Owner Operators Truck Insurance Near Me Jupiter, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Jupiter, 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 Jupiter, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Jupiter, 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.
Jupiter is the northernmost town in Palm Beach County, Florida, United States. According to the 2020 US Census, the town had a population of 61,047. It is 84 miles north of Miami and 15 miles north of West Palm Beach, and is the northernmost community in the Miami metropolitan area. It was named the 9th Best Southern Beach Town to live in by Stacker Newsletter for 2022, was rated as the 12th Best Beach Town in the United States by WalletHub in 2018, and as the 9th Happiest Seaside Town in the United States by Coastal Living in 2012.
The area where the town now sits was originally named for the Hobe Indian tribe which lived at the mouth of the Loxahatchee River and whose name is also preserved in the name of nearby Hobe Sound. A mapmaker misunderstood the Spanish spelling Jobe of the native people name Hobe and recorded it as Jove. Subsequent mapmakers further misunderstood this to be the name of the Roman god Jupiter, because the declension of the word Jupiter in Latin includes the root Jov- in all cases but the nominative case and vocative case. They, therefore, adopted the more familiar name of Jupiter. The god Jupiter (or Zeus in the Greek mythology) is the chief Roman god, and the god of light, of the sky and weather, and of the state and its welfare and laws. Jupiter’s consort was Juno, inspiring a neighboring town to name itself Juno Beach.
The most notable landmark is the Jupiter Inlet Lighthouse, completed in 1860. Made of brick, it was painted red in 1910 to cover discoloration caused by humidity. Hurricane Jeanne in 2004 sandblasted the paint from the upper portion of the tower, and the tower was repainted using a potassium silicate mineral coating. The lighthouse often is used as the symbol for Jupiter.
In 1999, Jupiter resident George Andres wanted to display a United States flag in his front yard; however, the homeowners association had a bylaw that prohibits the display of a flagpole in the front lawn. Andres still displayed the flag, while the homeowners association went as far as foreclosing his home to cover legal fees after being in court at least twenty-eight times. Even after governor Jeb Bush visited his home along with members of the local and national media, the homeowners association refused to budge.
George Andres later won the case and was allowed to display his flag in his front lawn with the use of a flagpole.
On July 24, 2006, President George W. Bush signed into law the Freedom to Display the American Flag Act of 2005, allowing residents to display the flag on their residential property despite any homeowners association rules.
According to the United States Census Bureau, the town has a total area of 21.1 square miles (55 km), of which 20.0 square miles (52 km) is land and 1.1 square miles (2.8 km) is water. Jupiter has a unique geographical location that sticks out into the Atlantic Ocean further than any other point on the Florida coast. Since 1550, ships have considered it an important stop when sailing to Central and South America.
Jupiter has a trade-wind Tropical rainforest climate (Köppen Af). Much of the year is warm to hot in Jupiter, and frost is extremely rare. Jupiter is also known for humid summers. As is typical in South Florida, there are two basic seasons in Jupiter, a mild and dry winter (November through April), and a hot and wet summer (May through October). Daily thundershowers are common in the hot season, though they are brief. The Town of Jupiter is home to a multitude of tropical trees, and is also known for its lush landscaping around private homes and public parks.
As of the 2020 United States census, there were 61,047 people, 26,597 households, and 16,484 families residing in the town.
In 2020, 19.1% of the population was under the age of 18, and 23.1% of the population was 65 years of age or older. Females made up 51.7% of the population in 2020, and the average household size was 2.43.
In 2020, the median income for a household in the town was $87,163, and the per capita income for the town was $57,865. Out of the total population, 7.9% were living below the poverty line.
As of the 2000 US census, there are 39,328 people, 16,945 households, and 11,403 families residing in the town. The population density is 759.2/km² (1,966.5/mi²). There are 20,943 housing units at an average density of 404.3/km² (1,047.2/mi²). The racial makeup of the town is 94.86% White (89.4% were Non-Hispanic White), 1.22% African American, 0.19% Native American, 1.12% Asian, 0.12% Pacific Islander, 1.37% from other races, and 1.12% from two or more races. 7.33% of the population are Hispanic or Latino of any race.
In 2000, there are 16,945 households out of which 26.6% have children under the age of 18 living with them, 55.8% are married couples living together, 8.4% have a female householder with no husband present, and 32.7% are non-families. 25.8% of all households are made up of individuals and 10.4% have someone living alone who is 65 years of age or older. The average household size is 2.32 and the average family size is 3.15
In 2000, the town the population is spread out with 20.7% under the age of 18, 5.1% from 18 to 24, 28.8% from 25 to 44, 26.5% from 45 to 64, and 18.9% who are 65 years of age or older. The median age is 42 years. For every 100 females there are 97.2 males. For every 100 females age 18 and over, there are 94.2 males.
In 2000, the median income for a household in the town is $54,945, and the median income for a family is $64,873. Males have a median income of $44,883 versus $33,514 for females. The per capita income for the town is $35,088. 4.8% of the population and 3.0% of families are below the poverty line. Out of the total population, 4.7% of those under the age of 18 and 4.7% of those 65 and older are living below the poverty line.
As of 2000, speakers of English as a first language accounted for 88.47% of all residents, while Spanish was at 7.17%, and Italian made up 1.66% of the population.
As of 2000, it’s also home to the 102nd highest percentage of Guatemalan residents, which made up 1.09% of the population (tied with Calverton, New York).
The School District of Palm Beach County provides public education. Jupiter is also home to several private schools and religious schools.
Jupiter’s population is served by two public high schools: Jupiter Community High School in Jupiter, and William T. Dwyer High School in Palm Beach Gardens.
Jupiter Christian School is a private school in the town.
Universities and colleges
Harriet L. Wilkes Honors College at Florida Atlantic University
Florida Atlantic University, John D. MacArthur Campus
Since 1984, Palm Beach County Fire Rescue provides fire protection and emergency medical services to the citizens of Jupiter. There are three fire stations assigned to the town:
Station 19 is the headquarters for Battalion 1, which covers Jupiter, Juno Beach, Lake Park and unincorporated areas of Palm Beach County such as Jupiter Farms and Palm Beach Country Estates.
The Jupiter Police Department consists of 118 sworn officers and 39 civilian support staff personnel, and is headquartered in the town’s municipal campus. Its operational divisions include Road Patrol, Criminal Investigations, Traffic, K-9, Marine, Beach Patrol, Crime Scene Investigation, SWAT and Hostage Negotiation.
Companies based in Jupiter include G4S Secure Solutions, Town Sports International Holdings, Holtec International, and The Babylon Bee.
American Horror Story: Freak Show, the fourth season of American Horror Story, is set in Jupiter in 1952.
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.
