Cheapest Owner Operators Truck Insurance Williamson, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Williamson, 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 Williamson, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Williamson, 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.
Williamson County (sometimes abbreviated as “Wilco”) is a county in the U.S. state of Texas. As of the 2020 census, its population was 609,017. Its county seat is Georgetown. The county is named for Robert McAlpin Williamson (1804?–1859), a community leader and a veteran of the Battle of San Jacinto.
Williamson County is part of the Austin-Round Rock-Georgetown metropolitan statistical area. It was included with Austin in the Best Cities to Live in for 2009 by the Milken Institute. It is on both the Edwards Plateau to the west, rocky terrain and hills, and Texas Blackland Prairies in the east, rich, fertile farming land. The two areas are roughly bisected by Interstate 35.
Much of Williamson County has been the site of human habitation for at least 11,200 years. The earliest known inhabitants of the area lived during the late Pleistocene (Ice Age), and are linked to the Clovis culture around 9,200 BC based on evidence found at Bell County’s much-studied Gault Site. One of the most important discoveries in recent times is the ancient skeletal remains dubbed the “Leanderthal Lady” because of its age and proximity to Leander, Texas. It was discovered by accident by the Texas Department of Transportation workers while drilling core samples for a new highway. The site has been extensively studied for many years, and samples from this site carbon date to the Pleistocene period around 10,500 years ago. Prehistoric and Archaic “open occupation” campsites are also found throughout the county along streams and other water sources, including Brushy Creek in Round Rock and the San Gabriel River in Georgetown. Such evidence of Archaic-period inhabitants is often in the form of relics and flint tools recovered from burned rock middens. Many such sites were inundated when the San Gabriel River was dammed to create Lake Granger.
The earliest known historical Native American occupants, the Tonkawa, were a flint-working, hunting people who followed the buffalo on foot and periodically set fire to the prairie to aid them in their hunts. During the 18th century, they made the transition to a horse culture and used firearms to a limited extent. After they were crowded out by white settlement, the Comanches continued to raid settlements in the county until the 1860s. Also, small numbers of Kiowa, Yojuane, Tawakoni, and Mayeye Indians apparently were living in the county at the time of the earliest Anglo settlements.
On September 9 and 10, 1921, the remnants of a hurricane moved over Williamson County. The center of the storm became stationary over Thrall, a small farming town in eastern Williamson County, dropping a storm total of 39.7 in (1,010 mm) of rain in 36 hours. The 24-hour rainfall total ending 7 am on September 10, 1921 (38.2 in (970 mm)) at a U.S. Weather Bureau station in Thrall remains the national official 24-hour rainfall record. Thrall’s rainfall was 23.4 in (590 mm) during 6 hours, 31.8 in (810 mm) during 12 hours, and 36.4 in (920 mm) during 18 hours. Eighty-seven people drowned in and near Taylor, and 93 in Williamson County. This storm caused the most deadly floods in Texas, with a total of 215 fatalities.
On May 27, 1997, Williamson County was hit by the worst tornado outbreak in county history. The 1997 Central Texas tornado outbreak caused 20 tornadoes including an F-5 (the strongest rating used for tornadoes on the Fujita scale), which remains the only F-5 to strike Williamson County. The F-5 tornado killed 27 people and completely destroyed the Double Creek Estates neighborhood in the city of Jarrell, Texas, located in far northern Williamson County. Another strong tornado, an F-3, struck Cedar Park, killing one person. Two F-2 tornadoes also struck Williamson County. The outbreak cost the county over $190 million in damages and a total of 30 fatalities.
Williamson County’s fast growth rate is due in large part to its location immediately north of Austin coupled with Austin’s rapid expansion northward; Austin’s city limits cross into Williamson County. Most of the growth has been residential, but large employers, such as Dell’s international headquarters, have also changed Williamson County from a bedroom community into a community where citizens can live and work in the same general vicinity. This has transformed the county over recent years into a dynamic, self-sustaining community with less dependency on Austin. Major retail and commercial developments began appearing from 1999 to present, including the Rivery in Georgetown, and the Premium Outlet Mall, the IKEA-area retail, and the La Frontera mixed-use center in Round Rock. Health care and higher education have also become major factors in the county’s growth. Two new colleges and two new hospitals have opened since 2015. Another significant factor has been the opening of the North Loop 1 and Texas State Highway 45 toll roads, which have made Williamson County more accessible to Austin.
