Owner Operator Insurance Requirements Denton, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Denton, 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 Denton, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Denton, 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.
Denton is a city in and the county seat of Denton County, Texas, United States. With a population of 139,869 as of 2020, it is the 27th-most populous city in Texas, the 197th-most populous city in the United States, and the 12th-most populous city in the Dallas–Fort Worth metroplex.
A Texas land grant led to the formation of Denton County in 1846, and the city was incorporated in 1866. Both were named after pioneer and Texas militia captain John B. Denton. The arrival of a railroad line in the city in 1881 spurred population, and the establishment of the University of North Texas in 1890 and Texas Woman’s University in 1901 distinguished the city from neighboring regions. After the construction of Dallas/Fort Worth International Airport finished in 1974, the city had more rapid growth; as of 2011, Denton was the seventh-fastest growing city with a population of over 100,000 in the country.
Located on the far north end of the Dallas–Fort Worth metroplex in North Texas on Interstate 35, Denton is known for its active music scene; the North Texas State Fair and Rodeo, Denton Arts and Jazz Festival, and Thin Line Fest attract over 300,000 people to the city each year. The city has hot, humid summers and few extreme weather events. Its diverse citizenry is represented by a nonpartisan city council, and numerous county and state departments have offices in the city. With over 45,000 students enrolled at the two universities within its city limits, Denton is often characterized as a college town. As a result of the universities’ growth, educational services play a large role in the city’s economy. Residents are served by the Denton County Transportation Authority, which provides commuter rail and bus service to the area.
Denton’s formation is closely tied to that of Denton County. White settlement of the area began in the mid-1800s when William S. Peters of Kentucky obtained a land grant from the Texas Congress and named it Peters Colony. After initial settlement in the southeast part of the county in 1843, the Texas Legislature voted to form Denton County in 1846. Both the county and the town were named for John B. Denton, a preacher and lawyer who was killed in 1841 during a skirmish with the Kichai people in what is now Tarrant County. Pickneyville and Alton were selected as the county seat before Denton was named the seat in 1857. That year, a commission laid out the city and named the first streets.
On July 8, 1860, approximately half of the downtown Square burned down in what was later called the “Texas Troubles”. Fires occurred in ten Texas communities that day, including Dallas and Pilot Point, and were quickly attributed to a slave insurrection. By the end of July, vigilante justice took hold and “egularly constituted law-enforcement agencies stepped aside to allow the vigilantes to do their work. Although no hard evidence was ever adduced to prove the guilt of a single alleged black arsonist or white abolitionist, many unfortunates of both classes were nevertheless hanged for their alleged crimes.”
In February 1861, a statewide referendum was held and Texans voted to join the Confederate States of America.
Denton incorporated in 1866; its first mayor was J.B. Sawyer. As the city expanded beyond its original boundaries (which extended half a mile in every direction from center of the public square), it became an agricultural trade center for the mill and cottage industries. The arrival of the Texas and Pacific Railway in 1881 gave Denton its first rail connection and brought an influx of people to the area. North Texas Normal College, now the University of North Texas, was established in 1890, and the Girls’ Industrial College, now Texas Woman’s University, was founded in 1901. As the universities increased in size, their impact on Denton’s economy and culture increased. Electricity came to Denton in 1905 with the creation of Denton Municipal Electric.
After the Civil War, “Freedmen Settlements” were started throughout the South. One Freedman Settlement, Quakertown, thrived just south of what is now Texas Woman’s University until around 1920, when the city government forcibly removed the residents to make way for a park. Quakertown’s Black children were served separately from white children by the Frederick Douglass School. Originally scheduled to open in September 1913, it was mysteriously burned down the night before its scheduled opening. It was rebuilt and in 1949 renamed the “Fred Moore School”.
Denton’s population grew from 26,844 in 1960 to 48,063 in 1980. Its connection to the Dallas–Fort Worth metroplex via I-35E and I-35W played a major role in the growth, and the opening of Dallas/Fort Worth International Airport in 1974 led to a population increase. In the 1980s, heavy manufacturing companies like Victor Equipment Company and Peterbilt joined older manufacturing firms such as Moore Business Forms and Morrison Milling Company in Denton. The population rose from 66,270 in 1990 to 80,537 in 2000. In May 2006, Houston-based real estate company United Equities purchased the 100-block of Fry Street and announced that several of the historic buildings would be demolished and the businesses displaced to accommodate a new mixed-use commercial center. Some residents, who sought to preserve the area as a historic and cultural icon, opposed the proposal. The Denton City Council approved a new proposal for the area from Dinerstein Cos in 2010.
