Insurance Requirements for Owner Operators Mesquite, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Mesquite, 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 Mesquite, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mesquite, 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.
Mesquite is a suburban city located east of the city of Dallas, Texas, in the United States. Most of the city is located in Dallas County, though a small portion extends into Kaufman County. As of 2019 census estimates, the population was 140,937, making it the 22nd-most populous city in the U.S. state of Texas; in 2020, its population grew to 150,108. Mesquite is positioned at the crossroads of four major highways (Interstates 30, 635, 20, and U.S. Route 80), making locations such as downtown Dallas, Lake Ray Hubbard, Dallas Love Field, and DFW International Airport accessible.
According to legislative action, the city is the “Rodeo Capital of Texas”. In 2016, Mesquite received a Playful City USA designation for the fourth year in a row. The city has been named a Tree City USA by the National Arbor Day Foundation for over 25 years. The city of Mesquite holds the 10th-longest reign in all of Texas.
Unique to suburbs of Dallas and Fort Worth, the city of Mesquite is served by its own local airport, Mesquite Metro Airport. Companies and institutions with a major presence in the city are the United Parcel Service, Sears, AT&T, Charter Spectrum, Eastfield College, Ashley Furniture, and FedEx.
Centuries before American settlers moved into the area, Mesquite was an open prairie land and a key trading ground for indigenous peoples. The Ionies were a western tribe located close to present-day Fort Worth. The Tawakonies were in present-day Dallas. Finally, the Caddo were the native farmers of the Mesquite land. From 1680 to 1790, after harvest was over, these three tribes held an annual tournament and trading fair.
The city of Mesquite was founded on March 14, 1878, on land along the Texas & Pacific Railway, which ran from Dallas to Shreveport, Louisiana. The locals then named the town after Mesquite Creek. The city was officially incorporated on December 3, 1887, after electing Mayor J.E. Russell.
In the city’s earliest years, it was known for many outlaws residing in the area. A prominent outlaw was Sam Bass, historically known for his train robberies in Texas. In 1878, he robbed a train in downtown Mesquite, escaping with $30,000. The Mesquiter, established in 1882 by R.S. Kimbrough, was Dallas County’s longest-running newspaper.
Mesquite prospered through the late 19th and early 20th centuries as a farming community, growing cotton, hay, corn, and sugar, and using the railroad to ship raw goods. The town remained predominantly agrarian until after World War II, when the suburban boom took root in Mesquite.
In 1946, the Mesquite Rodeo was founded by Charlie Columbus McNally, and was one of the only rodeos that had a permanent location. By the mid-1980s, the events were being broadcast by ESPN.
In 1959, Big Town Mall opened as the first air-conditioned shopping mall in the United States. Portions of the Talking Heads movie ‘True Stories’ were filmed at this mall. The mall was demolished in the summer of 2006, and FedEx opened a logistics center on the property in 2017.
By 1970, the LBJ Freeway (I-635) was constructed, connecting Mesquite to its neighbors, Garland to the north and Balch Springs to the south. Also, in 1971, Town East Mall was constructed. The mall was used by director Ron Howard to film portions of the movie Cotton Candy in 1978. It can also be seen in drive-by footage in the Talking Heads movie ‘True Stories’, by Talking Heads frontman David Byrne. The mall’s associated traffic and shops would continue to grow the town.
In 1986, the Mesquite Arena opened its doors as the new home for the Mesquite ProRodeo. By 1998, the facility was expanded to include a convention center, exhibition hall, and a Hampton Inn and Suites.
By the 1990 census, the city had grown to 101,484 people, up from 1,696 residents in 1950.
In 2011, Mesquite passed a law allowing beer and wine sales in the city. The measure had been considered several times for many years, but was always blocked by strong protest against the proposed sales. It was one of the few cities without beer and wine sales in eastern Dallas County before the law came into effect.
In June 2015, the Mesquite Arts Center added a Freedom Park exhibit, in memorial of September 11. The park displays a 15-foot (4.6 m) beam that was recovered from the remains of Ground Zero. The Mesquite Fire Department received the beam in 2011.
Mesquite is located in eastern Dallas County at 32°46′58″N 96°36′36″W / 32.782878°N 96.609862°W (32.782878, −96.609862), with a portion extending east into Kaufman County. The city is bordered to the west by Dallas, to the north by Garland, to the northeast by Sunnyvale, to the south by Seagoville and Dallas, and to the southwest by Balch Springs.
