Owner Operators Commercial Truck Insurance Near Me Saint Cloud, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Saint Cloud, 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 Saint Cloud, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Saint Cloud, 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.
St. Cloud or Saint Cloud is a city in northern Osceola County, Florida, United States. It is on the southern shore of East Lake Tohopekaliga in Central Florida, about 26 miles (41.8 km) southeast of Orlando. The population was 35,183 in the 2010 census, and 54,579 in the 2019 census estimate. The city is part of the Orlando–Kissimmee–Sanford metropolitan area.
St. Cloud was founded as a retirement community for Civil War union veterans, and gained the nickname “The Friendly Soldier City”.
During the 1870s, Hamilton Disston of Philadelphia took an interest in developing the region while on fishing trips with Henry Shelton Sanford, founder of the city of Sanford. Disston contracted with the Florida Internal Improvement Fund, then in receivership, to pay $1 million to offset its Civil War and Reconstruction debt. In exchange, Disston was awarded half the land he drained from the state’s swamps. He dug canals and, in 1886–1887, established St. Cloud sugarcane plantation, named after St. Cloud, Minnesota, although many longtime locals claim the town was named after Saint-Cloud, France.
Disston opened the Sugar Belt Railway to the South Florida Railroad in 1888 to carry his product to market. But the Panic of 1893 dropped land values, and the Great Freeze of 1894–1895 ruined the plantation. Disston returned to Philadelphia, where he died in 1896. The Sugar Belt Railway merged into the South Florida Railroad. An attempt to cultivate rice in the area failed, and for several years the land remained fallow. Then in 1909, the Seminole Land & Investment Company acquired 35,000 acres (14,000 ha) as the site for a Grand Army of the Republic veterans’ colony. St. Cloud was selected because of its “health, climate and productiveness of soil.” It was first permanently settled in 1909 by William G. King, a real estate manager from Alachua County who had been given the responsibility “to plan, locate and develop a town.”
On April 16, 1909, the Kissimmee Valley Gazette announced the “New Town of St. Cloud”, a “Soldiers Colony” near Kissimmee. The newspaper called the Seminole Land and Investment Company’s purchase “one of the most important real estate deals ever made in the State of Florida.” It was reported that the company had searched all over Florida for the perfect site for a veterans’ colony, particularly one suited for “health, climate, and productiveness of the soil”. It is believed that many of the streets were named for states from which the Civil War veterans had served, but the street names were already assigned to the platted land before settlement occurred.
Early St. Cloud is believed to have history as a Sundown Town with a plot of land outside the city reserved for black residents officially dubbed “Colored Quarter.” This name is still active on official land records as the title of this section of land. Early newspaper records support the history of being a “Sundown Town” with firsthand accounts of local residents making attempts “to keep the colored folks in their own quarters outside the town.”
On June 1, 1915, the Florida Legislature incorporated St. Cloud as a city. Its downtown features landmark buildings by the Orlando architectural firm Ryan & Roberts, a partnership consisting of two women. The buildings by Ryan and Roberts and others downtown are predominantly Spanish Revival.
St. Cloud has tried to separate itself from neighboring cities, and particularly the theme parks, by promoting an image of small-town life, and by attempting to make itself economically less dependent on Kissimmee. On March 6, 2006, St. Cloud introduced the CyberSpot program, becoming the first city in the United States to give residents free high-speed wireless Internet access, but the program ended in 2009.
According to the United States Census Bureau, the city has a total area of 9.2 square miles (24 km), of which 0.11% is water. St. Cloud is on the southern shore of East Lake Tohopekaliga, an exceptionally clear lake, with good visibility to depths of 7 to 9 feet (2.1 to 2.7 m). East Lake is nearly circular in shape and covers approximately 12,000 acres (49 km).
The major highway is U.S. Route 192 running in tandem with U.S. Route 441 east and west. This six-lane road is intersected by avenues running north and south. Many have names of US states in no particular order.
As of the census of 2000, there were 20,074 people, 6,716 households, and 5,424 families residing in the city. The population density was 2,190.8 inhabitants per square mile (845.9/km). There were 8,602 housing units at an average density of 938.8 per square mile (362.5/km). The racial makeup of the city was 90.27% White, 2.07% African American, 0.47% Native American, 0.95% Asian, 0.07% Pacific Islander, 4.10% from other races, and 2.06% from two or more races. Hispanic or Latino of any race were 13.36% of the population.
There were 7,716 households, out of which 34.0% had children under the age of 18 living with them, 52.8% were married couples living together, 12.8% had a female householder with no husband present, and 29.7% were non-families. 23.7% of all households were made up of individuals, and 11.9% had someone living alone who was 65 years of age or older. The average household size was 2.55 and the average family size was 3.00.
In the city, the population was spread out, with 25.5% under the age of 18, 7.7% from 18 to 24, 29.7% from 25 to 44, 19.7% from 45 to 64, and 17.4% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 90.8 males. For every 100 females age 18 and over, there were 85.4 males.
The median income for a household in the city was $36,467, and the median income for a family was $41,211. Males had a median income of $30,955 versus $22,414 for females. The per capita income for the city was $17,031. About 6.2% of families and 8.1% of the population were below the poverty line, including 8.7% of those under age 18 and 8.3% of those age 65 or over.
As of 2010 the population of St. Cloud was 35,183. The racial and ethnic composition of the population was 62.1% non-Hispanic white, 7.2% at least partly African American, 1.0% at least partly Native American, 2.5% at least partly Asian, 0.3% at least partly Pacific Islander, 0.4% non-Hispanic reporting some other race and 29.2% Hispanic or Latino. Puerto Ricans by themselves made up 18.7% of the population and were by far the largest Hispanic group.
The median age of St. Cloud’s population was 36.8 years. 7.8% of the population was 65 or older. There were 12,565 households with 9,145 of them constituting families.
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The Veteran’s Memorial St. Cloud Library is home to the city of St. Cloud. The branch library is in a remodeled Suntrust bank five blocks away from historic downtown St. Cloud. Its hours are Monday-Saturday from 9am to 6pm. The branch offers many programs, such as LIVE storytimes, virtual bookclubs and over 50,000 volumes.
The first form of a library in St. Cloud was in 1910 when the new woman’s club set up a traveling library and a table at the train station with reading materials for locals. By 1911, there was a reading room that was purchased on Pennsylvania Avenue that the ladies of the town worked to make comfortable and stocked with things to read. Within the next couple of years the collection had outgrown the reading room and moved to the People’s Bank and then City Hall. In 1915, the town began fundraising to build a proper building. These efforts were put on hold temporarily while war efforts were made a priority. When 1922 rolled around, it was decided that there was enough money to pay an architect to begin planning and building. The contract price was for $4,506.20. The building was extremely well-built and designed with many updated features, including electricity. On February 17, 1923, the new library was dedicated and named “Veteran’s Memorial Library” which remains today.
From 1923–1968 Veteran’s Memorial Library was operated and taken care of by the Woman’s Club of St. Cloud. It was in 1968 that it officially became part of the Osceola County Library System. The location of the library collection moved in 1972–1974 into a former bank on the corner of New York Avenue and 10th Street. At this point, the original building because a thrift store to benefit the Red Cross and other groups. In 2001 the building was purchased by The City of St. Cloud and with the help of other organizations was planned to become a museum. The grand opening of The St. Cloud Heritage Museum (pictured below) was held on February 17, 2005.
While the St. Cloud Heritage Museum still proudly boasts the name “Veteran’s Memorial Library”, the branch location was moved to a former SunTrust bank building on 13th Street and Indiana Avenue in 1995 where it still operates today as part of the Osceola County Library System.
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.
