Owner Operators Truck Insurance Near Me Fort Myers, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Fort Myers, 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 Fort Myers, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Fort Myers, 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.
Fort Myers (or Ft. Myers) is a city in and the county seat and commercial center of Lee County, Florida, United States. The Census Bureau’s Population Estimates Program calculated that the city’s population was 92,245 in 2021, ranking the city the 370th-most-populous in the country. Together with the larger and more residential city of Cape Coral, the smaller cities of Fort Myers Beach, Sanibel, and Bonita Springs, the village of Estero, and the unincorporated districts of Lehigh Acres and North Fort Myers, it anchors a metropolitan statistical area (MSA) which comprises Lee County and has a population of 787,976 as of 2021.
Fort Myers is a gateway to the Southwest Florida region and a major tourist destination within Florida. The winter estates of Thomas Edison (“Seminole Lodge”) and Henry Ford (“The Mangoes”) are major attractions. The city takes its name from a local former fort that was built during the Seminole Wars. The fort in turn took its name from Colonel Abraham Myers in 1850; Myers served in the United States Army, mostly the Quartermaster Department, in various posts from 1833 to 1861 and was the quartermaster general of the Confederate States Army from 1861 to 1864.
According to some historians, the Calusa capital was located near Fort Myers. Following European contact, Spain had colonial influence in Florida, succeeded by Great Britain and lastly the United States.
During the Second Seminole War, between 1835 and 1842, the U.S. Army operated Fort Dulaney at Punta Rassa, at the mouth of the Caloosahatchee River. When a hurricane destroyed Fort Dulaney in October 1841, army operations were moved up the Caloosahatchee River to a site named Fort Harvie. Fort Harvie was abandoned in 1842, as the Second Seminole War wound down. After a white trader was killed by Seminoles on the Peace River in 1849, the Army returned to the Caloosahatchee River in 1850. Major David E. Twiggs, then stationed at Fort Brooke (present day-Tampa), gave orders for two companies of artillery to “select a suitable place for the establishment of a post and immediately throw up such light works as may secure stores, and remove from the Indians any temptation to which isolated position may give rise.” The new Fort Myers was built on the burned ruins of Fort Harvie.
The fort was named for Brevet Colonel Abraham Charles Myers, quartermaster for the Army’s Department of Florida and future son-in-law of Major Twiggs. It covered about 139 acres (56 ha), and soon had 57 buildings, including a two-story blockhouse that was pictured in Frank Leslie’s Illustrated Newspaper, and a 1,000-foot-long (300 m) wharf at which ships could dock. Irvin Solomon notes that Fort Myers was described “as ‘one of the finest and largest’ forts of the Seminole Wars”. It was abandoned in 1858, at the end of the Third Seminole War.
During the American Civil War, Confederate blockade runners and cattle ranchers were based in Fort Myers. These settlers prospered through trading with the Seminole and Union soldiers.
The United States Army set up a camp on Useppa Island, near the entrance to Charlotte Harbor, in December 1863. It was intended as a place from which to recruit Union sympathizers and Confederate deserters and conscription-evaders and to raid into the interior and interfere with Confederate efforts to round up cattle for supply to the Confederate Army. After some probes along the Peace and Myakka rivers, which had mixed results, operations were moved to the mainland. Troops from the 47th Pennsylvania Infantry Regiment and the 2nd Regiment of Florida Rangers (later reorganized as the 2nd Florida Cavalry Regiment) left Key West for Fort Myers early in January 1864. The Union soldiers reached Fort Myers quickly enough to capture three Confederate sympathizers before they could act on orders to burn the fort to keep it out of Union hands. Beyond the principal cause for occupying the fort of providing support for Union sympathizers and local residents disaffected with Confederate taxation and conscription, the fort provided access to the large cattle herds in southern Florida, support for the blockade of the southwest Florida coast being conducted by the U.S. Navy, and a haven for any escaped slaves in the area.
In April 1864, after the troops from the 47th Pennsylvania Infantry Regiment had been transferred to Louisiana, Companies D and I of the 2nd United States Colored Infantry Regiment were transferred from Key West to Fort Myers, and remained at the fort until it was abandoned. Company G of the regiment had also been sent to Fort Myers by early May. Solomon argues that Brevet Brigadier General Daniel Phineas Woodbury, commandant of the District of Key West and the Tortugas, intended that action to be an irritant to the Confederacy. The presence of the black soldiers, who made up the majority of troops used in raids into Confederate territory, played on Confederate fears of armed blacks. It was reported that Woodbury took pleasure in placing a “prickly pear cactus under the Confederate saddle”.
