Owner Operators Commercial Truck Insurance Near Me Balch Springs, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Balch Springs, 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 Balch Springs, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Balch Springs, 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.
Balch Springs ( BAHLK, BAHLTCH) is a city in Dallas County, Texas, United States. It is an inner-ring suburb of Dallas and part of the Dallas–Fort Worth metroplex. Its population was 23,728 at the 2010 census, and 25,007 at 2019’s census estimates.
The area was first settled in the 1840s. Around 1879, John M. Balch and his family settled south of Mesquite in unincorporated Dallas County. Mr. Balch found several springs on his land, one of which ran year-round. Local residents began referring to the springs on Mr. Balch’s property as Balch Springs, and use of the name continued even after he moved away a few years after his arrival. Around 1885, a county school was named after the springs. A small church and a cemetery were near the school. During the early 1900s, the community was widely dispersed and consisted mostly of farms. Electricity, provided by Texas Power and Light, was introduced in 1939. Gas and telephone service arrived shortly after World War II.
The community began to grow rapidly along with the city of Dallas and other Dallas County towns. To avoid annexation by Dallas, Balch Springs incorporated as a city on June 13, 1953. The new city encompassed the communities of Balch Springs, Zipp City, Five Points, Jonesville, and Triangle, as well as portions of Rylie and Kleberg. A mayor-council form of government was adopted after incorporation. By 1956, Balch Springs had a population around 3,500. The city was home to 6,821 residents at the 1960 census. In September 1964, a post office opened in the city and in 1965, the first taxes were levied. A 1966 attempt to disincorporate the community was unsuccessful. By 1970, the population had risen to 10,464 as the construction of new roads made commuting to surrounding cities easier. In 1988, residents voted to become part of the neighboring city of Mesquite, but the election was declared invalid. Two years later, the 1990 census reported a total of 17,406 people living in the city. The 2000 population was 19,375.
The murder of Jordan Edwards occurred in Balch Springs in 2017.
Balch Springs is located at 32°43′3″N 96°36′55″W / 32.71750°N 96.61528°W (32.717381, –96.615154). It is situated about 16 miles (26 km) east of downtown Dallas and 34 miles (55 km) southeast of the Dallas/Fort Worth International Airport. The city is bordered by Mesquite to the north and east, and Dallas to the south and west.
Major highways running through Balch Springs include Interstate 635, which bisects the city into two nearly equal halves. Interstate 20 and U.S. Highway 175 run along Balch Springs’ southern border.
According to the United States Census Bureau, the city has a total area of 9.0 square miles (23.3 km), of which 0.02 square miles (0.06 km), or 0.27%, is covered by water.
As of the 2020 United States census, 27,685 people, 6,916 households, and 5,522 families resided in the city.
The southwest portion of Balch Springs is served by Dallas Independent School District, while the northeast portion is served by Mesquite Independent School District. The two portions are roughly each one half of the city.
Mesquite ISD students living in Balch Springs are zoned to one of the following elementary schools, according to the following feeder patterns approved by the district in 2017.
Most Mesquite ISD students living in Balch Springs are zoned to A.C. New Middle School (grades 6–8, Balch Springs) and West Mesquite High School (9–12). Some MISD students (in the portion zoned to Gentry) are zoned to Berry Middle School (6–8) and John Horn High School. A small portion of Balch Springs (the portion zoned to Moss) is zoned to Agnew Middle School (7–8) and Mesquite High School.
Dallas ISD students are zoned to:
Young Women’s STEAM Academy at Balch Springs Middle School is in the city limits. The school, which opened in 2012, previously was a coeducational middle school serving most of the DISD portion, while other portions were zoned to Fred F. Florence Middle School. In the fall of 2016 Balch Springs was converted into a girls-only middle school; boys in its zone were zoned to Florence, now an all-boys school. Students from the former Balch Springs MS zone who wish to attend a coeducational middle school would go to E. B. Comstock Middle School, while those from the former Florence zone would go to Piedmont G.L.O.B.A.L. Academy (formerly John B. Hood Middle School) in Pleasant Grove. In addition Seagoville Middle School serves both genders in a portion of Balch Springs.
Prior to the opening of Balch Springs MS, Comstock and Florence served portions of the city.
H. Grady Spruce High School, W. W. Samuell High School, and Seagoville High School serve portions of the DISD area of Balch Springs.
Balch Springs Christian Academy is a private school within the city limits that serves students from kindergarten to 12th grade, and uses the A Beka curriculum. It is a subsidiary of Seagoville Road Baptist Church, which was established in 1974. Ten members of the school and church died in a flood in central Texas in 1987.
Dallas County residents are zoned to Dallas College (formerly Dallas County Community College or DCCCD).
Balch Springs Fire Department serves the city with one fire station, which runs one ladder truck, two engines, one fire chief, and three battalion chiefs. The department has a minimum manning of eight firefighters on shift 24/7. All firefighters are certified as EMTs or paramedics. Balch Springs has 30 professional firefighters, one chief, and an inspector. The Balch Springs Fire Department is a civil-service department. The department responds and manages all fire and emergent health calls.
The city maintains a police department.
The Balch Springs Library-Learning Center is located at 12450 Elam Road in Balch Springs. The library, which has over 26,000 items, including over 25,000 books and over 1,000 audio and visual items, opened in April 2006.
Dallas ISD and Parkland Balch Springs Youth and Family Health Center is on a site next to the Balch Springs Middle School building, on the school property. It serves disadvantaged children who do not have primary care physicians. Previously, the center was known as the Spruce Youth and Family Health Center and was housed on the grounds of H. Grady Spruce High School in Dallas. On June 3, 2013, it moved to its current location.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.
