Owner Operator Insurance Requirements North Richland Hills, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements North Richland Hills, 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 North Richland Hills, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in North Richland Hills, 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.
North Richland Hills, commonly known as NRH, is a city inside Tarrant County, Texas, United States, and a mid-to-high end suburb of Fort Worth. The population was 69,917 at the 2020 census, making it the third largest city in Tarrant County. In 2006, North Richland Hills was selected as one of the “Top 100 Best Places to live in America” according to Money magazine, and in 2016, the Dallas Morning News ranked North Richland Hills #9 on its list of best Dallas–Fort Worth neighborhoods. Major streets and highways include: FM 1938 (Davis Boulevard), Mid Cities Boulevard, Bedford-Euless Road, Interstate Highway 820, North Tarrant Parkway, FM 3029 (Precinct Line Road), and TX SH 26. It is home to the Birdville Independent School District, and the northern portion is served by Keller ISD.
NRH notably houses the headquarters of HealthMarkets. North Richland Hills features popular businesses and locations, including the NRH20 Water Park, Medical City North Hills, and its own state-of-the-art public library. Additionally, NRH is surrounded by numerous communities, such as Haltom City, Keller, Hurst, and Southlake. It also housed the now-demolished North Hills Mall, which ceased operations in 2004. As of 2016, that site is now the new location of the North Richland Hills City Hall. In 2012, North Richland Hills was ranked at #44 as one of the Best Dallas Suburbs according to D Magazine.
The community began when W.S. Peters agreed to bring 600 families into the area within a three-year period as part of a land grant. Families began arriving in the summer of 1848. In 1849, Tarrant County was established and named for General Edward H. Tarrant. The community of Birdville (adjacent to what is now the southwest boundary of North Richland Hills) was named the first county seat. The area remained a rural farming and ranching community for more than 100 years.
In 1952, Clarence Jones began to subdivide his 268-acre (1.08 km) dairy farm into a suburban addition in the area that is now Cummings Drive. In 1953, the North Richland Hills Civic League sought to have the area annexed to Richland Hills, then voted to form their own city when annexation was denied. An election was held, and the 268 acres (1.08 km) of the Jones Farm, with a population of 500, became officially incorporated as the City of North Richland Hills.
The first section of streets in North Richland Hills was named for the local families. The second section, which was added in 1954, was named for automobiles. There were 188 homes in the first part of the subdivision, which was restricted to brick and masonry construction.
By 1957, the North Richland Hills’ boundary was within 2 miles (3 km) of Smithfield, and by 1960, Smithfield had been annexed into North Richland Hills. In 1960, the population of North Richland Hills was beginning to rise at 8,662 residents, with that number more than doubling to 16,514 by 1970. The city’s population continued to grow at a rapid pace, with the 1980 census at 30,592, and the 1990 census reflecting 45,895. In 2000, the population was at 55,635, and rise to 63,343 at the 2010 census. In 2020, the population was at 69,917.
North Richland Hills is located at 32°51′20″N 97°13′5″W / 32.85556°N 97.21806°W (32.855666, –97.218184).
According to the United States Census Bureau, the city has a total area of 18.2 square miles (47.2 km), of which 18.2 square miles (47.1 km) is land, and 0.04 square miles (0.1 km), or 0.24%, is water.
As of the 2020 United States census, there were 69,917 people, 27,200 households, and 18,919 families residing in the city.
According to the City’s 2021 Comprehensive Annual Financial Report,
The city is also home to the state’s largest Ford dealership, Five Star Ford, which employs over 250 people.
Children who live in North Richland Hills attend schools in the Birdville Independent School District. The northernmost part of the city is served by the Keller Independent School District. North Richland Hills has two public high schools: Richland High School and Birdville High School.
Private schools in North Richland Hills include: Fort Worth Christian School, St. John the Apostle Catholic School (of the Roman Catholic Diocese of Fort Worth), North Park Christian Academy, and North Richland Hills Montessori.
The Tarrant County College Northeast Campus is located on the North Richland Hills and Hurst border at 828 Harwood Road.
North Richland Hills operates under a charter adopted in 1964, which provides for a “Council-Manager” form of government. The Council is composed of a Mayor and seven Council Members elected at large. The Council determines the overall goals and objectives for the City, establishes policies, and adopts the City’s annual operating budget. The City Manager oversees the day-to-day operations of the City.
The structure of the management and coordination of city services is:
The city of North Richland Hills 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.
The North Richland Hills Fire Department (NRHFD), also called the North Richland Hills Fire-Rescue (NRHFR), is a public health service geared towards combating uncontrolled fires. In addition to its role as a fire department, it acts like a traditional EMS service, and is dispatched to a wide range of medical emergencies unrelated to fires. To accomplish this mix of roles, all NRHFD staff are cross trained as firefighters and paramedics; likewise, all vehicles that they employ carry advanced life support equipment.
The department is currently recognized as a “Best Practices” department by the Texas Fire Chiefs Association.
