Insurance Requirements for Owner Operators Mansfield, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Mansfield, 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 Mansfield, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mansfield, 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.
Mansfield is a suburban city in the U.S. state of Texas, and is part of the Dallas–Fort Worth metroplex area. The city is located mostly in Tarrant County, with small parts in Ellis and Johnson counties. Its location is approximately 30 miles from Dallas and 20 miles from Fort Worth, and is adjacent to Arlington. As of the 2010 census, the population was 56,368, up from 28,031 in 2000. The estimated population in 2020 is 73,550.
The first wave of European settlers arrived in the rolling Cross Timbers country of north central Texas in the 1840s. Primarily of Scotch-Irish origins, these pioneer farmers came for the most part from southern states, following the frontier as it shifted west of the Mississippi. They entered an area where Native Americans had been living for thousands of years. The Comanche posed a serious threat to the settlers, and in 1849, the U.S. Army established Fort Worth to protect the farms along the sparsely populated frontier.
The area southeast of the fort (and of the Trinity River) was well protected and presumably fairly well settled by the early 1850s. In one well-documented case, eight related families migrated to the area in 1853 from Illinois. Three of the four Gibson brothers in this group established homesteads about 4 miles (6 km) northwest of present-day Mansfield. This settlement, which became known as the Gibson Community, included a school and a church building by 1860.
When Ralph Sandiford Mann and Julian Feild arrived around 1856 and built a grist mill at the crossroads that was to become the center of Mansfield, the beginnings of the community probably existed in the oak groves bordering Walnut Creek (originally called Cedar Bluff Creek). The Walnut Creek Congregation of the Cumberland Presbyterian Church had organized itself in 1854. Members met in each other’s homes, so it is suspected that there was a cluster of houses in the area.
In 1856, Julian Feild purchased 540 acres (2.2 km) in the Mansfield area. Man and Feild completed their three-story brick grist mill sometime between 1856 and 1859. The mill, which produced flour and meal, was the first built in North Texas to utilize steam power and enjoyed patronage as far south as San Antonio and as far north as Oklahoma. The location of the mill in southeastern Tarrant County perhaps reflects the advanced state of wheat cultivation in the area and the ready availability of wood to feed the mill’s steam boilers.
Feild opened a general merchandise store at the same time as the mill, located across Broad Street. He built a log house for his family, which also served as an inn for travelers and customers. By 1860, the nucleus of the future city existed. The first post office was established that year, with Julian Feild as postmaster.
During the American Civil War, the Man and Feild Mill supplied meal and flour to the Confederate States Army, hauling it to Shreveport, Louisiana, and Jefferson City, Missouri. As was common practice, the owners tithed ten percent of the mill’s production to the Confederacy. The small community around the mill was unique in Tarrant County in that it prospered throughout the Civil War. “Feild’s Freighters”, assembled in ox-drawn wagon trains, went as far as Fort Sill, Oklahoma, where a part of the Indian Wars raged in the southern plains in the late 1860s and 1870s.
The prospering community which had grown up around the Man and Feild mill took on the name of “Mansfeild”, a combination of the names of the founders. Repeated misspellings over the years resulted in the acceptance of the conventional spelling of “Mansfield.” The town incorporated in 1909, continuing to be a hub for the surrounding farmland.
In 1956, a federal court ordered the Mansfield Independent School District to desegregate; the first such order in Texas. Protests by 300 whites in front of Mansfield High School, to prevent three black students from enrolling, touched off one of the longest-running desegregation battles of the Civil Rights Movement. Mansfield’s school quietly desegregated in 1965 as it faced a lack of federal funds.
According to the United States Census Bureau, the city has a total area of 36.4 square miles (94.3 km), of which 36.4 square miles (94.2 km) is land and 0.04 square miles (0.1 km), or 0.12%, is water.
According to the 2020 United States census, there were 72,602 people, 22,760 households, and 18,066 families residing in the city. The racial and ethnic makeup as of 2020 was 49.04% non-Hispanic white, 21.4% African American, 0.35% Native American, 5.48% Asian, 0.07% Pacific Islander, 0.46% some other race, 4.72% multiracial, and 18.49% Hispanic or Latino of any race. The racial and ethnic composition of the population in 2010 was 64.4% non-Hispanic white, 14.2% black or African American, 0.6% Native American, 1.5% Vietnamese, 2.2% other Asian, 0.1% Pacific Islander, 0.2% non-Hispanic from some other race, 2.8% from two or more races and 15.4% Hispanic or Latino. 5,996 of the city’s population are foreign-born.
According to information released by the city government, the largest employers of Mansfield as of 2021 were:
Established in 1917, Farr Best Theater is the city’s historical venue for concerts, musical revue and live performances. Even though ownership of the theater has changed hands many times since its inception, the Farr family still resides in Mansfield.
For softball and baseball tournaments, Big League Dreams has eight replica baseball fields and an indoor soccer pavilion.
The Mansfield Historical Museum chronicles the city’s history from a prairie outpost in the past to a thriving community now.
Hawaiian Falls Water Park is a 10 acres (4.0 ha) destination during the hot summer months; while Historic Mansfield is being revitalized to be a year-round destination. Downtown hosts annual festivals such as the Hot Beats and Cold Brews Festival, the Hometown Holiday Parade and St. Patrick’s Day Pickle Parade.
Mansfield has an extensive park system including 11 parks, 3.5 mi (5.6 km) of hiking/biking trail, an 80 acres (32 ha) nature park, an activity center, and four athletics fields. Mansfield also has two renowned golf courses: Mansfield National Golf Course and Walnut Creek Country Club.
The Mansfield Independent School District includes all portions of Mansfield in Tarrant and Johnson counties. The portion in Ellis County is zoned to the Midlothian Independent School District.
The high schools in the district are Mansfield High School, Mansfield Summit High School, Mansfield Timberview High School, Mansfield Legacy High School, Frontier High School , Mansfield Lake Ridge High School, Mansfield Early College High School, and the Alternative Education Center consisting of the ACE program and the BIC program. There are 24 elementary schools, seven intermediate schools, and seven middle school and the Jerry Knight STEM Academy (6-8th Grades). The district’s athletic facilities are the Vernon Newsom Stadium and MISD Natatorium which make up the MISD Multi-Purpose Athletics Complex and the RL Anderson Football Stadium. The Center for Performing Arts consists of two venues: the 5,500-seat Claude H. Cunningham Performance Hall and the John Washington Professional Development Center.
Tarrant County residents are zoned to Tarrant County College (formerly Tarrant County Junior College). Portions in Ellis County are zoned to Navarro College. Portions in Johnson County are zoned to Hill College.
Mansfield has two acute-care hospitals: Methodist Mansfield Medical Center, a 262-bed hospital of the Methodist Health System in Dallas; and Texas Health Hospital Mansfield, which opened on December 1, 2020, it is a joint venture between Texas Health Resources and AdventHealth. Mansfield also has five nursing homes, several urgent care centers, Kindred Hospital—an acute care rehab hospital, Baylor Surgicare at Mansfield—a day surgery center, three assisted living/senior apartments, two Cook Children’s clinics and a Cook Children’s Specialty Care Facility under construction.
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.