Owner Operator Insurance Requirements Burleson, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Burleson, 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 Burleson, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Burleson, 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.
Burleson ( BUR-li-sən) is a city in Johnson and Tarrant counties in the U.S. state of Texas. It is a suburb of Fort Worth. At the 2010 census it had a population of 36,690, and in 2019 it had an estimated population of 48,225. By the 2020 census, its population grew to 47,641 with a 2021 census-estimated population of 51,618.
The Missouri–Kansas–Texas Railroad, known as “the Katy”, extended its service from Denison to Waco. In 1880 the segment from Fort Worth to Alvarado was being laid out, and a midway depot was needed. Grenville M. Dodge, representing the railroad, purchased land for the depot and a town surrounding it from Rev. Henry C. Renfro at the site of what is now called “Old Town” Burleson. As part of the agreement, Renfro named the town “Burleson”, in honor of his teacher Rufus Columbus Burleson, the president of Baylor University. The first lot was sold on October 10, 1880, the date now considered the city’s “founding day”.
The Burleson Post Office opened in 1882, inside a retail establishment, as was common for small towns at the time. On February 20, 1895, a fire burned down most of the business district, along with several houses. One of the Katy workers, J. C. Jones, had stayed in Burleson and opened a water works for the town, drilling a deep well that provided dozens of hydrants for the residents, but they were not sufficient to extinguish the fire. By the end of the 1800s, Burleson was a bustling rural town, with farms all around, schools, a grocery store, cotton gins and grist mills, a general store, a druggist, a bank, and a jeweler. In 1899, a group of nine women formed a society for cultural advancement and called it the Eumathian Club. The women acquired books, loaned them, and held readings, discussions, and music recitals.
In 1909 the Texas Legislature passed a bill forming the Burleson Independent School District. Construction began in 1912 of the Northern Texas Traction Company interurban line between Fort Worth and Cleburne, with Burleson as a stop along the way. The first day of service was September 1, 1912, with 1,200 passengers on the ten passenger runs that day. Two freight runs per day were made as well. The interurban line provided for the first time two very important things to Burleson: easy access to Fort Worth and Cleburne, and electricity. The interurban station was operated out of a drugstore, whose proprietor became ticket master, and who served travelers pastries and soda from the soda fountain. The old drugstore/station still exists, as the Burleson Heritage Museum at the Burleson Visitor’s Center, as do two of the interurban cars.
That year, a petition was sent to a Johnson County judge proposing to incorporate the “Town of Burleson”, including a survey of the town limits that included most of the original town as set out by Grenville Dodge. An election was held, the petition passed, and the county judge ordered it so. On May 21, 1912, Burleson was incorporated.
The 1920 census showed the population of Burleson to be 241. In 1930 the population was 591. Due to the increasing popularity of automobiles, combined with the Great Depression, the interurban line closed in 1931. In 1940 the population decreased to 573, as people had left Burleson during the depression to find jobs wherever they could. In 1950 the population was 791, and grew to 2,345 in 1960, perhaps partly due to the opening of Interstate 35 through the town that year. By 1970 the population was 7,713, by 1980 11,734. In 1990 the population of Burleson was 16,113. In 2000 the population had grown to 20,976, and in 2010 there were 36,690 people in Burleson.
Most of Burleson is in northern Johnson County, with a small portion extending north into Tarrant County. The city is bordered to the north by the cities of Crowley and Fort Worth, and to the southwest by the city of Joshua. The Burleson city limits extend southeast from the city center 8 miles (13 km) in a narrow corridor toward Alvarado along Interstate 35W. I-35W leads north 15 miles (24 km) to the center of Fort Worth and south 40 miles (64 km) to Hillsboro. Texas State Highway 174 begins at I-35W in the northern part of Burleson and runs southwest 15 miles (24 km) to Cleburne, the Johnson county seat.
As of 2010, Burleson had a total area of 26.07 square miles (67.52 km), of which 26.01 square miles (67.36 km) were land and 0.07 square miles (0.17 km), or 0.25%, were water. Village Creek, a tributary of the Trinity River, flows to the northeast through the city. Most of Burleson lies between 700 and 800 feet (210 and 240 m) in elevation.
The climate is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Burleson has a humid subtropical climate, abbreviated “Cfa” on climate maps.
July and August are typically the hottest months, with highs averaging around 95 °F (35 °C) and lows around 72 °F (22 °C). December and January are the coldest months, with highs averaging 56 °F (13 °C) and lows around 34 °F (1 °C). Average annual rainfall is 37 inches (940 mm) per year.
Since the 1920 United States census, Burleson has experienced positive population growth trends. According to the 2020 United States census, there were 47,641 people, 15,979 households, and 12,330 families residing in the city. Per the 2020 census, its racial and ethnic makeup was 72.16% non-Hispanic white, 4.41% African American or Black, 0.49% American Indian or Alaska Native, 1.51% Asian American, 0.09% Pacific Islander, 0.39% some other race, 4.71% multiracial, and 16.26% Hispanic or Latino American of any race.
According to Burleson’s 2014 Comprehensive Annual Financial Report, the top employers in the city were:
Burleson is served primarily by the Burleson Independent School District (BISD), the Joshua Independent School District (JISD), the Everman Independent School District (EISD), and a small part of the Mansfield Independent School District (MISD).
BISD high schools include Burleson High School, Burleson Centennial High School, Game Development Design School (formerly REALM), and Burleson Collegiate High School. The Burleson Higher Education Center provides a local campus for Hill College and Texas Tech University.
Fort Worth Spinks Airport is located on the northern edge of the Burleson city limits.
