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Frame The Importance of

Commercial Truck Insurance in Jacksonville, 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.

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percent The Commercial Truck

Insurance Agency in Jacksonville, 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 Jacksonville, FL

We Put Truckers First Because Others Don't

 Truck Insurance Jacksonville, 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 Jacksonville, 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 Jacksonville, 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.

phone Call Now
 Trucking Insurance Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, FL

Latest News in Jacksonville, FL

UNF is prioritizing first-years and rising sophomores for on-campus housing. What the new changes mean for upperclassmen

No compatible source was found for this media.JACKSONVILLE, Fla. – The demand for on-campus bed space is extremely high for students at the University of North Florida.The Office of Housing and Residence Life is changing how students will apply for housing for the upcoming Fall 2024 semester by giving underclassmen priority placement.That’s causing concern for the upperclassmen already li...

No compatible source was found for this media.

JACKSONVILLE, Fla. – The demand for on-campus bed space is extremely high for students at the University of North Florida.

The Office of Housing and Residence Life is changing how students will apply for housing for the upcoming Fall 2024 semester by giving underclassmen priority placement.

That’s causing concern for the upperclassmen already living on campus. Many are wondering if they’ll even be able to stay in on-campus housing.

River Dodd, a UNF Senior, has lived on campus for three years now. He’s not confident he’ll be able to stay on campus for his senior year.

“We’re students, we just want somewhere to live. We’ve been here for a long time,” Dodd said. “It would be cheaper, with this next semester, fall, to do online classes and go back home but I need to do my internship, I have a job here. The internship I have lined up is not a long-distance internship, I need to be here.”

All housing applications at UNF are accepted on a first-come, first-serve basis. In years past, all students would submit their applications at the same time.

The new changes mean first-year and rising sophomore students will get priority placement.

Students are divided into three separate groups. First-year and rising sophomore students were able to submit their housing applications last week. All other students must wait until March 4 to apply.

A UNF spokesperson tells News4JAX the changes don’t necessarily mean upperclassmen won’t be able to live on campus, it just changes the way applications are accepted. However, not all students currently living on-campus will be eligible for reassignment. Only 3,700 spots are available.

As seen around the nation, demand for on-campus housing is extremely high. The University desires to house all students who wish to live on campus and will soon break ground on a new residence hall projected to open in Fall 2025 that will house more than 500 students.

With such high demand, the University must focus on those students who need on-campus housing the most while they are first establishing connections and getting acclimated to campus and the community. In efforts to ensure that students early in their college experience have housing priority, UNF opened contracts for admitted first-year students and rising sophomores for Fall 2024 last week.

On March 4, UNF will begin accepting applications from all other students. Submitting the application is the first step of a multi-step housing process for all students. The process of room selection will begin in April for rising sophomores and above, while room selections for freshmen aren’t determined until the summer. Not all current bed spaces will be eligible for reassignment. If a student has successfully submitted a contract, is eligible for room selection and their current space has been identified as available, UNF Housing will pre-assign the students to their current space.

UNF has approximately 3,700 beds in total on campus. Since applications have just opened, we do not know how many students will request housing, but we do expect all beds to be filled by the end of the housing contract process.

UNF Spokesperson

The Flats at UNF, an off-campus housing option for students off Kernan Boulevard, will remain reserved for upperclassmen ONLY. Still, there’s some uncertainty for students like River who’s worried about being able to afford to live in a standard apartment.

“I’m going to have to start looking for places off campus,” Dodd said. “Knowing how the demand is… I don’t think I’ll get a space.”

UNF plans to utilize a standby list to assign bed space that may open up through contract cancellations.

Copyright 2024 by WJXT News4JAX - All rights reserved.

