Owner Operators Truck Insurance Near Me Pinellas Park, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Pinellas Park, 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 Pinellas Park, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Pinellas Park, 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.
Pinellas Park is a city located in central Pinellas County, United States. The population was 53,093 at the 2020 census. The city is the fourth largest city in Pinellas County. The city was incorporated in 1914.
The city was founded by Philadelphia publisher F. A. Davis, who purchased 12,800 acres (52 km) of Hamilton Disston’s land around 1911. Davies used promotional brochures to lure northerners, especially Pennsylvanians, to the town, noting the pleasant climate in the winter and the agreeable agricultural conditions. The Florida Association, a corporation, set up model farms and offered a free lot in the city with the purchase of ten acres of nearby farm land. A two-story building called the Colony House was established to house prospective purchasers of the available farm plots. The primary crop that the founders intended to grow on the farms they established was sugar cane. By 1912, lots in the city were being sold separately. The City of Pinellas Park was formally incorporated on October 14, 1914.
Though not on the original Orange Belt Railway, Pinellas Park did have a train depot, razed in 1970, on the line between Clearwater and St. Petersburg. The city lay on the vehicle road from St. Petersburg to Tampa. Growth was moderate until after World War II, when the city’s population more than tripled.
According to the United States Census Bureau, the city has a total area of 16.2 square miles (41.9 km), of which 15.5 square miles (40.2 km) is land and 0.66 square miles (1.7 km) (4.14%) is water.
Pinellas Park city limits are contiguous with those of St. Petersburg, Clearwater, Largo, Seminole, Kenneth City, and unincorporated areas of Pinellas County. Annexation into the city is voluntary by both the property owner and the City Council.
Because of the city’s relatively low elevation between major bodies of water, and its generally flat topography, it has historically been subject to flooding. Through construction of a network of drainage canals and other measures by the Pinellas Park Water Management District, flooding in the city has been greatly mitigated.
As of the census of 2020, there were 53,093 people, 20,746 households, and 12,344 families residing in the city. The population density was 3,160.29 inhabitants per square mile (1,220.19/km). There were 25,470 housing units at an average density of 11,516.07 per square mile (4,446.38/km). The racial makeup of the city was 77.8% White, 5.1% African American, 0.0% Native American, 9.9% Asian, 0.3% Pacific Islander, and 2.3% from other races and 4.7% of two or more races. Hispanic or Latino of any race were 13.9% of the population. Linguistically, 76.1% of the population over the age of five reported speaking only English at home, while 23.9% reported speaking some other language.
There were 20,746 households, out of which 22.3% had children under the age of 18 living with them, 52.8% were married couples living together, 10.2% had a female householder with no spouse present, 6.6% had a male householder with no spouse present, and 40.4% were non-families. 32.6% of all households were made up of individuals, and 17.6% had someone living alone who was 65 years of age or older. The average household size was 2.54 and the average family size was 3.22.
In the city, the population was spread out, with 20.3% under the age of 20, 10.4% from 20 to 29, 14.3% from 30 to 39, 12.5% from 440 to 49, 20.5% from 50 to 64, and 22.0% who were 65 years of age or older. The median age was 43.6 years. 47.1% of the inhabitants were male and 52.9% were female. Like many areas in Florida, the population of Pinellas Park swells temporarily, but substantially, for half the year as mostly-retired adults (called “snow birds”), who reside elsewhere in the northern states or Canada during the summer, come to Florida for its mild winter climate.
Educational statues surveys showed that among those 25 and older 14.3% did not have a high school diploma, while 32.4% had only a high school diploma, 19.8% had some college experience without a degree, 25.8% had an Associate’s or bachelor’s degree, and 7.7% had a graduate or professional degree.
The median income for a household in the city was $58,526, and the median income for a family was $58,526. Males had a median income of $44,616 versus $38,510 for females. The per capita income for the city was $18,701. About 9.0% of families and 13.2% of the population were below the poverty line, including 14.8% of those under age 18 and 11.2% of those age 65 or over.