By the spring of 1864, Fort Myers was protected by a 500-foot-long (150 m) breastwork, 7 feet (2.1 m) high and 15 feet (4.6 m) wide, extending in an arc around the land side of the fort. The Seminole War-era blockhouse had been repaired and another two-story blockhouse built. The fort was soon harboring more than 400 civilians and Confederate army deserters. Many of the white men enlisted in the 2nd Florida Union Cavalry. Although designated as cavalry, the members of the regiment stationed at Fort Myers were never mounted. Escaped slaves that came to the fort were recruited into the 2nd United States Colored Infantry Regiment.
The Union achieved control of the full length of the Mississippi River after the fall of Vicksburg in July 1863. The Confederate Army then became dependent on Florida for most of its supply of beef. By the end of 1863 between 1,000 and 2,000 head of cattle were being shipped to the Confederate Army from Florida every week.
As 1864 progressed, Union troops and sympathizers began driving cattle to Punta Rassa to supply Union ships on blockade duty and Union-held Key West, reducing the supply of cattle available to Confederate forces. The increased shipping from Punta Rassa led the Union Army to built a barracks and a wharf there. By one Confederate estimate, the Union shipped 4,500 head of cattle from Punta Rassa.
The Battle of Fort Myers was fought on February 20, 1865, in Lee County, Florida, during the last months of the American Civil War. This small engagement is known as the “southernmost land battle of the Civil War.” However, see Battle of Palmito Ranch.
The Fort Myers community was founded after the American Civil War by Captain Manuel A. Gonzalez on February 21, 1866. Captain Gonzalez was familiar with the area as a result of his years of service delivering mail and supplies to the Union Army at the fort during the Seminole Indian Wars and Civil War. When the U.S. government abandoned the fort following the Civil War, Gonzalez sailed from Key West to found the community. Three weeks later, Joseph Vivas and his wife, Christianna Stirrup Vivas, arrived with Gonzalez’s wife, Evalina, and daughter Mary.
Gonzalez settled his family near the abandoned Fort Myers, where he began the area’s first trading post. He traded tobacco, beads, and gunpowder, and sold otter, bobcat, and gator hide to the neighboring Seminole. A small community began to form around the trading post.
In the late 19th century, northerners began to travel to Florida in the winter. Some saw development opportunities. In 1881, the wealthy industrialist Hamilton Disston of Philadelphia, Pennsylvania, came to the Caloosahatchee Valley. He planned to dredge and drain the Everglades for development. Diston connected Lake Okeechobee with the Caloosahatchee River; this allowed steamboats to run from the Gulf of Mexico to Lake Okeechobee and up the Kissimmee River.
On August 12, 1885, the small town of Fort Myers—all 349 residents—was incorporated. At that time, it was the second-largest town on Florida’s Gulf Coast south of Cedar Key.
In 1885, inventor Thomas Alva Edison was cruising Florida’s west coast and stopped to visit Fort Myers. He soon bought 13 acres along the Caloosahatchee River in town. There he built his home “Seminole Lodge”, as a winter retreat. It included a laboratory for his continuing work. After the lodge was completed in 1886, Edison and his wife, Mina, spent many winters in Fort Myers. Edison also enjoyed local recreational fishing, for which Fort Myers had gained a national reputation.
Despite an initial offer by Edison to light the town, on New Year’s Day in 1898 Fort Myers was first electrified by the Seminole Canning Company, a local company that canned and preserved fruit.
In 1898, the Royal Palm Hotel was constructed. This luxury hotel attracted tourists and established Fort Myers nationally as a winter resort destination.
On May 10, 1904, access to the Fort Myers area was greatly improved with the opening of the Atlantic Coast Line Railroad, connecting Punta Gorda to Fort Myers. This route provided Lee County both passenger and freight railroad service. The arrival of the railroad, however, also led to greater segregation in Fort Myers. With the railroad came the need for more unskilled labor and the arrival of a more uneducated workforce, compared to many African Americans who had already resided in town, some of whom had been tradespersons, vendors, and landowners. These more middle-class black citizens, as well as the new African-American laborers, were increasingly pressured to move to the segregated area that would become known as Safety Hill. This area of town, as can be seen by contemporary photographs, had a lower quality of houses and street surfaces. The area, now known as Dunbar, is still highly segregated from the rest of Fort Myers.
