Owner Operator Insurance Requirements Palm Beach Gardens, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Palm Beach Gardens, 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 Palm Beach Gardens, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Palm Beach Gardens, 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.
Palm Beach Gardens is a city in Palm Beach County in the U.S. state of Florida, 77 miles north of Miami. Palm Beach Gardens is a principal city of the Miami metropolitan area. As of the 2020 United States Census, the population was 59,182.
The city has a total area of 55.3 square miles (143 km), of which 55.1 square miles (143 km) is land and 0.2 square miles (0.52 km) (4.5%) is water.
Palm Beach Gardens has a tropical rainforest climate (Af) with long, hot, and rainy summers and short, warm winters with mild nights.
Prior to development, the land that became Palm Beach Gardens was primarily cattle ranches and pine forests, as well as swampland farther west. In 1959, wealthy landowner and insurance magnate John D. MacArthur announced plans to develop 4,000 acres (16 km) and build homes for 55,000 people. He chose the name Palm Beach Gardens after his initial choice, Palm Beach City, was denied by the Florida Legislature, because of the similarity of the name to the nearby Palm Beach. MacArthur planned to build a “garden city” so he altered the name slightly. The city was incorporated as a “paper town” (meaning that it existed only on paper) in 1959. The 1960 Census recorded that the city officially had a population of one, apparently a squatter whom MacArthur had allowed to stay on his property.
Rapid development took place in the 1960s. By 1970 the city had a population approaching 7,000 people. To showcase his new community, MacArthur purchased an 80-year-old banyan tree located in nearby Lake Park, that was to be cut down to enlarge a dentist’s office. It cost $30,000 and 1,008 hours of manpower to move it. A second banyan was moved the following year. While moving the first banyan tree over the Florida East Coast Railway, the massive tree shifted and disconnected the Western Union telephone and telegraph lines running adjacent to the railroad, cutting off most communications between Miami, 78 miles (126 km) to the south, and the outside world until the damage could be repaired. These trees still remain at the center of MacArthur Boulevard near Northlake Boulevard and are still featured on the city shield. In January 2007, the great-grandson of impressionist artist Pierre-Auguste Renoir, Alexandre Renoir, presented a painting to the city which depicts the Gardens banyan tree. It is currently on display at the city hall on North Military Trail.
City growth was slow but steady throughout the 1970s and 1980s, as the population has still not reached the predicted 55,000 people envisioned by MacArthur. However, the opening of the 1,300,000-square-foot (120,000 m) Gardens Mall in 1988 initiated a new wave of development, as did the sell off in 1999 of approximately 5,000 acres (20 km) in the city by the John D. and Catherine T. MacArthur Foundation. Development of this property happened quickly and led to much new growth in the city. The city adopted an Art in Public Places ordinance in 1989 and has amassed an eclectic collection of works.
The city suffered much damage to its tropical landscaping in the hard freezes of 1985 and 1989, but has experienced no freezing temperatures since then. The city was hit by Hurricane Frances, Hurricane Jeanne, and Hurricane Wilma in 2004 and 2005. Much of the city lost power for days at a time after each storm, and many traffic signals and directional signs in the city were destroyed. Many homes and businesses were severely damaged during the first two storms and contractors and construction materials were at a premium. Hundreds of homes were only nearing final repair when Hurricane Wilma hit the following year damaging or destroying many of those completed or ongoing repairs.
The Gardens Mall, PGA Commons, Midtown, Legacy Place, and Downtown at the Gardens are the center of the city’s retail market. They are located on the municipality’s main stretch on PGA Boulevard.
There are 12 golf courses within the city limits, including a course owned by the municipality. The Professional Golfers’ Association of America has its headquarters in the city.
The Honda Classic has been held at two Palm Beach Gardens locations: from 2003 to 2006 at the Country Club at Mirasol and since 2007 at the PGA National Resort and Spa. Also, the Senior PGA Championship was held at the current BallenIsles from 1964 to 1973, and at the PGA National Golf Club from 1982 to 2000. PGA National was also the site of the 1983 Ryder Cup and the 1987 PGA Championship.
In February 2018, the Palm Beach Gardens-based company FITTEAM concluded a 12-year deal with Major League Baseball′s Houston Astros and Washington Nationals giving it the naming rights to The Ballpark of the Palm Beaches – spring training home of the Astros and Nationals – in nearby West Palm Beach. The facility was renamed FITTEAM Ballpark of the Palm Beaches.
