii formats. Other features include a 100-seat multi-purpose room, conference room, group study room, several tutoring rooms and over 50 public computers and printed with instruction and special software available in its Computer Center.
The Miramar Regional Park Amphitheater provides an opportunity for live concert performances and outdoor entertainment to be housed and produced in a uniquely developed venue in South Florida. An open-air venue that will seat 5,000 people (3,000 covered canopy; 2,000 grass area), it is also used for film and television production. Amenities includes a ticket booth, electronic signage, lakes, and fountains.
Miramar is served by Broward County Public Schools.
The Roman Catholic Archdiocese of Miami operates Catholic schools. Saint Bartholomew Catholic School is in Miramar.
Saint Stephen Catholic School opened in 1956. It opened in the 1950s and closed in 2009, with the building rented to a charter school.
On June 20, 1955, the city’s inaugural mayor and city council were sworn in, all having been appointed by the Governor of Florida. They all served until the city’s first municipal elections were held in 1959.
The city’s current mayor is Wayne Messam.
Miramar currently operates under a council–manager government.
Up until March 13, 1991, the city had previously operated under the “strong mayor” form of the mayor–city council form of government. In 1989, by unanimous accord of the mayor and the Miramar City Commission, work was laid to study changing to a council–manager form of government. On March 14, 1990, Miramar voters approved a referendum to change to this form of government.
Miramar is a part of the Miami-Fort Lauderdale-Hollywood media market, which is the twelfth largest radio market and the seventeenth largest television market in the United States. Its primary daily newspapers are the South Florida-Sun Sentinel and The Miami Herald, and their Spanish-language counterparts El Sentinel and El Nuevo Herald. WTVJ, the Miami area’s NBC owned and operated station and WSCV, the Telemundo station also owned by NBC shares their studios and administrative offices in Miramar.
