Insurance Requirements for Owner Operators Wichita Falls, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Wichita Falls, 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 Wichita Falls, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Wichita Falls, 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.
Wichita Falls ( WITCH-i-tah) is a city in and the county seat of Wichita County, Texas, United States. It is the principal city of the Wichita Falls metropolitan statistical area, which encompasses all of Archer, Clay, and Wichita Counties. According to the 2010 census, it had a population of 104,553, making it the 38th-most populous city in Texas. In addition, its central business district is 5 miles (8 km) from Sheppard Air Force Base, which is home to the Air Force’s largest technical training wing and the Euro-NATO Joint Jet Pilot Training program, the world’s only multinationally staffed and managed flight-training program chartered to produce combat pilots for both the USAF and NATO.
The city is home to the Newby-McMahon Building (otherwise known as the “world’s littlest skyscraper”), constructed downtown in 1919 and featured in Robert Ripley’s Ripley’s Believe It or Not!.
The Choctaw Native Americans settled the area in the early 1800s from their native Mississippi area once Americans displaced them after the Treaty of Dancing Rabbit Creek. The treaty was signed and proclaimed in 1830-1831. As late as 1841, a large Indian settlement was present in the area that is now the city of Wichita Falls.
American settlers arrived in the 1860s, mainly as cattle ranchers. The city was named Wichita Falls on September 27, 1876, as the Wichita River runs through the area and a waterfall was in the river’s course in 1876. Just 10 years later in 1886, a flood destroyed the original waterfall on the Wichita River for which the city was named. After nearly 100 years of visitors wanting to visit the no longer existing falls, the city built an artificial waterfall beside the river in Lucy Park. The recreated falls are 54 ft (16 m) high and recirculate at 3,500 gallons per minute. They are visible to south-bound traffic on Interstate 44.
On the day the city was named in 1876, a sale of town lots was held at what is now the corner of Seventh and Ohio Streets – the birthplace of the city. The Fort Worth & Denver City Railway arrived in September 1882, the same year the city became the county seat of Wichita County. The city grew westwards from the original FW&DC train depot which was located at the northwest corner of Seventh Street and the FW&DC. This area is now referred to as the Depot Square Historic District, which has been declared a Texas Historic Landmark.
The early history of Wichita Falls well into the 20th century also rests on the work of two entrepreneurs, Joseph A. Kemp and his brother-in-law, Frank Kell. Kemp and Kell were pioneers in food processing and retailing, flour milling, railroads, cattle, banking, and oil.
Downtown Wichita Falls was the city’s main shopping area for many years. Those shops lost ground to the creation of new shopping centers throughout the city beginning with Parker Square in 1953 and other similar developments during the 1960s and 1970s, culminating with the opening of Sikes Senter Mall in 1974. The city has been seeking funding to rebuild and restore the downtown area since 2010.
Wichita Falls was once home to offices of several oil companies and related industries, along with oil refineries operated by the Continental Oil Company (now ConocoPhillips) until 1952 and Panhandle Oil Company American Petrofina until 1965. Both firms continued to use a portion of their former refineries as gasoline/oil terminal facilities for many years.
A devastating tornado hit the northern and northwestern portions of Wichita Falls, along with Sheppard Air Force Base during the afternoon of April 3, 1964 (later referred to as “Black Friday”). As the first violent tornado on record to hit the Wichita Falls area, it left seven dead and more than 100 injured. Additionally, the tornado caused roughly $15 million in property damage with about 225 homes destroyed and another 250 damaged. It was rated F5, the highest rating on the Fujita scale, but it is overshadowed by the 1979 tornado.
An F4 tornado struck the heavily populated southern sections of Wichita Falls in the late afternoon on Tuesday, April 10, 1979 (known as “Terrible Tuesday”). It was part of an outbreak that produced 30 tornadoes around the region. Despite having nearly an hour’s advance warning that severe weather was imminent, 42 people were killed (including 25 in vehicles) and 1,800 were injured because it arrived just as many people were driving home from work. It left 20,000 people homeless and caused $400 million in damage, a U.S. record not topped by an individual tornado until the F5 Moore–Oklahoma City tornado of May 3, 1999.
Wichita Falls is about 15 miles (24 km) south of the border with Oklahoma, 115 mi (185 km) northwest of Fort Worth, and 140 mi (230 km) southwest of Oklahoma City. According to the United States Census Bureau, the city has a total area of 70.71 square miles (183.1 km), of which 0.02 square miles (0.052 km) (0.03%) is covered by water.
