Owner Operators Truck Insurance Near Me Riviera Beach, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Riviera Beach, 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 Riviera Beach, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Riviera Beach, 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.
Riviera Beach is a city in Palm Beach County, Florida, United States, which was incorporated September 29, 1922. Due to the location of its eastern boundary, it is also the easternmost municipality in the Miami metropolitan area. In the 2020 U.S. Census, the total population of Riviera Beach residents was 37,604 people.
Riviera Beach is predominantly an African-American city and it is on the list of U.S. cities with African American majority populations. It is home to the Port of Palm Beach and a United States Coast Guard station, and has its own marina. Riviera Beach is home to Blue Heron Bridge, one of the country’s top-rated beach dive sites. In 2015, Riviera Beach renamed part of Old Dixie Highway that runs inside the city limits as President Barack Obama Highway. The city is also home to Rapids Water Park, a water park attraction for both tourists and residents.
Riviera Beach was originally called Oak Lawn, but the settlement was renamed Riviera in 1893. It wasn’t until 1941 that “Beach” was added, though it was incorporated in 1922 as only the “Town of Riviera”. In 1959, it converted from a “town” status to the present-day “City of Riviera Beach”. For the first half of the 20th century, its nickname was “Conch Town”, after the many Conch people (Bahamians and Bahamian Americans) who resided in the city. The city was named after the French Riviera.
According to the United States Census Bureau, the city has a total area of 9.8 square miles (25 km), of which 8.3 square miles (21 km) is land and 1.5 square miles (3.9 km) (15.33%) is water. The eastern part of the city includes most of Singer Island, a peninsula on the Atlantic coast of Palm Beach County, Florida, which is separated from the mainland portion of the city by Lake Worth’s Lake Worth Lagoon.
Riviera Beach has a tropical climate, more specifically a tropical rainforest climate (Köppen climate classification Af), as its driest month (February) averages 64.8mm of precipitation, meeting the minimum standard of 60mm in the driest month needed to qualify for that designation. Much of the year is warm to hot in Riviera Beach, and frost is extremely rare. As is typical in South Florida, there are two basic seasons in Riviera Beach, 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 city of Riviera Beach is home to many varieties of tropical vegetation, which can be seen in its variety of plants, trees, and flowers all over South Florida and the city itself.
As of the census of 2010, there were 17,124 households, out of which 27.7% were vacant. In 2000, 29.3% had children under the age of 18 living with them, 37.1% were married couples living together, 27.0% had a female householder with no husband present, and 29.3% were non-families. 22.3% of all households were made up of individuals, and 6.1% had someone living alone who was 65 years of age or older. The average household size was 3.04 and the average family size was 4.62.
In 2000, the population was spread out, with 37.5% under the age of 18, 10.0% from 18 to 24, 27.1% from 25 to 44, 20.7% from 45 to 64, and 8.7% who were 65 years of age or older. The median age was 30 years. For every 100 females, there were 107.5 males. For every 100 females age 18 and over, there were 105.6 males. The median income for a household in the city was $28,715, and the median income for a family was $26,756.
In 2000, males had a median income of $27,232 versus $22,410 for females. The per capita income for the city was $13,159. About 29.6% of families and 32.3% of the population were below the poverty line, including 35.1% of those under age 18 and 21.4% of those age 65 or over.
As of 2000, those who solely spoke English at home accounted for 90.30% of all residents, while speakers of Spanish were 4.71%, French Creole 2.42%, and French speakers 0.95%.
Riviera Beach has a mayor–council–manager form of government. Ronnie Felder was elected to a second three-year term as its mayor in 2022. Jonathan Evans, who was fired as city manager by three city council members in 2017 “for cause, for misfeasance” but without further explanation, returned to that position in 2019, and as of July 2022 was in negotiations for a contract renewal. The city is divided into five districts, each with a council member; the mayor does not vote.
The Riviera Beach City Council has received national attention for its repeated clashes with local activist Fane Lozman, starting with his successful lawsuit, brought under Florida’s open-meetings law, to prevent them from seizing the marina under eminent domain and selling it to private developers. In 2013, Lozman won against the city at the United States Supreme Court in an admiralty case after the city seized his floating home. In 2018, Lozman won a rare second victory at the court, this one arising from his arrest during a city council meeting in November 2006.
Public Elementary Schools
Public Middle School
Public High Schools
Charter High School
Riviera Beach is served by several bus routes operated by PalmTran.
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.
