Owner Operators Commercial Truck Insurance Near Me Del Rio, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Del Rio, 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 Del Rio, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Del Rio, 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.
Del Rio is a city and the county seat of Val Verde County in southwestern Texas, United States. The city is 152 miles west of San Antonio. As of 2020, Del Rio had a population of 34,673.
The Spanish established a small settlement south of the Rio Grande in present-day Mexico, and some Spaniards settled on what became the United States side of the Rio Grande as early as the 18th century. Paula Losoya Taylor built the first hacienda in the area in 1862. U.S. development on the north shore of the Rio Grande did not begin until after the American Civil War.
San Felipe Springs, about 8 mi (13 km) east of the Rio Grande on the U.S. side of the border, produces 90×10 US gal (340,000 m) of water a day. Developers acquired several thousand acres of land adjacent to the springs, and to San Felipe Creek formed by the springs, from the state of Texas in exchange for building a canal system to irrigate the area. The developers sold tracts of land surrounding the canals to recover their investment and show a profit. The initial investors (William C. Adams, Joseph M. Hudson, John P. Grove, Donald Jackson, John Perry, Joseph Ney, Randolph Pafford, A. O. Strickland, and James H Taylor) formed the San Felipe Agricultural, Manufacturing, and Irrigation Company in 1868. The organization completed construction of a network of irrigation canals in 1871. Residents referred to the slowly developing town as San Felipe Del Rio because local lore said the name came from early Spanish explorers who offered a mass at the site on St. Philip’s Day, 1635.
In 1883, local residents requested a post office be established. The United States Postal Department shortened “San Felipe del Rio” to “Del Rio” to avoid confusion with San Felipe de Austin. In 1885, Val Verde County was organized and Del Rio became the county seat. The City of Del Rio was incorporated on November 15, 1911.
The San Felipe community was started by the Arteaga family. Arteaga Street and Arteaga Park are named after them.
In September 2021, approximately 30,000 Haitian migrants crossed the border at Del Rio. The United States Border Patrol moved many into a camp underneath the Del Río–Ciudad Acuña International Bridge. The squalid conditions in the camp attracted widespread national attention.
According to the United States Census Bureau, the city has a total area of 52.3 km (20.2 sq mi), of which 52.2 km (20.2 sq mi) are land and 0.1 km (0.039 sq mi), or 0.24%, is covered by water.
Del Rio lies on the northwestern edges of the Tamaulipan mezquital, also called the South Texas brush country. It is also near the southwestern corner of the Edwards Plateau, which is the western fringe of the famous, oak savanna-covered Texas Hill Country; that area is dotted with numerous small springs; one of these is the San Felipe Springs, which provides a constant flow of water to San Felipe Creek. The creek supplied fresh water for drinking and irrigation to early settlers of Del Rio, and the springs are still the town’s water supply.
The Del Rio region, to just west of the Pecos River, has a mix of desert shrub and steppe vegetation depending on soil type, with the gray-leafed cenizo (Leucophyllum spp.), several different acacias, cacti, and grama grasses dominant members of local flora. The terrain is mostly level, but some areas are dissected with substantial canyons and drainages, though none of the upland areas are elevated enough to be considered mountains.
Del Rio experiences a hot semi-arid climate (Köppen BSh) with mild winters and hot, humid summers. High dewpoint temperatures occur during much of the warmer months, due to the terrain and prevailing surface winds from the southeast. In the spring and fall seasons, severe thunderstorms often build on the Serranías del Burro to the distant west of Del Rio, occasionally affecting Del Rio and uplands to the north. This occurs due to the uplift of moisture from the Gulf of Mexico which is channeled along the Rio Grande, combined with intense heating of lowland areas or frontal and dryline activity.
As of the 2020 United States census, there were 34,673 people, 12,300 households, and 8,898 families residing in the city.
As of the census of 2000, 33,867 people, 10,778 households, and 8,514 families resided in the city. The population density was 2,194.0 inhabitants per square mile (847.1/km). The 11,895 housing units averaged a density of 770.6 per square mile (297.5/km). The racial makeup of the city was 73.05% White American, 7.21% African American, 0.70% Native American, 0.49% Asian, 0.06% Pacific Islander, 17.79% from other races, and 2.68% from two or more races. Hispanics or Latinos of any race were 81.04% of the population.