Wichita Falls experiences a humid subtropical climate (Köppen climate classification Cfa), featuring long, very hot and humid summers, and cool winters. The city has some of the highest summer daily maximum temperatures in the entire U.S. outside of the Desert Southwest. Temperatures have hit 100 °F (38 °C) as early as March 27 and as late as October 17, but more typically reach that level on 28 days annually, with 102 days of 90 °F (32 °C) or higher annually; the average window for the latter mark is April 9–October 10. However, 59 to 60 nights of freezing lows occur, and an average of 4.8 days where the high does not rise above freezing. The monthly daily average temperature ranges from 42.0 °F (5.6 °C) in January to 84.4 °F (29.1 °C) in July. The record low temperature is −12 °F (−24 °C) on January 4, 1947. The highest recorded temperature is 117 °F (47 °C) on June 28, 1980. Snowfall is sporadic and averages 4.1 in (10 cm) per season, while rainfall is typically greatest in early summer.
From 2010 through 2013, Wichita Falls, along with a large portion of the south-central US, experienced a persistent drought. In September 2011, Wichita Falls became the first Texas city to have 100 days of 100 °F (38 °C) or higher within one year. On every day from June 22 to August 12, the temperature reached 100 °F or higher, and from May 27 to September 3, the temperature reached 90 °F or higher. In addition, the all-time warm daily minimum of 88 °F (31 °C) was set on July 26, and June, July, and August of that year were all the hottest on record.
During the 2015 Texas–Oklahoma floods, Wichita Falls broke its all-time record for the wettest month, with 17.00 inches of rain recorded in May 2015.
Notes:
As of the 2020 United States census, 102,316 people, 37,297 households, and 23,087 families resided in the city.
According to Wichita Falls Chamber of Commerce, the top employers in the city are:
Wichita Falls’ media market also includes the nearby, smaller city of Lawton, Oklahoma. According to Nielsen Media Research estimates for the 2016–17 season, the market – which encompasses 10 counties in western North Texas and six counties in southwestern Oklahoma, has 152,950 households with at least one television set, making it the 148th-largest television market in the United States; the market also has an average of 120,200 radio listeners ages 12 and over, making it the 250th-largest radio market in the nation.
KERA-TV out of Dallas–Fort Worth serves as the default PBS member station for Wichita Falls via a translator station on UHF channel 44.
Lucy Park is a 170-acre (69 ha) park with a log cabin, duck pond, swimming pool, playground, frisbee golf course, and picnic areas. It has multiple paved walkways suitable for walking, running, biking, or rollerskating, including a river walk that goes to a recreation of the original falls for which the city was named (the original falls were destroyed in a 19th-century flood; the new falls were built in response to numerous tourist requests to visit the “Wichita Falls”). It is one of 37 parks throughout the city. The parks range in size from small neighborhood facilities to the 258 acres of Weeks Park featuring the Champions Course at Weeks Park, an 18-hole golf course. In addition, an off-leash dog park is within Lake Wichita Park and a skatepark adjacent to the city’s softball complex. Also, unpaved trails for off-road biking and hiking are available.
Wichita Falls is the home of the annual Hotter’N Hell Hundred, the largest single-day century bicycle ride in the United States and one of the largest races in the world. The race started as a way for the city to celebrate its centennial in 1982. The race takes place over a weekend in August, and multiple events are hosted for people to participate.
In 2014, the Wichita Falls Nighthawks, an indoor football team, joined the Indoor Football League but suspended operations after the 2017 season.
The city has also been home to a number of semiprofessional, developmental, and minor league sports teams, including the Wichita Falls Drillers, a semipro football team that has won numerous league titles and a national championship; Wichita Falls Kings (formerly known as Wichita Falls Razorbacks), the professional basketball team Wichita Falls Texans of the Continental Basketball Association; Wichita Falls Fever in the Lone Star Soccer Alliance (1989–92); the Wichita Falls Spudders baseball team in the Texas League; the Wichita Falls Wildcats (formerly the Wichita Falls Rustlers) of the North American Hockey League, an American Tier II junior hockey league; and the Wichita Falls Roughnecks (formerly the Graham Roughnecks) of the Texas Collegiate League. The Dallas Cowboys held training camp in Wichita Falls during the late 1990s. However, the sustainability of minor or rookie league sports franchises in the Wichita Falls region have a questionable future.
The Professional Wrestling Hall of Fame relocated to Wichita Falls from Amsterdam, New York, in November 2015.
The mayor of Wichita Falls is Stephen Santellana, who was elected in 2016 and re-elected in 2018. Mayors are elected on a nonpartisan ballot.
The Wichita Falls City Council has six members:
The city manager is Darron Leiker.
Wichita Falls is located in the 69th district of the Texas House of Representatives. Lanham Lyne, a Republican, represented the district from 2011 to 2013; he was the mayor of Wichita Falls from 2005 to 2010. When Lyne declined to seek a second term in 2012, voters chose another Republican, James Frank. Wichita Falls is located in the 30th district of the Texas Senate. Craig Estes, a Republican, had held the senate seat since 2001, until Pat Fallon won election in 2018. Wichita Falls is part of Texas’s 13th congressional district for the U.S. House of Representatives. Ronny Jackson, a Republican, has held this seat since 2021. The 13th District is considered the most conservative district in the country, according to the Cook Political Report 2018.