Denton is on the northern edge of the Dallas–Fort Worth metropolitan area. These three cities form the area known as the “Golden Triangle of North Texas”. According to the United States Census Bureau, the city has an area of 89.316 square miles (231.33 km), of which 87.952 square miles (227.79 km) is land and 1.364 square miles (3.53 km) is covered by water. The city lies in the northeast edge of the Bend Arch–Fort Worth Basin, which is characterized by flat terrain. Elevation ranges from 500 to 900 feet (150 to 270 m). Part of the city is atop the Barnett Shale, a geological formation believed to contain large quantities of natural gas. Lewisville Lake, a man-made reservoir, is 15 miles (24 km) south of the city.
With its hot, humid summers and cool winters, Denton’s climate is characterized as humid subtropical and is within USDA hardiness zone 8a. The city’s all-time high temperature is 113 °F (45 °C), recorded in 1954. Dry winds affect the area in the summer and can bring temperatures of over 100 °F (38 °C), although the average summer temperature highs range from 91 to 96 °F (33 to 36 °C) between June and August. The all-time recorded low is −6 °F (−21 °C), set on February 16, 2021, and the coolest month is January, with daily low temperatures averaging 33 °F (1 °C). Denton lies on the southern end of what is commonly referred to as “Tornado Alley”; the National Weather Service occasionally issues tornado watches, but tornadoes rarely form in the city. The city receives about 37.7 inches (96 cm) of rain per year. Flash floods and severe thunderstorms are frequent in the spring. Average snowfall is similar to the Dallas–Fort Worth average of 2.4 inches (6.1 cm) per year.
Along with much of the Dallas–Fort Worth metroplex, Denton has grown rapidly since the beginning of the 21st century, becoming the seventh-fastest growing city in the U.S. with a population over 100,000 between 2010 and 2011. The median income for a household was $60,018 in 2020. The per capita income was $29,109. About 15.7% of the population were below the poverty line. Denton fares above the national average with 90.4% of the population high school graduated or higher and 38.9% with a bachelor’s degree or higher. According to the 2020 United States census, there were 139,869 people, 47,777 households, and 28,430 families residing in the city. Denton’s population made it the 197th largest city in the United States and the 27th largest in Texas per the 2020 census.
The United States Census Bureau defines an urban area of northern Dallas-area suburbs that are separated from the Dallas–Forth Worth urban area, with Denton and Lewisville as the principal cities: the Denton–Lewisville, TX urban area had a population of 429,461 as of the 2020 census, ranked 96th in the United States.
The educational services, health and social services, manufacturing, and general retail sectors employ over 20,000 people in Denton. The city’s three largest educational institutions, including the University of North Texas, Denton Independent School District, and Texas Woman’s University, are the largest employers, employing almost 12,000 people. The University of North Texas is the city’s largest employer, with 7,764 employees comprising 12.59% of the workforce. The City of Denton also employs more than 1,334 people. Wholesale trade and hospitality jobs also play major roles. Notable businesses headquartered in Denton include truck manufacturer Peterbilt, beauty supplier Sally Beauty Company, and jewelry producer Jostens. Golden Triangle Mall, the city’s largest shopping complex with over 90 specialty shops, is a major source of retail trade.
According to the city’s 2020 Comprehensive Annual Financial Report, the top employers in Denton were:
Denton is home to several annual artistic and cultural events that cater to residents and tourists. The annual North Texas State Fair and Rodeo began in 1928 and promotes Texas’s cowboy culture. In addition to a rodeo, the event features several local country rock performances, pageants, and food contests. Hosted by the North Texas State Fairgrounds since 1948, the fair brings in over 150,000 people during its nine-day run.
The Denton Municipal Airport has hosted the annual Denton Airshow since 1998. The event includes aerial demonstrations and airplane exhibits; it attracted over 10,000 attendees in 2012. Other events in the city include an annual Redbud Festival, the Fiesta on the Square, and the Thin Line Fest. Denton houses the largest community garden in the nation, Shiloh Field Community Garden, which covers 14.5 acres.
Denton’s independent music scene has emerged alongside its academic music establishments, including the University of North Texas College of Music. The city’s live music venues are largely supported by Denton’s college-town atmosphere, although show attendance is bolstered by area residents. Since 1976 the Denton Community Band and Jazz Ensemble has provided performance opportunities at local concerts and holiday festivals for the many talented amateur musicians incubated in Denton’s rich environment of music education. The Dallas Observer features a column on Denton’s music scene. In 2007 and 2008, Denton’s music scene received feature attention from The Guardian, Pop Matters, and The New York Times. Paste Magazine named Denton’s music scene the best in the nation in 2008. In 2014, the Huffington Post listed Denton as Texas’s top emerging cultural hot spot, calling Denton “practically an indie band factory at this point”.
