Insurance Requirements for Owner Operators Kyle, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Kyle, 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 Kyle, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Kyle, 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.
Kyle is a city in Hays County, Texas, United States. Its population grew from 28,016 in 2010 to 45,697 in 2020, making it one of Texas’s fastest-growing cities.
Kyle is in eastern Hays County at 29°59′21″N 97°52′33″W / 29.989080°N 97.875947°W (29.989080, –97.875947). It is bordered to the south by San Marcos and to the northwest by Mountain City. Kyle is 21 mi (34 km) southwest of downtown Austin and 58 mi (93 km) northeast of San Antonio on Interstate 35.
According to the United States Census Bureau, the city has an area of 19.3 square miles (50.0 km), of which 19.1 sq mi (49.4 km) is land and 0.2 sq mi (0.5 km), 1.06%, is covered by water. The Blanco River runs through the western side of the city, while the central and eastern parts of the city drain east to Plum Creek. Both waterways are tributaries of the San Marcos River.
Kyle is served by the Hays Consolidated Independent School District, with high-school students attending either Jack C. Hays High School, Lehman High School or Johnson High School. Also near Kyle, the Hays campus of the Austin Community College District has been fully operational since 2014.
Austin–Bergstrom International Airport is 25 mi (40 km) northeast of Kyle, San Marcos Regional Airport is 10 mi (16 km) to the south, and San Antonio International Airport is 53 mi (85 km) to the southwest. Residents have access to I-35, SH 45 toll road, FM 150, FM 1626, SH 21, and SH 123. The MoPac rail line runs through downtown Kyle. The Amtrak passenger train has a stop 10 mi (16 km) south of Kyle in San Marcos.
The city of Kyle is governed by a council-manager form of government. The city council consists of three members representing geographical districts, three at-large council members, and the mayor, who is also elected at-large. Each council member is elected to three-year terms.
The Management and Training Corporation operates the Kyle Unit, a prison for men in Kyle, on behalf of the Texas Department of Criminal Justice. In 1988, the construction of Kyle Unit, the first private prison for the TDCJ, sparked controversy. The Kyle Unit became the second-largest employer in Kyle, after the Hays Consolidated Independent School District. In 1989, the prison had a $50,000 weekly payroll, with much of it going to the city’s residents.
The United States Postal Service operates the Kyle Post Office.
The town was established on July 24, 1880, when David E. Moore and Fergus Kyle (for whom the town was named) deeded 200 acres for a townsite to the International-Great Northern Railroad. The new town drew residents and businesses from Mountain City, three miles west, and Blanco, four miles west. Tom Martin operated the first business in Kyle. The community’s population exceeded 500 by 1882, but later declined. Kyle was incorporated in 1928 as a general-law city with a mayor and five council members. In 1937, Mary Kyle Hartson, daughter of Fergus Kyle, was elected mayor by a write-in vote. In the early 1940s, Kyle was noted as the only Texas town with an all-woman government.
From 1892 to 1901, Kyle was the childhood home of Pulitzer Prize-winning author Katherine Anne Porter. Many of her most famous short stories, such as “Noon Wine”, are set in locations in and around Kyle. Her former home is now a writer’s residence open to the public by appointment. The Katherine Anne Porter Literary Center hosts readings by visiting writers.
As of the 2020 United States census, there were 45,697 people, 14,701 households, and 10,370 families residing in the city.
Of the 14,701 households, 54.2% had children under the age of 18 living with them, 59.8% were married couples living together, 13.7% had a female householder with no husband present, and 21.2% were not families. About 14.5% of all households were made up of individuals, and 2.6% had someone living alone who was 65 years of age or older. The average household size was 3.15, and the average family size was 3.51; 391 persons in the city lived in group quarters rather than households.
In the city, the age distribution was 33.7% under 18, 7.4% were from 18 to 24, 37.1% from 25 to 44, 17.6% from 45 to 64, and 4.2% were 65 or older. The median age was 30.2 years. For every 100 females, there were 99.0 males. For every 100 females age 18 and over, there were 96.0 males.
For 2012–2016, the estimated median annual income for a household was $72,191, and for a family was $76,992. Male full-time workers had a median income of $50,235 versus $39,474 for females. The per capita income for the town was $25,348. About 6.8% of the population and 5.4% of families were below the poverty line; 7.3% of the population under the age of 18 and 7.7% of those 65 or older were living in poverty.
The Kyle Pie in the Sky Hot Air Balloon Festival has been an annual event in Kyle on Labor Day weekend since 2017 and attracts thousands of visitors from all over the state and outside of Texas. The event features morning hot air balloon “mass ascensions” where balloons take off at sunrise flying over Kyle on Saturday and Sunday morning, as well as “glows” in the evenings, where tethered hot air balloons glow against the evening sky at Lake Kyle. Aside from glows and morning flights, the festival will also light up the night sky with two fireworks shows on Friday and Saturday night.
Every year, Pie in the Sky also features pie eating contests, a pie baking contest, a Pie Café, a vendor market with artisan crafts, unique products and food, libations, live music performances throughout the weekend, a children’s zone with activities and the Gathering of the Kyles—the city of Kyle’s annual attempt at the Guinness World Record for the most people with the same name in one place.
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.