First Alert 7 Day Forecast: January 24, 2024

Today is national Change a Pet’s Life Day, here is how you can pitch in

JACKSONVILLE, Fla — Today is national Change a Pet’s Life Day, and the Jacksonville Humane Society’s open donations are available for members of the community to pitch in and help change the lives of pets in need.Including dogs like Miss Piggy, who was found on an abandoned property on Jacksonville’s westside with a male dog and two puppies.>>> STREAM ACTION NEWS JAX LIVE <<<While the proper...

JACKSONVILLE, Fla — Today is national Change a Pet’s Life Day, and the Jacksonville Humane Society’s open donations are available for members of the community to pitch in and help change the lives of pets in need.

Including dogs like Miss Piggy, who was found on an abandoned property on Jacksonville’s westside with a male dog and two puppies.

>>> STREAM ACTION NEWS JAX LIVE <<<

While the property was deserted, this little canine family stayed together, and a kind citizen found the family and brought them to JHS for care.

“Thanks to our supportive community, Miss Piggy along with dad Kermit and puppies Fozzie and Rowlf received life-saving vaccines, nutritious food, warm baths and lots of snuggles,” said JHS in a news release.

Miss Piggy and her puppies were fostered by a compassionate JHS volunteer, and the entire family was able to find loving homes.

The story of Miss Piggy and her family is an inspiring one that includes all the different ways people can help change an animal’s life for the better. From calling JHS, to adopting, fostering, donating, and volunteering are all ways you can make a lifesaving difference in a homeless pet’s life.

“Pets change our lives just as much as we do theirs,” said Denise Deisler, CEO. “Miss Piggy and her family are just some of pets who will come to JHS in need this year and we are so thankful for our compassionate community that helps us save lives like theirs.”

Donations can be made online at jaxhumane.org/donate, on social media @jaxhumane, or by calling 904.725.8766.

Adoptions are available at the JHS Adoption and Education Center, located at 8464 Beach Blvd., on Monday, January 24 from 12 p.m. to 7 p.m. All animals adopted from JHS are spayed/neutered, microchipped, and up-to-date on vaccines.

For any additional info or questions about the Change a Pet’s Life Day event, please visit jaxhumane.org or call 904-724-8766.

Click here to download the free Action News Jax news and weather apps, click here to download the Action News Jax Now app for your smart TV and click here to stream Action News Jax live.

Graduation rates hit record highs across First Coast

Students in Northeast Florida and the peninsula at large are crossing the stage at record high rates.Florida’s 88% graduation rate for the 2022-23 academic year is the highest in a nonpandemic year. The state record was set during the 2020-21 academic year, when students did not need to pass a standardized test to graduate.Jacksonville Today thanks our sponsors. Become one.In Duval County, 87.2% of students graduated, the highes...

Students in Northeast Florida and the peninsula at large are crossing the stage at record high rates.

Florida’s 88% graduation rate for the 2022-23 academic year is the highest in a nonpandemic year. The state record was set during the 2020-21 academic year, when students did not need to pass a standardized test to graduate.

Jacksonville Today thanks our sponsors. Become one.

In Duval County, 87.2% of students graduated, the highest percentage in a nonpandemic year. It was an increase from the 85.6% graduation rate in 2021-22 and superior to the 86.5% in the 2018-19 academic year.

The three surrounding counties all exceeded the statewide average; however, Nassau County’s graduation rate slipped from 93.3% in 2022 to 91% in 2023. Clay County graduated 90.9% of its students in 2023 but has yet to exceed its prepandemic highs.

St. Johns County led the region with a 94% graduation rate in 2023. St. Johns was the second-best district in Florida, behind rural Lafayette County, for student achievement in the 2022-23 academic year.

“Graduating high school is important for any student’s future,” Education Commissioner Manny Diaz Jr. said in a written statement. “It’s the culmination of many years of dedicated learning and an accomplishment that prepares students for good jobs, for college admissions and for a better all-around future. Since Governor DeSantis took office, high school graduation rates have climbed to unprecedented levels in our state. I’m so proud of our world-class educators and what this means for students, families and future generations of Floridians.”