The Texas Department of Criminal Justice James V. Allred Unit is located in Wichita Falls, 4 mi (6.4 km) northwest of downtown. The prison is named for former Governor James V. Allred, a Democrat and a native of Bowie, Texas, who lived early in his career in Wichita Falls. The United States Postal Service operates the Wichita Falls Post Office, the Morningside Post Office, the Bridge Creek Post Office, and the Sheppard Air Force Base Post Office.
Public primary and secondary education is covered by the following school districts: Wichita Falls Independent School District, City View Independent School District, Burkburnett Independent School District, and Iowa Park Consolidated Independent School District. Several private and parochial schools operate in the city, as does an active home-school community. Many of the local elementary schools participate in the Head Start program for preschool-aged children.
Two schools in the Wichita Falls ISD participate in the International Baccalaureate programs. Hirschi High School offers the IB Diploma Programme, and G.H. Kirby Junior High School for the Middle Years Programme. Other public high schools are Wichita Falls High School and S. H. Rider High School (Wichita Falls ISD) and City View High School (City View ISD).
By 1879, the first school was established. The first public school was a log structure established in the 1880s; in 1885, it was replaced with a former courthouse. Wichita Falls High School opened in 1890. That year, a school district was created, but problems with the law allowing its establishment meant it was dissolved in 1894 and the city provided schooling until the second establishment of a school district in 1900. In 1908, the Texas Legislature issued a charter for WFISD.
The city has a school for German children, Deutsche Schule Sheppard (DSS).
Wichita Falls is home to Midwestern State University, an accredited four-year college in the Texas Tech University System and the only independent liberal arts college in Texas offering both bachelor’s and master’s degrees.
Vernon College is the designated community college for all of Wichita County. A local branch nearby offers two-year degrees, certificate programs, and workforce development programs
Wayland Baptist University, offering both bachelor’s and master’s degrees, has its main branch located in Plainview, Texas.
Wichita Falls is the western terminus for Interstate 44. U.S. Highways leading to or through Wichita Falls include 287, 277, 281, and 82. State Highway 240 ends at Wichita Falls and State Highway 79 runs through it. Wichita Falls has one of the largest freeway mileages for a city of its size as a result of a 1954 bond issue approved by city and county voters to purchase rights-of-way for several expressway routes through the city and county, the first of which was opened in the year 1958 as an alignment of U.S. 287 from Eighth Street at Broad and Holliday Streets northwestward across the Wichita River and bisecting Lucy and Scotland Parks to the Old Iowa Park Road, the original U.S. 287 alignment. That was followed by other expressway links including U.S. 82–287 east to Henrietta (completed in the year 1968), U.S. 281 south toward Jacksboro (completed 1969), U.S. 287 northwest to Iowa Park and Electra (opened 1962), Interstate 44 north to Burkburnett and the Red River (opened 1964), and Interstate 44 from Old Iowa Park Road to U.S. 287/Spur 325 interchange on the city’s north side along with Spur 325 from I-44/U.S. 287 to the main gate of Sheppard Air Force Base (both completed as a single project in 1960). However, cross-country traffic for many years had to contend with several ground-level intersections and traffic lights over Holliday and Broad Streets near the downtown area for about 13 blocks between connecting expressway links until a new elevated freeway running overhead was completed in 2001.
Efforts to create an additional freeway along the path of Kell Boulevard for U.S. 82–277 began in 1967 with the acquisition of right-of-way that included a former railroad right-of-way and the first project including construction of the present frontage roads completed in 1977, followed by freeway lanes, overpasses, and on/off ramps in 1989 from just east of Brook Avenue west to Kemp Boulevard; similar projects west from Kemp to Barnett Road in 2001 followed by Barnett Road west past FM 369 in 2010 to tie in which a project now underway to transform U.S. 277 into a continuous four-lane expressway between Wichita Falls and Abilene.
The city operates a bus system, Falls Ride, which runs on an hourly schedule with seven routes (except on Sundays, when only one route is in operation).
Greyhound Lines provides intercity bus service to other locations served by Greyhound via its new terminal at the Wichita Falls Travel Center located at Fourth and Scott in downtown. Skylark Van Service shuttles passengers to and from Dallas-Fort Worth International Airport on several runs during the day all week long.
The Wichita Falls Municipal Airport is served by American Eagle, with four flights daily to the Dallas/Fort Worth International Airport. The Kickapoo Downtown Airport and the Wichita Valley Airport serve smaller, private planes.
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.