Cheapest Owner Operators Truck Insurance Cost Greenville, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Greenville, Texas. 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 Greenville, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Greenville, Texas 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.
Greenville ( GREEN-vəl) is a city in Hunt County, Texas, United States, about 50 miles (80 km) northeast of Dallas. It is the county seat and largest city of Hunt County. As of the 2010 census, the city population was 25,557, and in 2019, its estimated population was 28,827. The town’s slogan from 1921 to the 1960s was: “The blackest land, the whitest people.”
Greenville was named for Thomas J. Green, a significant contributor to the founding of the Texas Republic.
Greenville was founded in 1846. The city was named after Thomas J. Green, a significant contributor to the establishment of the Texas Republic. He later became a member of the Congress of the Texas Republic.
As the Civil War loomed, Greenville was divided over the issue of secession, as were several area towns and counties. Greenville attorney and State Senator Martin D. Hart was a prominent Unionist. He formed a company of men who fought for the Union in Arkansas, even as other Greenville residents fought for the Confederacy. The divided nature of Greenville and Hunt County is noted by a historical marker in “The SPOT” Park at 2800 Lee Street in downtown Greenville. In the post-Civil War era, Greenville’s economy became partly dependent on cotton, as the local economy entered a period of transition.
With a population of 12,384 in the 1920 census, the city was the 20th-largest city in Texas at the time.
In World War II, the Mexican Escuadrón 201 was stationed in Greenville while training at nearby Majors Field.
Greenville was notorious for a large sign, installed on July 7, 1921, over Lee Street, the main street in the downtown district, between the train station and the bus station in the 1920s to 1960s. The sign read: “Welcome to Greenville, The Blackest Land, The Whitest People.” According to history teacher Paul E. Sturdevant of Greenville, the original intent behind “the whitest people” was to define “the citizens of Greenville as friendly, trustworthy, and
helpful was sincere, and it was meant to include all citizens, regardless of race.” In pre-civil rights America, the phrase “That’s mighty White of you” meant that you were honest, not like suspect Blacks. The sign thus acquired racial overtones, and the original sign was taken down and placed into storage on April 13, 1965, possibly at the urging of Texas Governor John Connally, who had made a visit to the town weeks before. In 1968, Greenville’s Sybil Maddux had the sign reinstalled, with the wording modified to read “The Greatest People”; the original sign is in the collection of the Audie Murphy American Cotton Museum.
In 1957, Greenville annexed the small town of Peniel, which had been founded in 1899 as a Pentecostal Church of the Nazarene community centered around Texas Holiness University. The annexation was approved by the citizens of Peniel, which at the time had a population around 157.
On May 12, 2011, a white buffalo was born near Greenville during a thunderstorm on the ranch of Arby Littlesoldier, who identified himself as a great-great grandson of Sitting Bull. A public naming ceremony and dedication was held on June 29, 2011, during which the male calf was officially given the name “Lightning Medicine Cloud”. However, on August 21, 2012, Lightning Medicine Cloud died. The sheriff’s department declared it had died from a bacterial infection, but the owners disagree, claiming that the buffalo was allegedly skinned by an unknown party.
Greenville is located in North Texas at 33°7′34″N 96°6′35″W / 33.12611°N 96.10972°W (33.126004, −96.109703), in central Hunt County, in the heart of the Texas blackland prairies, 50 miles (80 km) northeast of Dallas and about 45 miles (72 km) south of the Texas/Oklahoma border, on the eastern edge of the Dallas/Fort Worth Metroplex.
According to the U.S. Census Bureau, Greenville has a total area of 33.4 square miles (86.6 km), of which 32.6 square miles (84.5 km2) are land and 0.1 square miles (0.2 km), or 2.46%, is covered by water. The Cowleech Fork of the Sabine River flows through the northeast part of the city.
Greenville has a humid subtropical climate. Due to its location on the North Texas prairies, its weather is typically humid with mild precipitation.
As of the 2020 United States census, there were 28,164 people, 10,454 households, and 6,602 families residing in the city.
In early years, Hunt County was known as the cotton capital of the world. The world’s largest inland cotton compress was located in Greenville until it was destroyed by fire in the mid-1900s.
Currently, the largest industry is L3Harris Mission Integration Division (MID, formerly L3, E-Systems, Raytheon Intelligence and Information Systems (RIIS, IIS)) a major U.S. defense contractor located at Majors Airport. This airport, created in 1942 and initially financed by the local Rotary Club, was used as a training base for P-47 Thunderbolt fighter pilots in World War II, and since then has served as a focal point for economic growth in Greenville.