The Florida Department of Education specifically applauded the graduation rate gains of Black students, students with disabilities and Hispanic students.

Duval, Nassau, Clay and St. Johns counties all exceeded the statewide graduation rate for Black students (85.5%). Clay (89.5%) and St. Johns (95.4% percent) exceeded the 86.8% statewide graduation rate for Hispanic students, while Duval (85.3%) and Nassau (82.9%) did not.

Duval County Public Schools graduated 85.5% of its 3,622 Black seniors in 2023. Nassau County witnessed 97.3% of its Black students graduate, while Clay also witnessed 92.5% of its Black students graduate.

Despite, St. Johns County's legacy as one of Florida’s top districts, Black students there were less likely to graduate high school there than at Jacksonville’s two-predominantly Black high schools last year.

Raines and Ribault, two schools with students zoned from two of Florida’s most under-resourced ZIP codes, graduated 94.7% and 96.1% of its students last year. Meanwhile, only 86.4% of Black students in St. Johns County earned their diploma last year.

The Education Department data did not break out graduation rates for schools that had fewer than 10 people in a cohort, whether it was white students, Black students, Hispanic/Latino students, Asian students or multiracial students. That means the number of white graduates at both Raines and Ribault, as well as the number of Black graduates at Ponte Vedra High School in northeast St. Johns County, were not publicly shared.

Elsewhere in the region, Clay County District Schools excelled at graduating students who qualified for federal free and reduced lunch programs or were categorized as “at-risk” students.

The 87.1% of Clay students who qualified for free and reduced lunch is highest in Northeast Florida and exceeds the 83.8% statewide average. The 81.8% of “at-risk” students who graduated was more than 10 percentage points better than the rest of the state.

Lead image: The late Mary Ella Sams, left, helps Akira Roberson put on her graduation gown on May 23, 2023. Roberson was among 7.052 Duval County Public Schools students who graduated in the 2022-23 academic year. | Will Brown, Jacksonville Today

This Week in the 904: Mayor Deegan calls Confederate monument fight a ‘manufactured controversy’

JACKSONVILLE, Fla. — Removing the last remaining Confederate monument is still an issue with City Council.On Monday night, City Council considered limiting the use of monetary in-kind gifts or donations, which is how Mayor Donna Deegan paid for the removal.>>> STREAM ACTION NEWS JAX LIVE <<<However, Deegan told Action News Jax’s John Bachman that she wants to move past what she calls a “manufactur...

JACKSONVILLE, Fla. — Removing the last remaining Confederate monument is still an issue with City Council.

On Monday night, City Council considered limiting the use of monetary in-kind gifts or donations, which is how Mayor Donna Deegan paid for the removal.

>>> STREAM ACTION NEWS JAX LIVE <<<

However, Deegan told Action News Jax’s John Bachman that she wants to move past what she calls a “manufactured controversy.”

“It’s a big issue over a $0 contract that didn’t cost taxpayers a dime, and this manufactured outrage is basically over the fact that we have removed a Confederate monument that was put up during Jim Crow to intimidate Black people,” Deegan said.

Read: This Week in the 904: Both sides discuss implications of newly-filed ‘What is a Woman Act’

Bachman interviewed Mayor Deegan for Sunday’s episode of “This Week in the 904.” She told us before the Senate filed its bill that she wasn’t concerned about the Monument Protection Act filed by Rep. Dean Black in the Florida House. She stands by that, leaving no doubt what she thinks this debate is really about.

“Our state lawmakers are really saying to people, ‘Yeah, we’re going to go back and put these Jim Crow era monuments back up’ because they can say it’s not about Confederate monuments, but there’s not anybody trying to remove a monument of Martin Luther King Jr.,” she explained.

The mayor and Bachman talked about a lot of issues, including the latest on negotiations with the Jaguars on the stadium deal. You can catch the whole interview on Sunday morning on FOX30 and CBS47.

Read: This Week in the 904: UNF poll explains who Floridians blame for property insurance crisis

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