In 1907, the Seminole tribes’ Federal Agency headquarters was relocated to Fort Myers. It remained there until 1913.
In 1908, the Arcade Theater was constructed in Downtown Fort Myers. Originally a vaudeville house, Edison viewed films here for the first time with friends Henry Ford and Harvey Firestone. With the growth of the film industry, the Arcade Theatre was converted into a full movie house. A wall divided the stage in order to form two screening rooms. Changes in moviegoing habits since the late 20th century have led to the renovation of the theater for use again in live performance. It is now host to the Florida Repertory Theatre, a performing arts hall.
During World War I, Edison became concerned about America’s reliance on foreign supplies of rubber. He partnered with tire producer Harvey Firestone (of the Firestone Tire and Rubber Company) and Henry Ford (of the Ford Motor Company) to try to find a rubber tree or plant that could grow quickly in the United States. He sought one that would contain enough latex to support his research endeavor. In 1927, the three men contributed $25,000 each, and created the Edison Botanic Research Corporation in an attempt to find a solution to this problem. In 1928, the Edison Botanic Research Corporation laboratory was constructed. It was in Fort Myers that Edison conducted the majority of his research and planted exotic plants and trees. He sent results and sample rubber residues to West Orange, New Jersey, for further work at his large Thomas A. Edison “Invention Factory” (now preserved in the Thomas Edison National Historical Park). Through Edison’s efforts, the royal palms lining Riverside Avenue (now McGregor Boulevard) were imported and planted. They inspired Fort Myers’ nickname as “City of Palms”.
After testing around 17,000 plant samples, Edison eventually discovered a source in the goldenrod plant (Solidago leavenworthii). The rubber project was transferred to the United States Department of Agriculture five years later.
In 1916, automobile magnate Ford purchased the home next to Edison’s from Robert Smith of New York. Ford named his estate “the Mangoes”. Ford’s craftsman-style “bungalow” was built in 1911 by Smith. Ford, Firestone, and Edison were leaders in American industry and part of an exclusive group titled “the Millionaires’ Club”. The three men have been memorialized in statues in downtown Fort Myers’ Centennial Park.
In 1924, with the beginning of construction of the Edison Bridge, named for Edison, the city’s population steadily grew. The bridge was opened on February 11, 1931, the 84th birthday of its namesake. Edison dedicated the bridge, and was the first to drive across it.
In the decade following the bridge’s construction, the city had a real estate boom. Several new residential subdivisions were built beyond downtown, including Dean Park, Edison Park, and Seminole Park. Edison Park, located across McGregor Boulevard from the Edison and Ford properties, includes a number of Fort Myers’ most stately homes. The population of Fort Myers City had been 575 citizens in 1890. By 1930, it had climbed to 9,082.
In 1947, Mina Edison deeded Seminole Lodge to the city of Fort Myers, in memory of her late husband and for the enjoyment of the public. By 1988, the adjacent Henry Ford winter estate was purchased by the city and opened for public tours in 1990. The combined properties today are known as the Edison and Ford Winter Estates.
Fort Myers suffered catastrophic damage from Hurricane Ian on September 28, 2022.
According to the United States Census Bureau, the city has a total area of 40.4 square miles (105 km), of which 31.8 square miles (82 km) is land and 8.6 square miles (22 km) (21.25%) is water.
Fort Myers has a tropical monsoon climate (Am).
The temperature rarely rises to 100 °F (38 °C) or lowers to the freezing mark. Rainfall averages just over 57 inches per year, strongly concentrated during the rainy season (June to September) with its frequent showers and thunderstorms; on average, these four months deliver 67 percent of annual rainfall. From October to May, average monthly rainfall is less than 3.5 inches. In years with drier than average conditions from winter into mid-spring, drought can develop, and brush fires can be a significant threat. Reflecting the June to September wet season, Fort Myers has 89 days annually in which a thunderstorm is close enough for thunder to be heard, the most in the nation.
The monthly daily average temperature ranges from 64.7 °F (18.2 °C) in January to 83.4 °F (28.6 °C) in August, with the annual mean being 75.4 °F (24.1 °C).
Records range from 24 °F (−4 °C) on December 29, 1894 up to 103 °F (39 °C) on June 16–17, 1981.
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.
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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.