According to the United States Census Bureau, the city has a total area of 46.2 square miles (119.6 km), of which 46.0 square miles (119.2 km) are land and 0.52 square kilometres (0.2 sq mi), or 0.33%, is covered by water. Mesquite is part of the Dallas–Fort Worth–Arlington metroplex, in which one quarter of all Texans live.
Like most cities in the DFW area, Mesquite has a humid subtropical climate (Köppen climate classification Cfa) characteristic of the Southern Plains of the United States. It is also continental, characterized by a relatively wide annual temperature range. Located at the lower end of Tornado Alley, Mesquite and the rest of Dallas–Fort Worth are prone to extreme weather.
On average, the warmest month is July. The highest recorded temperature in Mesquite was 112 °F (44 °C) in 1980. The average coolest month is January. The lowest recorded temperature was 1 °F (−17 °C) in 1989. May is the average wettest month.
At the 2010 United States census, Mesquite had a population of 139,824. In July 2018, the population was estimated at 142,816. According to the 2020 United States census, there were 150,108 people, 46,586 households, and 34,641 families residing in the city. Per the American Community Survey in 2017, the median age was 32.8.
According to the 2010 census, 64.9% of Mesquite was White (31.5% non-Hispanic white), 25.0% was Black or African American, 0.6% American Indian or Alaska Native, 2.8% Asian, 38.9% of Hispanic or Latino origin, and 3.2% from two or more races. In 2018, 28.6% were non-Hispanic white, 26% Black or African American, 0.8% American Indian or Alaska Native, 2.9% Asian, 0.1% Pacific Islander, 3.4% two or more races, and 40.4% Hispanic or Latino of any race.
At the American Community Survey estimates of 2017, 0.1% of the American Indian population was Cherokee. 1.1% of the city’s Asian community was Indian, 0.1% Chinese, 0.6% Filipino, 0.0% Japanese, 0.0% Korean, 0.6% Vietnamese, and 0.3% of other Asian origin. 56 residents were estimated to be Guamanian or Chamorro. The multiracial population of Mesquite was majority White and Black or African American (1.1%), followed by White and American Indian or Alaska Native (0.5%), White and Asian (0.3%), and Black or African American and American Indian and Alaska Native (0.2%). Among the Hispanic or Latino demographic 33.9% were Mexican, 0.7% Puerto Rican, 0.4% Cuban, and 4.0% from other Hispanic or Latin American origins.
Of the 51,578 households at the 2010 census, 39.1% had children under the age of 18 living with them, 48.3% were headed by married couples living together, 18.9% had a female householder with no husband present, and 26.8% were notfamilies. About 22.4% of all households were made up of individuals, and 6.4% were someone living alone who was 65 years of age or older. The average household size was 2.88, and the average family size was 3.38. From 2013 to 2017, an estimated 46,876 households had an estimated 3.06 persons per household. About 57.7% of residents owned houses in Mesquite. The median gross rent was $1,018.
In 2000, the median income for a household was $30,424, and the median income for a family was $36,357. Male full-time workers had a median income of $37,756 versus $29,905 for females. In 2017, the estimated median household income was $52,167.
In 2010, about 29.8% of the population were under the age of 18, 10.1% were 18 to 24 years old, 27.9% were 25 to 44, 23.7% were 45 to 64, and 8.6% were 65 years of age or older in 2010. The median age was 32.3 years. For every 100 females, there were 91.3 males. For every 100 females age 18 and over, there were 86.4 males.
According to information gathered by Sperling’s BestPlaces, 62.7% claim religious affiliation. Christianity is the most prevalent religion in Mesquite. The largest Christian body in the city is the Catholic Church, served by the Diocese of Dallas (19.6%), followed by Baptists (13.2%), Methodists (4.8%), Pentecostals (3.1%), Presbyterians (1.6%), Episcopalians (1.0%), Latter-Day Saints (1.0%), Lutherans (0.7%), and 12.4% from another Christian faith including the Oriental Orthodox and Eastern-rite Catholic churches. Mesquite is a center for Indian Christians from the Indian state of Kerala. Their settlement, one of the earliest of the Indian Americans in the DFW area, was influenced by proximity to Dallas-based hospitals such as Baylor University Medical Center at Dallas and Parkland Hospital, as well as having initial low income and difficulties moving to mostly white northern suburbs. The second-largest religion in Mesquite is Islam (3.6%) followed by Judaism (0.7%), and eastern faiths including Hinduism, Sikhism, and Buddhism (0.9%).
