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Frame The Importance of

Commercial Truck Insurance in Homestead, FL

  • Let's face it - truckers in America have always been the backbone of our great country. They still are in modern times. On any given day, thousands of trucks traverse our highways and local roads, delivering goods and products on time so that businesses and consumers have what they need to live life. And while commercial trucking can be an incredibly lucrative way to make a living and put food on the table, it can also be risky and expensive.
  • Whether you're the owner of a fleet, an independent trucker, or have a business that uses big rigs to transport goods, you need commercial trucking insurance to protect you and your client's investments, shield you from liability, and more.
  • That's where working with a reliable truck insurance agency comes into play. Unfortunately, for many commercial truck insurance providers, serving the needs of truckers is low on the proverbial totem pole. At Independence Insurance Agency, nothing could be further from the truth.

Service Areas

percent The Commercial Truck

Insurance Agency in Homestead, FL You Can Trust

Much like you pride yourself on running a successful trucking business, Independence Insurance Agency prides itself on its years of experience providing truck insurance for hardworking men and women across the country. And in our experience, insurance rates for truckers are just too high - so high, in fact, that they eat away at their bottom line, making it more difficult to run a business and make a profit. Fortunately, at Independence Insurance Agency, we provide truckers the freedom they need from astronomically high insurance rates so they can stay on the road and keep driving America forward.

As one of the most trusted commercial trucking insurance agencies in the U.S., we understand the challenges that you face daily as a trucker. We also know how important it is to protect your business. That's why we go above and beyond to find you the best-priced coverage available, whether you're an operator, own a small fleet, a large fleet, or something in between.

Commercial Truck Insurance Homestead, FL

We Put Truckers First Because Others Don't

 Truck Insurance Homestead, FL

Truckers across the country choose to work with Independence Insurance Agency because we put their needs first before anything else. As experts in transportation insurance, we proudly offer a range of quality insurance products that are both practical and affordable for them. Our industry-leading carriers provide coverage that caters to the unique challenges faced by the trucking industry, ensuring that your business is protected at all times.

At our core, we are committed to finding the best possible price for your coverage without compromising the quality of service you deserve. The truth is, we understand how essential truckers are to the United States and take pride in making their insurance experience more streamlined and affordable.

One way we do so is by simplifying the insurance process. Our transportation specialists take the time to understand your specific needs and budget to tailor a comprehensive plan that works for you. You won't ever have to worry about cookie-cutter plans or uninterested agents when you work with our commercial trucking insurance agency. We take an educational approach to ensure that the entire big rig insurance process is quick, painless, and easy to understand. If there's something you don't understand, we're happy to take the time to explain. After all, the success and safety of your business are on the line.

Looking to the future, we are committed to providing innovative new products that cater to the ever-changing needs of truck drivers. As your one-stop shop for commercial trucking insurance, we are dedicated to your success, one policy at a time.

If you're a commercial trucker looking to ensure your rig, you can rest easy knowing that Independence Insurance Agency provides:

  • Affordable Trucking Insurance Plans for Any Budget
  • Exemplary Customer Service
  • Seasoned Transportation Specialists Who Customize Plans to Your Needs
  • A+ Carriers Across the Country
  • Simple, Easy Quote and Bind Process
  • Multiple Insurance Carriers Quoted to Find You the Best Rates
  • Truck Insurance for New Ventures

Call us or send us a message today to learn more about the best 18-wheeler insurance options for your trucking business.

chart The Commercial Truck

Common Types of Big Rig Truck Insurance in Homestead, FL

At Independence Insurance Agency, we offer several types of insurance coverage for local, intermediate, and long-haul trucking needs. Here are just a few categories of trucking insurance coverage that our agency offers.

As the foundation of your insurance policy, liability coverage is required by law in most states in the U.S. It provides coverage for damage or injuries caused to properties or other people if your 18-wheeler is responsible for the crash. Without liability coverage, it's almost impossible to drive a truck or run a trucking business without major legal consequences.

Having physical damage coverage is an essential component that shouldn't be overlooked. This insurance is responsible for covering the expenses related to repairing or replacing your truck in situations such as accidents, theft, vandalism, and other damaging events. By having this coverage, you can rest assured that your business won't be affected significantly by unexpected incidents, and you can continue running your operations smoothly even in challenging times.

For trucking companies, the goods they transport are crucial to their operations. To protect these goods from damage, loss, or theft while in transit, cargo insurance is essential. This coverage provides much-needed peace of mind for both you and your clients, allowing you to reimburse clients for any losses sustained while protecting your reputation and brand identity.

Non-Trucking Liability Insurance is designed to cover property damage or bodily injury that may occur during personal time when the driver/truck is not under dispatch. This coverage can be applied with or without a trailer and is added to a commercial policy as an endorsement.

