Owner Operators Commercial Truck Insurance Near Me Pine Hills, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Pine Hills, 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 Pine Hills, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Pine Hills, 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.
Pine Hills is a census-designated place (CDP) and unincorporated subdivision in Orange County, Florida, United States, west of Orlando. Per the 2020 U.S. Census, the population was 66,111. It is a part of the Orlando–Kissimmee–Sanford, Florida Metropolitan Statistical Area (home to 2,134,311 people in 2010).
Pine Hills is home to several parks, five elementary schools, two middle schools, and one high school. As a part of the Florida Coast To Coast Bicycle Trail, the Pine Hills Trail is also being developed running from Barnett Park through the middle of the community to Clarcona-Ocoee Road. As a result of residential demographic shifts, the area has been described as a minority majority community. In response to years of neglect and blight, several revitalization efforts are currently underway in the community bringing results.
The area that would become Pine Hills began in 1953 with the first subdivisions – Robinswood and Pine Ridge Estates – constructed along the newly completed Pine Hills Road north of Colonial Drive (SR 50). It was one of the first suburbs of Orlando and grew as a bedroom community for the workers of Martin Marietta (now Lockheed Martin). At the time, it was an upper-middle class suburb with a country club named “Silver Pines”.
During the 1960s and into the 1970s, Pine Hills grew north from the original subdivisions around Pine Hills Rd and Colonial Drive to include new neighborhoods off of Silver Star Rd in the north around Powers Dr and to the east around Pine Hills and Indian Hill Roads. The community built its own fire department, a post office branch, and several schools. In the 1970s, the Orange County government seized Pine Hills’ fire engine in an effort to consolidate county-wide fire services. Nevertheless, Pine Hills continued to grow and community leaders began an initiative to incorporate Pine Hills into a city. However, this initiative was eventually abandoned. Several Orange County Commissioners and Florida State House of Representatives and Senators have lived and worked in Pine Hills. During the 1980s, the City of Orlando began annexing sections of Pine Hills. Some areas annexed during this time include North Lane east of Pine Hills Road, Clarion Drive south of Clarcona-Ocoee Road, and areas of the Signal Hill subdivision. Residents rejected further annexation, fearing larger taxes and little representation from Orlando. Eventually, as Orlando’s growth surrounded Pine Hills, many of the original families moved into newer neighborhoods in nearby Ocoee, Winter Garden and MetroWest.
Into the late 1980s and during the 1990s, Pine Hills fell into a state of decline. Silver Pines Country Club was closed, and apartment complexes were built on the property in the mid-1990s. The “Pine Hills Shopping Center” lost its long-time tenants and was eventually converted in the late 1990s into “Pine Hills Marketplace”, a strip mall with discount stores. As newer neighborhoods developed offering more housing options, rental rates dropped and housing became more affordable for residents. Paired with the long-term effects of post-desegregation white flight, neglect from the Orange County government, particularly from the Orange County Board of Commissioners, has resulted in higher crime, and the perpetuation of the “‘Crime Hills’ narrative'” that the area is a less safe, or desirable place to live. As of 2013, Pine Hills’ perception as a high-crime area has begun to shift in a positive direction, by virtue of community-wide initiatives and efforts led by residents. Many schools and churches offer after-school programs and to some extent, free daycare. The Orlando Police Department has collaborated with the Orange County Sheriff’s Office to prevent crime by increasing patrols through the neighborhoods. The government of Orange County is also increasing code enforcement and issuing citations to property owners who neglect to maintain their home’s appearance.
Recent developments in Pine Hills included the reconstruction of Maynard Evans High School’s main campus on Silver Star Road; completed in 2012. Reconstruction with the latest technology was also completed at Meadowbrook Middle, Robinswood Middle, Pine Hills, Rolling Hills, and Mollie E. Ray Elementary Schools. Additional development includes Orlando’s newest “Chinatown”, located along west Colonial Drive across from the Pine Hills Marketplace. West Colonial Drive, one of the main highways in Pine Hills, was redesigned and construction completed in 2011, bringing better traffic management and improved landscaping to Pine Hills. Other traffic improvement initiatives in Pine Hills included repaving and redesigning the intersection of Pine Hills and Silver Star Roads. Future initiatives include the expansion of Pine Hills Road south to LB Mcleod Road. Lynx, the local transportation agency, is constructing a SuperStop transit connection for multiple bus routes to provide easy access for workers.
The most recent effort to revitalize Pine Hills began with the creation of the “Pine Hills Safe Neighborhood Partnership”. It is a group of neighborhood residents who collaborate with the Orange County Government and local law enforcement agencies in an effort to keep the area safe. The group is a 501c3 non-profit organization and has received grant funding from private and public resources. The grants fund a variety of projects designed to deter crime and enhance resident safety. Some initiatives include hiring off-duty law enforcement officers to make extra patrols, offering summer youth programs to keep youth engaged, and helping neighborhoods make infrastructure improvements to traffic patterns, community lighting, and more. Regular community meetings are held at the Pine Hills Community Center.
In 2004, the Pine Hills Community Council, Inc. commissioned the Pine Hills Land Analysis and Strategic Plan, which outlined a vision for revitalization and economic growth supported by residents. Since this study was released, the neighborhood has continued to focus on revitalization initiatives by holding community forums, establishing partnerships with private developers and public agencies. It also engages property owners and renters in protecting the area’s quality of life. As a result of the community partnerships and focus on crime prevention, the sheriff’s office has reported downward crime trends in this area. Additionally, in October 2009, Mayor Richard Crotty established the Pine Hills Business Redevelopment Task Force. This 13-member advisory committee was created to assist with the economic revitalization of the area.