Of the 10,778 households, 42.0% had children under the age of 18 living with them, 59.3% were married couples living together, 15.8% had a female householder with no husband present, and 21.0% were not families. About 18.7% of all households were made up of individuals, and 8.4% had someone living alone who was 65 years of age or older. The average household size was 3.09 and the average family size was 3.56.
In the city, the population was distributed as 31.7% under the age of 18, 8.8% from 18 to 24, 27.6% from 25 to 44, 20.2% from 45 to 64, and 11.7% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 94.0 males. For every 100 females age 18 and over, there were 89.6 males.
The median income for a household in the city was $27,387, and for a family was $30,788. Males had a median income of $27,255 versus $17,460 for females. The per capita income for the city was $12,199. About 22.9% of families and 27.0% of the population were below the poverty line, including 35.8% of those under age 18 and 26.4% of those age 65 or over.
Del Rio is the principal city of the Del Rio micropolitan statistical area, which includes all of Val Verde County; the micropolitan area had an estimated population over 50,000 in 2007. Located across from Del Rio, in the Mexican state of Coahuila, is the city of Ciudad Acuña, with a city population of 201,161.
In 1942, the Army Air Corps opened Laughlin Field 9 mi (14 km) east of Del Rio, as a training base for the Martin B-26, but the base was deactivated in 1945. As the Cold War pressures built, along with new border-control issues, Laughlin Field was rebuilt and renamed Laughlin Air Force Base and was again used as a home for flight training. Laughlin plays a large part in the Del Rio community as the area’s largest employer.
The GEO Group, a private correctional facility corporation based in Boca Raton, Florida, manages the Val Verde Correctional Facility in Del Rio. It has a contract to house offenders for the county, for the U.S. Marshals Service (male/female) prisoners, and U.S. Customs and Border Protection detainees. The facility opened in 2001 with 688 beds. In 2007, the facility was expanded to its current capacity of 1,400 beds. It is one of the major employers in the Del Rio area and meets standards required by state and federal guidelines.
Some of the earliest surviving cultural artefacts in the region are various pictographs found in local caverns in and near the town. Some of these pictographs date as far back as 4,200 years when the Seminole first reached the region and created pictographs in the caverns of the Lower Pecos Canyonlands Archeological District, a proposed National Historic Landmark. The pictographs are preserved in part by the Shumla Archaeological Research and Education Center, a local group which documents the pictographs, and creates educational material about them.
The Whitehead Memorial Museum carries on the history of the culture created in Del Rio brought by mementos of Judge Roy Bean.
The Laughlin Heritage Museum Foundation educates the public about the importance of air power in sustaining the national security of the United States, and to preserve the heritage of Laughlin Air Force Base, Texas.
Del Rio is home to the oldest continuously running winery in Texas, the Val Verde Winery. The winery was established in 1883 by Italian immigrant Frank Qualia, who brought with him the family tradition of winemaking. Today, the winery is operated by third-generation vintner Thomas Qualia.
A cultural melting pot, Del Rio is home to a mix of ethnic and racial backgrounds including Hispanic, African American Seminole, Mestizo, and Tejano. Del Rio offers a variety of Southwestern cuisine including: Tex-Mex, Steakhouses, Barbecue, Authentic Mexican food and “Pan Dulce” or Mexican pastries.
The Upstagers have been performing award-winning live theater in Del Rio since 1977.
The Casa de la Cultura]l is a non-profit organization that provides community focused outlets for the youth and adults in Del Rio for over 40 years. It offers a revolving variety of classes based on the educational and cultural needs of the community, such as: Ballet Folklorico, Guitar, Singing, Knitting, Pottery, Art Camps, Latino Aerobics and Literacy classes. In the early 2000s, the Casa de la Cultura began Noches Musicales, a live summer music festival with food vendors and live music. The Casa de la Cultura celebrated their 14th annual Live Music Festival in June 2021.
The Del Rio Council for the Arts provides affordable arts and education and entertainment to the community and its surrounding areas.
Del Rio is home to the George Paul Memorial Bullriding, which is the oldest stand-alone bull-riding event in the world.
Some of the most notable celebrations in the community include: the Independence Day City-Wide Celebration, Cinco de Mayo, 16 de Septiembre, Fiesta de Amistad, and the Fiesta of Flight Air Show. Del Rio held its first ever Pride event in June 2019.
