Owner Operators Commercial Truck Insurance Near Me Irving, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Irving, 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 Irving, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Irving, 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.
Irving is a city in the U.S. state of Texas. Located in Dallas County, it is also an inner ring suburb of Dallas. The city of Irving is part of the Dallas–Fort Worth metroplex. According to a 2019 estimate from the United States Census Bureau, the city population was 239,798, making it the thirteenth-most populous city in Texas, and 93rd most populous city in the U.S. Irving is noted for its racial and ethnic diversity, and has been ranked as one of the most diverse cities in the United States. Irving includes the Las Colinas mixed-use master-planned community and part of the Dallas/Fort Worth International Airport.
Irving was founded in 1903 by J.O. “Otto” Schulze and Otis Brown. It is believed literary author Washington Irving was a favorite of Netta Barcus Brown, and consequently the name of the town site, Irving, was chosen. Irving began in 1889 as an area called Gorbit, and in 1894 the name changed to Kit. Irving was incorporated April 14, 1914, with Otis Brown as the first mayor.
By the late nineteenth century the Irving area was the site of churches, two cotton gins, a blacksmith shop and a general store. The Irving district public school system dates to the 1909 establishment of Kit and Lively schools. Population growth was slow and sometimes halting, with only 357 residents in 1925, but a significant increase began in the 1930s.
By the early 1960s the city had a population of approximately 45,000. A number of manufacturing plants operated in Irving, along with transportation, retail and financial businesses. The University of Dallas in Irving opened in 1956, and Texas Stadium was completed in 1971 as the home field of the Dallas Cowboys. The Chateau Theater opened in 1964 as part of a chain of premium, dollar, and drive-in theaters that stretched across North Texas and Oklahoma.
Delta Air Lines Flight 191 crashed in Irving on August 2, 1985.
Irving’s population reached 155,037 in 1990 and the United States Census Bureau estimated 236,607 residents in 2016, a 3.5 percent population increase over 2013 census estimates.
In 2000, an Oshman’s Sporting Goods store was robbed by the “Texas Seven”. In 2011, the Irving Convention Center at Las Colinas opened. Four years later high-school student Ahmed Mohamed was the subject of a hoax bomb incident which ignited allegations of racial profiling and Islamophobia from many media and commentators.
In 2019, Irving completed its construction of an entertainment district in Las Colinas with the opening of the Westin Irving Convention Center Hotel. The entertainment district also includes the Irving Convention Center at Las Colinas and the Toyota Music Factory, an entertainment complex with numerous restaurants, an Alamo Drafthouse Cinema, the Texas Lottery Plaza open-air performance stage and the Pavilion at the Toyota Music Factory concert venue.
On May 8, 2020, the city’s local poultry plant run by Westfield, Wisconsin-based Brakebush Bros. Inc reported 40 cases of COVID-19 among its workers during the 2019–2020 coronavirus pandemic.
According to the United States Census Bureau, the city has a total area of 67.7 square miles (175 km), of which 67.2 square miles (174 km) of it is land and 0.4 square miles (1.0 km) of it (0.65%) is water.
Irving includes the Las Colinas planned community, a mixed-use development with a land area of more than 12,000 acres (4,856 ha) that is home to many Fortune 500 companies and the Las Colinas Entertainment District. It also includes part of the Dallas/Fort Worth International Airport.
The warmest month on average is July, and the highest recorded temperature was 112 °F (44 °C) in 1980. The average coolest month is January, and the lowest recorded temperature was −8 °F (−22 °C) in 1899. Irving is considered to be part of the humid subtropical region. May is the average wettest month.
At the census of 2010, there were 216,290 people, 82,538 households, and 51,594 families residing in the city. The population density was 3,218.6 inhabitants per square mile (1,242.7/km). There were 91,128 housing units at an average density of 1,356 per square mile (524/km). According to the 2020 United States census, there were 256,684 people, 86,023 households, and 57,330 families residing in the city.
Irving has been noted for its racial and ethnic diversity. A 2012 study by the real estate website Trulia found that Irving’s 75038 zip code was the most diverse zip code in the United States, while Irving was ranked as the ninth-most diverse city in the United States with over 200,000 residents according to a Diversity Index developed by Brown University’s American Communities Project. The same survey said Irving was the eighth-most diverse city at a neighborhood level (again among cities with over 200,000 residents); Irving was the highest-ranked city in Texas at the city level and behind only Garland, TX at the neighborhood level.
