Owner Operators Commercial Truck Insurance Near Me Winter Garden, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Winter Garden, 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 Winter Garden, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Winter Garden, 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.
Winter Garden is a city in western Orange County, Florida, United States. Located 14 miles (23 km) west of Downtown Orlando, it is part of the Orlando metropolitan area. The population was 46,964 as of the 2020 census.
The pre-European history of the modern Winter Garden area is ambiguous. Due to a lack of evidence, historians hesitate to conclude if the natives that once occupied the area were of the Timucua, Jororo, or Mayaca tribes. Regardless of their tribal identity, these natives were either wiped out or subsumed into larger cultures by the end of the eighteenth century.
Following the eradication of the original Floridian cultures, natives from farther north migrated into Florida. These natives had various cultures that over time coalesced into the Seminole Tribe. By the early 19th century, some Seminole lived on the south shore of Lake Apopka. The settlement possibly produced the significant Seminole leader Wild Cat. In 1835, the Second Seminole War began, threatening the Seminole presence. On January 23, 1837, a small battle was fought near the village. Thomas S. Jesup, at that time in command of all American forces in Florida, sent a detachment to Lake Apopka to seek a Seminole chief known as Osuchee or “Copper.” During the attack, the army successfully killed Osuchee and three other Seminoles, while taking 17 prisoners. The Second and Third Seminole wars both pushed the Seminole tribe south, likely eliminating their presence in the boundaries of modern Winter Garden.
The first American settlers came to what is now Winter Garden in the 1850s. The Roper, Reams, Dunaway, Speer, and Starke families were among the first to settle the area. As with most American pioneers, they engaged in agriculture as a primary economic activity. These farms mainly grew sugar cane and vegetables, and early on a small number utilized slave labor. During The Civil War steamboat traffic stopped along the St. Johns River, forcing Winter Garden families to subsist off their own crops.
The arrival of the Orange Belt Railroad and the growing production of citrus, turpentine, and lumber drove the town’s growth over the remaining decades of the 19th century and into the 20th. Stores and businesses cropped up along Plant Street, originating Downtown Winter Garden. A settler from Mississippi named A. B. Newton greatly contributed to the town’s growth. He opened one of the first stores, served as the first postmaster, founded the first newspaper, and functioned as the first mayor. These endeavors earned him the title “The Godfather of Winter Garden.”
Between the 1920s and 1960s, the fishing prospects of Lake Apopka drew many fishermen to Winter Garden. The still-operating Edgewater Hotel in Downtown Winter Garden opened to service fishermen during the fishing boom. However, by the end of the 1960s, heavy pollution of Lake Apopka resulted in the collapse of the industry.
Citrus agriculture saw rapid growth in the state of Florida in the last few decades of the 19th century, including in Winter Garden. As with the rest of the state, the Great Freeze of 1894–1895 severely damaged the citrus industry in Winter Garden. Many settlers left town following this disaster, leaving a smaller population to recover the area’s farms. Despite this setback, the industry recovered and saw many decades of growth. Through the middle stretch of the 20th century citrus defined Winter Garden’s economy and culture.
In the 1980s back-to-back freezes greatly reduced the profitability of citrus farming in the county. Citrus production in Winter Garden and Orange County never recovered. Since then, the center of citrus production in Florida has shifted south from Orange County. The increasing development of the Orlando–Kissimmee–Sanford Metropolitan Area made it more profitable to sell grove lands to developers rather than attempt to restart them. Today, little citrus activity occurs in the city limits of Winter Garden. Yet, the town is proud of its citrus history; oranges and grapefruits continue to be symbols of the town.
Since 2000, Winter Garden has seen incredible growth despite the decline of citrus and the economic stagnation in the 1980s and 1990’s. Developers, entrepreneurs, and city government made efforts to rejuvenate the downtown district, attracting locals and tourists with a mix of small town atmosphere and trendy businesses. This population and development growth endured through the Great Recession and continues today.
Winter Garden is located at 28°33′37″N 81°35′3″W / 28.56028°N 81.58417°W (28.560328, –81.584069).
