Owner Operator Insurance Requirements Grapevine, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Grapevine, 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 Grapevine, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Grapevine, 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.
Grapevine is a city located in northeast Tarrant County, Texas, United States, with minor portions extending into Dallas County and Denton County. The city is located in the Mid-Cities suburban region between Dallas and Fort Worth and includes a larger portion of Dallas/Fort Worth International Airport than other cities.
The city is adjacent to Grapevine Lake, a large reservoir impounded by the Army Corps of Engineers in 1952 that serves as a source of water and a recreational area.
In October 1843, General Sam Houston and fellow Republic of Texas Commissioners camped at Tah-Wah-Karro Creek, also known as Grape Vine Springs, to meet with leaders of 10 Indian nations. This meeting culminated in the signing of a treaty of “peace, friendship, and commerce,” which opened the area for homesteaders. The settlement that emerged was named Grape Vine due to its location on the appropriately-named Grape Vine Prairie near Grape Vine Springs, both names in homage to the wild grapes that grew in the area. Grapevine is the oldest settlement in Tarrant County, dating back to 1844 when Texas was a republic before statehood in 1845.
The first recorded white settlement in what would become the modern city occurred in the late 1840s and early 1850s. General Richard Montgomery Gano owned property near Grape Vine and helped organize the early settlement against Comanche raiding parties before leading his band of volunteers to battle in the American Civil War. Growth during the 19th century was slow but steady; by 1890, Grape Vine had about 800 residents supported by such amenities as a newspaper, a public school, several cotton gins, a post office, and railroad service. The settlement made continued gains early in the 20th century and on January 12, 1914, the post office altered the town’s name to one word: Grapevine.
On Easter Sunday, April 1, 1934, Henry Methvin, an associate of Bonnie Parker and Clyde Barrow, killed two police officers, E.B. Wheeler, and H.D. Murphy, during an altercation near Grapevine. A historical marker remains at the intersection of Dove Road and State Highway 114.
Grapevine’s population fell during the interwar period, as the economy stagnated, though the city was officially incorporated in 1936. Cotton was the primary crop for Grapevine until the early 20th century when it was overtaken by cantaloupe farms that accounted for 25,000 acres. For several decades, until the early 1970s, the Rotary Club sign outside of town boasted Grapevine as the “Cantaloupe Capital of the World”. Population growth and economic gains resumed to some extent in the decades after World War II. The opening of Dallas–Fort Worth International Airport in 1974 spurred massive development. Grapevine depended heavily upon agricultural production prior to the mid-20th century but transformed into a regional center of commerce because of its proximity to the airport’s north entrance.
In recent years, several wineries have opened in Grapevine, and the city has been active in maintaining its historic downtown corridor.
Grapevine is located at 32°56′6″N 97°5′9″W / 32.93500°N 97.08583°W (32.935025, −97.085784).
According to the United States Census Bureau, the city has a total area of 35.9 square miles (93 km), of which 32.3 sq mi (84 km) are land and 3.6 sq mi (9.3 km) are covered by water.
At the 2010 census, 46,334 people, 18,223 households, and 12,332 families were residing in the city. The population density was 1,451 people per square mile. The racial makeup of the city was 81.1% White, 3.3% African American, 0.7% Native American, 4.5% Asian, 8.0% from other races, and 2.2% from two or more races. Hispanic or Latino of any race were 18.0% of the population. At the 2020 United States census, there were 50,631 people, 21,838 households, and 13,887 families residing in the city. In 2020, its racial makeup was 64.44% non-Hispanic white, 4.41% African American, 0.33% Native American, 6.2% Asian American, 0.12% Pacific Islander, 0.39% some other race, 4.16% multiracial, and 19.95% Hispanic or Latino of any race.