According to the 2010 census, the racial makeup of the city was 53.1% White (30.8% non-Hispanic white), 12.3% African American, 0.9% Native American, 14.0% Asian, 0.1% Pacific Islander, 16.2% from other races, and 3.5% from two or more races. Hispanic or Latinos of any race were 41.1% of the population. The largest group of Hispanic or Latinos were of Mexican origin, while those of Salvadoran heritage form the second largest group; in 2009 they formed 11.8% of those born outside of the United States. The Hispanic and Latino residents have moved into eastern Irving, which contains older neighborhoods than other areas of Irving. By 2020, the composition of Irving was 21.03% non-Hispanic white, 12.36% Black or African American, 0.29% Native American, 22.32% Asian, 0.1% Pacific Islander, 0.48% some other race, 2.34% multiracial, and 41.09% Hispanic or Latino of any race.
The largest Asian American ethnic group in Irving is the Asian Indians. As of 2009 the Indians have mainly settled in proximity to high technology companies, into an area in western Irving along Texas State Highway 114. To absorb the Indian population, dense condominium and rental properties have opened in western Irving.
There were 82,538 households, out of which 33.4% had children under the age of 18 living with them, 43.1% were married couples living together, 13.6% had a female householder with no husband present, and 37.5% were non-families. 30.1% of all households were made up of individuals, and 4.5% had someone living alone who was 65 years of age or older. The average household size was 2.61 and the average family size was 3.31.
In the city, 29% of the population was under the age of 19, 8% was between ages 20 to 24, 35.8% from 25 to 44, 20.3% from 45 to 64, and 6.9% were 65 years of age or older. The median age was 31.3 years. For every 100 females, there were 99.9 males. For every 100 females age 18 and over, there were 98.6 males.
The 2012 median income for a household in the city was $49,303, and the median income for a family was $54,755. Males had an estimated median income of $40,986 versus $36,518 for females. The per capita income for the city was $26,970. About 13.2% of families and 16.2% of the population were below the poverty line, including 24.5% of those under age 18 and 9.4% of those age 65 or over.
According to the city’s 2017–2018 Comprehensive Annual Financial Report, the city’s top employers are:
Several large businesses have headquarters in Irving, including Nexstar Media Group, Aeroxchange, Caliber Home Loans, Nautilus Hyosung America, Inc., Chuck E. Cheese, Cicis, Commercial Metals, Envoy Air (formerly American Eagle), Gruma, H.D. Vest, Kimberly-Clark, La Quinta Inns and Suites, Michaels Stores, 7-Eleven, Southern Star Concrete, Inc., Stellar, a global contact center provider, Zale Corporation, Fluor Corporation, Flowserve, NCH Corporation, ITW Polymers Sealants North America, Celanese Corporation, a leading producer of specialty chemicals, Vistra Energy and its subsidiary TXU Energy, McKesson, and LXI Enterprise Storage. In June 2022, Caterpillar Inc, a construction and mining equipment manufacturer, announced it would move its headquarters to Irving.
The city is also home to the national headquarters of the Boy Scouts of America.
The headquarters of Nokia America and NEC Corporation of America are in Irving. The American headquarters of BlackBerry was in Irving.
Perhaps as a result of the Nokia-Irving connection, Irving is twinned with Nokia’s headquarters city, Espoo in Finland.
Irving is also the Headquarters of OSG USA INC., which is the North American Subsidiary of OSG Corporation in Japan. OSG is a leading provider of high end cutting tools used in industries such as automotive and aerospace.
The Irving Arts Center, owned by the city, is a home for the arts, housing 10 resident arts organizations. Resident Organizations provide cultural programs for the community, and opportunities to participate in the creative process. Community members can play a role in front of the curtain as musicians, actors, and artists, or behind the scenes as planners, technicians, directors and more. The Irving Arts Center is a Smithsonian Affiliate.
The city owns and operates four historical museums: The Jackie Townsell Bear Creek Heritage Center, The Ruth Paine House Museum, and The Mustangs of Las Colinas Museum. A fourth historical museum, the Irving Archives and Museum, opened in February, 2020.
Irving serves as the headquarters city for two college athletics conferences: the Big 12 Conference and American Athletic Conference.
Irving Independent School District (IISD) high schools play football and other sports at the Joy and Ralph Ellis Stadium (formerly Irving Schools Stadium). The stadium is located between Lee Britain Elementary School and Bowie Middle School at 600 E 6th St.
