Owner Operators Commercial Truck Insurance Near Me Lewisville, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Lewisville, 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 Lewisville, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Lewisville, 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.
Lewisville ( LOO-iss-vil) is a city in the U.S. state of Texas, predominantly within Denton County with a small part lying within Dallas County. As a suburban community within the Dallas–Fort Worth metroplex, the 2020 census tabulated a population of 111,822.
Originally called Holford’s Prairie, Lewisville dates back to the early 1840s. The arrival of the town’s first railroad in 1881 engendered its initial growth, and the expansion of the area’s transportation infrastructure spurred further development in the early part of the 20th century. Lewisville incorporated in 1925, and when construction of Lewisville Lake was completed in the 1950s, the city began to expand rapidly.
Lewisville’s proximity to Lewisville Lake has made it a recreational hub of the Dallas–Fort Worth metroplex. The area’s transportation infrastructure has evolved around the I-35 Corridor along Interstate 35E. The diversity of its population and industry has created a stable economic climate. Lewisville Independent School District provides most of the area’s public education programs.
In 1841, the Republic of Texas chartered the Peters Colony Land Grant Company (named for William Smalling Peters, publisher of the song “Oh! Susanna”) to settle the North Texas area. In 1844, John W. King and his wife settled on the east side of the prairie, where the city now lies. Baptist settlers from Platte County, Missouri, settled on the west side; among them were John and James Holford, who named the area Holford’s Prairie. Further south, Presbyterians established a church and called it Flower Mound. In the confusion over land ownership after the Hedgcoxe War, Basdeal Lewis purchased Holford’s Prairie in 1853 and renamed it after himself.
In 1845, the Fox family, which owned about a dozen slaves, buried a slave child called Melinda on the family farm, which eventually became the town’s cemetery for black residents. Named Fox–Hembry Cemetery, the plot still exists today. After it had fallen into disrepair, local residents and businesses gathered to restore it in 2011. Though Abraham Lincoln was not on the ballot in the area for the 1860 Presidential election, residents of Lewisville (listed as “Hollforts” on election results) still gave John C. Breckinridge only a 44–31 majority over an electoral fusion option.
During Reconstruction, Lewisville became home to Denton County’s first cotton gin. Built in 1867, it could produce up to three bales per day. The Thirteenth Texas Legislature chartered the Dallas and Wichita Railroad (later the Missouri–Kansas–Texas) on terms requiring 20 miles of track to be in running order by July 1, 1875. Lewisville paid the company $15,000 to come to the city, with a promise of another $5,000 on completion. The company fulfilled the deal by completing the railroad tracks to a point just south of Lewisville on the morning of the deadline, and the line began running full-time in 1881. Republicans in the Fourteenth Texas Legislature passed a law on April 30, 1874, prohibiting alcohol within two miles of the town. Many residents ignored the law, however, and the city retained as many as 17 saloons at one point. The population of the unincorporated town was 500 in 1888.
On January 15, 1925, residents voted by a margin of 17 votes to incorporate Lewisville, which established its official boundaries as a city. By 1930, Lewisville’s population had increased to 853, making it the fourth-most populous municipality in Denton County (behind Denton, Sanger, and Pilot Point).
Because the city’s economy had become diversified before the Wall Street Crash of 1929, Lewisville was relatively well insulated from the Great Depression. Many residents, including business leaders, nevertheless supported the New Deal programs of Franklin D. Roosevelt. By 1936, the Works Progress Administration operated a cannery in the city to provide temporary jobs for unemployed residents. As an extension of the Good Roads Movement, which had been prominent in Denton County since the early 1910s, residents formed the Good Roads Committee of Lewisville to lobby state and federal officials for funding to create better streets. Lewisville celebrated the paving of the U.S. Route 77 between Denton and Dallas in 1931 with a “Coming Out of the Mud” ceremony. The new pavement closed the “Lewisville Gap” between the two cities, a stretch of dirt road through the city that often became too muddy for travel.
