Insurance Requirements for Owner Operators Lufkin, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Lufkin, 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 Lufkin, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Lufkin, 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.
Lufkin is the largest city in Angelina County, Texas and the county seat. The city is situated in Deep East Texas and is 60 mi (97 km) west of the Texas- Louisiana state line. Its estimated population is 35,021 as of July 1, 2019.
Lufkin was founded in 1884 and named for Abraham P. Lufkin. It originally served as a stop on the Houston, East and West Texas Railway. It was officially incorporated on October 15, 1890. Lufkin continued to serve as a stop on the railroad until 1890. Three businessmen founded Angelina Lumber Company, which led to much of the economic prosperity Lufkin later had. When the so-called “timber boom” came to an end, a new “golden era of expansion” began. Lufkin became more industrialized with the opening of Lufkin Industries and Southland Paper Mill. In the mid-1960s, a cultural expansion began, and improvements were made to education and the way of life, including museums and the opening of a new library.
The City of Lufkin has a council–manager government, with 6 city council members, a mayor, and a city manager. The Lufkin Independent School District encompasses most of Lufkin and operates almost all of the schools within Lufkin. Additionally, Angelina College, a community college, is located in Lufkin.
The city was originally founded in 1882 as a stop on the Houston, East and West Texas Railway; it is named for Abraham P. Lufkin, a cotton merchant and Galveston city councilman. Lufkin was the father-in-law of Paul Bremond, president of the railroad, which developed the town. Lufkin continued to grow because of its proximity to the railroad and its lumber industry. The history of Lufkin can be divided into three main eras, the railroad era, the timber boom, and the golden era of expansion.
The railroad era lasted between 1882 and 1890. In 1881, the area that is now Lufkin was little more than a small settlement known as Denman Springs. A railroad surveying team began to plan a route through Angelina County, with a possible route through Homer, Texas, which at the time was the county seat. According to legend, the men in the surveying team began to get rowdy in the saloon in Homer, which led to their arrest. They paid their way out the next morning, but this infuriated the chief surveyor. He ordered the team for the rail line to bypass Homer and go by Denman Springs. Conveniently, the new route went through the property of Lafayette Denman and his son, Dr. A. M. Denman, who as the legend goes, had hosted the surveying team a few days earlier. This legend is most likely not true since the prospectus in 1879 already had the railroad planned to bypass Homer and go through the future site of Lufkin.
The railroad officially arrived in 1882, and the company began to advertise the sale of lots of land in Lufkin. During this time, many of the businesses and professionals from Homer began to relocate to Lufkin to be closer to the railroad. Some of the first stores in Lufkin included S. Abram’s general store, Joseph Kerr’s grocery and saddle shop, and W. H. Bonner’s general store, all located on Cotton Square, which became the center of most economic activity in Lufkin. Behind the depot, which was on the cotton square, cotton was stored before being shipped on the railroad. The town continued to grow, and acquired a post office in 1882 with William A. Abney as postmaster. Soon after in 1883, a telegraph line was strung connecting Lufkin to Nacogdoches by telegraph. On October 15, 1890, the town was officially incorporated. The first mayor of Lufkin was J. M. Smith, who was the owner of Smith Hotel; he was elected on November 15, 1890. Even before the incorporation of Lufkin, the courthouse was sought to have been moved. By a vote in 1885, though, the courthouse remained in Homer. In November 1891, a fire of mysterious origin destroyed the courthouse in Homer. This prompted a petition from the citizens of Lufkin asking for a new election to be held to decide if the courthouse should be relocated to Lufkin. The election was held on January 2, 1892, and the citizens decided to relocate the courthouse to Lufkin.
The timber boom lasted between 1890 and 1920. Three main lumbering families are recognized for much of the economic prosperity in Lufkin – the Kurths, the Hendersons, and the Wieners. Joseph H. Kurth Sr., was a German immigrant, who had operated a sawmill in Polk County, Texas. He moved to a small settlement north of Lufkin known as Keltys. In 1887, Kurth obtained a sawmill from Charles L. Kelty. He was soon joined by S. W. Henderson Sr., and Sam Wiener, both of Corrigan, Texas. In 1890, the men started the Angelina County Lumber Company. The company became the forerunner of the lumber industry in East Texas, and led to much of the economic prosperity in Lufkin. At the peak of the three families’ activities, nearly a dozen sawmills and several other industries were operating.