Irving was the home of Texas Stadium, the former home stadium of the Dallas Cowboys. The stadium was demolished on April 11, 2010. The city was also formerly the site of the Cowboys training facility for over 30 years. The National Football League’s Dallas Cowboys played in Irving at Texas Stadium from 1971 to 2008, and the team maintained its headquarters in Irving’s Valley Ranch neighborhood from 1985 to 2016.
Prior to the November 2008 elections, Irving banned the sale of alcoholic beverages in stores, making it the largest in population dry suburb in North Texas. In 2004 the pro-alcohol measure failed with 63% of voters opposing the measure. In 2006, 52% voted against the measure. On the third attempt, with heavy monetary backing by retailers, voters narrowly voted in favor of the measure in 2008. People in favor of changing Irving’s liquor laws saw the interest in the 2008 United States Presidential Election as a catalyst for changing the laws in their favor.
In 2009 Irving had a city council that was entirely at-large. While Irving has a large population of racial minorities, the entire city council and the mayor’s office, was entirely non-Hispanic White. Manny Benavidez, a resident of Irving, filed a lawsuit against the city in federal court in November 2007, saying that the voting system was not in compliance with the 1965 Voting Rights Act. On July 15, 2009, a federal judge ruled that Irving is required to create a new electoral system so that racial minority representatives may be voted into office. In 2010 elections, which included one at-large seat and two district-seats, three new council members were elected, replacing two incumbents and adding a newly created seat. Among the three new council members were two minority council members.
The city of Irving 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 Parkland Health & Hospital System (Dallas County Hospital District) operates the Irving Health Center.
The United States Postal Service operates post offices in Irving. The Irving Main Post Office is at 2701 West Irving Boulevard. Other post offices in the city include Central Irving, Las Colinas, and Valley Ranch.
The Irving Independent School District (IISD) serves most of Irving. Other areas are served by the Carrollton-Farmers Branch Independent School District (CFBISD), Coppell Independent School District (CISD), and Grapevine-Colleyville Independent School District.
The major high schools that serve Irving are:
In 2014, 3,821 of CFBISD’s 26,239 students resided in Irving.
In 2019 the Dallas Independent School District (DISD) opened North Lake Early College High School, which has a campus for students in grades 9–10 at North Lake South. The school is not within DISD’s boundaries but DISD is allowed to operate it as such under Texas law.
Uplift Education, a charter school operator, has its administrative offices in Irving. Uplift has two charter school campuses in Irving: Infinity Preparatory (K–12) and North Hills Preparatory (K–12).
Winfree Academy Charter School and Manara Academy Elementary are in Irving.
Irving is home to Cistercian Preparatory School, a university-preparatory school for boys, grades 5 through 12. Irving is also home to The Highlands School, a university-preparatory school for pre-kindergarten through 12th grade.
One Catholic Pre-K–8th grade school, Holy Family Catholic Academy, is in Irving. Irving is also home to the Islamic School of Irving (Pre-K–12). The Sloan School (Pre-K–5) and StoneGate Christian Academy (K4–12) are Christian private schools in Irving.
The city is the site of the University of Dallas and North Lake College, a campus of Dallas College. In addition, DeVry University has a campus in Irving.
Several highways transverse Irving. The Airport Freeway, SH 183, runs east-west in the city center, while LBJ Freeway or I-635 crosses the city’s northern edge in the same direction. John Carpenter Freeway, SH 114, and the President George Bush Turnpike create an X running northwest-to-southeast and southwest-to-northeast respectively. The Las Colinas area is centered near the intersection of 114 and the Bush turnpike.
Irving is one of 13 member-cities of the Dallas region’s transit agency, Dallas Area Rapid Transit (DART). Currently, Irving is served by numerous bus routes and has two stops along the Trinity Railway Express commuter rail route. In addition, DART’s Orange Line through runs through Irving and Las Colinas to DFW Airport. This connects northern Irving with Dallas through rail in addition to bus routes.
In 2015, 4.5 percent of Irving households lacked a car, which increased to 4.9 percent in 2016. The national average was 8.7 percent in 2016. Irving averaged 1.75 cars per household in 2016, compared to a national average of 1.8 per household.
The Las Colinas Urban Center is served by the Las Colinas APT System, a people-mover that connects businesses and entertainment areas.
Irving’s sister cities are:
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.
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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.