Owner Operators Commercial Truck Insurance Near Me Edinburg, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Edinburg, 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 Edinburg, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Edinburg, 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.
Edinburg ( ED-in-burg) is a city in and the county seat of Hidalgo County, Texas, United States. Its population was 74,569 as of the 2010 census, and in 2019, its estimated population was 101,170, making it the second-largest city in Hidalgo County, and the third-largest city in the larger Rio Grande Valley region.
Edinburg is part of the McAllen–Edinburg–Mission and Reynosa–McAllen metropolitan areas. Edinburg is home to the main campus of University of Texas Rio Grande Valley.
In 1908, John Closner, William Briggs, Argyle McAllen, Plutarco de la Viña, and Dennis B. Chapin developed a new community at this site. The town square was located at the current crossroads of U.S. Highway 281 and State Highway 107. The town was named “Chapin” in honor of one of the developers. A local myth relates that Edinburg became the county seat of Hidalgo County in a dramatic, nighttime covert operation in which the county records were removed from the previous county seat. However, historical records show more practical reasons. The 1886 Hidalgo County Courthouse in the city of Hidalgo was under frequent danger of flooding because it stood just a few yards away from the banks of the Rio Grande. Additionally, the county was over 80 miles long at this time, and state law required that the courthouse be close to the geographic center of a county. A wood-frame courthouse was designed and built beside the Chapin courthouse square in 1908; construction on a grand courthouse within the square began in 1910 under the supervision of San Antonio builders and a partnership of San Antonio architects. When Dennis Chapin was involved in the shooting death of Oscar J. Rountree at the Dan Breen Saloon in San Antonio, the community changed its name to “Edinburg” to honor John Young, a prominent businessman who was born in Edinburgh, Scotland. The town was officially renamed in 1911 and incorporated in 1919.
Edinburg is located in south-central Hidalgo County at 26°18′15″N 98°9′50″W / 26.30417°N 98.16389°W (26.304225, –98.163751). It is bordered to the south by Pharr and to the southwest by McAllen, the largest city in the county. U.S. Route 281 (Interstate 69C) runs through the east side of Edinburg. US 281 leads north 103 miles (166 km) to Alice and 229 miles (369 km) to San Antonio. Downtown McAllen is 10 miles (16 km) to the south and west.
According to the United States Census Bureau, Edinburg has a total area of 37.7 square miles (97.6 km), of which 0.1 square miles (0.2 km), or 0.16%, is covered by water.
As of the 2020 United States census, 100,243 people, 29,899 households, and 21,635 families were residing in the city.
Population as of the census of 2000 was 48,465 people, 14,183 households, and 11,417 families in the city. The population density was 1,296.9 inhabitants per square mile (500.7/km). The 16,031 housing units had an average density of 429.0 per square mile (165.6/km). The racial makeup of the city was 73.32% White, 0.58% African American, 0.47% Native American, 0.65% Asian, 22.71% from other races, and 2.27% from two or more races. Hispanics or Latinos of any race were 88.68% of the population. About 95% of those who selected the “other race” were Hispanic or Latino.
Of the 14,183 households, 46.9% had children under 18 living with them, 56.9% were married couples living together, 19.0% had a female householder with no husband present, and 19.5% were not families. About 15.4% of all households were made up of individuals, and 5.5% had someone living alone who was 65 or older. The average household size was 3.29, and the average family size was 3.71.
In the city, the ag distribution was 33.0% under 18, 13.1% from 18 to 24, 29.8% from 25 to 44, 15.9% from 45 to 64, and 8.2% who were 65 or older. The median age was 27 years. For every 100 females, there were 95.3 males. For every 100 females 18 and over, there were 90.5 males.
The median income for a household in the city was $28,938, and for a family was $30,634. Males had a median income of $27,505 versus $21,010 for females. The per capita income for the city was $11,854. About 25.2% of families and 29.2% of the population were below the poverty line, including 37.2% of those under 18 and 23.0% of those 65 or over.
Several state agencies have offices in Edinburg. This includes the Thirteenth Court of Appeals, the Texas Attorney General’s Child Support Unit, the Texas Departments of Health Services, Human Services, Protective and Regulatory Services, and Public Safety. The Texas Youth Commission has a facility near Edinburg. The Texas Department of Criminal Justice operates two facilities, the Lopez Unit and the Segovia Unit, in Edinburg.
The City of Edinburg operates the Dustin Michael Sekula Memorial Library.
Edinburg is home to the Museum of South Texas History, formerly the Hidalgo County Historical Museum.
The Edinburg Scenic Wetlands comprise one of nine sites of the World Birding Center, a native habitat site and wildlife refuge.
This city was the home of the Edinburg Roadrunners, an independent league baseball team in the North American League, but after numerous ownership changes, the team disbanded. Currently, UTRGV is the only major baseball team in Edinburg.
