Owner Operators Commercial Truck Insurance Near Me Cibolo, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Cibolo, 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 Cibolo, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Cibolo, 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.
Cibolo is a city in Guadalupe County, Texas, United States. It is part of the San Antonio–New Braunfels metropolitan statistical area. Cibolo voted to become an independent township on October 9, 1965. As of the 2020 census, Cibolo had a population of 32,276, up from 15,349 at the 2010 census.
Cibolo voted to become an independent township on October 9, 1965; the “City Fathers” were Mayor M.O. Grooms, Councilman Carl Biser, Councilman Ted Dykes, Councilman Alwin Lieck, Councilman Fred Niemietz, and Councilman D.O. Trotti.
Before the first European settlers arrived, the Comanche and several other Native American tribes lived in Cibolo. The name Cibolo means “buffalo”. The community first established when the Southern Pacific Railroad cut through the area en route to major cities such as Houston and San Antonio. Over time, Cibolo developed into the suburb it is today.
In 1867, George Schlather built a store on land purchased by his father Jacob. In 1882, the Schlathers sold the store to Charles Fromme, who renamed it Fromme’s Store. The community also became known by this name. In 1877, the Galveston, Harrisburg and San Antonio Railway station serving the area was called Cibolo Valley. In 1883, the US Post Office opened a branch in the town and called it Cibolo. By 1890, its population was 100 people.
Beginning in the 21st century, Cibolo has experienced high levels of growth, increasing 733% since 2000, when the population was 3,035 people. Between 2000 and 2010, the population increased 545% to 19,580 people. As Cibolo has grown, its share of the county population has also increased. In 2000, Cibolo accounted for only 3.4% of Guadalupe County’s population, but between 2000 and 2010, Cibolo captured 38.9% of the county’s growth, and its share of the population increased to 14.9%. Between 2010 and 2013, Cibolo acquired 22.3% of the growth in Guadalupe County, and today Cibolo accounts for 17% of the county’s population.
Cibolo is in western Guadalupe County, on the north side of Cibolo Creek. A small portion of the city, south of West Schaefer Road, crosses a bend of Cibolo Creek to enter Bexar County. Santa Clara and Marion border Cibolo to the east. New Berlin, Zuehl, and St. Hedwig border Cibolo to the south. Schertz borders Cibolo to the north and west. The city of New Braunfels is 14 miles (23 km) to the northeast, and downtown San Antonio is 21 miles (34 km) to the southwest.
According to the U.S. Census Bureau, Cibolo has a total area of 6.6 square miles (17.0 km), of which 0.004 square miles (0.01 km), or 0.07%, is covered by water.
In 2006, the City of Cibolo incorporated mobility needs into the Cibolo Future Land Use Map, Future Thoroughfare Plan, and Capital Improvement Plan.
In 2007, the Texas Department of Transportation (TxDOT) completed a study for a possible FM 1103 extension in Cibolo south to I-10. However, TxDOT determined that right-of-way acquisition issues and funding precluded such an extension for the near future. The biggest hurdles included crossing floodplains and an overpass over both FM78 and the Union Pacific Railroad.
In 2015, with explosive development in the FM 1103 area continuing, the Cibolo City Council stated they wanted to investigate options to build the extension and it formed a blue-ribbon committee of citizens to study the matter. In 2016, the committee recommended a private-public partnership to develop the road as a tollway.
In 2017, the Cibolo City Council approved an agreement with the Texas Turnpike Corporation (TTC) to move forward with the project. As of early 2018, the TTC is still conducting its feasibility study for the road to see if it is a viable project for them.
In the agreement, the City of Cibolo would own the road, while TTC would finance the design, construction, maintenance, and operation of the estimated $125 million and roughly 11-mile roadway. In exchange, TTC would collect tolls from roadway users for 50 years. At one point TTC projected the toll rate to be $0.20 a mile, with exemption for city-owned vehicles.
On January 14, 2020, the Cibolo City Council voted unanimously to terminate the agreement between the City and TTC and Cibolo Turnpike, LP (CTLP), drawing demands for mediation from CTLP.
As of the 2020 United States census, 32,276 people, 9,106 households, and 7,863 families were residing in the city.
As of the census of 2000, 3,035 people, 1,092 households, and 848 families were residing in the city. The population density was 569.5 inhabitants per square mile (219.9/km). The 1,176 housing units had an average density of 220.7 per square mile (85.2/km). The racial makeup of the city was 81.09% White, 6.16% African American, 0.26% Native American, 1.35% Asian, 8.21% from other races, and 2.93% from two or more races. Hispanics or Latinos of any race were 19.01% of the population.
Of the 1,092 households, 42.8% had children under 18 living with them, 65.3% were married couples living together, 8.9% had a female householder with no husband present, and 22.3% were not families. About 19.2% of all households were made up of individuals, and 6.0% had someone living alone who was 65 or older. The average household size was 2.78, and the average family size was 3.19.
In the city, the age distribution was 29.4% under 18, 7.1% from 18 to 24, 35.6% from 25 to 44, 21.8% from 45 to 64, and 6.2% who were 65 or older. The median age was 35 years. For every 100 females, there were 91.8 males. For every 100 females 18 and over, there were 90.3 males.
The median income for a household in the city was $53,780, and for a family was $65,545. Males had a median income of $42,557 versus $26,333 for females. The per capita income for the city was $23,988. About 4.8% of families and 6.1% of the population were below the poverty line, including 7.7% of those under 18 and 16.6% of those 65 or over.
By the mid-2010s, Cibolo was one of the fastest-growing small cities in the United States, experiencing a nearly 900% increase in population since 2000 and growing from 3,000 to the current estimate of about 30,000 residents. Actual figures are disputed, however, due to such a huge explosion of population in such a short period of time. This has caused problems in the city, due to such unanticipated growth making developments difficult to keep up with the rapidly increasing population, and a limited amount of land.
The City of Cibolo is a “home rule” city. Cibolo voters adopted its initial “home rule” charter in 2005. Cibolo residents have voted to amend the charter twice since 2005:
The City of Cibolo is a council-manager type government. The city has a mayor and seven council members elected for three-year terms, with a two-term maximum. The seven council members currently are elected by and represent individual districts. Council members’ duties include enacting local legislation (ordinances), adopting budgets, determining policies, and appointing the city manager, secretary, and attorney.
The City of Cibolo is also a member of the Alamo Area Council of Governments.
Schertz-Cibolo-Universal City Independent School District (SCUCISD) serves Cibolo students and families.
The high schools cover grades 9–12.
The junior high schools cover grades 7–8.
The intermediate schools cover grades 5–6.
The elementary schools cover kindergarten through grade 4, as well as preschool.
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.