According to the U.S. Census Bureau, the county has an area of 1,134 sq mi (2,940 km), of which 1,118 square miles (2,900 km2) is land and 16 square miles (41 km) (1.4%) water.
The area is divided into two regions by the Balcones Escarpment, which runs through the center from north to south along a line from Jarrell to Georgetown to Round Rock. The county’s western half is an extension of the Western Plains and considered to be within the eastern fringes of Texas Hill Country; it has an average elevation of 850 ft (260 m). It features undulating, hilly brushland with an abundance of Texas live oak, prickly pear cactus, and karst. The county’s eastern half is part of the Coastal Plains and is flat to gently rolling with an average elevation of 600 ft (180 m). It has dark clay and rich, fertile soils for agriculture, but is quickly being developed as the county’s population continues to increase and expand out. Williamson County is drained in the center and south by the San Gabriel River, the county’s only river, and in the north by creeks that run into the Lampasas and Little Rivers north of the county line.
Williamson County’s eastern portion lies within the low-lying prairie areas east of the Balcones Escarpment (also known as the Balcones Fault, though it is not an active fault). It begins a piedmont, a foot-friendly fall line of slightly sloping land downward to the coastal area, an area of the Blackland Prairie consisting of rich, fertile, clay-containing soils, where the land is still used for agriculture, growing cotton and other crops and raising cattle. These prairie lands essentially run from Williamson County to the Gulf Coast, and have a rich heritage of being farmed by German, Polish, and other settlers.
West of the escarpment is the beginning of the “upland” Texas Hill Country, characterized by rocky terrain with thin layers of soil on top of limestone. Some ranching occurs in the uplands, but mostly it has been the target of residential development because of the rolling terrain, vistas, hardwood trees, abundant wildlife, and rivers and streams (the same reason early Indians camped in the area). The Hill Country areas are characterized by their porous “vugular” (honeycombed) rock, where rainwater percolates down to replenish the Edwards Aquifer. For that reason, development restrictions are in place and several endangered species are protected by the US Fish and Wildlife Service (USFWS).Interstate 35, the county’s main artery, runs along the fault line dividing the two distinct regions.
Balcones Canyonlands National Wildlife Refuge is in the Texas Hill Country northwest of Austin, including parts of western Williamson County. The refuge was formed in 1992 to conserve habitat for two endangered songbirds, the golden-cheeked warbler and the black-capped vireo, and to preserve Texas Hill Country habitat for other wildlife species. The refuge augments a similarly named preserve in Austin, the Balcones Canyonlands Preserve. The vegetation found in the Hill Country includes various oaks, elms, and Ashe juniper trees (often called “cedar” in Texas). The golden-cheeked warbler and black-capped vireo depend on different successional stages of this vegetation, and both nest in the Edwards Plateau, the warbler exclusively. Some protected areas are open to visitors, such as the Berry Springs Park.
Williamson County is home to five endangered species. Two are songbirds protected by the Balcones Canyonlands Preserve in Travis and Williamson Counties. The other three are invertebrate species found only in Williamson County, which live in the cavelike fissures on the west side of the county. Karst topography is the name for the honeycomb-type limestone formations (including caves, sinkholes, and fissures) typical of the county’s limestone geology west of Interstate 35. In the 1990s, a group of concerned landowners, individuals, and real-estate developers formed the Northern Edwards Aquifer Resource Council with the goal of obtaining a USFWS 10-A permit (known as an incidental take permit) for the county by identifying and preserving sufficiently many caves with endangered species to ensure survival of the species. These species would be preserved through voluntary donations of land rather than required setbacks, grants, and other involuntary means typically enforced on landowners without an incidental take permit. The group transferred its successful work on an environmental impact statement to the county in 2002 and a county-wide 10-A permit was obtained in October 2008. Property owners are able to participate in the county’s 10-A permit by applying through the WCCF.
Note: the US Census treats Hispanic/Latino as an ethnic category. This table excludes Latinos from the racial categories and assigns them to a separate category. Hispanics/Latinos can be of any race.