The golden era of expansion occurred between 1938 and 1945. In the late 1930s, two of the principal industries in Lufkin, the Southland Paper Mill, later known as Abitibi Bowater Inc. which closed in 2007, and Texas Foundries opened. These companies provided much of Lufkin’s industrial growth. The largest industrial employer was Lufkin Foundry and Machine Company, later known as Lufkin Industries; it ceased operations in 2018.
In early Lufkin history, most daily life revolved around churches, schools, and sports activities, but this began to change between 1965 and 1983, when Lufkin began a cultural expansion. Improvements included the Kurth Memorial Library, new museums, a civic center, Angelina College, a new federal building, a country club, municipal and city parks, two shopping malls, and the Lufkin Independent School District. Lufkin celebrated its centennial in 1982.
Debris from the Space Shuttle Columbia disaster fell over the Lufkin area on February 1, 2003.
A Little League Baseball team from Lufkin, locally known as the Thundering 13, won the U.S. Championship at the 2017 Little League World Series in Williamsport, Pennsylvania. There have been many community tributes to the team.
According to the United States Census Bureau, in 2010, the city has a total area of 33.38 sq mi (86.5 km).
Lufkin is at the crossroads of East Texas at the intersections of Highways US 59, future Interstate 69, which leads to Houston and the Rio Grande Valley to the south and Nacogdoches and Texarkana to the north, and US 69, which leads from the Golden Triangle of southeast Texas (Port Arthur and Beaumont) to points such as Jacksonville, Tyler, Dallas, and Oklahoma to the north.
Lufkin is 115 miles (185 km) northeast of Houston.
The elevation of Lufkin is 139 to 404 ft above mean sea level.
The headquarters of all four United States National Forests and two United States National Grasslands in Texas are located in Lufkin. They are the Angelina, Davy Crockett, Sabine, and Sam Houston National Forests, and the Caddo and Lyndon B. Johnson National Grasslands.
Lufkin is a humid subtropical climate that generally has relatively high temperatures with evenly distributed precipitation throughout the year. Generally, this climate is seen on the eastern side continents between 20 and 35°N or S latitude. During summer, these regions over low-latitude ocean waters are generally under the influence of hot, maritime overflow from the western side of subtropical anticyclonic cells. These higher temperatures can lead to warm, oppressive nights. Due to an increase in thunderstorms, summers in Lufkin are usually wetter than winters. Additionally, tropical cyclones can increase precipitation during the summer. Cold months are usually mild and frost is uncommon.
Note: the US Census treats Hispanic/Latino as an ethnic category. This table excludes Latinos from the racial categories and assigns them to a separate category. Hispanics/Latinos can be of any race.
As of the 2020 United States census, there were 34,143 people, 12,755 households, and 8,277 families residing in the city.
The population of the city is estimated to be 35,021 in 2019. The racial makeup of the city is estimated to be 66.6% White, 25.2% African American, 0.7% American Indian or Alaska native, 2.2% Asian, and 2.2% of two or more races. Hispanic or Latinos of any race were estimated to be 28.6%. White alone (not Hispanic or Latino) is estimated to be 41.8%; 11.3% of the population is estimated to be foreign born. An estimated 24.4% of homes are thought to speak a language other than English.
With an estimated 12,910 households, the city averaged 2.68 persons per household. The median household income is estimated to be $43,803, and the per capita income is $23,134; 20.9% of persons are believed to be below the poverty line.
As of the census of 2010, 35,067 people, 12,928 households, and 8,717 families resided in the city. The population density was 1,050.7 people per square mile. The racial makeup of the city was 56.7% White, 27.4% African American, 0.5% Native American, 1.7% Asian, 11.6% from other races, and 2.2 two or more races. Hispanics or Latinos of any race were 24.1% of the population.
Of the 12,929 households, 31.6% had children under the age of 18 living with them, 44.2% were married couples living together, 18.6% had a female householder with no husband present, and 32.6% were not families; 27.8% of all households were made up of individuals, and 26.7% had someone living alone who was 65 years of age or older. The average household size was 2.62 and the average family size was 3.21.