While Independence Insurance Agency has built a reputation of excellence in serving the needs of truckers, we also offer general liability. Also known as Truckers General Liability, this coverage insures for bodily injuries or property damage that happen due to business activities that are NOT the cause of operating a truck. It covers accidents that occur in parking lots, rest stops, also while loading or unloading. General liability can also cover losses related to theft and vandalism. Most brokers and shippers will require this coverage to work with you.

Bobtail insurance is a type of coverage that is comparable to non-trucking liability, which is designed to offer protection when driving a truck without a trailer attached. This is commonly referred to as "bobtailing." With bobtail insurance, the tractor is covered at all times, even when it is not attached to a trailer, regardless of whether or not the truck is under dispatch.

Trailer interchange insurance is a must-have if you're involved in a trailer interchange agreement. This essential coverage offers protection for trailers owned by other parties that you're using under a contractual agreement. It covers damages caused by collisions, fire, theft, and vandalism, providing assurance to all parties involved.

Curious whether our commercial truck insurance agency in cityname, state offers additional coverage? The following options can be bound in your insurance policy:

  • Business Interruption Insurance
  • Reefer Breakdown Insurance
  • Occupational Accident with Contract Liability Insurance
  • Rental Reimbursement Insurance
  • Underinsured or Uninsured Motorist Insurance
  • Towing Insurance
  • Electronics Insurance
  • Much More

Three plus 3 Safe Driving Tips to

Lower the Cost of Truck Insurance in Homestead, FL

Keeping your drivers safe on the road is crucial not only for their own well-being but also for the safety of other motorists and the financial stability of your business. The Department of Labor has identified the trucking industry as one of the most hazardous sectors in the U.S. In fact, trucking and logistics fleets are known for their high injury and fatality rates. By improving how safely your truckers drive, you can help reduce expenses related to claim payouts, accidents, and insurance premium hikes.

Whether you own a large fleet or you're the owner and operator of a single rig, keep these safe driving tips in mind to help lower your insurance costs.

Implement Preventative Maintenance Plans

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

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 Trucking Insurance Homestead, FL

Practice Defensive Driving

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
phone Call Now
 Commercial Liability Insurance For Truckers Homestead, FL

Find Ways to Prevent Distracted Driving

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

phone Call Now
 Commercial Truck Insurance Quote Homestead, FL

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

 Low Priced Commercial Truck Insurance Homestead, FL phone Call Now

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
Commercial Truck Insurance Homestead, FL phone Call Now

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

 Truck Insurance Homestead, FL phone Call Now

check light FAQs About

Independence Insurance Agency

If you're looking for a commercial trucking insurance agency for your business, chances are you have some questions - and we've got answers. Keep reading to learn more about some of the most commonly asked questions we hear from truckers like you.

Why go with a "jack of all trades" when you can work with specialists who focus exclusively on transportation insurance? We have excellent relationships with major trucking insurance carriers and, as such, can provide the best assistance and reasonable rates.

Typically, companies will look at claims that date back three years or less.

We proudly work with more than 20 carriers to provide our clients with the most advantageous options at competitive prices, catering to the needs of owner-operators and big fleets alike.

Permit filings are typically done by insurance companies on the next business day. Federal (FMCSA) filings are completed online and updated immediately, while some states may take up to three weeks to process.

Independence Insurance Agency: Committed to the Trucking Industry

There's no question about it - you've got to protect your staff, your rig, and your trucking business with insurance. But choosing the right insurance partner isn't always easy. Thankfully, with Independence Insurance Agency by your side, you can rest easy knowing you're covered no matter where the road takes you. If you're in need of a commercial truck insurance agency in Homestead, FL that caters to truckers like you, pick up the phone and contact one of our transportation specialists today. That way, you can get back on the road with confidence tomorrow.

 Trucking Insurance Homestead, FL

Latest News in Homestead, FL

Amazon Delays Opening Of Biggest Distribution Center In South Florida

Amazon is pushing back the opening of a 1M SF distribution center in Homestead, citing macroeconomic issues that it says have affected its entire warehouse network.The Miami-Dade County Commission unanimously approved a resolution that grants the e-commerce giant a 12-month extension to op...

Amazon is pushing back the opening of a 1M SF distribution center in Homestead, citing macroeconomic issues that it says have affected its entire warehouse network.

The Miami-Dade County Commission unanimously approved a resolution that grants the e-commerce giant a 12-month extension to open the distribution center at 13200 Southwest 272nd Ave. south of Miami.

