Owner Operators Commercial Truck Insurance Near Me Spring Hill, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Spring Hill, 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 Spring Hill, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Spring Hill, 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.
Spring Hill is a census-designated place (CDP) in Hernando County, Florida, United States. The population was 113,568 at the 2020 census, up from 98,621 at the 2010 census. Spring Hill belongs to Florida’s Nature Coast region and is in the Tampa-St. Petersburg-Clearwater metro area. It is east of Hernando Beach, southwest of Brooksville, and north of Tampa.
Spring Hill was formerly a large tract of endangered Longleaf Pine Ecosystem and Sand Pine Scrub with very high biodiversity, and a safe haven for many imperiled species, and most of it remained unchanged until the 1970’s with large scale deforestation. It first appeared on Hernando County maps as early as 1856 along what is today Fort Dade Avenue just north of the community of Wiscon. The modern Spring Hill was founded in 1967 as a planned community, which was developed by the Deltona Corporation and the Mackle Brothers. The developers originally wanted to call the community Spring Lake and used that as the working name through the development process. They were forced to use a different name due to the name Spring Lake already being in use locally and chose Spring Hill. The plans for the community are identical to the community of Deltona. The Mackle Brothers sold many of the properties and land in the area through intense advertising. It has since become a sprawling semi-city in its own right, though it is an unincorporated area. The main entrance to the original development is marked by the Spring Hill waterfall on Spring Hill Drive and U.S. Route 19 (Commercial Way).
Spring Hill’s proximity to Tampa, 40 miles (64 km) to the south, and the completion of the Suncoast Parkway in 2001 have made the community easily accessible to the Tampa-St. Petersburg area.
Spring Hill is located in southwestern Hernando County at 28°28′44″N 82°32′52″W / 28.47889°N 82.54778°W (28.478929, & 82.547732). It is bordered to the west by Timber Pines; to the north by Weeki Wachee, North Weeki Wachee, High Point, Brookridge, and Wiscon; and to the east by South Brooksville, Garden Grove, and Masaryktown. To the south it is bordered by Shady Hills and Heritage Pines in Pasco County.
According to the United States Census Bureau, Spring Hill has a total area of 62.2 square miles (161.2 km), of which 59.8 square miles (154.9 km) are land and 2.4 square miles (6.3 km), or 3.94%, are water.
The U.S. Postal Service recommends that “Spring Hill” be used as the mailing address for ZIP Code 34610 in neighboring Pasco County. The Spring Hill CDP does not extend into Pasco County; instead, this mailing area is partially covered by the Shady Hills and Quail Ridge CDPs.
At the 2010 census, there were 98,621 people, 39,078 households and 27,798 families residing in the CDP. The population density was 1,649 inhabitants per square mile (637/km). There were 44,435 housing units, of which 5,357, or 12.1%, were vacant. The racial makeup of the CDP was 88.1% White, 5.1% African American, 0.4% Native American, 1.4% Asian, 0.04% Native Hawaiian or Pacific Islander, 2.5% some other race, and 2.5% from two or more races. Hispanic or Latino of any race were 13.6% of the population.
Of the 39,078 households, 29.8% had children under the age of 18 living with them, 53.6% were headed by married couples living together, 12.9% had a female householder with no husband present, and 28.9% were non-families. 23.1% of all households were made up of individuals, and 12.3% were someone living alone who was 65 years of age or older. The average household size was 2.49, and the average family size was 2.91.
In the CDP, 21.6% of the population were under the age of 18, 7.2% were from 18 to 24, 21.9% were from 25 to 44, 27.1% were from 45 to 64, and 22.2% were 65 years of age or older. The median age was 44.3 years. For every 100 females there were 90.4 males. For every 100 females age 18 and over, there were 87.7 males.
For the period 2013-17, the estimated median annual household income in the CDP was $45,468, and the median family income was $53,017. Male full-time workers had a median income of $39,478 versus $35,059 for females. The per capita income for the CDP was $22,349. About 10.7% of families and 14.9% of the total population were below the poverty line, including 22.6% of those under age 18 and 9.6% of those age 65 or over.
For the period 2013-17, English spoken as a first language accounted for 85.7% of the population, while 14.3% spoke other languages as their mother tongue. The most significant were Spanish speakers who made up 10.0% of the population.
Spring Hill has many schools, both public and private, which provide primary and secondary education to local children. There are also several options for higher education that are easily accessible from the Spring Hill area.
Public schools in Spring Hill are part of the Hernando County School Board school system, which oversees all public schools in Hernando County. The main public schools that serve the Spring Hill area are:
High schools
Middle schools
K-8 schools
Elementary schools
In addition to the public schools in Spring Hill, there are several private schools:
Spring Hill is home to the 100,000-square-foot (9,300 m) Spring Hill Campus of Pasco–Hernando State College. This was the fourth campus built out of the five now in existence.
The Hernando County Library System operates several libraries in and around the Spring Hill area, such as the West Hernando Branch Library and the Spring Hill Branch Library, which serves as a replacement of the Little Red Schoolhouse Branch Library. The historic Little Red Schoolhouse Branch Library has since been converted into a bookstore, run by the Friends of the Library, whose proceeds benefit the library system.
There are three accredited hospitals in the area, Bayfront Health Spring Hill Hospital, Oak Hill Hospital and the newest, Bayfront Health Brooksville Hospital. With a large senior citizen population, Spring Hill contains many nursing homes and rehabilitation facilities including Spring Hill Health and Rehab, Evergreen Woods Assisted Living Facility and Health South Rehab (an affiliate of Oak Hill Hospital). Bayfront Health Spring Hill and Oak Hill Hospital offer obstetrical services.
Nearby Weeki Wachee Springs is home to the famous live mermaid show and Florida’s only spring-fed water park, Buccaneer Bay.
There are two print newspapers that serve the area: the Hernando Times (a publication of Tampa Bay Times), and the Hernando Sun.
Spring Hill belongs in the Tampa Bay Area media market, the 12th largest designated market area in the United States.
Public transit in Spring Hill is provided by Hernando County Transit (The Bus), which consists of four routes which serve Spring Hill and Brooksville, and which also provides a connection to the Pasco County Bus System (PCPT) via the Purple Route’s terminus in Hudson. The Bus system operates six days a week since expanding to include Saturday service in October 2019.
The four current routes are:
Additionally, paratransit services are available via Trans-Hernando, which offers door-to-door services by advance reservation for the elderly, mentally challenged, and economic/transportation disadvantaged residents of Hernando County.
There are several county roads in Spring Hill that serve as major thoroughfares for traffic traveling around and passing through Spring Hill. Below is a list of the county roads that pertain to Spring Hill:
Spring Hill is bordered to the west by US 19 (named Commercial Way), and to the north by SR 50 (named Cortez Boulevard). The Suncoast Parkway (SR 589) is a toll road that passes through Spring Hill and serves as a connection to Pasco and Hillsborough counties (and, by extension, Tampa) to the south.
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.
