Owner Operators Truck Insurance Near Me Clermont, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Clermont, 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 Clermont, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Clermont, 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.
Clermont is a city in Lake County in central Florida, United States, about 22 miles (35 km) west of Orlando and 22 miles (35 km) southeast of Leesburg. The population was 43,021 in 2020. The city is residential in character and its economy is centered in retail trade, lodging, and tourism-oriented restaurants and bars. It is part of the Orlando–Kissimmee–Sanford Metropolitan Statistical Area.
Clermont is home to the 1956 Florida Citrus Tower, one of Florida’s early landmarks.
Clermont was founded in 1884 and named for the French birthplace of A.F. Wrotnowski, manager of the Clermont Improvement Company, formed for land development. The city was incorporated in 1916. Much of the county initially was developed as orange and other citrus groves, which was the basis of the economy through the mid-20th century. For instance, Apshawa Groves owned and worked large expanses of land in the county. It later became a major real estate company. Tourism also became increasingly important.
The appearance of the historic downtown district has not changed much since 1962.
The population grew 207% from 2000 to 2010, with commensurate economic growth, attracting big box retail stores. In Spring 2010, the Clermont Landings shopping center opened, featuring 20 shops and restaurants and the city’s first cinema. Increased pollution from runoff and residential development has hurt the city’s lakes and other natural resources.
According to the United States Census Bureau, the city has a total area of 11.5 square miles (30 km), of which 10.5 square miles (27 km) is land and 1.0 square mile (2.6 km) (8.54%) is water.
The Clermont area lies on the northern part of the Lake Wales Ridge. There are rolling hills atypical of the Florida peninsula. Nearby are the Clermont chain of lakes and Lake Apopka.
According to the Köppen climate classification, Clermont has a humid subtropical climate (Cfa).
As of the census of 2010, there were 28,742 people living in the city in 11,216 households. The population density in 2000 was 812/mi (314/km). There were 12,730 housing units. In 2000 the average density of Clermont 380/mi (147/km). The racial makeup of the city was 78.5% White, 11.2% African American, 0.42% Native American, 4.4% Asian, 5.37% from other races, and 3.83% from two or more races. Hispanic or Latino of any race were 22.1% of the population.
21.28% of households had children under the age of 18 living with them, 55.1% were married couples living together, 10.3% had a female householder with no husband present, and 31.5% were non-families. 26.3% of all households were made up of individuals, and 12.5% had someone living alone who was 65 years of age or older. The average household size was 2.29 and the average family size was 2.73.
In the city, the population was distributed with 20.1% under the age of 18, 6.3% from 18 to 24, 24.0% from 25 to 44, 24.7% from 45 to 64, and 24.8% who were 65 years of age or older. The median age was 45 years. For every 100 females, there were 89.9 males. For every 100 females age 18 and over, there were 85.5 males.
The median income for a household in the city was $39,290, and the median income for a family was $48,216. Males had a median income of $36,240 versus $26,571 for females. The per capita income for the city was $21,099. About 6.3% of families and 7.8% of the population were below the poverty line, including 15.0% of those under age 18 and 4.5% of those age 65 or over.
The income per capita is $24,952, which includes all adults and children. The median household income is $45,980.
The median home value in town is $227,510. Home appreciation was –21.40% during 2009. Renters made up 23.21% of the population. 8.33% of houses and apartments were unoccupied (vacancy rate).
Local schools include Minneola Elementary School, South Lake Charter Elementary (also known as Imagine Schools at South Lake), Cypress Ridge Elementary School, Lost Lake Elementary, Clermont Elementary School, Clermont Middle School, Windy Hill Middle School, East Ridge Middle School, Lake Minneola High School, East Ridge High School, South Lake High School, Sawgrass Bay Elementary, Pine Ridge Elementary, Real life Christian Academy, Grassy Lake Elementary and Pinecrest Lakes Academy.
Lake-Sumter State College and the University of Central Florida have a joint-use campus in Clermont.
A salesman wandered into town in 1904 and spoke promises of donating books to start a library if the town helped him sell his Chautauqua lectures to the folks. Many town members with money to spare put forth what they could, excited at the prospective to having a library open. However, when it came time for the lectures only a few of the speakers showed – no salesman or books present. Not all money was handed over; the cost for the last lecture was still available, and with that amount they began to organize their own library. This was hosted in the Montrose Street home of Mrs. Payson Pierce, with the collection of books open to the town on Saturday afternoons. The Clermont Library Club also hosted their meetings at Mrs. Pierce’s house with her permission. The books were moved to Isiah Benson’s Lake Avenue house in 1910 and to the Baptist Church the following year due to the increase in library items but lack of shelving space.
Prior to this, residents paid 50 cents a year for their patronage which helped pay the dues to those that hosted the library. In the summer of 1914, the Friends of the Library fundraised for $600 to erect a one-room building on 630 DeSoto Street, a lot donated by Alice Cooper. The library was funded by the club and its small circulating collection staffed by Clermont Women’s Club volunteers until the city took over in the 1950s and the Cooper Memorial Library Association was formed to administer the public library. In 1980, a former bank building was purchased, and to transfer the books from one location to another, a human chain of town volunteers was made between both locations. The books were passed “hand by hand via a people chain” across the empty lots to their new home. Mike Delaney, a Friends of the Library member, reflected on this event: “It was an amazing honor to be part of the early book brigade when I was seven … it was an experience that I will never forget that brought the community together”. In 1984, the building was expanded by more than 4,000 square feet, adding the Florida Room and Children’s Room. In 1982, the Cooper Memorial Library joined the Lake County Library System, and is the only continuous member of that system. The Cooper Memorial Library in Clermont is staffed by the Lake-Sumter State College and the Lake County Library System.
Downtown Clermont has restaurants, shops, the local Art League, Clermont City Center, and City Hall. The downtown’s western area, known as Historic Village, includes sites such as the Townsend House, home to James and Sallie Townsend, the first African-American couple in Clermont. The building known as “Little Cooper” was moved to the Clermont Historic Village in 2009 and restored to be opened as a museum of local and world history. The Historic Village is maintained by the South Lake County Historical Society and the City of Clermont.
South Lake Hospital is the regional hospital of south Lake County.
The United States Triathlon National Training Center is located in Clermont. Duathlons, Triathlons and cross country races are held at the facility.
Waterfront Park is located along Lake Minneola, The park includes picnic areas, a swimming area, fishing piers and a playground. There are rentals of paddleboards, kayaks and bicycles. A fitness trail that is part of a 30-mile system runs through the park.
The main roads through Clermont consist of State Road 50 and U.S. Route 27.
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.
