Insurance Requirements for Owner Operators Grand Prairie, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Grand Prairie, 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 Grand Prairie, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Grand Prairie, 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.
Grand Prairie is a city in Dallas, Tarrant, and Ellis counties of Texas, in the United States. It is part of the Mid-Cities region in the Dallas–Fort Worth metroplex. It had a population of 175,396 according to the 2010 census, making it the fifteenth most populous city in the state. Remaining the 15th-most populous city in Texas, the 2020 census reported a population of 196,100.
The city of Grand Prairie was first established as Dechman by Alexander McRae Dechman in 1863. He based the name of the town on Big Prairie, Ohio. Prior to then, he resided in Young County near Fort Belknap. The 1860 U.S. Federal Census—Slave Schedules shows an A McR Dechman as having 4 slaves, ages 50, 25, 37 and 10. Dechman learned that he could trade his oxen and wagons for land in Dallas County. In 1863, Dechman bought 239.5 acres (96.9 ha) of land on the eastern side of the Trinity River and 100 acres (40 ha) of timber land on the west side of the river for a broken-down wagon, oxen team and US$200 in Confederate money. He tried to establish a home on the property, but ran into difficulties, so he returned to his family in Birdville before joining in the Civil War. In 1867 he filed a town plat with Dallas County, consisting of 50 acres (20 ha).
After the war, he returned to Birdville for two years before selling that farm in 1867 and moving to Houston, where yellow fever broke out, causing the family to settle in Bryan. In 1876, Dechman traded half his “prairie” property to the T&P Railroad to ensure the railroad came through the town. The railroad named the depot “Dechman”, prompting its namesake to relocate his home from Bryan to Dechman. His son Alexander had been living in Dechman and operating a trading post and farm. The first church in the area was the Good Hope Cumberland Sabbath School, established in 1870 by Rev. Andrew Hayter. The church was later renamed West Fork United Presbyterian Church and remains an active church.
The first U.S. post office opened in 1877 under the name “Deckman” rather than “Dechman”, because the U.S. Postal Service couldn’t read the writing on the form completed to open the post office. Later that same year, after the Postal Service had adopted the “Deckman” name, confusion resulted from the T&P Railroad designation “Grand Prairie”. This name was based on maps drawn from around 1850 through 1858 that labeled the area between Dallas and Fort Worth “the grand prairie of Texas”. In order to alleviate the confusion, the Postal Service named the post office “Grand Prairie”.
The town of Grand Prairie was eventually incorporated as a city in 1909. During World War I and since, Grand Prairie has had a long history with the defense and aviation industry. While the present-day Vought plant on Jefferson Avenue is part of a small strip within the Dallas city limits, it was originally in Grand Prairie. During World War II the North American Aviation Plant B produced the Consolidated B-24 Liberator and the P-51C and K Mustang variants. After the war, Vought Aircraft took over the plant. This later became Ling Temco Vought (LTV) and then eventually returned to the Vought moniker. The plant was the production site for the F-8 Crusader and the A-7 Corsair II aircraft of the 1950–1989 time period. The LTV Missile and Space division produced missiles such as the Scout and MLRS. This division was eventually sold to Lockheed Martin, which continues to operate in Grand Prairie. Grand Prairie was also the North American headquarters for Aérospatiale Helicopter. This company eventually became Airbus Helicopters, Inc., the U.S. subsidiary of Airbus Helicopters.
In 1953, the mayor and city council of Grand Prairie attempted to annex nearly 70 square miles (180 km) of then-unincorporated and largely undeveloped land in southern Dallas and Tarrant counties. Vehement debate ensued, and the legal pressure from cities like Arlington, Duncanville and Irving wound up overturning part of the annexation attempt.
Grand Prairie is located along the border between Tarrant and Dallas counties, with a small portion extending south into Ellis County. The city is bordered by Dallas to the east, Cedar Hill and Midlothian to the southeast, Mansfield to the southwest, Arlington to the west, Fort Worth to the northwest, and Irving to the north.
According to the United States Census Bureau, the city has a total area of 81.1 square miles (210.0 km), of which 72.1 square miles (186.8 km) is land and 9.0 square miles (23.3 km), or 11.08%, is water.
The West Fork of the Trinity River and a major tributary, Johnson Creek, flow through Grand Prairie.
Grand Prairie has a long history of flooding from Johnson Creek. In the 1980s, a major Army Corps of Engineers project was begun to straighten the channel, which has reduced the damage of flooding.
Grand Prairie is part of the humid subtropical region.
As of the 2020 United States census, there were 196,100 people, 62,679 households, and 46,391 families residing in the city.
According to the city’s 2007–2008 Comprehensive Annual Financial Report, the city’s various funds had $275.5 million in revenues, $236.4 million in expenditures, $1,003.2 million in total assets, $424.9 million in total liabilities, and $305.9 million in cash and investments.
The Parkland Health & Hospital System (Dallas County Hospital District) operates the E. Carlyle Smith, Jr. Health Center in Grand Prairie.