The Pinellas Park Civic Orchestra and the Sunsation Show Chorus perform regularly in the City-owned 500-seat Performing Arts Center. Regular theatre organ concerts are given at the City Auditorium, home to a “Mighty Wurlitzer” restored by the local chapter of the American Theatre Organ Society. The Pinellas Park Arts Society holds monthly themed contests in the Park Station building, close to the Creative District. To encourage artists to live and work in the district, the city has established two facilities: Studios at 5663 and the Artist Live/Work building.
The Tampa Bay Automobile Museum displays an extensive collection of historical automobiles with an emphasis on progressive engineering achievement, the personal interest of founder and benefactor Alain Cerf. The museum houses a unique working full-scale replica of the first self-propelled mechanical vehicle, the fardier of Nicolas-Joseph Cugnot. Luxury cars currently displayed and sold in Pinellas Park include Rolls-Royce Motor Cars, Bentley, McLaren, and Aston Martin. These and a Maserati dealership are all located in the Gateway area near the Automobile Museum.
Car and truck aficionados display their prized vehicles nearly weekly on 49th Street and compete in the regularly scheduled shows. The Showtime Dragstrip provides a venue for drag racing fans. Nearby on the aptly-named Automobile Boulevard is Tampa Bay Grand Prix, where youth and young adults race high-speed go carts on an indoor track.
Pinellas Park is known throughout the Tampa Bay area for a series of community events held annually in a city-owned bandshell located behind City hall. The most popular of these events is “Country in the Park”, a festival held every year generally on the third Saturday of March, but always after the Florida State Fair and Florida Strawberry Festival. The festival’s popularity stems from its wide array of events, such as arts and crafts shows, NASCAR displays, popular amusement park rides, and multi-artist day-long concerts, and the fact that parking, entry to the festival, and attendance of the concert are all free of charge. As of 2011, the Country in the Park festival has been organized for 21 years straight.
Another popular celebration among the locals is Pride in the Park. This celebration occurs during the week leading up to Country in the Park. Usually the night before Country in the Park, the firefighters’ chili cookoff takes place at the bandshell.
Pinellas Park is home to a memorial to the Korean War, located in Freedom Lake Park.
Due to its proximity to the Gulf of Mexico and Tampa Bay, Pinellas Park is home to many marine businesses, from manufacturing to service and supplies. Large optical manufacturers, including Transitions Optical, are located either in Pinellas Park or nearby in the broader area known as “Gateway”.
In 2020 the city reported the unemployment rate of the ‘immediate area’ at 5.0%. In 2020, the city reported total governmental-type and business-type assets of $271 million and total revenue from taxation and charges for services of $104 million.
Lockheed Martin Aeronautics’ Pinellas Park facility specializes in metal forming, fabrication and assembly of components for military and civilian aircraft. Current and prior projects include the F/A-22, F-16, C-130J, C-5, U2, Northrop’s E-2C Hawkeye, the Gulfstream G5, Goodrich Aerospace, Piper, the P-3, Atlas Launch Vehicle, Space Shuttle, and B-52 Bomber.
The C.W. Bill Young Armed Forces Reserve Center, a $47-million multi-facility training center for both U.S. Army Reserve and Florida Army National Guard units, opened in 2005 and serves thousands of soldiers yearly.
Several of the largest employers in Pinellas County occupy parcels contiguous with the city, including Raymond James Financial, Transamerica Financial, Cisco, FIS (credit card services), Valpak (advertising mailers), Orbital ATK (defense electronics), and Home Shopping Network.
The city has three concentrations of retail business all along Park Boulevard. At 49th Street, near the historic center of town, one finds traditional shops, small businesses, and restaurants. Just to the east, at U.S. 19, the Shoppes at Park Place anchor the city’s second retail hub with big-box retailers and a large movie theater. At the western edge of the city, near 66th Street and Belcher Road, are more big box retailers, ethnic specialty shops and restaurants, and the enormous Wagon Wheel and Mustang flea markets.
Due to the significant Vietnamese, Laotian, Indian, and southeast Asian community, Pinellas Park is home to one of the largest concentrations of ethnic restaurants, businesses, and specialty vendors serving those communities in the southeast. The city’s library maintains the county’s only special collection of materials in Vietnamese. The population includes those with recent ancestors from Germany, Poland, Eastern Europe, Russia, Armenia, India, Lebanon, Cuba, and Puerto Rico.