The new road also led indirectly to the downfall of the area’s public transportation system. Between 1925 and 1932, the Texas Interurban Railway, an electric commuter rail service that ran from Dallas to Denton, operated a station in Lewisville. Business leaders in the Lewisville Chamber of Commerce welcomed the service at the time, proudly citing the city’s progressive citizenship. The area’s low population density could not sustain the venture, however, and in 1932, the line went out of business and immediately halted service.
On April 25, 1934, Raymond Hamilton of the Barrow gang robbed the First National Bank of Lewisville. Residents chased him to Howe, Texas, where he was captured at a roadblock and transferred to Dallas County Jail.
Lewisville’s rapid growth began when construction of the Garza–Little Elm Dam finished in 1954, expanding the Garza–Little Elm Reservoir into what is now Lewisville Lake. The city adopted a home-rule charter for a council–manager style of municipal government in 1963, becoming one of only a few home-rule cities in Texas with a population less than 5,000. In September 1969, 13 days after Woodstock, the city hosted the Texas International Pop Festival, which drew over 150,000 spectators and featured performances by Janis Joplin, B.B. King, and Led Zeppelin. In 2011, the Texas Historical Commission dedicated a historical event marker at the Hebron A-train station in Lewisville to commemorate the event.
When Dallas/Fort Worth International Airport opened to the south of the city in 1974 and Vista Ridge Mall opened at the intersection of Interstate 35E and Round Grove Road in 1989, Lewisville began to undergo rapid suburban growth. Its population increased from 24,273 in 1980 to 46,521 in 1990, making it the 40th-most populous city in Texas. In the early 1990s, the Lewisville Chamber of Commerce marketed the city with the slogan “City of Expanding Horizons”. Its population reached 77,737 in 2000 and 95,290 in 2010. The 2020s saw the annexation of the Castle Hills development, located northeast of the city, into its boundaries.
Lewisville is at 33°2′18″N 97°0′22″W / 33.03833°N 97.00611°W (33.038316, −97.006232) at an elevation of about 550 feet (170 m). It has a total area of 42.5 square miles (110 km), of which 6.1 sq mi (16 km) is covered by water. It lies at the southern end of Denton County and the northern end of the Dallas–Fort Worth metroplex, in the eastern part of the Cross Timbers region of Texas between the Texas Blackland Prairies and the Grand Prairie. Vista Ridge, a small plateau, is in the southeast corner of Lewisville, and the lowest part of Denton County, at 484 feet (148 m), is found in the city. Lewisville sits above the Barnett Shale, a geological formation containing a large quantity of natural shale gas.
Water constitutes about 14% of the city’s total area, including Lewisville Lake, the Elm Fork of the Trinity River, and two local tributaries of the Elm Fork – Prairie Creek and Timber Creek. A riparian zone encompasses a portion of the city in the southeast. The intersection of the Elm Fork and Lake Lewisville has given rise to a delta at the southern end of the lake, extending 6.9 miles (11.1 km) south. The Federal Emergency Management Agency has labeled much of the area surrounding the delta as “Zone AE”, meaning the area is subject to 100-year flood precautions.
Lewisville’s climate is classified as humid subtropical. Its Köppen climate classification is Cfa, which means it has a temperate climate, does not have a dry season, and has a hot summer. According to the United States Department of Agriculture, Lewisville is in a hardiness zone of 8a. The city is seldom affected by extreme weather, but Hurricane Carla in 1961 brought 86-mile-per-hour (138 km/h) winds and caused 6-foot (1.8 m) swells on Lewisville Lake. During heavy rains, Timber Creek can overflow its banks, and on rare occasions, flood some of the surrounding homes. The National Weather Service defines no official borders for Tornado Alley, but Lewisville is considered to be in it.
The 2010 United States census recorded a population of 95,290 in Lewisville, up from the 77,737 recorded for the 2000 U.S. census, making it one of the 25 fastest-growing city populations in the United States. The 2010 population was made up of 37,496 households and 23,417 families. At the 2018-2019 American Community Survey estimates, the city of Lewisville had a population of 108,562 and 109,212. Of its estimated population, 46.1% were male and 53.9% were female. There was an average of 85.5 males per 100 females. As of the 2020 United States census, 111,822 people, 39,664 households, and 24,536 families were residing in the city.
