Insurance Requirements for Owner Operators Keller, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Keller, 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 Keller, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Keller, 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.
Keller is a city in Tarrant County, Texas, United States, in the Dallas–Fort Worth metroplex. According to the 2020 census, the city’s population is 45,776, making Keller the 80th most populated city in Texas. The most recent population estimate, as of July 1, 2021, is 45,397.
In the early 1850s, settlers established Keller and the town became a stop on the Texas and Pacific Railway. The settlers settled around the wooded region in Keller because of Keller’s proximity to the Trinity River water supply and abundant farmland. On November 16, 1955, Keller became incorporated.
Keller is mostly residential, featuring more than 300 acres (120 ha) of developed land for 11 park sites and more than 26 miles of hiking and biking trails. The city prides itself as “Texas’s Most Family Friendly City.”
Keller is in the western fringe of the Eastern Cross Timbers in northeast Tarrant County, part of the frontier of the Peters Colony settlers of the 1840s. In the mid-1840s, the area was first settled by a group of families from Missouri that homesteaded near the head-waters of Big Bear Creek. Mount Gilead Baptist Church was established on July 13, 1850. In 1859, the little log church was burned in an Indian raid. It served as the only schoolhouse in that part of the county until about 1910.
The area became known as ‘Double Springs’ for the two large springs approximately 1⁄2 mile north of Mt. Gilead Baptist Church. In the early 1870s, the Double Springs area had a cotton gin, a grist mill, a blacksmith shop and several stores. In 1896, an artesian well was drilled in Keller; the Double Springs filled with silt over time and eventually were plugged and lost until rediscovery in 1984. Today Samantha Springs produces more than 200,000 gallons of water per day.
The Texas and Pacific Railway between Fort Worth and Texarkana was completed in June 1881, and the first train ran on this track on May 9, 1881, which ran parallel with parts of the old Chisholm cattle drive trail. With the advent of rail service, new villages were established all along the line. The Keller of today was one of them. On July 19, 1881, H.W. Black, a druggist of Tarrant County, set aside 40 acres (0.16 km) out of the north end of the 62 acres (0.25 km) deeded to him by A.C. Roberts (being a part of the Samuel Needham Survey) for a town site to be known as Athol, situated 14 miles (23 km) northeast of Fort Worth. The land was dedicated to the public for streets and alleyways, but title to the remainder of the 62 acres (0.25 km) was held by Mr. Black. Settlers migrated to the new village, and before a year had passed the name of the town was changed from Athol to Keller, honoring John C. Keller, a foreman on the railroad. Streets were named and those in the original 40-acre (0.16 km) site still carry the names given to them in 1881. Streets going north and south are Lamar, Main and Elm; those running east and west are Price, Taylor, Hill, Vine, Bates, Olive and Pecan.
New residential development is gradually filling in open spaces, with neighboring towns affording no opportunity to expand its boundaries. The 1980 Census calculated Keller’s population at 4,555; today, nearly 45,000 residents call Keller home. City facilities include Keller Town Hall on Bear Creek Parkway, the Keller Public Library and Keller Senior Activities Center on Johnson Road, the Municipal Service Center on Bear Creek Pkwy. West, and the city’s recreation and aquatic center known as The Keller Pointe on Rufe Snow Drive. The city also recently renovated and expanded its police facility, which houses the Regional Jail, Regional Animal Adoption Center and regional 911 dispatch center, NETCOM, serving the cities of Keller, Colleyville, Southlake and Westlake.
The Keller Independent School District serves portions of the cities of Colleyville, Fort Worth, Haltom City, Hurst, North Richland Hills, Southlake, Watauga, and Westlake, as well as the entire city of Keller. Its 51 square miles (130 km) encompass the third-largest land area in Tarrant County. Enrollment in the school district has doubled during the past 10 years and is expected to do the same during the next decade, making it the ninth fastest-growing school district in Texas. The U.S. Census Bureau’s American Community Survey listed Keller as one of the “Nation’s Richest Cities” with a population over 20,000 in 2021, ranked number 45 with median household income of $141,364. Neighboring Southlake was ranked number 1.
Keller is located at 32°55′39″N 97°14′10″W / 32.92750°N 97.23611°W (32.927533, −97.235995). According to the United States Census Bureau, the city has a total area of 18.4 square miles (47.8 km). Keller is east of Interstate 35W, south of Highway 114 and Alliance Gate Freeway.