Much of Mesquite’s economy is tied to the city of Dallas with the exception of local businesses. The largest national corporations operating in Mesquite are United Parcel Service, Sears, AT&T, Spectrum, Ashley Furniture, FedEx, OfficeMax, and GameStop. As of Mesquite’s 2008 Comprehensive Annual Financial Report, the largest employers in the city are:
In 2016, the Mesquite Public Library System was presented with a 2016 Achievement of Library Excellence Award by the Texas Municipal Library Directors Association. Of the 548 public library systems in Texas, the Mesquite Public Library was one of only 43 libraries to earn this prestigious honor. The Mesquite Public Library System consists of two branches to serve the community. Both branches offer traditional and non-traditional programs.
The city houses 76 parks and four recreation centers. The city has been designated a Playful City USA four years running and opened its Heritage Trail system in 2015. The hike and bike trail system consists of 4.25 miles of concrete trails and sidewalks, three trailheads, and other improvements that connect residents from their homes to the Mesquite Golf Club, schools, recreation centers, sports fields, shopping, and more.
Mesquite Golf Club is a 154-acre (62 ha), 18-hole golf course for both novice and expert golfers. Operated by the City of Mesquite, the course is open seven days a week and features a pro shop and driving range.
The 36,700-square-foot (3,410 m) municipal arts facility houses a 494-seat music performance hall, black box theater, rehearsal hall, galleries, and support space. The facility serves as the cultural center for the community and is home to the Mesquite Community Theatre, Mesquite Community Band and the Mesquite Symphony Orchestra.
The city council of Mesquite consists of a mayor and six council members, with Daniel Alemán Jr. serving as mayor and Cliff Keheley as city manager.
The council members of Mesquite’s city council are listed below.
Mesquite Independent School District provides primary and secondary (K–12) education to most areas of Mesquite. A small portion of Mesquite is served by Dallas Independent School District. While another small area in Kaufman County is within the Forney Independent School District, the section has no residents. Mesquite also serves an area of Balch Springs.
In addition to 33 public elementary schools and ten public middle schools, Mesquite is served by five high schools: Mesquite High School, North Mesquite High School, West Mesquite High School, Poteet High School, and John Horn High School. The private Dallas Christian School is located in the city limits.
The Texas Legislature defines all of Dallas County (including the vast majority of Mesquite) as being in the Dallas College (formerly Dallas County Community College or DCCCD) district. The portion in Kaufman County is within the Trinity Valley Community College district. Eastfield College provides undergraduate degrees and continuing-education credits as part of Dallas College.
Higher education also is provided by two other institutions. Columbia College-Mesquite Campus is located on the Eastfield College campus. It is a private, nonprofit institution that was founded in Columbia, Missouri, in 1851. It provides bachelor’s and master’s degree programs.
Mesquite shares the same television and radio market with Dallas. The Mesquite Independent School District operates KEOM, a high-school sports and classic-hits radio station. The city’s newspaper community primarily subscribes to The Dallas Morning News, Al Dia, and other Dallas-based newspapers. The Dallas Morning News has a section dedicated to local news in Mesquite. Star Local News distributes the Mesquite News newspaper.
Mesquite is served by a publicly owned and operated airport, Mesquite Metro Airport. The airport includes a 6,000-foot (1,800 m) lighted runway with ILS. General aviation accounts for about 75% of daily operations, while commercial aviation accounts for the rest. Mesquite Metro Airport is popular among transient aircraft due to its location near Dallas and favorable fuel prices.
Two other nearby airports, Dallas/Fort Worth International Airport and Dallas Love Field, provide regular commercial passenger service to the region. Dallas Love Field is around 15 miles (24 km) from Mesquite; DFW Airport is roughly 30 miles (48 km) from Mesquite.
Mesquite is not a member of Dallas Area Rapid Transit, but on April 12, 2011, the DART Board changed its policy to permit DART to contract with nonmember cities for services, such as passenger rail and express service. The city and DART staffs have developed a coordinated plan to have a weekday commuter service in operation between the Hanby Stadium visitor parking lot and the DART’s Green Line Lawnview Station. This route opened March 12, 2012. The city also has an optional public transportation service where citizens can schedule specific pickup and drop off times and locations within Mesquite through the STAR Transit service.
Union Pacific Railroad operates an intermodal facility for its freight rail service as part of the Skyline Industrial Park. The recent expansion of this intermodal facility won a Silver award in the Industrial Paving Category by the American Concrete Pavement Association.
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.