Its racial makeup in 2010 was 65.3% White, 11.2% African American, 0.7% Native American, 7.8% Asian (including a growing diaspora from Myanmar), 11.3% from other races, and 3.2% from two or more races. At 2010’s census, 29.2% of the population was considered to be of Hispanic or Latino origin. Children under 18 lived in 35.5% of the households. The average household size was 2.53 persons and the average family size was 3.21 persons. The median age was 30.9 years. Between 2007 and 2011, the median income for a Lewisville household was $56,811, and per capita income was $28,144. About 9.6% of the population was below the poverty line, as compared to 17% for Texas as a whole.
Lewisville’s racial and ethnic makeup at the 2018 census estimates were 45.6% non-Hispanic White, 12.4% Black or African American, 10.9% Asian, 0.7% some other race, 1.6% two or more races, and 28.3% Hispanic or Latino American of any race. The median age in Lewisville was 34.9. In 2018, Mexican Americans made up the largest Hispanic or Latino group within the city limit (22.9%). Puerto Ricans (1.2%) were the second-largest single Latin group followed by Cubans (0.1%) and other Hispanics or Latinos (4.2%). By the 2020 census, its racial and ethnic makeup was 36.37% non-Hispanic White, 15.45% Black or African American, 0.31% Native American, 11.21% Asian, 0.06% Pacific Islander, 0.46% some other race, 4.07% multiracial, and 32.06% Hispanic or Latino American of any race.
The 41,101 households in 2019 had an average household size of 2.63. The average family size was 3.44. About 76.6% of Lewisville’s residents were native-born and 21.6% were foreign-born. Of the immigrant population, 39.7% were naturalized U.S. citizens. The majority of its immigrant population had lived in the city before 2010. Roughly 40% entered after 2010. At home, 34.6% spoke another language other than English. From 2014-2019, the median household income increased to $65,836. Resident households had a mean income of $79,211.
The city has a diverse commercial tax base. Its top employers include JPMorgan Chase, Lewisville Independent School District, and Nationstar Mortgage. Automobile dealerships have flourished there, including Huffines Auto Dealerships and Village Auto Group, which was ranked as one of the top “Powerhouses of the New Economy” by Black Enterprise magazine in 2000.
Lewisville’s lake and the city’s location in the DFW metroplex have contributed to the largest boat-sales market in the state by volume in a state second in the nation in overall boat sales. Because of the city’s proximity to Dallas and Fort Worth, a number of food distribution companies have branches in Lewisville, including Sysco and Meadowbrook Meat Company (MBM). Fleming Companies, one of the United States’ largest food distribution companies, relocated to Lewisville in 2000, but it filed for Chapter 11 bankruptcy in 2003 after the U.S. Securities and Exchange Commission announced the company had been hiding massive losses. Responsive Education Solutions, which operates chartered schools nationwide, is also headquartered in Lewisville. Adeptus Health, a health-care provider, and the utility company Texas—New Mexico Power are also headquartered in the city.
The Lewisville Grand Theater, known informally as The Grand, is on the east side of Interstate 35E in Lewisville’s Old Town. It is a hub for the arts in Lewisville, able to show films, host meetings, and provide a venue for various kinds of artistic performances. The project began in 2004 and aimed to fulfill a long-term goal of building an arts center to coincide with the 2011 opening of the Old Town Station. The facility opened in January 2011 with a series of performances, children’s shows, concerts, and exhibits, and the Greater Lewisville Arts Alliance presented the theater with a $25,000 contribution to begin their fundraiser to place a Steinway piano in the theater. In 2011 and 2012, The Flower Mound Connection newspaper named the MCL Grand the best events venue in Denton County.
The facility originally was called Medical Center of Lewisville Grand Theater as part of a 10-year naming-rights agreement with the local hospital. It later changed name to Medical City Lewisville Grand Theater when the hospital was rebranded. The naming rights agreement with Medical City Lewisville ended in December 2020 and the facility was renamed Lewisville Grand Theater.