Of the 18,223 households in 2010, 33.6% had children under the age of 18 living with them, 51.9% were married couples living together, 10.5% had a single householder with no spouse present, and 33.3% were not families. About 27.1% of all households were made up of individuals, and 14.4% had someone living alone who was 65 years of age or older. The average household size was 2.49, and the average family size was 3.06. The age distribution in the city was 25.1% under 18, 74.9% over the age of 18, 5.6% from 20 to 24, 13.3% from 25 to 34, 24.7% from 35 to 49, 20.9% from 50 to 64, and 7.9% who were 65 or older. The median age was 37.5 years.
According to a 2010 estimate, the median household income was $76,040, and the median family income was $93,587. Males had a median income of $66,378 versus $47,995 for females. The per capita income was $38,304. About 5.2% of families and 7.9% of the population were below the poverty line, including 11.3% of those under age 18 and 5.5% of those age 65 or over.
Data provided by the city’s Economic Development Department shows a general upward trend in population, with an estimated population of 54,578 as of 2020. The median age in the city was estimated at 36 years old, with more than half of residents obtaining an Associate’s Degree or higher. Median household income had also increased to $88,225.
Grapevine uses a council–manager government, consisting of an elected city council, composed of the mayor and six at-large councilmembers, with a city manager appointed by the council. The current city manager is Bruno Rumbelow.
The government is a voluntary member of the North Central Texas Council of Governments.
Grapevine, located in conservative Northeast Tarrant County, has voted Republican in all elections.
The city almost entirely lies within the boundaries of Texas House District 98 and Texas Senate Districts 9 and 12, with very small portions lying within Texas House Districts 63 and 115 and Texas Senate Districts 10 and 16.
The city almost entirely lies within the boundaries of Texas State Board of Education District 11, with a very small portion lying within District 14.
The Grapevine-Colleyville Independent School District serves most of the city. The district operates 11 elementary schools (prekindergarten through grade 5), four middle schools (grades 6–8), and two high schools (grades 9–12). Colleyville Heritage High School and Grapevine High School both draw students from different areas of Grapevine.
Northwestern Grapevine lies inside Carroll Independent School District, while smaller portions are served by Lewisville Independent School District and Coppell Independent School District.
The Faith Christian School, a private school, is also in Grapevine.
Grapevine’s economy is largely centered around travel and tourism, although those sectors also promote strong growth in other areas such as entertainment, retail trade, and transportation. Travelers arriving to and departing from Dallas/Fort Worth International Airport make up the majority of the city’s visitors. The Gaylord Texan and Great Wolf Lodge are the two biggest hotels in Grapevine and among the biggest in the Metroplex. The hotels also have large convention centers and entertainment venues. In 2020, Coury Hospitality launched Hotel Vin, a new boutique hotel attached to the recently finished TEXRail station.
Nearby Grapevine Mills Mall is a regional outlet shopping center with many amenities, including a movie theater. Embassy Suites Grapevine and the DFW Lakes Hilton complex also lay adjacent to Grapevine Mills and Bass Pro Shops.
In addition to these areas, Main Street in historic downtown Grapevine is a popular attraction. Public amenities like City Hall, the Grapevine Convention and Visitor’s Bureau, the city library, public parks, and a recreation center are located on Main Street, nestled in between a wealth of small businesses. These include antique stores, restaurants, bars, theaters, and many specialty shops. The Grapevine Vintage Railroad follows a historic route between Grapevine and the Fort Worth Stockyards, departing from a station on South Main Street. The city is also the home of several wineries and tasting rooms including Umbra Winery as well as the Texas Wine and Grape Growers Association.
According to the City’s 2018 Comprehensive Annual Financial Report, the city’s top employers are:
GameStop, a national electronics retailer and one of the city’s largest corporate employers, is headquartered in Grapevine.
In April 2017, Kubota Corp. established a new U.S. headquarters in Grapevine, moving about 300 employees from California and spending $50 million.
In 2020, The Trade Group completed construction on their US headquarters near the Northern border of the city.
The facility at 1639 West 23rd Street is on the property of DFW Airport and in Grapevine. Tenants include China Airlines, Lufthansa Cargo, and the U.S. Fish and Wildlife Service.