The Pinellas Park Chamber of Commerce promotes the interests of local and nearby businesses, contributing to the overall vitality and cooperative nature of the mid-county economy.
Pinellas Park has a council-manager form of government. The current mayor is Sandra Bradbury, who is the daughter of former mayor Cecil Bradbury. The current city manager is Douglas Lewis. Various volunteer citizen boards are appointed by the city council to advise the council on governmental matters. The city council itself consists of four board members.
Pinellas Park’s original police department was founded on May 27, 1915, with its only member being the appointed Marshal George W. Williams Sr. The modern Police Force was established in 1948.
Today, the city maintains a Police Department of more than 150 employees. Police Chief Mike Haworth in 2015 assumed the position previously held by Dorene Thomas, the first female police chief in the county. The city announced in its 2020 budget that it will being work on a $25 million construction project of a new Police and Fire Operations Center that will last several years.
The Fire Department was established in 1912, when the city had only 50 residents. It serves the city and the surrounding areas. In 2017 the city paid $915,000 for the site of a former church with the intention of building a new fire station. The city has announced construction of the new station will cost approximately $4.7 million.
The Police Department facilitates the Police Explorers, a youth education and service group. Likewise, the Fire Department facilitates the Fire Explorers. Youth in both programs are involved in community service as well as competitions among similar groups.
The city is served by the Pinellas County Schools district. Most of the city’s high school students attend Pinellas Park High School or Dixie M. Hollins High School.
The Caruth Health Education Center is home to the healthcare-related degree programs of St. Petersburg College. It includes a simulation hospital unit for its nursing program, a patient-care clinic of dental hygiene, and an orthotics and prosthetics lab space.
Madalya Fagan was the first president of the library association, and through the efforts of this volunteer organization, the Pinellas Park Public Library was established in December 1948. Fifteen years later, the city of Pinellas Park took control over the library. Marjorie Trimble was the very first paid librarian, although it wouldn’t be until 1967 when Ms. Harrop would be the first librarian who possessed a Master of Library Science degree to be hired.
The first library building was located in Park Station, an old pump house in the middle of Triangle Park. The second library was then built at 5795 Park Boulevard, although that structure no longer stands. The current library was built in 1969, and is located at 7770 52nd St, across the street from City Hall and Pinellas Park Elementary School. The library was last remodeled in 2001 and has undergone several additions that expanded the original 7,000 square feet interior into 30,972 square feet, which includes over 26 adult desktop computers, 11 children desktop computers, a teen lounge, a quiet room, and two meeting rooms for rentals and programs.
On June 6, 2014, the library was renamed in honor of late director Barbara S. Ponce. Mrs. Ponce was promoted to community activities administrator and library director in 1999, and retired in 2008. The job placed her over the Pinellas Park Library, parks and recreation, and media/public events.
The library houses a collection of over 100,000 physical items, including books, audio books, newspapers, magazines, DVD’s, and Blu-ray discs available for holders of Pinellas Public Library Cooperative-issued library cards to check out. E-books and other digital services are also available. Special collections include an Asian Language Collection with materials in Hindi, Mandarin, and Vietnamese, a Spanish Collection, and an extensive collection of graphic novels and Manga.
The Barbara S. Ponce Public Library hosts programs for community residents with many designed for children and teens.
These programs include many art, music, and literature related educational programs as well as chess clubs, board game events, and programs to tutor schoolchildren with homework help.
Adult programming consists of monthly craft nights, an adult coloring club, free movie screenings, murder mystery nights, and technology classes. English as a Second Language (E.S.O.L.), American Sign Language, Origami, and Ukulele classes are also hosted by members of the community in conjunction with the library.
Pinellas Park is served by major roads such as U.S. Route 19, Florida State Road 693, Florida State Road 694, and is served by an exit off I-275.
Mass Transit through Pinellas Park is provided by Pinellas Suncoast Transit Authority (PSTA).
While the Clearwater Subdivision railroad line runs through Pinellas Park, the city contains no stops on the line.
Nearby Tampa International Airport provides air transportation for most passengers. Smaller airlines, with destinations to smaller cities and towns, operate at St. Petersburg-Clearwater International Airport, with most tenants providing only seasonal services.
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.