Insurance Requirements for Owner Operators Waxahachie, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Waxahachie, 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 Waxahachie, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Waxahachie, 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.
Waxahachie ( WOK-sə-HA-chee) is the county seat of Ellis County, Texas, United States. Its population was 41,140 in 2020.
Some sources state that the name means “cow” or “buffalo” in an unspecified Native American language. One possible Native American origin is the Alabama language, originally spoken in the area of Alabama around Waxahatchee Creek by the Alabama-Coushatta people, who had migrated by the 1850s to eastern Texas. In the Alabama language, waakasi hachi means “calf’s tail” (the Alabama word waaka being a loan from Spanish vaca).
A Waxahatchee Creek near present-day Shelby, Alabama, suggests that Waxahachie shares the same name etymology. Many place names in Texas and Oklahoma have their origins in the Southeastern United States, largely due to forced removal of various southeastern Indian tribes. The area in central Alabama that includes Waxahatchee Creek was for hundreds of years the home of the Upper Creek moiety of the Muscogee Creek Nation. Again, this would suggest a Muscogee Creek-language origin of Waxahachie. “Waxahachie”, therefore, may be an anglicized pronunciation of the Muscogee compound word wakvhvce from the Muscogee words wakv (meaning “cow” derived from the Spanish vaca) and the Muscogee word hvcce (meaning “river” or “creek”).
Waxahachie was founded in August 1850 as the seat of the newly established Ellis County on a tract of land donated by early settler Emory W. Rogers, a native of Lawrence County, Alabama, who migrated to Texas in 1839. It was incorporated on April 28, 1871, and in 1875, the state legislature granted investors the right to operate a rail line from Waxahachie Tap Railroad to Garrett, Texas, which greatly increased the population of Waxahachie.
From 1902 to 1942, Waxahachie was the second home of Trinity University, which was a Presbyterian-affiliated institution founded in 1869. Then-Trinity’s main administration and classroom building is today the Farmer Administration Building of Southwestern Assemblies of God University. Trinity’s present-day location is San Antonio.
The town is the namesake of the former United States Naval Ship Waxahachie (YTB-814).
In 1988, the area around Waxahachie was chosen as the site for the Superconducting Super Collider, which was to be the world’s largest and most energetic particle accelerator, with a planned ring circumference of 54.1 miles (87.1 km). Seventeen shafts were sunk and 14.6 miles (23.5 km) of tunnel were bored before the project was cancelled by Congress in 1993.
In 2020, County Judge Todd Little came into the national spotlight when the county’s only elected African American, Constable Curtis Polk, Jr., protested having his office located in the basement of the courthouse next to a segregation-era sign that read “Negroes”. The controversy was resolved amicably when Little worked with Polk to relocate him to another office.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen climate classification, Waxahachie has a humid subtropical climate, Cfa on climate maps.
As of the 2020 United States census, 41,140 people, 12,522 households, and 9,073 families resided in the city.
Employment opportunities in the city are highly oriented toward industry. Owens Corning, Georgia-Pacific, International Paper, James Hardie Industries, Berry Global, Americase, Cardinal Glass, Magnablend, and Dart Container are located within a few miles of each other. Nonindustrial employers include Baylor Scott & White Health, Waxahachie Independent School District, Walgreen Distribution Center, Walmart, HEB Grocery, Navarro College, and Southwestern Assemblies of God University.
The Scarborough Renaissance Festival (also called Scarborough Faire), a Renaissance fair theme park, is located southwest of the town. It opens annually during April and May, and has been in operation since 1981. The city’s annual Gingerbread Trail Festival features tours of many of the Gingerbread homes.
Bethlehem Revisited, a re-enactment of the birth of Jesus, occurs behind Central Presbyterian Church in early December.
The Texas Country Reporter Festival (hosted by Bob Phillips) features artists, craftsmen, music, and food from all over the Lone Star State – much of it featured on the TV show over the years.
Waxahachie is locally known for its elaborate Richardsonian Romanesque courthouse. The town also features many examples of Victorian architecture and Gingerbread-style homes, several of which have been converted into bed and breakfast inns. The Ellis County Art Association hosts ART on the Square (Cultural Attractions- Events and Facilities; 113 West Franklin Street).
Parks in Waxahachie include Spring Park, Getzendaner Memorial Park, Richards Park, Chapman Park, and Brown-Singleton Park. Getzendaner Park features the historic Chautauqua Auditorium, built in 1902.
