Owner Operator Insurance Requirements Euless, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Euless, 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 Euless, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Euless, 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.
Euless ( YOO-liss) is a city in Tarrant County, Texas, United States, and a suburb of Dallas and Fort Worth. Euless is part of the Mid-Cities region between Dallas and Fort Worth. In 2020 Census, the population of Euless was 61,032. The population of the city increased by 19.02% in 10 years. The city’s population was 51,277 as of the 2010 census.
The southwestern portion of Dallas/Fort Worth International Airport is inside the city limits of Euless.
Euless is named after Elisha Adam Euless, a native of Tennessee who moved to Texas in 1867 and later bought 170 acres (0.69 km) of land on the current intersection of North Main St. and West Euless Boulevard. Euless started a cotton gin and a community center on his property and quickly became a prominent figure among other settlers. He was eventually elected county sheriff, both in 1892 and in 1894, after which Euless retired for health reasons. They[discuss] developed around the land Euless owned, and the locals decided to name the city in honor of him.
In 2009 the U.S. Fifth Circuit Court of Appeals sided against the City of Euless in Merced vs Kasson. The City had tried to prohibit Mr. Merced (a Santeria priest) from practicing religious animal sacrifice in his home temple. The Court found that the city ordinances substantially burdened Mr. Merced’s free exercise of religion and ordered that Mr. Merced could continue to practice his religious rituals. Also, the city was ordered to pay the plaintiff’s court fees.
Euless is located at 32°50′54″N 97°5′30″W / 32.84833°N 97.09167°W (32.848253, –97.091782).
According to the United States Census Bureau, the city has a total area of 16.3 square miles (42.1 km), all land.
As of the 2020 United States census, there were 61,032 people, 21,967 households, and 13,245 families residing in the city. 43.9% of the housing units were owned by the residents and the median value of the houses were estimated to be $200,500. 56.1% of the population lived in rented dwellings with median gross rent estimated to be $1,1536 per month. 6.1% of the population was under 5 years of age; similarly, 23% was under 18 years, 10.2% above 65% and 51% females. There were 2,376 veterans residing in the city. The average household size was 2.56 and the average family size was 3.31.
Euless is notable for having one of the largest concentrations of Tongans outside of Tonga, with a community of 3,000–4,000 people.
The first Tongans to settle in Euless were either Siupeli Netane, an American Airlines employee, and his wife Halatono or the brothers Sione and Tevita Havea, students at the University of Texas at Arlington, depending on sources.
In some neighborhoods in Euless, the Nepalese community is quite culturally prevalent. Many people of Nepali origin have come as refugees from Bhutan. Due to a high concentration of Nepalese residents in the adjacent city of Irving, many important Nepalese cultural and national holidays are celebrated throughout Euless.
Euless is located within the Mid-Cities region between Dallas and Fort Worth. Other cities within 10 miles (16 km) of Euless include Bedford to the west, Grapevine to the north, and Irving to the east.
According to the city’s 2007–2008 Comprehensive Annual Financial Report, the city’s various funds had $82.7 million in revenues, $73.7 million in expenditures, $239.5 million in total assets, $76.8 million in total liabilities, and $54.7 million in cash and investments.
The structure of the management and coordination of city services is:
The Euless City Council as of Jan 2022 consisted of:
The city of Euless 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.
Arbor Daze is a celebration of trees. It is usually held in the municipal complex on the last weekend of April from Saturday to Sunday. During Arbor Daze there is a business tent, an art tent and two concert stages, as well as a kids’ tent called Kidz Zone. Parking is available anywhere in the municipal complex or at the nearby church, First Baptist Euless.
The Arbor Daze festival has received over 47 awards and recognitions for excellent programs and publications, making it one of the most decorated festivals in Texas.
Euless has eight elementary schools, two junior high schools, and one high school. Most of Euless is served by the Hurst-Euless-Bedford Independent School District, some parts of the city belong to Grapevine-Colleyville Independent School District, Most GCISD residents are zoned to Bear Creek Elementary, with some to Grapevine Elementary School and Heritage Elementary School. Most GCISD grapevine students are zoned to Heritage Middle School, with some zoned to Colleyville Middle School. All are zoned to Colleyville Heritage High School.
There are two charter schools in the city: Harmony Science Academy (run by Harmony Public Schools) and Treetops School International.
The football team of Euless’s Trinity High School has achieved national notoriety for its pre-game and post-game ritual dance, the New Zealand Māori Ka Mate haka, started by several players of Tongan descent. The team won 5A Division 1 state football championships in 2005, 2007, and 2009 and was featured in an EA Sports commercial in 2010.
According to the city’s 2008 Comprehensive Annual Financial Report, the top employers in the city are:
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Euless has a humid subtropical climate, abbreviated “Cfa” on climate maps.