Lennar, affiliates buy Homestead development land for $69M; 1,300 homes planned (Photos)

Lennar Corp. and several land banks it’s working with acquired the Keys Gate development site in Homestead for a combined $68.5 million.The Keys Gate III Trust Land Baron VIII, and Land Baron ClubHouse, both managed by Drew Rosen in Homestead, sold 347.1 acres at 1800 and 2300 Palm Drive, plus 888 S.E. 28th Ave. Miami-based Lennar (NYSE: LEN) acquired only 14.9 of those acres, including the 32,567-square-foot clubhouse, directly for $17.75 million. The vacant land was purchased by AG EHC (LEN) Multi State 4 LLC, an affiliate of ...

Lennar Corp. and several land banks it’s working with acquired the Keys Gate development site in Homestead for a combined $68.5 million.

The Keys Gate III Trust Land Baron VIII, and Land Baron ClubHouse, both managed by Drew Rosen in Homestead, sold 347.1 acres at 1800 and 2300 Palm Drive, plus 888 S.E. 28th Ave. Miami-based Lennar (NYSE: LEN) acquired only 14.9 of those acres, including the 32,567-square-foot clubhouse, directly for $17.75 million. The vacant land was purchased by AG EHC (LEN) Multi State 4 LLC, an affiliate of Angelo Gordon & Co.’s Essential Housing fund, and New York-based Jen Partners.

Trending: These are the biggest South Florida home sales of 2023

Both of those companies signed option agreements with Lennar to purchase the home lots when they are ready for delivery to homeowners. This is a land banking strategy Lennar often uses to reduce the amount of land on its books.

As reported in 2022, Lennar plans to complete the Keys Gate community with 1,335 homes and reopen the long-shuttered golf course. The new 18-hole course would have all par-3 holes, a putting green, mini golf and a driving range. Lennar will also renovate the clubhouse, which is why it acquired that property directly.

Lennar recently announced its fourth quarter results, reporting more home sales, although it reduced prices and offered incentives to buyers in some markets to keep volume going. The homebuilder has responded to the rise in interest rates by adjusting prices to make homes more affordable so it could keep sales going at healthy levels.

Miami-Dade County is one of the few places in the nation where home values have largely held strong.

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Homebuilders in South Florida

June 2023 starts

RankPrior RankCompany / Prior (*Not ranked in 2021) / URL
11Lennar Corp.
22GL Homes
33Pulte

View this list

Florida Male Athlete of the Month: Somerset Academy South Homestead’s Kas Williams

Selected over three additional finalists with 53.45% of the possible votes, Somerset Academy South Homestead basketball player Kas Williams has been voted the ITG Next Florida Male Athlete of the Month for January 2024. The other finalists were Chaminad...

Selected over three additional finalists with 53.45% of the possible votes, Somerset Academy South Homestead basketball player Kas Williams has been voted the ITG Next Florida Male Athlete of the Month for January 2024. The other finalists were Chaminade-Madonna football’s Cedrick Bailey, Montverde Academy basketball’s Cooper Flagg, and Miami Palmetto’s Santiago Henriquez.

Williams, a senior forward, has had a major impact for Class 3A’s Somerset Academy South Homestead, which owns a 13-7 overall record at the time of this writing. One of the state’s leading rebounders, he is averaging a double-double for the 2023-24 season, with 14.9 PPG and 18.4 RPG in 14 games, including 7.1 offensive rebounds among the latter average. In addition to those impressive numbers, Williams is shooting a noteworthy 65% from the field, along with averages of 5.1 BPG, 2.9 APG, and 1.6 SPG.

Williams has posted a double-double in all but one of those 14 games, and he has two 20/20 games so far this season, as well as five contests with at least 20 rebounds.

In December, the talented frontcourt player received the honor as a result of his stellar play as the Hurricanes went 7-7. During a nine-game span, Williams averaged a double-double at 15.7 PPG and 20 RPG for, along with 3.3 APG, 1.4 SPG, and 6 BPG. The term “double-double” was a recurring theme throughout the month, as he recorded eight total.

The 20/20 games came on back-to-back days, the first of which was a 20-point, 23-rebound showing on December 28 in a 62-58 loss to Coconut Creek. The following day he produced a 23-point, 23-rebound performance in a 59-54 loss to Hallandale.

Congratulations to Somerset Academy South Homestead’s Kas Williams, the ITG Next Florida January 2024 Male Athlete of the Month.

ITG Next welcomed hundreds of high school student-athletes and their coaches to the 2023 TaxSlayer Gator Bowl Takeover at Everbank Field in Jacksonville on December 29. As in past years, the students came from various schools around South Georgia and North Florida, and they were treated to a great day of football, food and fun.

This bowl game has become one of the premier contests in college football, growing in popularity and fan attendance while hosting great teams every year. The 2023 TaxSlayer Gator Bowl was no exception as the Clemson Tigers and the Kentucky Wildcats gave fans on both sides plenty to cheer about. An exciting, back-and-forth second half ended with Clemson winning 38-35.