Del Rio is home to consulates of Guatemala and Mexico.
The area is home to various religious profiles including: Christian, Baptist, Catholic, Episcopal, Evangelical, Lutheran, Methodist, Non-Denominational, Pentecostal, Presbyterian, Spirit-Filled, Judaism, Seventh Day Adventist, and many more.
The city is served by the San Felipe Del Rio Consolidated Independent School District. About 10,450 students are enrolled and 637 teachers are employed at 14 campuses throughout the district. Del Rio is also home to Del Rio Heritage Academy High School, and Premier High School, two charter schools.
Two four year universities have campuses in Del Rio: Sul Ross State University and Park University.
Southwest Texas Junior College, a two-year community college, has a campus in Del Rio.
The Del Rio News-Herald was a daily newspaper published in Del Rio, covering Val Verde County, was owned by Southern Newspapers Inc. The newspaper had a daily circulation of 10,400 and a Sunday circulation of 13,500. The newspaper closed in November 2020.
In 2020, The 830 Times, a local news sit covering Del Río and the wider region of southwest Texas is published weekly, launched its print and online newspaper.
There are multiple radio stations licensed to the area in and around Del Rio including, KDLK-FM, KTDR, KVFE, KWMC, KDRN, KTPD, KDLI.
In 2014, KVFE, a Christian station owned by Inspiracom, was launched to fill one of the ministry’s remaining gaps on the US–Mexico border.
In 2016, Texas Public Radio opened a transmitter in Del Rio.
In 2020, The 830 Times, a local news site covering Del Rio and the wider region of southwest Texas, launched.
Del Rio International Airport (FlyDRT) serves the city and surrounding area. American Airlines operates flights twice daily between Del Rio and Dallas/Fort Worth International Airport. The route is currently served by regional affiliate SkyWest Airlines on their 65-seat Canadair CRJ 700 series aircraft. On January 5, 2023, the City of Del Rio announced that American Airlines will terminate service to DRT effective April 3rd, 2023, leaving Del Rio without scheduled air carrier service.
Transportation services to the citizens of Del Rio is provided by the City of Del Río Transportation Department.
Amtrak provides passenger rail service to Del Rio station through its combined Sunset Limited/Texas Eagle service. Trains serve the station thrice-weekly in each direction, with direct service to Los Angeles, San Antonio, New Orleans, Chicago, and points in between.
Del Rio features prominently (though scenes were shot elsewhere) in No Country for Old Men, the 2007 neo-Western thriller film directed, written, and edited by Joel and Ethan Coen, based on the Cormac McCarthy novel of the same name.
Other presentations with a Del Rio setting include:
Rincon del Diablo: The section where Barron St. meets Magnolia Street.
Barrio Chihuahua: In the southern part of the city, this neighborhood, named after the Chihuahua Soccer Field, is located between West Gibbs to the north, Texas State Spur 29 to the west, Garfield Ave., West Garfield to the southeast, and S. Ave F to the far east.
Buena Vista: Located near Buena Vista Park. Lake Amistad and North Del Rio are located past the Buena Vista area.
Cienegas Terraces: Outside the city limits, it is home to the “Duck Pond” and various ranches, on the west side of the city.
Eastside: Named by locals after the school on the corner of Bedell & 7th Street, the neighborhood is also home to Star Park. Surrounded by Veterans Boulevard to the west and E. Gibbs to the south, the neighborhood is home to the Val Verde Regional Medical Center.
San Felipe: The original neighborhood in Del Rio, the city originally got its name from it as in “San Felipe del rio”, south of Barrio Chihuahua and the Northside. Home of the San Felipe Creek.
Qualia: Home to Val Verde Winery, the oldest operating winery in Texas. Next door to the San Felipe neighborhood. Residents living within the Qualia area reference the neighborhood as “the one by the Winery,” Many historical markers are located within the vicinity.
Westside: Home to Del Rio International Airport, the neighborhood is surrounded to the north by W. 15th, 18th, and 17th Streets, to the east by Veterans Blvd., and to the south by W. Gibbs bordering Chihuahua.
Comalia: A neighborhood isolated by the Woodlawn cemetery and a bridge that leads to the U.S.-Mexico border crossing, it can be found by traveling down W. 2nd Street.
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.