Tourism is playing an increasing role in the local economy, with attractions such as Splash Kingdom Water Park located on Interstate 30, and the redeveloping historic downtown featuring Landon Winery and the restored vintage Texan Theater, which opened in 2014. Tourism promotion has been under the wing of the Greenville Chamber of Commerce Convention and Visitors Bureau and the City of Greenville, which took over CVB duties in 2014. Greenville is also known for its saddlemaking industry.
According to the city’s 2017–2018 Comprehensive Annual Financial Report, the top employers in the city are:
Entertainment includes the Kenneth Threadgill Concert series, which brings well-known Texas performers to the Municipal Auditorium stage in three concerts per year; the Greenville Entertainment Series, a subscription concert series featuring artists from a variety of musical genres; the Symphony Festival Series, which brings the world-famous Dallas Symphony Orchestra to Greenville for three concerts and an additional children’s concert per year; and the Greenville Follies, a musical review showcasing local talent every other year. Local clubs with musical entertainment, live theater in nearby Commerce, local art shows, a movie theater and a bowling alley offer year-round entertainment.
Tourism draws include the Audie Murphy/American Cotton Museum and the historic downtown area, which includes wineries, antique malls, public gardens, boutique shopping, and regular events at the 1,700-seat Greenville Municipal Auditorium. The vintage Texan Theater was slated for a grand re-opening in 2014. The Rally ‘Round Greenville festival is held the third weekend each September and includes the Cotton Patch Challenge Bicycle Ride, an art show, a barbecue and chili cook-off, Texas Music Weekend, Kids Alley, and more. Backstreet Bash is held in March to celebrate the revitalization of the historic Main Street Area.
Greenville is also home to the Hunt Regional Medical Center.
Greenville is served by Dallas/Fort Worth television stations on local cable and also regular programming.
KGVL radio serves the city of Greenville. KETR in Commerce also serves the city of Greenville due to the proximity of the two cities.
In addition to The Dallas Morning News, which serves the entire Dallas/Fort Worth area, Greenville is served by a local daily newspaper, the Herald-Banner.
Primary and secondary education of Greenville is provided by Greenville Independent School District along with private institutions such as Greenville Christian School.
Postsecondary education is offered through Paris Junior College-Greenville Center. Texas A&M University-Commerce, a major university of over 12,000 students, is located 15 miles (24 km) northeast in Commerce.
According to the city’s most recent Comprehensive Annual Financial Report Fund Financial Statements, the city’s various funds had $19.9 million in revenues, $21.7 million in expenditures, $10.1 million in total assets, $1.8 million in total liabilities, and $1.4 million in investments.
The structure of the management and coordination of city services is:
Greenville is a voluntary member of the North Central Texas Council of Governments, the purpose of which is to coordinate individual and collective local governments and facilitate regional solutions, eliminate unnecessary duplication, and enable joint decisions.
Greenville is represented in the Texas Senate by Republican Bob Hall, District 2, and in the Texas House of Representatives by Republican Bryan Slaton District 2.
The Texas Department of Criminal Justice operates the Greenville District Parole Office in Greenville.
Republicans John Cornyn and Ted Cruz are Texas’s U. S. Senators. Since 2021 Republican Pat Fallon has represented Texas’s 4th congressional district, including Greenville. (John Ratcliffe’s 2020 appointment as Director of National Intelligence had left the seat vacant.)
The United States Postal Service operates the Greenville, Greenville Finance, and Rolling Hills post offices.
Commercial and residential developments line the interstate from Monty Stratton Parkway through Lamar Street. The frontage roads have recently been converted to one-way for safety due to increased traffic.
The nearest airports with passenger air service are Dallas Love Field (55.4 miles) and Dallas/Fort Worth International Airport (70.0 miles).
Majors Airport is a municipal airport located in Greenville.
“The Connection” serves Greenville and all of Hunt County. The transit system operates Monday through Friday from 7 am to 7 pm. Reservations have to be made one day in advance. The charge is $2 ($4 round trip) if the passenger is traveling to a place within the same community or city, and $3 ($6 round trip) if the passenger is traveling from one city or community to another within Hunt County. The Connection will take Hunt County residents to Dallas, on a round-trip only basis: passengers are charged $34, and a minimum of three passengers is required.