In the city, the age distribution was 8.3% under 5 years, 7.5% from 5 to 9, 7.1% from 10 to 14, 7.2% from 15 to 19, 7.4% from 20 to 24, 7.1% from 25 to 29, 6.6% from 30 to 34, 5.8% from 35 to 39, 5.9% from 40 to 44, 6.2% from 45 to 49, 6.3% from 50 to 54, 5.5% from 55 to 59, 4.8% from 60 to 64, 3.7% from 65 to 69, 3.2% from 70 to 74, 2.7% from 75 to 79, 2.4% from 80 to 84, and 2.4% 85 and over. The median age was 34 years.
Lufkin is home to Lufkin Industries and Lufkin Gears LLC, which manufactures and services oil field equipment and power transmission equipment, and supplies of creosote-treated utility poles. It is also home to the Atkinson Candy Company, the creator of the Chick-O-Stick, and Brookshire Brothers, a chain of grocery stores in Texas and Louisiana. Lufkin received Texas’s first biomass power plant in late 2009. Aspen Power is building the power plant.
Some of the city’s major employers include:
According to the city’s 2019 Comprehensive Annual Financial Report, the top employers in the city are:
September ~ Texas State Forest Festival and Southern Hushpuppy Championships. Brings net profits to the city of US$60,000.
Lufkin in comparison to the U.S. average leans more conservative politically. However, the city leans more liberal than Angelina County and the state Texas’ averages. In the 2016 United States presidential election, Republican candidate Donald Trump dominated in the southern and western parts of Lufkin while Democratic candidate Hillary Clinton won by large margins in the central, northern, and northeast parts of Lufkin.
Lufkin falls under Texas’s 1st congressional district, which is currently represented by Republican Louie Gohmert. The senators who represent Texas are Ted Cruz and John Cornyn, who are both Republicans.
In the Texas House of Representatives, Lufkin falls under district 57 and is represented by Republican Trent Ashby, who is a resident of Lufkin. In the Texas Senate Lufkin falls under district 3 and is represented by Republican Robert Nichols.
According to the city’s 2017 Comprehensive Annual Financial Report, Lufkin’s various funds had $38.8 million in revenue, $43.7 million in expenditures, $85.7 million in total assets, $5.3 million in total liabilities, and $14.9 million in cash and investments.
The City of Lufkin has a council-manager form of government. The city is divided into six city council districts, and the mayor is elected by a citywide vote. All elected positions are elected on a nonpartisan ballot, as required by Texas law. The city council’s responsibility is to make all legislative and policy decisions, while the responsibility of the city manager is to decide all administrative decisions.
In 2018, Lufkin’s crime rate was 4,666 crimes per 100,000 persons, which was an overall decrease by 2% from 2017; 134 violent crimes and 1,403 property crimes were reported.
According to the United States Census Bureau 80.7% of people in Lufkin above the age of 25 are high-school graduates or higher. About 21.5% of people 25 and older have a bachelor’s degree or higher.
Almost all of Lufkin’s public schools are operated by the Lufkin Independent School District, with a few small sections in the west within the Hudson Independent School District. A very small portion of the city on Highway 69 is within Central ISD. Lufkin also has a small charter school, Pineywoods Community Academy, that serves grades Pre-K–12 and is an early college high school. Additionally, Lufkin is served by two small private schools, St. Cyprian’s Episcopal School and St. Patrick Catholic School.
Angelina College, a community college, is located in Lufkin. The college has roughly 5,000 students. Additionally, Stephen F. Austin State University is located not far away in Nacogdoches, Texas.
Lufkin is served by U.S. Highway 69, U.S. Highway 59, State Highway 94, and State Highway 103.
Lufkin will be served by the extension to Interstate 69, which is planned to run from the Canada–US border at Port Huron, Michigan, to the Texas/Mexico border.
General aviation service is provided by Angelina County Airport.
The Coach USA bus lines serve Lufkin, carried under the Kerrville Bus Company.
Brazos Transit District (formerly Brazos Valley Transit Authority) provides regularly scheduled public bus service in the Lufkin area.
The Angelina and Neches River Railroad (A&NR) runs through Lufkin. It has an approximate length of 20 miles (32 km) and connects with the Union Pacific Railroad lines.
Lufkin is served by two hospitals: CHI St. Luke’s Health Memorial (formerly Memorial Health System of East Texas at Lufkin), which includes the Arthur Temple Sr. Regional Cancer Center, and Woodland Heights Medical Center.
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.