Owner Operators Commercial Truck Insurance Near Me Lakeland, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Lakeland, 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 Lakeland, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Lakeland, 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.
Lakeland is the most populous city in Polk County, Florida, part of the Tampa Bay Area, located along Interstate 4 east of Tampa. According to the 2020 U.S. Census Bureau release, the city had a population of 112,641. Lakeland is a principal city of the Lakeland–Winter Haven Metropolitan Statistical Area.
European-American settlers arrived in Lakeland from Missouri, Kentucky, Tennessee, Georgia and South Carolina in the 1870s. The city expanded in the 1880s with the arrival of rail service, with the first freedmen railway workers settling here in 1883. They and European immigrants also came because of land development opportunities with farming, citrus, cattle and phosphate industry developing. Lakeland is home to the 1,267-acre Circle B Bar Reserve.
The first Paleo-Indians reached the central Florida area near the end of the last ice age, as they followed big game south. As the ice melted and sea levels rose, these Native Americans ended up staying and thrived on the peninsula for thousands of years. By the time the first Spanish conquistadors arrived, an estimated 350,000 Native Americans were living in what is now the state of Florida. Some of these first early tribes were the Tocobago, Timucua, and Calusa.
In 1527, a Spanish map showed a settlement near the Rio de la Paz. The arrival of the Spanish turned out to be disastrous to these Native American tribes. Within 150 years, the majority of the pre-Columbian Native American peoples of Florida had been wiped out. Those who had not succumbed to diseases such as smallpox or yellow fever were either killed or enslaved. Little is left of these first Native Americans cultures in Polk County except for scant archaeological records, including a few personal artifacts and shell mounds. Eventually, the remnants of these tribes merged with the Creek Indians who had arrived from the north and became the Seminole Indian tribe.
In the 18th century Native Americans groups, collectively called “Seminoles”, moved into the areas left vacant. In 1823 the United States and the various tribes in Florida signed the Treaty of Moultrie Creek, which created a reservation in central Florida that included what is now Polk County. Starting in 1832 the United States government tried to move the Seminoles in Florida west to the Indian Territory. Most of the Seminoles resisted, resulting in the Second Seminole War, 1835–1842. By the end of that war, most of the Seminoles had been sent west, with a few remnants pushed well south of what is now Polk County.
Florida became a state in 1845, and Polk County was established in 1861. After the American Civil War, the county seat was established southeast of Lakeland in Bartow. While most of Polk County’s early history centered on the two cities of Bartow and Fort Meade, eventually, people entered the areas in northern Polk County and began settling in the areas which became Lakeland.
Lakeland was first settled in the 1870s and began to develop as the rail lines reached the area in 1884. Freedmen settled here in 1883, starting development of what became the African-American neighborhood of Moorehead. Lakeland was incorporated January 1, 1885. The town was founded by Abraham Munn (a resident of Louisville, Kentucky), who purchased 80 acres (320,000 m) of land in what is now downtown Lakeland in 1882 and platted the land for the town in 1884. Lakeland was named for the many lakes near the town site.
In April 1898, the Spanish–American War began and started a crucial point in Lakeland’s development. While the war ended quickly and had little effect on most of the nation, the Florida peninsula was used as a launching point for military forces in the war. The then small town of Lakeland housed over 9,000 troops. The 10th Cavalry Regiment, one of the original Buffalo Soldier regiments, were housed on the banks of Lake Wire. Soon after being stationed there, the black troops faced conflict with the local white population. In one event, a local druggist refused to sell to black soldiers and an argument ensued which eventually escalated to the point where the druggist brandished a pistol. The soldiers shot the druggist before he could fire, which resulted in two of the troops being arrested.
The Florida boom resulted in the construction of many significant structures in Lakeland, a number of which are now listed on the National Register of Historic Places. This list includes the Terrace Hotel, New Florida Hotel (Regency Tower, currently Lake Mirror Tower), Polk Theatre, Frances Langford Promenade, Polk Museum of Art (not a product of the 1920s boom), Park Trammell Building (formerly the Lakeland Public Library and today the Lakeland Chamber of Commerce), and others. The city also has several historic districts that have many large buildings built during the 1920s and 1940s. The Cleveland Indians held spring training there from 1923 to 1927 at Henley Field Ball Park. Parks were developed surrounding Lake Mirror, including Barnett Children’s Park, Hollis Gardens, and the newest, Allen Kryger Park.