According to the United States Census Bureau, the city has a total area of 15.6 square miles (40.4 km), of which 15.4 square miles (39.9 km) is land and 0.19 square miles (0.5 km) (1.28%) is water.
Winter Garden is bordered on the south by the town of Windermere, on the east by the city of Ocoee, on the west by the town of Oakland and on the north by Lake Apopka.
The terrain is characterized by a gentle to moderately sloping topography. Winter Garden has the highest elevation spot in Orange County. The highest elevation is 222 feet (68 m) in NAVD 88 (North American Vertical Datum) located in the southwest corner of the city South near the county line with Lake County. The lowest elevation in the city is 64 feet (20 m) near Lake Apopka.
Winter Garden has a warm and humid subtropical climate, and there are two major seasons each year. One of those seasons is hot and rainy, lasting from May until October (roughly coinciding with the Atlantic hurricane season). The other is a cooler season (November through March) that brings more moderate temperatures and less frequent rainfall. The area’s warm and humid climate is caused primarily by its low elevation and its position relatively close to the Tropic of Cancer, and much of its weather is affected by the movement of the Gulf Stream.
As of the 2000 United States census, there were 14,351 people, 5,380 households, and 3,663 families residing in the city. The population density was 1,190.2 inhabitants per square mile (459.5/km). There were 5,861 housing units at an average density of 486.1 per square mile (187.7/km). The racial makeup of the city was 76.60% White, 13.25% African American, 0.36% Native American, 0.99% Asian, 0.05% Pacific Islander, 6.45% from other races, and 2.31% from two or more races. Hispanic or Latino of any race were 17.50% of the population.
There were 5,380 households, out of which 33.2% had children under the age of 18 living with them, 48.8% were married couples living together, 14.4% had a female householder with no husband present, and 31.9% were non-families. 25.2% of all households were made up of individuals, and 9.7% had someone living alone who was 65 years of age or older. The average household size was 2.60 and the average family size was 3.11.
In the city the population was spread out, with 25.9% under the age of 18, 9.0% from 18 to 24, 31.3% from 25 to 44, 19.5% from 45 to 64, and 14.2% who were 65 years of age or older. The median age was 37.1 years. For every 100 females, there were 91.9 males. For every 100 females age 18 and over, there were 88.8 males.
The median income for a household in the city was $41,858. About 10.1% of families and 12.0% of the population were below the poverty line, including 19.7% of those under age 18 and 9.4% of those age 65 or over.
The Winter Garden Downtown Historic District contains a collection of restaurants, shops, and cafés, as well as two museums and a performing arts venue.
To the south, Winter Garden Village provides an array of chain retail and dining establishments. The 1,100,000 square feet (100,000 m) open-air shopping center, located along Daniels Road just north of SR 429, is anchored by a Super Target, a Best Buy, and a Lowe’s.
Downtown Winter Garden hosts a farmer’s market every weekend. Many vendors sell fresh produce, plants, and flowers, herbs, baked goods, artisan crafts, and local food and beverages. Live music is also a key feature of the market.
State Road 50 (W. Colonial Dr) bisects the city into northern and southern sections. The portion south of State Road 50, formerly occupied by orange groves and farmland, has recently been the site of the development of numerous large-scale communities, including Johns Lake Pointe, Stoneybrook West, Stonecrest, Westfield, and Wintermere Pointe.
The toll road Western Beltway (SR 429) was completed in late 2006 and links I-4 near mile marker 58 in Osceola County with Florida’s Turnpike at Winter Garden. Other major roads through Winter Garden include County Road 535 and County Road 545. CR 535 (also called Winter Garden – Vineland Road) begins at SR 50 and bisects the southern half of the city, proceeding south to Windermere, Lake Buena Vista and Walt Disney World Resort, where it becomes State Road 535. CR 545 (also called Avalon Road) begins at SR 50 and proceeds south along the western edge of Winter Garden and along the border between Orange and Lake counties. This area remains mostly rural but is quickly developing because of the nearby toll road. CR 545 currently ends at US 192 in Kissimmee at the border to Osceola County.
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.