The city-sponsored Denton Arts and Jazz Festival attracts over 200,000 people each year for live music, food, crafts, and recreation at Civic Center Park. With hopes to create a live music event like South by Southwest, Denton held the first North by 35 Music Festival, later renamed 35 Denton, in March 2009. The festival ceased in 2017 after running annually for several years. The city has also hosted the annual film and music festival Thin Line Fest annually since 2007. It is Texas’s longest-running documentary film festival and attracts thousands of tourists over a few days each year.
The Denton Square, bordered by Oak, Hickory, Locust, and Elm Streets, is a cultural and political hub of the city. At its center is the Denton County Courthouse-on-the-Square, which includes local government offices and a museum showcasing area history and culture.
Listed on the U.S. National Register of Historic Places, the former county courthouse was restored for the Texas Sesquicentennial in 1986. The positive response to the renovation sparked a downtown revitalization program that generated new jobs and reinvestment capital. The downtown square is populated by local shops and restaurants, some of which have been in business since the 1940s. Each year, the downtown square is adorned with lights and spotlighted during the Denton Holiday Lighting Festival.
In 1918, the Daughters of the Confederacy erected the Denton Confederate Soldier Monument, a 12-foot tall (3.7 m) granite, arched monument topped with a statue of a Confederate soldier, in the Denton Square on the courthouse lawn. The monument was controversial, and Denton County Commissioners unanimously approved its removal on June 9, 2020.
Denton is the county seat of Denton County. From 1914 to 1959, the City of Denton used a mayor–city commission system, but a charter adopted in 1959 created a council–manager form of city government. Residents elect a mayor, four single-member district council members, and two at-large members. The Denton City Council appoints the city manager. Council terms are for two years, with a maximum of three consecutive terms, and elections are held each year in May. Denton Municipal Utilities administers utilities; the city provides water, wastewater, electric, drainage and solid waste service. The electric utility, Denton Municipal Electric (DME), has been in operation since 1905. In 2009, DME began providing 40% of its energy to customers through renewable resources. The City of Denton Water Utilities Department serves the city’s water demand. Atmos Energy provides the city’s natural gas. Denton is a part of the Sister Cities International program and maintains cultural and economic exchange programs with its sister cities, Madaba, Jordan, and San Nicolás de los Garza, Mexico.
Denton 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.
Denton is historically a solidly Republican-voting city, but it has become more competitive in national elections as its population has diversified, shifting toward the Democratic Party in more recent elections.
After the 2021 redistricting process, new and significantly different political boundaries were set for Denton County. Starting in 2023, most of Denton will be in the 13th Congressional district. The southwest portions of the city will be in the 26th Congressional district.
Almost all of the city is in newly drawn Texas House district 64. Some portions of south, north, and far east Denton are in Texas House districts 57 and 106. All of the city is in the new Texas Senate district 30, except for some western portions in district 12.
Several Texas state agencies have facilities in the city, including a Texas Workforce Center, a Texas Department of Public Safety office, a Texas Department of Criminal Justice office, and a Denton District Parole Office.
The Denton State Supported Living Center, formerly Denton State School, is Texas’s largest residential facility for people with developmental disabilities. It serves an 18-county area and employs approximately 1,500 people.
The Federal Emergency Management Agency (FEMA) has its Region VI headquarters in Denton.
All Denton city council and mayoral terms are two years, unlike in most cities in the area, which use three-year terms. Even-numbered years bring the elections of the three at-large seats, places 5 & 6 and mayor. Odd-numbered years bring the elections of the four district council members.
The mayor is Gerard Hudspeth, who was elected in 2020 and reelected in 2022.
In 2014, city voters approved a ban on fracking.
In 2022, city voters approved decriminalization of possession of misdemeanor amounts of marijuana.
Denton Independent School District (DISD) provides the public primary and secondary educational system in the majority of the city. The district comprises four comprehensive high schools (Braswell, Denton, Guyer, and Ryan), one alternative high school, and multiple elementary and middle schools. Small portions of the city extend into the Argyle, Krum, Ponder, and Sanger school districts. The respective comprehensive high schools of these districts are: Argyle, Krum, Ponder, and Sanger.
Denton is also host to several private schools with religious affiliations and alternative education models. According to the 2010 United States Census, 35.1% of all adults over the age of 25 in Denton have obtained a bachelor’s degree, as compared to the state average of 25.8%, and 86.1% of residents over the age of 25 have earned a high school diploma, as compared to the state average of 80%.
The high school residential program Texas Academy of Mathematics and Science, for gifted students, is in Denton.
The Roman Catholic Immaculate Conception Catholic School, a K–8 school of the Roman Catholic Diocese of Fort Worth, opened in 1995. Construction on the current facility started on July 15, 2001, with its opening on August 19, 2002.
The charter school operator Life’s Beautiful Educational Centers Inc. (closed 1999) operated the school L.O.V.E. in Denton.
Denton is served by the Denton Public Library, which has three branches: Emily Fowler Central Library, North Branch Library, and South Branch Library.
