Insurance Requirements for Owner Operators Garland, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Garland, 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 Garland, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Garland, 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.
Garland is a city in the U.S. state of Texas. It is located northeast of Dallas and is a part of the Dallas–Fort Worth metroplex. It is located within Dallas County except for small portions located in Collin and Rockwall Counties. At the 2010 census, the city had a population of 226,876. In 2019, the population rose to 239,928, making it the 93rd-most populous city in the United States of America and the 12th-most populous city in Texas; by 2020, it had a population of 246,018. Garland is the third largest city in Dallas County by population and has access to downtown Dallas via public transportation including two Dart Blue Line stations and buses.
Immigrants began arriving in the Peters colony area around 1850, but a community was not created until 1874. Two communities sprang up in the area: Embree, named for physician K. H. Embree, and Duck Creek, named for the local creek of the same name. A rivalry between the two towns ensued as the area began to grow around the Santa Fe Railroad depot.
Eventually, to settle a dispute regarding which town should have the local post office, Dallas County Judge Thomas A. Nash asked visiting Congressman Joe Abbott to move the post office between the two towns. The move was completed in 1887. The new location was named Garland after U.S. Attorney General Augustus Hill Garland.
Soon after, the towns of Embree and Duck Creek were combined, and the three areas combined to form the city of Garland, which was incorporated in 1891. By 1904, the town had a population of 819 people.
In 1920, local businessmen financed a new electrical generator plant (sold by Fairbanks-Morse) for the town. This later led to the formation of Garland Power and Light, the municipal electric provider that still powers the city today.
On May 9, 1927, a devastating F4 tornado struck the town and killed 15 people, including the former mayor, S. E. Nicholson.
Businesses began to move back into the area in the late 1930s. The Craddock food company and later the Byer-Rolnick hat factory (now owned by Resistol) moved into the area. In 1937, KRLD, a major Dallas radio station, built its radio antenna tower in Garland, and it is operational to this day.
During World War II, several aircraft plants were operated in the area, and the Kraft Foods company purchased a vacant one after the war for its own use. By 1950, the population of Garland exceeded 10,000 people. From 1950 to 1954, though, the Dallas/Garland area suffered from a serious and extended drought, so to supplement the water provided by wells, Garland began using the water from the nearby Lake Lavon.
The suburban population boom that the whole country experienced after World War II also reached Garland by 1960, when the population nearly quadrupled from the 1950 figure to about 38,500. By 1970, the population had doubled to about 81,500. By 1980, the population reached 138,850. Charles R. Matthews served as mayor in the 1980s; he was later a member of the elected Texas Railroad Commission.
In the 2000s, Garland added several notable developments, mostly in the northern portion of the city. Hawaiian Falls waterpark opened in 2003. (Garland formerly had a Wet ‘n Wild waterpark, which closed in 1993). The Garland Independent School District’s Curtis Culwell Center (formerly called the Special Events Center), an arena and conference facility, opened in 2005. Later that year, Firewheel Town Center, a Main Street-style outdoor mall, owned by Simon Property Group, opened in October 2005.
It has over 100 business and includes an AMC theater. In 2009, the city, in conjunction with developer Trammell Crow Company, finished a public/private partnership to develop the old parking lot (the land between 5th Street, 6th Street, and on the north side of Austin Street) into a new mixed-use, transit-oriented development named 5th Street Crossing. Cater-corner to both City Hall and the downtown DART Rail station, the project consists of 189 residential apartment units, 11,000 square feet (1,000 m) of flex retail, and six live-work units.
The southeast side of Garland suffered a major blow on the night of December 26, 2015, after a large EF4 tornado struck the area, moving north from Sunnyvale. At least eight fatalities were confirmed in the city from this event.
Garland is located at 32°54′26″N 96°38′7″W / 32.90722°N 96.63528°W (32.907325, –96.635197). According to the United States Census Bureau, the city has a total area of 57.1 sq mi (147.9 km), all land.
Garland is part of the humid subtropical region. The average warmest month is July, with the highest recorded temperature being 111 °F (44 °C) in 2000. Typically, the coolest month is January, when the lowest recorded temperature was −3 °F (−19 °C) in 1989. The maximum average precipitation occurs in May.
According to the 2020 United States census, there were 246,018 people, 75,886 households, and 56,868 families residing in the city, up from 226,876 people, 75,696 households, and 56,272 families residing in the city at the 2010 census. The population density was 3,973.3 people/sq mi (1,534.1/km). The 80,834 housing units averaged 1,415.7/sq mi (546.5/km). The 2019 census estimates placed the population at 239,928.