In 2013, the city of Edinburg and the Edinburg Economic Development Corporation announced plans for the construction of an events arena in which the NBA Development League champions, the Rio Grande Valley Vipers, would be the anchor tenants. It opened in 2018. The team also has its practice facility at the Edinburg Sports and Wellness Center. The city also opened a six-city-block stretch of green pedestrian walkway space known as the McIntyre Street Project in April 2014; it is expected to be the beginning of a proposed arts and restaurant district extending through the heart of Edinburg.
Since 2016, the city has been home to the Rio Grande Valley FC Toros soccer club in the USL Championship, who play at H-E-B Park. The city is also home to the Rio Grande Valley FC Toros Academy, the best youth soccer club in the area and a pioneer in youth development for the Rio Grande Valley. The Toros Academy plays in the MLS Next league against the best academies in the nation and provides fully funded programs for U-15, U-17, and U-19 boys.
Bert Ogden Arena was originally opened in August 2018, is the home for the Rio Grande Valley Vipers of the NBA G League. The capacity for basketball games is 7,688 and 9,000 for concerts. The construction cost was $88 million.
UTRGV Baseball Stadium, commonly known as Edinburg Stadium, had its groundbreaking take place in 2000., and it opened in 2001. The stadium’s capacity is 4,000 people. It was the home for the Edinburg Roadrunners (2001 to 2013). The Edinburg Roadrunners were a member of the United League Baseball 2006 to 2010 and the North American League from 2011 to 2012. The land was owned by the City of Edinburg in years prior to 2014, was donated to the University of Texas System.
H-E-B Park is a 9,700-seat soccer-specific stadium home for the rio Grande Valley FC Toros of the USL Championship. The construction of the stadium was completed in 2016 and officially opened on March 22, 2017.
As Edinburg is the county seat of Hidalgo County, most major county offices are located there, including the Criminal District Attorney’s Office, the District Courts and County Courts at Law of Hidalgo County, the Community Supervision and Corrections Department, the Hidalgo County Juvenile Probation Department, the Hidalgo County Sheriff’s Office, and the offices of the County Judge, the Tax Assessor/Collector, the County Treasurer, County Auditor and Veterans Services. Hidalgo County Commissioner’s Precinct Four represents Edinburg on the Hidalgo County County Commissioner’s Court.
Edinburg City Council meetings are held on the first and third Tuesdays of every month starting at 6 pm in the Edinburg City Hall, Council Chambers. Anyone can attend the meetings and voice any concerns.
The United States Border Patrol Rio Grande Valley Sector Headquarters is at 4400 South Expressway 281, Edinburg, Texas.
The United States Postal Service operates a postal office at 410 S Jackson Road, Edinburg, Texas.
In December 2012, officials announced the merger of the existing University of Texas-Pan American in Edinburg and the University of Texas at Brownsville into a regional institution. A year later, in December 2013, University of Texas System officials decided to name the new institution the University of Texas Rio Grande Valley. UTRGV’s creation garnered much media attention because of its expected economic, social, and health-care impact on the region. UTRGV is unique in that it is the first time the UT System has merged existing campuses in such a way. UTRGV was to also bring the first medical school to the Rio Grande Valley region. The first class of UTRGV students began courses in fall 2015.
Edinburg is also the home of the Rio Grande Bible Institute and is located in the South Texas College District.
Almost all of the city is served by the Edinburg Consolidated Independent School District, comprising four high schools, one alternative secondary school, six middle schools, and 20 elementary schools. A small portion is served by the McAllen Independent School District, including Memorial High School, Cathey Middle School, and McAllen’s Gonzalez Elementary.
In addition, the South Texas Independent School District operates magnet schools that serve Edinburg. South Texas Business Education & Technology Academy is in Edinburg. Students from Edinburg also have the chance to attend other South Texas ISD schools in Mercedes -South Texas High School for the Medical Professions and the Science Academy of South Texas.
The Catholic Diocese of Brownsville operates St. Joseph Catholic School, an elementary and middle school.
The Edinburg area is served by numerous local television affiliates.
McIntyre Street Project plans also include a bus transportation hub for Valley Metro, the regional transit service.
Greyhound provides bus service to Edinburg.
Two major commercial airports are near Edinburg: McAllen Miller International Airport (MFE) at McAllen, 20 minutes from Edinburg and Valley International Airport, (HRL) in Harlingen, 40 minutes from Edinburg. The South Texas International Airport at Edinburg (KEBG) is a public-use airport owned and operated by the City of Edinburg.
http://genealogytrails.com/tex/southtexas/hidalgo/
https://tshaonline.org/handbook/online/articles/hee02
https://mosthistory.org/
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.