Historically, Grapevine was the headquarters of a collection of now-defunct air carriers. In 1978 Braniff Place, the final world headquarters for Braniff International Airways, was built in what is now Grapevine, on the grounds of Dallas/Fort Worth International Airport. Following Braniff’s 1982 bankruptcy, the structure is now known as Verizon Place. In the 1990s Metro Airlines maintained its main offices in the city of Grapevine, as did Kitty Hawk Aircargo for a time.
Two grade-separated highways run through the city. State Highways 114 and 121 trisect Grapevine south and slightly west of downtown. 121 runs from the south and 114 from the northwest. The highways intersect near Mustang Drive and William D. Tate Avenue and continue together towards the airport before splitting again at the north entrance of Dallas/Fort Worth International Airport. Grapevine’s highways 2010 underwent a significant overhaul to improve traffic flow through the area.
Dallas/Fort Worth International Airport is the main provider of air service to Grapevine and the region, providing connections to places around the state, country, and abroad. DFW is the main hub for American Airlines, though other major carriers maintain a large presence. Love Field in Dallas is relatively close to Grapevine.
The Grapevine Vintage Railroad provides service to and from Fort Worth along the former Cotton Belt Railroad right-of-way. The service acts more as a tourist attraction due to its slow speeds. However, the city’s 50-year commitment to the Trinity Metro and approval of a half-cent sales tax increase have paid dividends through the introduction of the TEXRail service to northeast Tarrant County since January 10, 2019. New train stations downtown and north of the airport are included in the plans, as is a connection to Dallas Area Rapid Transit (DART) light rail provides mass transit service to the eastern half of the Dallas–Fort Worth metroplex.
The closest connections to rail are the DFW airport, Terminal A, DART Rail station, and the Hurst station for the Trinity Rail Express. Amtrak passenger service is available in both downtown Dallas and Fort Worth.
The Convention and Visitor’s Bureau operates the Grapevine Visitor’s Shuttle between points of interest within the city. Additional information including stops and pricing can be found here.
The majority of Grapevine’s transportation infrastructure is centered around the automobile, though amenities for bicycles can be found. A bicycle route runs along the length of Dove Road beginning at the intersection of Dove and North Main Street, connecting Grapevine and Southlake.
Additionally, the Cotton Belt trail runs parallel to State Highway 26, from the Colleyville city limits to downtown Grapevine. The “Dallas Road” project will stretch over 1.5 miles to extend the Cotton Belt Trail with a 10-foot wide trail section along the north side of western Dallas road between William D Tate Avenue, Ball Street, and Dooley Street. A 10-foot-wide trail will also be added along the east side of Dooley north from Dallas Road to the Dallas Area Rapid Transit right of way. A 12-foot-trail section will be added east from Dooley along the north side of the DART rail corridor to Texan Trail. This will provide a very wide cement trail from Colleyville to the far east side of Grapevine.
Other bicycle paths can be found at the various city parks, most notably the trail from Parr Park to Bear Creek Park. Off-road trails are also available. The Northshore Mountain Bike trail begins at Rockledge Park on the north side of Grapevine Lake and continues into Flower Mound along the shore. Mileage is 22.5 miles broken up into two major loops: East Loops, 1 – 4, which are 12.5 miles, and the West Loops, 5 – 7. Horseshoe Trail begins at Catfish Lane, continues to Dove Road, and loops back to the trailhead, for a total of 5.4 miles.
Grapevine received the Runner Friendly Community designation from the Road Runners Club of America. Grapevine has approximately 24 miles of hike and bike trails that link parks, schools, and businesses. The hike and bike trails have mileage markers that also have GPS coordinates for location identification in case of emergencies. The city also has an indoor 1/8 mile walking/jogging track and several outdoor tracks that belong to the local school district. The city has a joint-use agreement with the school district for the use of school facilities.
The hike and bike trails in Grapevine include water fountains, community bathrooms or portable toilets, available parking, signs linking pedestrian networks, mile markers, walk lights at busy intersections, stop signs at residential intersections, and painted crosswalks. One trail in Grapevine links with four other communities, creating an additional 11-mile trail.