Of the 75,696 households in 2010, 36.9% had children under 18 living with them, 52.0% were married couples living together, 16.1% had a female householder with no husband present, and 25.7% were not families. About 20.8% of all households were made up of individuals, and 6.5% had someone living alone who was 65 or older. The average household size was 2.99, and the average family size was 3.48.
At the 2018 American Community Survey, 25.9% of households had children under the age of 18 living with them and the median age was 34.1 Of the adult population, 48.1% were male and 51.9% were female. The average household size was 3.25 and the average family size was 3.71. Roughly 0.3% of households in Garland were same-sex, unmarried-partner households and 5.3% opposite-sex, unmarried-partner households.
According to the U.S. Census Bureau’s 2007–2011 American Community Survey, the median income for a household in the city was $52,441, and for a family was $57,293. Males had a median income of $36,041 versus $33,950 for females. The per capita income for the city was $20,000. About 11.1% of families and 14.5% of the population were below the poverty line, including 21.7% of those under age 18 and 7.3% of those age 65 or over. The median income for a household in Garland as of 2018 was $60,374. In 2018, an estimated 242,402 people, 74,489 households, and 77,626 housing units were in the city.
In the city, the population was distributed as 28.5% under the age of 18, 9.6% from 18 to 24, 28.0% from 25 to 44, 24.7% from 45 to 64, and 9.2% who were 65 years of age or older at the 2010 United States census. The median age was 33.7 years. For every 100 females, there were 96.1 males. For every 100 females age 18 and over, there were 92.6 males.
The racial and ethnic makeup of the city was 57.5% White, 14.5% African American, 0.8% Native American, 9.4% Asian, 0.04% Pacific Islander, 14.4% some other race, and 3.3% from two or more races in 2010. Hispanics or Latinos of any race were 37.8% of the population. Non-Hispanic whites were 36.7% of the population, down from 86.5% in 1980. Following continued trends of diversification, the racial and ethnic makeup at 2018’s census estimates were 27% non-Hispanic White, 14% African American, 0.7% American Indian or Alaska Native, 12.4% Asian, 0.5% some other race, 1.7% two or more races, and 43.2% Hispanic or Latino American of any race. Within the local Hispanic or Latino demographic, the largest nationality were Mexican Americans (34.2%). Puerto Ricans made up the second largest single Latin group (0.5%) followed by 42 Cuban Americans and 8.5% other Hispanic and Latino Americans. In 2020, the composition of the city was 27.31% non-Hispanic white, 14.77% Black or African American, 0.25% Native American, 11.88% Asian, 0.03% Pacific Islander, 0.38% some other race, 2.72% multiracial, and 42.66% Hispanic or Latino of any race.
As of 2000, 12% of the foreign-born population of Garland originated from Vietnam. Two strip-style shopping malls along Walnut Street cater to Vietnamese people, and a community center as of 2009 hosts first-generation Vietnamese immigrants. According to the 2010 U.S. census, Garland has the 16th-largest number of Vietnamese Americans in the United States.
The majority of Garland’s local population are affiliated with a religion, being part of the largest Christian-dominated metropolitan area in the United States. As of 2020, the Catholic Church is the largest single Christian denomination in the city and wider Dallas–Fort Worth–Arlington metropolitan statistical area. Garland’s Catholic population is served by the Roman Catholic Diocese of Dallas, one of the largest jurisdictions of the Catholic Church in the United States.
Following, Baptists were the second-largest Christian denomination, and the largest Protestant group in the city limits. Baptists are traditionally divided among the Southern Baptist Convention, National Baptists (USA and America) and Texas Baptists. The third largest Christian denomination in the city of Garland are Methodists. Other prominent Christian denominations were the Church of Jesus Christ of Latter-Day Saints, Pentecostalism, Lutheranism, Presbyterianism, and Episcopalianism. An estimated 12.2% of the total religious population professed another Christian faith. The largest non-Christian religion according to Sperling’s BestPlaces was Islam, followed by Judaism and the eastern religions including Buddhism, Sikhism, and Hinduism.
In 1997, the Taiwanese UFO religion Chen Tao moved many of its members to Garland, where they believed the Second Coming of Jesus Christ would occur.
