Insurance Requirements for Owner Operators Cleburne, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Cleburne, 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 Cleburne, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Cleburne, 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.
Cleburne ( KLEE-burn) is a city in and the county seat of Johnson County, Texas, United States. As of the 2020 census, its population was 31,352. The city is named in honor of Patrick Cleburne, a Confederate general. Lake Pat Cleburne, the reservoir that provides water to the city and surrounding area, is also named after him.
Cleburne is Johnson County’s third county seat (the first being Wardville, now under Lake Pat Cleburne). It was formerly known as Camp Henderson, a temporary Civil War outpost from which Johnson County soldiers would depart for war (most of them served under General Cleburne). The city was formally incorporated in 1871.
Cleburne was near the earliest road in the county. The location featured water from West Buffalo Creek, making it a stop for cattlemen from the Chisholm Trail.
In August 1886, the Texas Farmers’ Alliance met at Lee’s Academy and adopted a 17-point political resolution, commonly known as the Cleburne Demands, which was the first major document of the agrarian revolt occurring at the end of the late 19th century.
In 1900, Cleburne was the site of the founding convention of the Texas State Federation of Labor.
Cleburne was primarily an agricultural center and county seat until the Santa Fe Railroad opened a major facility there in 1898. During this time, the population boomed, as it became a sizable city for the area with over 12,000 residents by 1920. The Chicago, Texas and Mexican Central Railway connected Cleburne to Dallas in 1882. Two other railroads had terminals in Cleburne. The Dallas, Cleburne, and Southwestern Railway completed a route to Egan in 1902, and the Trinity and Brazos Valley, nicknamed the Boll Weevil, operated from Cleburne from 1904 to 1924.
Cleburne was the site of a prisoner-of-war camp for German soldiers during World War 2. The POWs worked as laborers on local farms.
In 1985, the city was the petitioner in the U.S. Supreme Court case City of Cleburne v. Cleburne Living Center, Inc. after being sued over a special-use permit.
Cleburne is on the fringe of the Dallas–Fort Worth metroplex. Growth in the area has been primarily attributed to suburbanization.
On May 15, 2013, Cleburne was hit by a powerful tornado that cut a mile-wide path through part of the city and damaged about 600 homes and two schools. The National Weather Service rated it EF-3, which has winds between 136 and 165 miles per hour (219 and 266 km/h). No deaths or severe injuries were reported.
Cleburne is west of the center of Johnson County, 30 miles (48 km) south of the center of Fort Worth. It is bordered to the north by Joshua and to the east by Keene. U.S. Route 67 runs through the north side of the city on a freeway bypass; the highway leads east 12 miles (19 km) to Alvarado and west 53 miles (85 km) to Stephenville. State Highways 171 and 174 run through the center of Cleburne on Main Street. Highway 171 leads northwest 19 miles (31 km) to Cresson and southeast 29 miles (47 km) to Hillsboro, while Highway 174 leads north 15 miles (24 km) to Burleson and southwest 38 miles (61 km) to Meridian.
According to the United States Census Bureau, Cleburne has a total area of 32.5 square miles (84.1 km), of which 29.6 square miles (76.6 km) are land and 2.9 square miles (7.4 km), or 8.86%, are covered by water. East and West Buffalo Creek run through the center of Cleburne, flowing south to the Nolan River and part of the Brazos River watershed.
As of the 2020 United States census, there were 31,352 people, 10,982 households, and 7,441 families residing in the city.
The City of Cleburne Parks and Recreation Department maintains Splash Station, a small water park for people of all ages.
The 96-acre (390,000 m) Cleburne Sports Complex contains seven baseball/softball fields, two football fields, and 20 soccer fields.
The Depot at Cleburne Station is a 1,750-seat baseball stadium, home to the Cleburne Railroaders of the American Association of Independent Professional Baseball.
Plaza Theatre Company is a 158-seat theatre-in-the-round, which operates year-round in Cleburne’s historic downtown. The troupe provides family-friendly musicals and comedies, and has been the recipient of numerous awards for theatrical excellence since opening in November 2006.
The Johnson County Chisholm Trail Museum is an outdoor museum located in the western part of Cleburne at the site of Wardville, the original county seat of Johnson County, established in 1854. The original courthouse there is the oldest log courthouse in Texas. It has a one-room schoolhouse, a jail with the original iron doors from the Wardville jail, a blacksmith shop, an original mule barn, and a restored stagecoach from two early John Wayne movies. There is also the Big Bear Native American Museum. It was recently named as one of Texas’ top 10 open-air museums.
Other local museums include the Cleburne Railroad Museum and the Layland Museum.
Cleburne State Park is in a hilly area 12 miles (19 km) west of the city center. It has fishing in Cedar Lake, camping, swimming, and hiking trails.
Major employers include Walmart, which maintains a Supercenter retail outlet and a distribution center. Together, those facilities employ 914 workers. The Cleburne Independent School District is a major employer with 968 employees. Local government is also a major employer, providing 348 jobs, and Johnson County has 598 employees in the city. Johns Manville, Texas Resources Harris Methodist Hospital, Greenbrier rail service (operating at the rail yards previously occupied by Burlington Northern Santa Fe), Supreme Corporation of Texas, and Broan-Nutone are among other major private-sector employers. A recent natural gas boom has now brought related companies to the district and surrounding areas.
Fun Town RV, the nation’s largest single-location towable RV dealer employs 412 at its corporate headquarters and sales office.
The city is served by the Cleburne Independent School District, with Cleburne High School as the only high school. The district also maintains an alternative school, the Team School, and Phoenix, which is the disciplinary school. The district operates two middle schools for grades 6 though 8: A.D. Wheat Middle School and Lowell Smith Middle School. Elementary-level schools serving the Cleburne area are Adams, Coleman, Cooke, Gerard, Irving, Marti. and Santa Fe (kindergarten through grade 5). A private school (Cleburne Christian Academy) serving age 4 through grade 12 is also available.
Hill College’s Johnson County Campus is in Cleburne.
Cleburne High School is in UIL district 8-5A. Cleburne’s most notable sports stadium, the Yellow Jacket Stadium is nicknamed “the Rock”. It is primarily made of stone and was constructed by the Public Works Administration workers in 1934. Football and soccer are played on this field.