The city of Waxahachie is a voluntary member of the North Central Texas Council of Governments association, the purpose of which is to coordinate individual and collective local governments and facilitate regional solutions, eliminate unnecessary duplication, and enable joint decisions.
Waxahachie is represented in the Texas Senate by Republican Brian Birdwell, District 22, and in the Texas House of Representatives by Republican Brian Harrison, District 10.
The Texas Department of Criminal Justice operates the Waxahachie District Parole Office in Sherman.
At the federal level, the two U.S. senators from Texas are Republicans John Cornyn and Ted Cruz; since 2003, Waxahachie has been part of Texas’s 6th congressional district, which is currently represented by Republican Jake Ellzey.
The United States Postal Service operates the Waxahachie Post Office.
Waxahachie is served by the Waxahachie Independent School District (WISD), which currently has eight elementary campuses, three middle-school campuses, and two high schools. WISD aims to offer all of its students a well-rounded education and offers advanced-placement and dual-credit courses, and varied career and technology courses.
Waxahachie High School, classified as 6A, offers a range of extracurricular activities to its students, including football, volleyball, men’s and women’s basketball, men’s and women’s soccer, baseball, softball, golf, tennis, concert and marching band, drama, choir, drill team, and dozens of academic teams and clubs. The football program made the playoffs every year from 1989 to 2010.Waxahachie Global High School, an ECHS T-STEM school emphasizing instruction in science, technology, engineering, and mathematics in a small-learning-community environment, opened on August 27, 2007.
In addition to the district schools, Life School, a public charter-school system, operates a 7–12 grade campus. On April 15, 2014, Life School broke ground on a new high school in Waxahachie, planned to accommodate about 1,000 9th–12th graders.
The several private schools include Waxahachie Preparatory Academy, First Christian Day School, and St. Joseph Catholic School, the first two of which offer a kindergarten–grade 12 education, while the last offers prekindergarten through grade 8.
Two postsecondary educational institutions have campuses in the city of Waxahachie: Navarro College, a community college based in Corsicana, Texas, and Southwestern Assemblies of God University, a private, four-year university affiliated with the Assemblies of God, which offers accredited undergraduate and graduate degrees.
The first newspaper in Waxahachie, the now-defunct Waxahachie Argus, was established in 1870. The Waxahachie Daily Light has served the town since 1891. Additionally, 47 radio stations are within close listening range of Waxahachie. KBEC radio has served the community and surrounding area since 1955.
Both Altus Emergency Center and Baylor Scott & White Health at Waxahachie provide emergency services locally, as does Ennis Regional Medical Center, about 14 miles away in Ennis. Between 2003 and 2010, Waxahachie’s healthcare industry added 555 jobs, making it the city’s fourth-largest employment sector.
In the mid-1980s, Waxahachie became a filming location for the movie industry.
The majority of Tender Mercies, a 1983 film about a country western singer, was filmed in Waxahachie. Director Bruce Beresford deliberately avoided the city’s picturesque elements and Victorian architecture, and instead filmed more rural locations that more closely resembled the West Texas area. The Texas town portrayed in Tender Mercies is never specifically identified. Tender Mercies starred Robert Duvall, who won the 1983 Academy Award for Best Actor for his role in the film.
The 1984 film Places in the Heart starring Sally Field was also filmed in Waxahachie. Unlike Tender Mercies, it was filmed deliberately in the town square and used the Victorian and plantation homes still intact in the area. Field won the Academy Award for Best Actress in 1985 for her role in the film.
The 1985 film The Trip to Bountiful starring Geraldine Page was also filmed in Waxahachie. Page won the Academy Award for Best Actress in 1986 for her role in Bountiful.
Other movies made in or around Waxahachie are:
Additionally, the long-running television series Walker, Texas Ranger, starring Chuck Norris, was filmed in Waxahachie on occasion. Some scenes in Prison Break were filmed in Waxahachie. Scenes from Bonnie and Clyde (1967) were also shot here.
In 2018, an animated short film from Crypt TV titled Dark Vessel featured the town as its 1977-based setting.
In 2021, Miranda Lambert, Jon Randall and Jack Ingram released a song named for the city on their acoustic album The Marfa Tapes. It was later recorded again with full production for inclusion on Lambert’s solo album Palomino in 2022.
Sabinas in Coahuila, Mexico, has been proposed as Waxahachie’s sister city. Sabinas is located about 70 miles (110 km) south of Eagle Pass, Texas.
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.