Here is the list of cities surrounding The City of Keller, whom which are located in either Denton or Tarrant County.
Fort Worth,
Southlake,
Roanoke
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Keller has a humid subtropical climate, abbreviated “Cfa” on climate maps.
As of the 2020 United States census, there were 45,776 people, 16,383 households, and 13,148 families residing in the city.
The City of Keller is a full-service city, providing police, fire and emergency services, parks and recreation, library, senior center, animal control, planning, building inspection, economic development, public works, street maintenance, water, wastewater, drainage, and solid waste disposal. Organized under the Council-Manager form of government, the Keller city council has seven representatives elected at-large and responsible for enacting local legislation, setting policies and adopting Keller’s annual operating budgets. Keller City Hall is located at 1100 Bear Creek Parkway in Keller Town Center. The current mayor of Keller is Armin Mizani, the city’s first mayor of Iranian and Cuban descent, and the city manager is Mark Hafner.
The Keller Police Department serves the City of Keller and the Town of Westlake. The police department shares a 9-1-1 dispatch center, regional jail, regional animal services and adoption center with neighboring cities of Southlake, Colleyville and Westlake. The Keller Police Department also provides all law enforcement services for the Town of Westlake. The department consists of a five service divisions: patrol, traffic, investigations, confinement and administrative.
Keller Fire Rescue maintains three fire stations throughout the city. Firefighters and paramedics provide full-time services for Keller residents and, through mutual aid, neighboring cities. The fire department, like the police department, participates in a shared communications network with Southlake, Colleyville and Westlake. (Unlike the police department, Keller Fire-Rescue does not serve Westlake as they maintain their own fire department.)
The City of Keller is a voluntary member of the North Central Texas Council of Governments association. The member’s purpose is to coordinate individual and collective local governments, assist regional solutions, eliminate unnecessary duplication, and enable joint decisions.
As a moderately wealthy suburb of Fort Worth, Keller has been and continues to be solidly Republican, on a state, local, and national level. However, like many of its surrounding cities, it shifted left between the 2016 and 2020 United States Presidential Election, though it did so by a smaller margin than many of the surrounding areas. The city remains politically uncompetetive, as of 2022.
During the 2021-2022 school year, the Keller Independent School District in Texas faced controversy over the inclusion of “Gender Queer,” a controversial graphic novel, in its high school libraries. Some parents and community members raised objections to the book’s depiction of gender identity and expression, leading to debates and protests. In response, the school board voted to remove the book from the curriculum.
The controversy also sparked discussions about censorship and academic freedom, and it led to a heightened interest in the school board elections that followed. Candidates with differing views on the issue ran for office, with those advocating for more parental involvement in curriculum decisions winning a majority of the seats.
Republican Representative Giovanni Capriglione of District 98 and Republican Senator Kelly Hancock of District 9 represents Keller citizens in the Texas House of Representatives and in the Texas State Senate.
Republican Senators John Cornyn and Ted Cruz represents Texas in the United States Senate. In the United States House of Representatives, Republican Representative Beth Van Duyne represents the 24th Congressional District of Texas.
The Keller Independent School District has 39 campuses serving more than 34,000 students. Students zoned to Keller ISD attend 23 different elementary schools, 12 different intermediate/middle schools, and 5 different high schools. Most of the schools within the district are located in northeast Fort Worth. This means Keller’s school district is substantially larger than the city itself.
One source of Keller’s bedroom-community serenity comes from having no contact with any interstate highways. U.S. Route 377, a north–south United States highway runs along Keller’s western border, parallel to Interstate 35W. Davis Boulevard (FM1938), a north–south Farm to Market Road from North Richland Hills to Southlake, runs through Keller. Keller Parkway (FM 1709) runs from Interstate 35W in Fort Worth, where it is named “Golden Triangle Boulevard,” to State Highway 114 (SH 114) in Southlake, where it is named “Southlake Boulevard.”
In September 2004, Verizon Communications, launched their FiOS fiber-optic communications network; 9,000 customers in Keller, Texas, were the very first in the nation. Verizon replaced copper wires with optical fibers, commencing service in 2005.
Keller consistently scores as a very safe city, in United States cities by crime rate (40,000–60,000) in Federal Bureau of Investigation Uniform Crime Reports statistics.
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.