In the late 1930s, the Craddock food company, which manufactured pickles, moved to town. In 1937, the KRLD (Dallas) radio tower was constructed in Garland. During World War II, several aircraft plants operated in the Garland area. After the war, Kraft Foods bought the Continental Motors Plant to retool for its manufacture. The Kraft plant still operates to this day. As a station on two railroads, Garland was a major onion-shipping point in the 1940s.
Resistol Hats in Garland is a notable manufacturer of premium hats, many of which have been worn by or given to notable figures around the world. The company has long been an important part of Garland’s manufacturing base. The company was founded by E.R. Byer and Harry Rolnick, who established Byer-Rolnick in Dallas in 1927. At the time, the company produced men’s felt hats. The company used the name “Resistol Hats” to indicate that the hats could “resist-all” weather conditions. Some accounts contend the name was given because the headbands in the company’s hats were more resistant to scalp oil. The growing firm needed to expand. In 1938, it moved to a larger facility in Garland, where Resistol hats continue to be manufactured today. For decades, residents surrounding the hat factory could set their clocks to its whistle.
In the early 1980s, Garland had one of the lowest poverty rates of cities in the country. In 1990, it had a population of 180,650 and 2,227 businesses, making it Dallas County’s second-largest city and the 10th-largest in the state. Today, Garland had a variety of industries, including electronics, steel fabrication, oilfield equipment, aluminum die casting, hat manufacture, dairy products, and food processors.
According to the City of Garland’s Economic Development Partnership website, the top employers in the city are:
Garland has lost many of their major employers over the last few years. Raytheon moved to Richardson, Baylor Scott and White closed (but later opened as a VA hospital), L3 Technologies closed, as did many others.
Garland is home to numerous historic and recent entertainment venues.
The Granville Arts Center is a complex owned and operated by the city. Included within the complex are two elegant proscenium theatres which seat 720 and 200, respectively. Also included as part of the complex is the Plaza Theatre, which has seating for 350. The Plaza Theatre is a historic entertainment venue. The Plaza Theatre was refurbished and is utilized for business conferences, concerts, receptions, and stage productions. It is also host to paintings by artist Bruce Cody. The Atrium at the Granville Arts Center is a 6,500-square-foot (600 m) ballroom encased in glass on two sides and opening onto an elegant outdoor courtyard. The Atrium provides civic, community and commercial organizations the opportunity to house banquets, receptions, trade shows, and conventions.
Garland is home to the Pace House, which was the original home of John H. Pace and his wife; it was built in the Queen Anne-style architecture. The Pace House was recognized as a historic landmark by the Dallas County Historic Resource Survey of 1982.
Other historic areas of the city include the Garland Landmark Museum, housed in the former 1901 Santa Fe depot. Inside are historical artifacts and documents representing the period from 1850 to the present. Historic Downtown Garland is another local landmark. Historic Downtown Garland was listed in the National Register of Historic Places in 2017.
Travis College Hill Historic District, a residential neighborhood in downtown Garland, was the first site in Garland history to be added to the National Register of Historic Places, administered by the U.S. Department of the Interior through its National Park Service. Two months later, the downtown square and surrounding buildings became the second site in Garland added to the listing. Travis College Hill consists of 12 homes whose period of significance is 1913 to 1960. Travis College Hill was platted in January 1913 by developer R.O. Travis.
On May 9, 1927, a tornado destroyed much of the city and killed 17 people, including a former mayor, S. E. Nicholson. Six years later, the Nicholson Memorial Library opened in his honor.
The Nicholson Memorial Library System is also the Major Resource Center, or headquarters, of the Northeast Texas Library System (NETLS). NETLS serves a 33-county area that includes 105 member libraries. The Nicholson Memorial Library System headquarters and offices have been housed in NMLS’ Central Library since 1983.
Garland includes over 2,880 acres (1,170 ha) of park land, six recreation centers, and 63 parks.
The city of Garland is a voluntary member of the North Central Texas Council of Governments association, the purpose of which is to coordinate individual and collective local governments and facilitate regional solutions, eliminate unnecessary duplication, and enable joint decisions.
The Parkland Health & Hospital System (Dallas County Hospital District) operates the Garland Health Center.
The Texas Department of Public Safety operates the Region I office in Garland.
The Texas Department of Criminal Justice operates the Dallas II District Parole Offices in Garland.
The United States Postal Service operates the Garland, Kingsley, and North Garland post offices.