The University of North Texas (UNT) in Denton is the flagship university of the University of North Texas System, which also includes the UNT Health Science Center in Fort Worth, the University of North Texas at Dallas, UNT Dallas College of Law, and a satellite campus in Frisco. With an enrollment of over 42,000, it’s the fifth largest university in Texas. The university is accredited by the Southern Association of Colleges and Schools (SACS). Its College of Music, the first school to offer a degree in the field of jazz studies, is internationally recognized and known for producing successful artists.
Texas Woman’s University (TWU) is a public university system in Denton with two health science center campuses in Dallas and Houston. Founded in 1901, the university enrolls more than 13,000 undergraduates and graduates. Men have been admitted to TWU since 1972 but make up less than ten percent of the university. TWU’s College of Nursing is the second largest in Texas and in the top 20 of largest nursing programs in the United States, and the school’s nursing doctoral program is the largest in the world.
North Central Texas College (NCTC) is a public community college based in Gainesville, Texas. Starting in the 2019–2020 school year, North Central Texas College partnered with First State Bank to open a branch campus in downtown Denton. Located in the former Denton Record-Chronicle building, the campus focuses on accounting, business, biology, early childhood education, kinesiology, psychology, and general studies.
Since 1899, the Denton Record-Chronicle has been the newspaper of record for Denton. When it was acquired by Belo Corporation in 1999, the newspaper had a circulation of 16,000. The North Texas Daily and The Lasso provide daily and weekly news to students at the University of North Texas and Texas Woman’s University. The city’s public television station, Denton TV (DTV), covers city council meetings, restaurant scores, high school football, and educational programming. UNT’s television station, ntTV, is broadcast on local channels provided by Charter Communications and Verizon Communications. ntTV News is broadcast live Monday through Thursday. KNTU 88.1 FM is UNT’s official radio station. First aired in 1969, the station primarily plays a mixture of jazz and blues and covers local sports and news.
Two major hospitals operate in Denton: Medical City Denton and Texas Health Presbyterian Hospital Denton are both full-service hospitals with differing capacities: 208 beds and 255 beds, respectively. Each employs more than 800 employees and are licensed with emergency services.
In response to the previously mentioned, 2014 city referendum prohibiting hydraulic fracturing (fracking) that passed with 59% of the vote, Texas enacted a law specifying “the exclusive jurisdiction of this state to regulate oil and gas operations in this state and the express preemption of local regulation of those operations”, though it allows some “commercially reasonable” rules. Denton’s city council put out a statement affirming it will “continue to enforce our current regulations to protect the health and safety of our residents, but we do not know how the operators or courts will react”.
I-35E and I-35W, which split in Hillsboro south of the Metroplex and come north through Dallas and Fort Worth respectively, rejoin near the University of North Texas campus in the southwest part of Denton to form Interstate 35 as it continues north on its way to Oklahoma. Loop 288 partially encircles the city; it passes through the northern limits of the city by C. H. Collins Athletic Complex and the eastern side near Golden Triangle Mall. Highway 77 and 377 go through the historic town square and Highway 380 connects Denton to Frisco and McKinney in the east and Decatur in the west. Denton Enterprise Airport is a public airport located 3 miles (4.8 km) west of the central business district (CBD) of Denton. This airport serves as home to various cargo and charter operators as well as two flight schools. A new terminal opened in 2008, but as of June 2008 no scheduled commuter service is in place.
Denton is served by the Denton County Transportation Authority (DCTA), which operates local bus service, on-demand GoZone service, and regional rail to Lewisville and Carrollton, with connections to Dallas’ DART rail system. In 2011, Downtown Denton Transit Center and Medpark Station opened as commuter rail stations on DCTA’s A-train, which now has five stations and connects to the Green Line of Dallas Area Rapid Transit’s (DART) Green Line at Trinity Mills Station. The two transit companies, along with the Trinity Rail Express (TRE) of Fort Worth, offer regional passes to be used on any of the three systems. As of August, 2017 (no deadline announced), rides between the first two (DDTC and Medpark) and the last two (Hebron and Trinity Mills) are “fare-free,” though any ride to or through the 3rd stop (Lewisville Lake) will require a paid pass. DCTA states this will relocate downtown parking needs to the underutilized space at Medpark station, and enhance mobility in Downtown Denton, including for students, as well as for residents of Hebron who connect to the DART system one stop away at Trinity Mills.
DCTA also operates the Connect local bus service within Denton, special university shuttles, and on-demand GoZone services in partnership with TransitTech provider Via Transportation. All Connect services (not the A-train) are free of charge for students at the University of North Texas who swipe their ID at the bus entrance. Special Programs for Aging Needs (SPAN), a non-profit organization, offers paratransit service for senior citizens and people with disabilities of all ages.