According to Palm Beach Gardens’ 2014 Comprehensive Annual Financial Report, the top employers in the city are:
Public K-12 primary and secondary schools are administrated by the School District of Palm Beach County. Palm Beach Gardens Community High School and William T. Dwyer High School are the local public high schools. The Upper School campus of The Benjamin School is also located in Palm Beach Gardens.
The Edward M. Eissey Campus, a satellite campus of the Palm Beach State College, is located in Palm Beach Gardens. It includes the Eissey Theatre for the Performing Arts.
As of the 2020 United States census, there were 59,182 people, 24,191 households, and 14,907 families residing in the city.
As of 2010, there were 27,663 households, out of which 17.6% were vacant.
As of 2000, 23.4% had children under the age of 18 living with them, 53.8% were married couples living together, 8.9% had a female householder with no husband present, and 34.5% were non-families. 27.7% of all households were made up of individuals, and 10.5% had someone living alone who was 65 years of age or older. The average household size was 2.23 and the average family size was 2.70.
In 2000, the city’s population was spread out, with 18.7% under the age of 18, 5.1% from 18 to 24, 26.3% from 25 to 44, 28.9% from 45 to 64, and 21.1% who were 65 years of age or older. The median age was 45 years. For every 100 females, there were 90.0 males. For every 100 females age 18 and over, there were 86.4 males.
In 2007, the median income for a household in the city was $69,630 and the median income for a family was $83,715. In 2000, males had a median income of $50,045 versus $33,221 for females. In 2015, The per capita income for the city was $52,191. About 3.5% of families and 5.6% of the population were below the poverty line, including 6.9% of those under age 18 and 3.5% of those age 65 or over.
As of 2000, 89.27% of the population spoke only English at home; Spanish was spoken by 5.60% of the population, Italian by 1.00%, French by 0.83%, and German by 0.61%. Eleven other languages were spoken in the city, each of which are reported at less than 0.5%.
The Palm Beach Gardens Police Department has 127 sworn officers as of 2022. Its operational divisions include Road Patrol, Traffic, K-9, Detective and Crime Scene Investigation, SWAT and Hostage Negotiation. The department also has an 85-member Volunteers in Police Service (VIPS) unit, including a Police Explorer Post.
As of 2022, the Chief of Police is Clinton Shannon. In 2016 a police officer was convicted for the killing of Corey Jones, an African American man awaiting a tow truck after his vehicle broke down in Palm Beach Gardens.
The Police Department provides protection to the city and also manages NorthComm – The North County Communications Center which handles emergency communications for the City of Palm Beach Gardens, the village’s of Tequesta and North Palm Beach, and the town’s of Jupiter, Juno Beach and Palm Beach Shores. When someone calls 9-1-1 in one of these locations, their call is routed to NorthComm and from there they notify the nearest available police unit.
The Palm Beach Gardens Police Foundation is a non-profit foundation holding IRS 501(c)(3) status. The Mission of the Palm Beach Gardens Police Foundation is to secure private funding to enhance the integrity of the community and the effectiveness of the Police Department. It does this by providing funding for innovative police department projects, that would not otherwise be funded from the city’s budget.
The Palm Beach Gardens Fire Rescue Department has been serving the citizen’s of the city since 1964. The department operates out of the following five stations located throughout the city:
On September 11, 2010, the city dedicated its “09.11.01 Memorial Plaza” at Fire Station 63 on Northlake Boulevard. The memorial commemorates the September 11, 2001 attacks. Its centerpiece is a steel section retrieved from the ruins of the World Trade Center in New York City.
The city charter provides for a council-manager government. The city council consists of five Palm Beach Gardens residents elected to serve three-year terms. A quorum of three members may conduct city business. The city manager is appointed by a majority vote of the council.
Each year, the council appoints one of its members to be mayor, and another to be vice-mayor.
In December 1987, the last “missing link” of Interstate 95 (I-95) opened between PGA Boulevard in Palm Beach Gardens and State Road 714, west of Stuart, paving the way for new development immediately to the north. There are three interchanges on I-95 serving the city and a fourth at Central Boulevard is under consideration. The city also is served by two interchanges on Florida’s Turnpike.
Public transit is available to the rest of Palm Beach County through the regional commuter bus system PalmTran. In addition, the South Florida Regional Transportation Authority has proposed extending the Tri-Rail commuter rail system northward with a proposed station near PGA Boulevard north of the current terminus at Mangonia Park. A trolley system is also proposed to serve the newly developed “Downtown” area.
The nearest major airports, with driving distances measured from Palm Beach Gardens city hall, are:
The nearest general aviation airports are:
Some notable Palm Beach Gardens residents, past and present, include:
