Owner Operators Commercial Truck Insurance Near Me Daytona Beach, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Daytona 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 Daytona Beach, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Daytona 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.
Daytona Beach, or simply Daytona, is a coastal resort city in east-central Florida. Located on the eastern edge of Volusia County near the Atlantic coastline, its population was 72,647 at the 2020 census. Daytona Beach is approximately 42 miles (67.6 km) northeast of Orlando, 90 miles (144.8 km) southeast of Jacksonville, and 231 miles (371.8 km) northwest of Miami. It is part of the Deltona–Daytona Beach–Ormond Beach metropolitan area which has a population of about 600,000 and is also a principal city of the Fun Coast region of Florida.
Daytona Beach is historically known for its beach, where the hard-packed sand allows motorized vehicles on the beach in restricted areas. This hard-packed sand made Daytona Beach a mecca for motorsports, and the old Daytona Beach and Road Course hosted races for over 50 years. This was replaced in 1959 by Daytona International Speedway. The city is also the headquarters of NASCAR.
Daytona Beach hosts large groups of out-of-towners during the year, who visit the city for various events, notably Speedweeks in early February when over 200,000 NASCAR fans come to attend the season-opening Daytona 500. Other events include the NASCAR Coke Zero Sugar 400 race in August, Bike Week in early March, Biketoberfest in late October, and the 24 Hours of Daytona endurance race in January.
The area where Daytona Beach is located was once inhabited by the indigenous Timucuan Indians who lived in fortified villages. The Timucuas were nearly exterminated by contact with Europeans through war, enslavement and disease and became extinct as a racial entity through assimilation and attrition during the 18th century. The Seminole Indians, descendants of Creek Indians from Georgia and Alabama, frequented the area prior to the Second Seminole War.
During the era of British rule of Florida between 1763 and 1783, the King’s Road passed through present-day Daytona Beach. The road extended from Saint Augustine, the capital of East Florida, to Andrew Turnbull’s experimental colony in New Smyrna. In 1804 Samuel Williams received a land grant of 3,000 acres (12 km) from the Spanish Crown, which had regained Florida from the British after the American Revolutionary War. This land grant encompassed the area that would become Daytona Beach. Williams built a slave-labor-based plantation to grow cotton, rice and sugar cane. His son Samuel Hill Williams would abandon the plantation during the Second Seminole War, when the Seminoles burned it to the ground.
The area now known as the Daytona Beach Historical District was once the Orange Grove Plantation, a citrus and sugar cane plantation granted to Samuel Williams in 1787. The plantation was situated on the west bank of the tidal channel known as the Halifax River, 12 miles north of Mosquito Inlet. Williams was a British loyalist from North Carolina who fled to the Bahamas with his family until the Spanish reopened Florida to non-Spanish immigration. After his death in 1810, the plantation was run by his family until it was burned down in 1835. In 1871, Mathias Day Jr. of Mansfield, Ohio, purchased the 3,200-acre tract of the former Orange Grove Plantation. He built a hotel around which the initial section of town arose. In 1872, due to financial troubles, Day lost title to his land; nonetheless, residents decided to name the city Daytona in his honor, and incorporated the town in 1876.
In 1886, the St. Johns & Halifax River Railway arrived in Daytona. The line would be purchased in 1889 by Henry M. Flagler, who made it part of his Florida East Coast Railway. The separate towns of Daytona, Daytona Beach, Kingston, and Seabreeze merged as “Daytona Beach” in 1926, at the urging of civic leader J. B. Kahn and others. By the 1920s, it was dubbed “The World’s Most Famous Beach”.
Daytona’s wide beach of smooth, compacted sand attracted automobile and motorcycle races beginning in 1902, as pioneers in the industry tested their inventions. It hosted land speed record attempts beginning in 1904, when William K. Vanderbilt set an unofficial record of 92.307 mph (148.554 km/h). Land speed racers from Barney Oldfield to Henry Segrave to Malcolm Campbell would visit Daytona repeatedly and make the 23 mi (37 km) beach course famous. Record attempts, including numerous fatal endeavors such as Frank Lockhart (Stutz Black Hawk, 1928) and Lee Bible (Triplex Special, 1929), would continue until Campbell’s March 7, 1935 effort, which set the record at 276.816 mph (445.492 km/h) and marked the end of Daytona’s land speed racing days.
On March 8, 1936, the first stock car race was held on the Daytona Beach Road Course, located in the present-day Town of Ponce Inlet. In 1958, William France Sr. and NASCAR created the Daytona International Speedway to replace the beach course. Automobiles are still permitted on most areas of the beach, at a maximum speed of 10 mph (16 km/h).
Daytona Beach is located at 29°12′N 81°2′W (29.2073, −81.0379). According to the United States Census Bureau, the city has a total area of 64.93 sq mi (168 km). of which 58.68 sq mi (152 km) is land and 6.25 sq mi (16 km) is water, with water thus comprising 9.6% of the total area.
The city of Daytona Beach is split in two by the Halifax River lagoon, part of the Intracoastal Waterway, and sits on the Atlantic Ocean. It is bordered on the north by Holly Hill and Ormond Beach and on the south by Daytona Beach Shores, South Daytona and Port Orange.
Daytona Beach has a humid subtropical climate (Köppen climate classification Cfa), which is typical of the Gulf and South Atlantic states. As is typical of much of Florida, there are two seasons in Daytona Beach; the warmer, wetter season (late May through October) and the cooler and drier season (November through April).