Pine Hills is one of the most ethnically diverse regions of the Greater Orlando metropolitan area and is a minority majority community. The populations of African-Americans and Hispanics are reported to be significantly above the state of Florida’s average. The foreign-born population is also above the state average. There are large Caribbean populations of Haitians, Jamaicans, and Puerto Ricans. There is also a large Asian population of Vietnamese, Koreans, and Cambodians. This diversity is evident along Pine Hills Road where many immigration offices, Caribbean and Asian restaurants, and West Indian grocery stores abound.
Several flourishing neighborhoods exist where the median family income exceeds the area average. Subdivisions close to Pine Hills with expensive single-family homes are found in the nearby Rosemont neighborhood, which was the first planned development created within the City of Orlando. Expensive homes are also located off Balboa Drive near Good Homes Road in the Rose Hill subdivision and along north Powers Drive. A near-replica of Elvis Presley’s Graceland Mansion, constructed in 1981, is located off North Hiawassee Road in the Hyland Oaks subdivision.
In 2010, Evans High School became the first UCF-Certified Community Partnership School in the state of Florida, established through a collaboration between the Children’s Home Society of Florida, Orange County Public Schools, and the University of Central Florida. Since Evans became a Community Partnership School, student test scores and other metrics have significantly increased, Ellis says. Especially notable: Evans’ graduation rate has improved from 64 percent in the 2010–2011 school year (when CPS efforts began) to 87 percent in the 2016–2017 school year. Prior to becoming a Community Partnership School, Evans was labeled a “dropout factory” by Johns Hopkins University.
Pine Hills is located at 28°34′30″N 81°27′26″W / 28.57500°N 81.45722°W (28.574876, -81.457267).
According to the United States Census Bureau, the CDP has a total area of 12.7 square miles (33.0 km), of which 12.2 square miles (31.7 km) is land and 0.50 square miles (1.3 km) (3.87%) is water.
As of 2018, there were 24,199 households, out of which 4% were vacant. As of 2000, 38.3% had children under the age of 18 living with them, 41% were married couples living together, 28.7% had a female householder with no husband present, and 27.5% were non-families. 21.2% of all households were made up of individuals, and 6.9% had someone living alone who was 65 years of age or older. The average household size was 3.11 and the average family size was 3.53.
In 2018, the CDP population was spread out, with 51% under the age of 18, 10.2% from 18 to 24, 30.6% from 25 to 44, 18.4% from 45 to 64, and 7.9% who were 65 years of age or older. The median age was 30 years. For every 100 females, there were 92.9 males. For every 100 females age 18 and over, there were 88.2 males.
In 2018, the median income for a household in the CDP was $37,158 and the median income for a family was $41,063. Males had a median income of $29,676 versus $27,435 for females. The per capita income for the CDP was $16,137. About 12.5% of families and 14.9% of the population were below the poverty line, including 25.4% of those under age 18 and 14.8% of those age 65 or over.
As of 2000, English spoken as a first language accounted for 66.00% of all residents, while 26.99% spoke other languages as their mother tongue. The most significant were Spanish speakers who made up 12.45% of the population, while Haitian Creole came up as the third most spoken language, which made up 10.76%, French was at fourth, at 1.76%, and Vietnamese was spoken by 1.44% of the population.
The primary industry in Pine Hills is retail. Major companies with a presence in Pine Hills are Walmart Neighborhood Market, The Home Depot, Lowe’s, Sam’s Club, Darden Restaurants, CVS/pharmacy, Walgreens, O’Reilly Auto Parts and Winn-Dixie. West Colonial Drive is also known as “car row” with many car dealerships lining the street. The Central Florida Fairgrounds offers a fruit and vegetable market every Saturday as well as concerts and other events. The community’s football teams play at its site. The Orange County Environmental Division is located in the area.
With its proximity to Interstate 4 and Highway 408, there are many small industrial businesses in this section of town. The industrial sector located along east Silver Star Road in Orlando’s city limits includes a Frito-Lay and Coca-Cola manufacturing and distribution facilities. This sector of Orange County has some of the highest-rated warehouse properties. Many marble and flooring companies are located in this part of the county.
Due to its central location, Pine Hills is close to Orlando’s business and tourism centers. Many residents commute to downtown Orlando, less than 5 miles (8.0 km) east, to the northern suburb of Maitland, or to the International Drive, Universal Orlando Resort, and Walt Disney World Resort tourist districts. There is good public transportation through the local transit authority, Lynx. Also, the Greyhound bus station is conveniently close.
There are several private schools in Pine Hills offering Pre K-Grade 12 curriculum.
Public parks in Pine Hills are managed by Orange County Parks and Recreation. Admission is free to all parks. There are four parks in Pine Hills:
Lynx is the public bus transportation system serving Greater Orlando; it has many stops throughout Pine Hills.
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Into the late 1990s and early 2000s, Pine Hills’ worsening economic decline resulted in the increasingly negative public perception of the area in local media, and public discourse.
In recent years, this pattern of unfavorable media coverage of Pine Hills has resulted in heated disagreements over the causes and nature of the current state of the area often play out publicly on online forums, exacerbated by the generational divide of residents that lived in Pine Hills during its most economically prosperous time, and more recent generations of residents. In most cases, former residents, and their descendants, react to unfavorable coverage with backlash, echoing negative stereotypes and discrediting successes of community-led efforts to address poverty-related crimes, and general insecurity. This phenomenon has since been coined, “The Crime Hills narrative” by Pine Hills Partnership Inc., a local 501(c)3 watchdog organization, active in the Pine Hills area.
In October 2020, local news reports indicated the area suffered a six-month gang war that had killed five people, including a three-year-old child. Although, the same period in question saw a significant spike in violent crimes, and notable shootings, across Orange County, and Greater Orlando.
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.