The city government created the Lewisville Public Library in 1968, naming Cindy Bennett as its first director. A 5,000 sq ft (460 m) structure was built where the city hall now stands. A new library facility was built in 1986 as part of the municipal building on Main Street. In 2001, Lewisville voters approved a 4B tax package, part of which was dedicated to building a new library facility, the children’s wing of which was dedicated to Bennett. The $11 million renovation opened in 2006, and it received the Achievement of Excellence in Libraries Award in that year and again in 2009. Lewisville was also the temporary home of the George W. Bush Presidential Library until 2013.
Lewisville is served mainly by media from the Dallas area, but a number of niche publications focus on local news. The Lewisville Enterprise merged with The Lewisville Leader in 1962. The paper’s publisher and editor at the time, U.O. Clements, was a staunch conservative, but vociferously supported the racial integration of Lewisville Independent School District, for which he received many anonymous threats from members of the Ku Klux Klan. Clements sold the paper to Harte-Hanks Community Newspapers in 1971. Star Newspapers, which owned the Leader, was purchased by 1013 Communications in 2012. The newspaper is based in Plano, Texas. In 2011, the Lewisville City Council designated the Lewisville portion of Neighborsgo, a weekly section of The Dallas Morning News, as the city’s official newspaper of record.
The city of Lewisville operates public recreation facilities, including parks, two recreation centers, and approximately 14 miles (23 km) of trails. The $20 million Railroad Park was built in 2009 using the revenue from a quarter-cent sales tax increase; it was the largest capital project in the city’s history at the time. It was renamed Toyota of Lewisville Railroad Park in 2010 in a deal worth $1.5 million. The park has a baseball/softball complex, a football complex, eight lighted soccer fields, two concession buildings, a perimeter walking/jogging trail, three man-made lakes, a dog park and the Scion Skate Park. Since 2010, the skate park has hosted the Scion Regional Amateur Tour, part an annual series of six skateboarding competitions held across the country. In 2012, the venue hosted its first annual triathlon event benefiting the Court Appointed Special Advocates (CASA) of Denton County.
Lewisville Lake Park comprises 662 acres (268 ha), which the city leases from the United States Army Corps of Engineers. The park includes various amenities, including athletic fields and designated campgrounds. The Lewisville Fishing Barge, an indoor–outdoor fishing facility that opened in 1958, is on the lake. The park also hosts the Rick Neill Memorial, a cross-country running meet the Lewisville High School track and field team organizes each year. In February 2013, the city began to review a development proposal to build a resort hotel and convention center on a 60-acre (0.24 km) parcel of land next to the lake.
Lewisville Lake Environmental Learning Area (LLELA) is a 2,600 acres (1,100 ha) nature preserve managed by the city in partnership with Lewisville ISD and UNT. It has over 7 miles of hiking trails as well as opportunities for fishing, kayaking, and canoeing. LLELA serves as the centerpiece for the city’s Green Centerpiece Master Strategy, which aims to preserve the natural spaces around Lake Lewisville and establish the city as a major recreation destination within the DFW metro area.
Lewisville is also a major hub of the Northern Golf Corridor of the Dallas–Fort Worth metroplex. Located on the city’s southeast edge, the Lakes at Castle Hills is a Jay Morrish-designed course which opened in the late 1990s; critics have rated the course highly, praising its amenities and difficulty level. Lake Park Golf Course, near Lewisville Lake, is noted for its beginner-friendly design. The nine-hole, 1,724-yard (1,576 m) Lake Park Executive course opened in 1994. Lewisville is also home to professional golfer Chad Campbell, winner of the 2003 Tour Championship.
In 2011, the Lewisville Park Board proposed a new master plan for the city’s parks and recreation facilities. It specifies a major overhaul of the city’s trail system, including 51 miles (82 km) of off-street trails, 50 miles (80 km) of enhanced sidewalks, 50 miles (80 km) of bicycle routes, a 7.4-mile (11.9 km) paddling trail down the Elm Fork of the Trinity River, and 31 major and minor trailheads throughout the area, many of which would connect to other trail networks. The plan includes numerous crossings of Interstate 35E for pedestrian and bicyclist safety. In March 2012, the Park Board began reviewing a new master plan to address the next ten years of park development in the city.
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.