Grand Prairie as of 2012 has 320 municipal police officers.
The city of Grand Prairie 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 Bureau of Prisons (BOP), of the U.S. Department of Justice runs the Grand Prairie Office Complex on the grounds of the Grand Prairie Armed Forces Reserve Complex. Within the complex the BOP operates the Designation and Sentence Computation Center (DSCC), which calculates federal sentences, keeps track of the statutory “good time” accumulated by inmates and lump sum extra “good time” awards, and detainers. The BOP South Central Office is also on the armed forces complex grounds.
According to the city’s 2018 Comprehensive Annual Financial Report, the top employers in the city were:
Airbus Helicopters, Inc., the U.S. subsidiary of Airbus Helicopters, has its headquarters in Grand Prairie.
In 1978 American Airlines announced that it would move its headquarters from New York City to the Dallas/Fort Worth area. The airline moved its headquarters into two leased office buildings in Grand Prairie. The airline finished moving into its Fort Worth headquarters facility on January 17, 1983, when the airline left its Grand Prairie facility.
Most of Grand Prairie’s K–12 student population attends schools in the Grand Prairie Independent School District, which serves areas of Grand Prairie in Dallas County. The Mansfield Independent School District serves areas of Grand Prairie in Tarrant County and operates six elementary schools within the Grand Prairie city limits. Other portions of Grand Prairie reside within the Arlington, Cedar Hill, Irving, Mansfield, and Midlothian school districts.
In Texas, school district boundaries do not follow city and county boundaries because all aspects of the school district government apparatus, including school district boundaries, are separated from the city and county government entirely, with the exception of the Stafford Municipal School District in the Houston area.
The Arlington ISD has the second highest portion of Grand Prairie’s K–12 student population. Six Arlington ISD elementary schools are within the city limits of Grand Prairie. Grand Prairie residents in the Arlington ISD are located generally west of the Dallas-Tarrant County boundary and north of the intersection of Camp Wisdom and Lake Ridge in southwest Grand Prairie. One of the Arlington high schools, James Bowie High, has more Grand Prairie residents than Arlington residents that are students at the school.
Grand Prairie student/residents in the Arlington ISD attend Bowie, Sam Houston, or Lamar High School in the Arlington ISD and their feeder elementary schools and junior high schools.
The Mansfield ISD contains the third highest portion of the Grand Prairie’s K–12 student population. Grand Prairie residents in the Mansfield ISD are located generally south of the intersection of Camp Wisdom and Lake Ridge, and west of Joe Pool Lake to the Tarrant and Ellis County line in southwest Grand Prairie. Three Mansfield ISD schools, Anna May Daulton Elementary; Louise Cabaniss Elementary; and Cora Spencer Elementary, are currently open within the city limits of Grand Prairie. The Mansfield ISD is the fastest growing ISD in Tarrant County, and the population growth in far southwest Grand Prairie is a major factor in the Mansfield ISD’s subsequent growth.
Grand Prairie students/residents in the Mansfield ISD attend Mansfield Timberview High School, Lake Ridge High School or Mansfield High School in the Mansfield ISD or their feeder elementaries and middle schools. Timberview High School is located on State Highway 360 less than 100 yards (91 m) from the Grand Prairie city line.
Dallas County residents are zoned to Dallas College (formerly Dallas County Community College District or DCCCD). Tarrant County residents are zoned to Tarrant County Junior College. Ellis County residents are zoned to Navarro College.
Interstate highways 20 and 30 run east–west through the northern and southern parts of the city. Texas State Highways Spur 303 (named Pioneer Parkway) and 180 (Main Street) also run east–west in the northern and central portions of the city.
SH 360 runs for almost three miles in the northwestern portion of city; most of the highway runs just west of the city limits in Arlington.
SH 161, named the President George Bush Turnpike, runs north–south through western Grand Prairie. The main lanes were opened in late 2012 with frontage roads open since 2010. Portions of the highway located north of SH 180 are depressed while the portion south of SH 180 runs at-grade then becomes elevated. Frontage roads remain at-grade throughout. The frontage road intersection at Main Street will open sometime in 2013.
Belt Line Road is a major north–south thoroughfare in the city. The section of the road south of Main Street is dual-labelled as FM 1382, which travels south, past I-20 and continues south to Cedar Hill. The section of the road north of Main Street keeps its name, continuing north into Irving.
The city declined membership in 1984. In April 2022, Grand Prairie launched “Via Grand Prairie”, an “on-demand, shared public transportation” which connects to DART’s West Irving station.
In the era of private operation of passenger trains prior to the onset of the Amtrak era in 1971, Texas and Pacific Railway trains such as the Texas Eagle and the Louisiana Eagle made stops in Grand Prairie, on trips between Fort Worth and Dallas. Amtrak’s Texas Eagle (Chicago-San Antonio) makes stops at Dallas Union Station 12 miles to the east.
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.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
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.