Most of Garland is in the Garland Independent School District (GISD). Parts of Garland extend into other districts, including the Dallas, Mesquite, and Richardson Independent School Districts.
The GISD does not have school zoning, so GISD residents may apply to any GISD school.
The GISD portion of Garland is served by several high schools. Garland High School is home to the district’s international baccalaureate program. North Garland High School is the math, science and technology magnet. Lakeview Centennial High School is GISD’s “College and Career” magnet school. South Garland High School is known within the community for its vocational cosmetology program. Other GISD high schools include Naaman Forest, Rowlett, and Sachse High Schools.
The Mesquite ISD portion of Garland is served by Price Elementary School, Vanston Middle School, and North Mesquite High School.
The Richardson ISD portion is served by Big Springs Elementary School, O. Henry Elementary School, Apollo Junior High School, and Berkner High School, which are in the western and northern portions of Garland.
As of November 2006, the GISD had 52,391 students and 3,236 teachers, for an average ratio of 16.2 students per teacher. The 2006 GISD property tax rate was $1.5449 per hundred dollars of assessed property value.
For a private Christian school option, hundreds of families have chosen for their children to attend Garland Christian Academy, which was founded in 1972. The city also has a Pre-K–12 Islamic school, Brighter Horizons Academy.
Dallas County residents are zoned to Dallas College (formerly Dallas County Community College or DCCCD). Richland College, a member of Dallas College, states, operates a Garland Campus which has been in operation since June 30, 2009.
Garland is also the home of Amberton University, a fully accredited private university with both undergraduate and graduate degree programs. Amberton University was formerly known as Amber University and previously known as Abilene Christian University at Dallas.
The city of Garland has a lower than average percentage of households without a car. In 2015, 4.6 percent of Garland households lacked a car, and that figure was virtually unchanged in 2016 (4.4 percent). The national average was 8.7 percent in 2016. Garland averaged 2.04 cars per household in 2016, compared to a national average of 1.8. According to the American Community Survey for 2016 (5-year average), 78.8 percent of Garland residents commuted by driving alone, 13.1 carpooled, 2.5 used public transportation, and .9 percent walked. About 1.3 percent of Garland residents commuted to work by bicycle, taxi, motorcycle, or some other means, while 3.5 percent worked out of the home.
A Kansas City Southern track runs parallel to State Highway 78 (Garland Road and Lavon Drive), coming out of Dallas and heading all the way through the other side of Garland towards Wylie. There is also a Dallas, Garland and Northeastern Railroad line serving industries around the city.
The city of Garland owns the Garland/DFW Heloplex. The facility was the first municipal heliport in Texas when it opened in November 1989. Located at 2559 S. Jupiter Road, the heliport is operated by SKY Helicopters Inc., which was initially awarded a lease of the facility in January 1993.
The city of Garland operates the city’s water system and waste services. Electricity for about 85% of Garland is provided by the city’s municipal utility, Garland Power and Light (GP&L). Electricity for the other 15% was formerly provided by TXU, but is now supplied by multiple companies after deregulation of the Texas electricity market.
Garland is an original member city of the North Texas Municipal Water District (NTMWD). The vision of the city fathers in the early 1940s resulted in Garland and its companion member cities benefitting from reliable, high quality, affordable water from the water district’s many reservoirs.
The effluent from Garland’s wastewater treatment plant flows through a NTMWD man-made, 1,840-acre (7.4 km) wetland. This provides a natural habitat for a wide variety of birds and reduces the sediment, nitrogen, and phosphorus contents of the water to a drinkable level. Through the use of selected aquatic plants, this environmentally friendly project will provide millions of gallons of reusable water and reduce the environmental impact.
GP&L was founded in 1923 to provide Garland residents not-for-profit public utility services, locally controlled by its citizens. GP&L provides services to over 69,000 customers, making it the fourth-largest municipal utility in Texas and the 41st-largest in the nation.
It has two gas-fired generating plants, which combined have 640 megawatts of generation capacity. In addition, Garland partners with the Texas Municipal Power Agency, which operates the 462-megawatt coal-fired Gibbons Creek Power Plant. Garland’s electric distribution system has 1,007 mi (1,621 km) of overhead lines and 1,000 mi (1,600 km) of underground lines. Its transmission system consists of 23 substations and 133 mi (214 km) of transmission lines. Garland’s peak load for 2007 was 483 megawatts, with annual operating revenues of nearly $238 million.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
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UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.