In summer, temperatures are relatively stable and there is an average of only 8 days annually with a maximum at or above 95 °F (35 °C); the last 100 °F (38 °C) reading was seen on August 2, 1999. The Bermuda High pumps hot and unstable tropical air from the Bahamas and Gulf of Mexico, resulting in daily, but brief thundershowers. This results in the months of June through September accounting for a majority of the average annual rainfall of 51.25 in (1,302 mm).
In winter, Daytona Beach has weather conditions typical of other cities on the Florida peninsula. On average, the coolest month is January, with a normal monthly mean temperature of 58.8 °F (14.9 °C). It is the only month where the average high temperature falls below 70.0 °F (21.1 °C). Occasional cold fronts can bring freezes, which from 1991 to 2020 were seen on an average of 3.0 nights annually; however, minima below 25 °F (−4 °C) are very rare, and were last seen on December 28, 2010. Like much of Florida, Daytona Beach often can be very dry in late winter and early spring, and brush fires and water restrictions can be an issue.
Official record temperatures range from 15 °F (−9 °C) on January 21, 1985, up to 102 °F (39 °C) on July 15, 1981, and June 24, 1944; the record cold daily maximum is 33 °F (1 °C) on Christmas day 1983, while, conversely, the record warm daily minimum is 82 °F (28 °C) on September 1 and 10–11, 2008 and August 25, 2020. Annual rainfall has ranged from 31.36 in (797 mm) in 2006 and 1956, up to 79.29 in (2,014 mm) in 1953. The most rainfall to have occurred in a calendar day was 12.85 in (326 mm) on October 10, 1924, which contributed to 24.82 in (630 mm) of rain that fell that month, the most of any calendar month.
Typically tropical cyclones pass offshore once they reach the northern portion of the Atlantic coast of Florida. As such, the hurricane risk for Daytona Beach is significantly lower than areas of southern Florida like Miami and Key West. The 2004 hurricane season was by far the most active in the Daytona Beach area in the last 50 years. However, since 1950 there has only been one direct hit by a tropical cyclone to the Daytona Beach area, Hurricane Donna in 1960.
Although Daytona Beach has a significantly lesser tornado risk than areas like the Great Plains and Midwest, there have been a few deadly and destructive tornadoes in the last 100 years in Daytona Beach area. Most recently, on February 22, 1998, a tornado killed three people, injured 70, and caused $31 million in damages.
On July 3, 1992, a 28-mile (45 km) long rogue wave hit the Volusia County beaches. The wave’s range was from Ormond Beach in the north, to New Smyrna Beach on the south. The crest was 9 feet (2.7 m) high and centered at Daytona Beach. Sailboats crashed ashore onto cars and many people suffered cuts and bruises from glass and debris. Two people required hospitalization and 200 vehicles were damaged. Seventy five injuries were reported. The prevailing theory is that an underwater landslide caused the rogue wave, although others have theorized that it was the result of a squall line.
Under Daytona Beach’s commission-manager form of government, voters elect a City commission which consists of seven members who serve four-year, staggered terms. Six are elected by district, the mayor is elected citywide.
The city commission establishes ordinances and policies for the city. It also reviews and approves the city budget annually. The commission appoints a city manager, who carries out the will of the commission and handles day-to-day business.
Law enforcement in Daytona Beach is provided by the 241-member Daytona Beach Police Department (DBPD) headed by police chief Craig Capri. In a unique and controversial program to help fund the Police Explorer program, run by a subsidiary of the Boy Scouts of America, T-shirts with the words Scumbag Eradication Team: Not in Our Town are sold at the police headquarters.
The T-shirts contain a caricature of Retired Chief Chitwood standing next to a toilet bowl with the legs of multiple individuals sticking out. The T-shirt has been cited in at least one lawsuit against the DBPD alleging police brutality, the lawyer in the case in which the client sustained broken ribs and a fractured eye socket during an arrest for an open container of beer, claims the T-shirt shows the DBPD condones violence.
The Volusia County Sheriff’s office, headed by Mike Chitwood is a countywide law enforcement agency with 446 sworn positions, 438 civilian employees, 300 volunteers and an annual operating budget of $73 million that has jurisdiction in unincorporated areas of Volusia County and provides additional law enforcement support to Daytona Beach during such events as the Daytona 500 and aids in joint investigations of certain crimes.
The Volusia County Beach Patrol provides law enforcement as well as EMT services along Volusia County beaches including the beaches in the city of Daytona Beach.
The city of Daytona Beach made national headlines when it designated the several–mile radius around Main Street on the barrier island portion of the city as a blighted area and has targeted it for redevelopment by private developers. This follows the Supreme Court decision of the eminent domain case in Kelo v. City of New London, which upheld the right of municipalities to use eminent domain to take private property for redevelopment by private entities.
The United States Postal Service operates a post office at 500 Bill France Boulevard in Daytona Beach.
The Daytona Beach Armed Forces Reserve Center is home of the Florida Army National Guard 1st Battalion, 265th Air Defense Artillery Regiment, Headquarters and Headquarters Battery, Battery D.
Daytona Beach is part of Florida’s 6th congressional district. It is part of Florida’s 25th and 26th State House of Representatives Districts and the 6th and 8th State Senate Districts.
Florida’s 6th congressional district, which extends from the southern Jacksonville suburbs to New Smyrna Beach and includes St. Augustine and Daytona Beach, is currently represented by Republican Michael Waltz.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.