The “boom” period went “bust” quickly, and years passed before the city recovered. Part of the re-emergence was due to the arrival of the Detroit Tigers baseball team in 1934 for spring training. The Tigers still train at Lakeland’s Joker Marchant Stadium and own the city’s Class A Florida State League team, the Lakeland Flying Tigers. In the mid-1930s, the Works Progress Administration built the Lakeland Municipal Airport.
In 1938, Florida Southern College President Ludd Spivey invited architect Frank Lloyd Wright to design a “great education temple in Florida.” Wright worked on the project for over 20 years as Spivey found ways to fund it and find construction workers during World War II. Wright’s original plan called for 18 structures; in total he designed 30, but only 12 were completed. Wright’s textile block motif is used extensively on the campus. The concrete blocks he used are in need of restoration.
Wright titled the project Child of the Sun, describing his Florida Southern buildings as being “out of the ground, into the light, a child of the sun.” It is the largest single-site collection of Frank Lloyd Wright buildings in the world, and attracts 30,000 visitors each year. In 1975, the “Florida Southern Architectural District” was added to the National Register of Historic Places. In 2012, Wright’s campus was designated as a National Historic Landmark by the National Park Service.
At the beginning of World War II, the Lakeland School of Aeronautics—headquartered at the recently built Lakeland Municipal Airport—became part of a nationwide network of civilian flight schools enjoined for the war effort by the United States Army Air Corps.
Between 1940 and 1945, more than 8,000 Army Air Corps and Army Air Forces cadets trained on two-seater Stearman PT-17 and PT-13 biplanes at the school (renamed the Lodwick School of Aeronautics in the midst of this period).
From June 1941 until October 1942, 1,327 British Royal Air Force cadets trained at the Lakeland facility. The Lodwick School of Aeronautics closed in 1945. The airport ceased flight operations in the 1960; the site has since then housed the Detroit Tigers’ “Tiger Town” baseball complex.
According to the United States Census Bureau, the city has an area of 67 sq mi (173.5 km), of which 45.84 sq mi (118.7 km) is land and 5.61 sq mi (14.5 km) (10.90%) is covered by water. Lakeland is within the Central Florida Highlands area of the Atlantic coastal plain, with a terrain consisting of flatland interspersed with gently rolling hills.
The dominant feature in Lakeland is the city’s many lakes. Thirty-eight lakes are named, with a number of other bodies of water unnamed, mostly phosphate mine pits that eventually filled with water. The largest of these is Lake Parker, which is 2,550 acres (10.3 km) in size. Much of the culture of Lakeland revolves around its many lakes, and many people use the lakes as reference points in much the same way people in other towns use streets as reference points, such as “I live near Lake Beulah.” In addition to Lake Parker, some of the more prominent lakes in the Lakeland area are Lake Hollingsworth, Lake Morton, Lake Mirror, and Lake Gibson.
Swans are one of the most visible features on the lakes near downtown Lakeland. They have a long history, the first swans appearing around 1923. By 1954, the swans were gone, eradicated by alligators and pets. A Lakeland resident who mourned the passing of the swans wrote to Queen Elizabeth. The royal family allowed the capture of two of the royal swans, and the swans now on the lakes of Lakeland are the descendants of the one surviving royal swan sent by the Queen.
In July 2006, Scott Lake, one of the city’s lakes, was almost totally drained by a cluster of sinkholes. Later the lake partially refilled.
Lakeland, like most other parts of Florida north of Lake Okeechobee, is in the humid subtropical zone (Köppen climate classification: Cfa). Typically, summers are hot and humid with high temperatures seldom dropping below 90 °F and 70 °F for the overnight low. Like most of Central Florida, afternoon thunderstorms are the norm throughout the summer. Winters in Lakeland are drier and warm, with frequent sunny skies. High temperatures range in the mid 70s during the day, with lows in the 50s. Cold snaps drop temperatures below freezing twice a year on average.
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.