As of the census of 2010, 422,679 people, 152,606 households, and 111,514 families resided in the county. The population density was 373 people per square mile (144 people/km2). The 162,773 housing units averaged 144 units per square mile (56 units/km). The racial makeup of the county was 80.9% White, 7.1% African American, 1.3% Native American, 5.8% Asian, 0.3% Pacific Islander, 6.9% from other races, and 3.2% from two or more races. About 23.2% of the population was Hispanic or Latino of any race.
Of the 111,514 households, 39.1% had children under the age of 18 living with them, 57.9% were married couples living together, 10.8% had a female householder with no husband present, and 26.9% were not families. Around 21.2% of all households were made up of individuals, and 17.4% had someone living alone who was 65 years of age or older. The average household size was 2.74 and the average family size was 3.20.
In the county, the age distribution was 28.7% under 18, 11.9% from 15 to 24, 31.6% from 25 to 44, 23.2% from 45 to 64, and 8.9% who were 65 or older. The median age was 34 years.
The median income for a household in the county was $60,642, and for a family was $66,208. Males had a median income of $43,471 versus $30,558 for females. The per capita income for the county was $24,547. About 3.40% of families and 4.80% of the population were below the poverty line, including 5.40% of those under age 18 and 5.90% of those age 65 or over.
The Commissioners Court is the overall governing and management body of Williamson County, and is responsible for all budgetary decisions in addition to setting the tax rate each year. Among its duties is the administration of all county business, including the building and maintenance of county roads and bridges. Commissioners’ courts are governing bodies of county government in several US states, including Texas. The principal functions of the commissioners’ court are legislative and executive. Although called courts, commissioners’ courts generally exercise only limited judicial powers.
The commissioners’ court consists of five members. The county judge presides as chairman, and is elected every four years by voters countywide. Four commissioners are elected by single-member precincts every four years.
In recent decades, Williamson County has been a strongly Republican county. Before the 2018 elections, every federal and state elected official from the county was a Republican. Williamson County is in Texas’s 31st U.S. Congressional District, which is represented by John Carter (R). It is in Texas Senate District 5, and is represented by State Senator Charles Schwertner (R). Williamson County includes three Texas House of Representatives Districts: 20, 52, and 136. District 20 is represented by Republican Terry Wilson, 52 by Caroline Harris, and 136 by Democrat John Bucy III.
Williamson County was once a solidly Democratic county. In 1976, it voted for President Jimmy Carter by a higher percentage (55%) than did voters in Travis County (52%). In 1980, however, the county swung dramatically to support Ronald Reagan, giving him 56% of the vote, almost equal to Carter’s 1976 total. In subsequent years, the county became increasingly Republican, following a pattern similar to those of other suburban Texas counties. In 2004, President George W. Bush won 68% of the vote in Williamson County. John McCain received 55% of the vote to Barack Obama’s 42% in the 2008 election. In 2012, Republican Mitt Romney defeated Obama, 59% to 38%. In 2016, Donald Trump beat Hillary Clinton, 51%-41%. However, the county narrowly swung Democratic in 2020, with Joe Biden winning a plurality over Trump, 49% to 48%.
In recent years, Williamson County has again leaned toward the Democratic Party, with Beto O’Rourke edging out Ted Cruz in the 2018 U.S. Senate race, and James Talarico and John Bucy III both defeating Republican incumbents to win election to the State House of Representatives in districts mostly in Williamson County. However, in the same 2020 election, county voters reelected Republican John Cornyn to the U.S. Senate as well as Republican John Carter to the U.S. House of Representatives. Republican governor Greg Abbott won the county in 2022 by only one point, further showing that county has moved away from being safely Republican and become a competitive battleground.
Election turnout reflects the county’s tremendous growth. In 1960, only 7,870 votes were cast, compared to 289,555 in 2020.
One of the most significant growth factors of modern Williamson County is the location of a new Sun City community in Georgetown. Opened in June 1995, and originally named “Sun City Georgetown”, Sun City Texas is a 5,300-acre (21-km) age-restricted community about 10 mi (16 km) west of IH-35 on Andice Road (RR 2338). It is part of the chain of Sun City communities started by Del E. Webb Construction Company (now a division of PulteGroup). Residency is restricted to persons over age 55 (at least one person in a couple has to be 55 or older) and the community is generally oriented toward retirees.