Prior to the game, ITG Next provided the students and their coaches with convenient parking, game tickets, and pizza, all at no cost.

Be sure to ask your school about joining the ITG Next Gator Bowl Takeover next year!

Homestead ideal site for new state prison and inmate hospital, state consultants say

Miami-Dade could be the potential site for a new state prison.The idea is being proposed by an auditing firm hired by the state to develop a master plan for Florida’s state prison system, which is at risk without the construction of at least one new prison, according to their final report.Their firm’s final report will be presented to a House panel on Friday. It includes three plans...

Miami-Dade could be the potential site for a new state prison.

The idea is being proposed by an auditing firm hired by the state to develop a master plan for Florida’s state prison system, which is at risk without the construction of at least one new prison, according to their final report.

Their firm’s final report will be presented to a House panel on Friday. It includes three plans, the most ambitious of which would require three new prisons being built over the next 20 years. The department would also need to build hundreds of new hospital beds for Florida’s projected growing inmate population, according to the report .

After analyzing the labor market and available lands across the state, the auditing firm, KPMG, listed four locations as possible sites for a new 4,800-bed prison. Two of those are in Homestead, which already has nearby correctional facilities.

One area recommended by the auditors is on the western edge of Homestead, about 10 miles from Dade Correctional Institution and 23 miles from Everglades Correctional Institution. The second site is two miles north of that.

The auditing firm also recommends an area directly south of Dade and Homestead Correctional as a place to build a new 600-bed hospital for Florida inmates. The land is currently already under the Department of Corrections’ lease, according to the report.

The other two identified spots for a new prison are in Polk and Bradford County. The land in Polk is currently listed as conservation land, which the Homestead land is not, and the auditors also warn that other prisons nearby in Bradford County have faced trouble filling staff positions.

State lawmakers would not be bound to the auditing firm’s recommendation on where to build a new prison, if they decide to do so.

In order to follow two of the auditing firm’s three recommendations for a 20-year path, lawmakers would have to decide to build a new prison this legislative session, which is scheduled to end in March.

Gov. Ron DeSantis, whose administration oversees the state prison system and who has the ultimate say on the state budget, would have a say in the matter too. So far, the governor’s budget recommends including money for maintaining existing prisons, but does not set aside money to build a new facility.

Amazon seeks extension to create jobs at distribution center in Miami-Dade County

Amazon.com is seeking an extension from Miami-Dade County officials to create jobs at its Homestead distribution center.On Sept. 13, the County Commission’s Airport and Economic Development Committee will consider granting the Seattle-based e-commerce giant (Nasdaq: AMZN) a 12-month extension for its Homestead project. It appears Amazon is still moving forward with the $129 million investment in the project, but it's taking longer to open than initially anticipated.Trending: ...

Amazon.com is seeking an extension from Miami-Dade County officials to create jobs at its Homestead distribution center.

On Sept. 13, the County Commission’s Airport and Economic Development Committee will consider granting the Seattle-based e-commerce giant (Nasdaq: AMZN) a 12-month extension for its Homestead project. It appears Amazon is still moving forward with the $129 million investment in the project, but it's taking longer to open than initially anticipated.

Trending: Innovation reshapes construction industry

In 2020, Amazon purchased the 76.9-acre site at 27505 S.W. 132nd Ave. from the county for $22.06 million and signed a development agreement that required it create at least 325 jobs with an average salary of $32,000.

However, by 2022 Amazon had slowed down its development and leasing of warehouses across the country. The explosive growth in e-commerce sales during the first year of the Covid-19 pandemic had eased up, plus construction costs increased. Amazon often uses advanced robots in its warehouses.

According to the county staff memo, Amazon obtained a temporary certificate of occupancy for the 1.35 million-square-foot facility in June 2022; however, it has not yet been fully equipped with all the necessary equipment and furnishings to commence operations. Amazon anticipates installing the necessary equipment by spring 2024, according to the memo.

“Amazon has endured delays due to ‘various macroeconomic issues such as industry-wide supply chain challenges and inflationary pressures that have impacted not only this site but Amazon’s entire network of facilities,’” according to a county staff memo.

Under the proposed agreement, the completion date and job requirement deadline for Amazon’s Homestead facility would be extended 12 months to Sept. 18, 2024. It would still need to comply with the deal for 21 years.

"We’re grateful to Miami-Dade County for their partnership on this project and will continue to work closely together to share more as plans progress,” Amazon spokesperson Owen Torres stated.

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Largest Employers in South Florida

Total S. Fla Employment

RankPrior RankCompany / Prior (*Not ranked in 2021) / URL
11Baptist Health South Florida
22University of Miami
33Memorial Healthcare System

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