As originally planned, the project would double the size of Georgetown’s population. Sun City Texas is made up mostly of single-family dwellings, but also has duplexes. The Sun City project includes three golf courses (Legacy Hills, White Wing, and Cowan Creek). Although the community attracts residents from all over, most come from within Texas to stay close to their original homes. Vocal opposition to the project has occurred, especially at the start during the zoning process, with arguments against the size of the community, its effect on Georgetown as a family-oriented town, concerns about the costs of providing city utilities, concern about lowered city and Williamson County property taxes, which are fixed for retirees under Texas law, and the disproportionate effect of city voting.
By and large, though, the community has been welcomed and accepted by the Georgetown populace. In the 2008 city elections, for example, two residents of Sun City were the only candidates for mayor of Georgetown. They also were both formerly elected city council members.
Williamson County was an agrarian community for most of the 19th and early 20th centuries. Cotton was the dominant crop in the area between the 1880s and the 1920s, and Williamson County was the top producer of cotton in Texas. Primarily to transport bales of cotton, the county was served by two national railroads, the International-Great Northern Railroad, which eventually merged into the Missouri Pacific, and the Missouri–Kansas–Texas Railroad. The town of Taylor in eastern Williamson County became the primary center for cotton production, cotton ginning, and compressing cotton into bales to transport by rail.
Other agriculture activities, farming, and dairying were also a part of rural Williamson County east of the Balcones Fault, and ranching occurred to the west in the Hill Country area. Both gradually gave way to more modern business, services, and retail as the area became more urban, but cattle ranching is still a major business in some areas of the county, and cotton is still a significant crop eastward toward Hutto and Taylor.
Williamson County’s largest employer was once Dell Computer in Round Rock, employing roughly 16,000 employees. Retail and health care, including St. David’s Hospital, Scott & White, Seton Medical Center Williamson hospital (a level II certified trauma center), and the A&M Health Science Center are among the area’s largest employers. Other than Dell, retail is the second-most significant business group in the county. The new IKEA store and Premium Outlet Mall in Round Rock, as well as those in the La Frontera mixed-use project in Round Rock are significant to the county. Wolf Ranch and The Rivery are also major retail centers in Georgetown. In addition, higher education has a large positive effect on the county with the opening of the Texas State University Campus in Round Rock and the Austin Community College campus. The Round Rock campus is the single largest campus in the ACC system, providing two-year degrees and training in the high-tech sector, nursing, and other specialties.[citation needed]
The current courthouse, built in 1911, is an example of Neoclassical Revival architecture. The courthouse has had a tumultuous past, surviving three major renovations and many modifications, including the demolition of its key architectural features in 1966. With the assistance of the Texas Historical Commission and preservation-minded county citizens and officials, the courthouse was returned to its original 1911 state during a major 2006–2007 renovation, once again becoming a focal point of the county.
The stars on the flag surrounding the state of Texas represent the 33 viable communities identified by Clara Stearns Scarbrough in her 1973 book, Land of Good Water. In 1970, these communities ranged in population from 20 people in Norman’s Crossing to more than 10,000 residents in Taylor. Establishing how many communities exist in Williamson County today is difficult, because the determination of “community” is subjective and without set criteria. However, in Williamson County in 2004, 11 towns had populations over 1,000 people, and seven towns had populations above 5,000.[citation needed]
These school districts serve Williamson County:
Austin Community College is the designated community college for most portions of the county.
Areas in Granger, Hutto, Taylor, and Thrall ISDs are within Temple Junior College District. Areas in Florence ISD are within Central Texas College District. Areas in Lexington ISD are within Blinn Junior College District.
The newspapers that serve Williamson County include the Round Rock Leader, Williamson County Sun (Georgetown), Taylor Press, Hutto News, Hill Country News (Leander), Liberty Hill Independent, and Tribune-Progress (Bartlett). In 2005 Community Impact Newspaper was founded. The Austin American-Statesman also has significant coverage in Williamson County.
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