Owner Operators Commercial Truck Insurance Near Me Pflugerville, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Pflugerville, 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 Pflugerville, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Pflugerville, 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.
Pflugerville ( FLOO-gər-vil) is a city in Travis County, Texas, United States, with a small portion in Williamson County. The population was 65,191 at the 2020 census. Pflugerville is a suburb of Austin and part of the Austin–Round Rock– Metropolitan Statistical Area. It was named after the original German settlers who farmed the area; Pflüger means ‘plowman’.
Pflugerville is located at 30°26′46″N 97°37′26″W / 30.446122°N 97.623989°W, 14 miles (23 km) northeast of downtown Austin along FM 1825 (Pecan Street) in northern Travis County. It is 15 miles (24 km) northeast of the Colorado River.
According to the 2010 United States Census Bureau, the city has a total land area of 22.32 square miles. It has 40.39 square miles in the extraterritorial jurisdiction. The city has one body of water, Lake Pflugerville, created in 2005 to serve as a water reservoir and recreation area, and two creeks, Gilleland Creek and Wilbarger Creek. A local school group, Wilbarger Water Watchers, in association with the LCRA, monitors the waters of Wilbarger Creek to ensure it meets the United States Environmental Protection Agency’s national standard.
The area was initially settled by German immigrant Henry Pfluger, Sr. (1803–1867) and members of his family from late 1849 into early 1850. Pfluger had been a wealthy farmer in Germany, but lost all of his property during the Prussian War. He arrived in the country with $1,600 and purchased 160 acres (0.65 km) of land two miles (3 km) east of Austin from John Liese, a brother-in-law who had immigrated before him. In 1853, Pfluger paid Liese $960 for a 960-acre (3.9 km) tract of land in an area known as Brushy Knob. There, the family lived in a five-room log cabin and raised corn, wheat, rye, beans, sweet potatoes, and sugar cane. The Pfluger family also owned several slaves, some of whom were fluent in German.
The beginnings of a community did not develop until after the Civil War.
During the 1870s, a school and Lutheran church were established at the settlement. The first commercial business in the community was a general store built by Louis Bohls in 1890. Two local organizations, the German-American Mutual Assistance Foundation, to insure residents against natural disasters; and “Pflugerville Schuetzen und Kegel Verein,” a shooting and bowling club, were started. Pflugerville’s post office opened in 1893, with Louis Bohls serving as its first postmaster.
The population reached approximately 250 during the mid-1890s, and a small downtown developed, although most residents did their banking and shipping in Round Rock, eight miles (13 km) to the northwest.
Wooden buildings were erected on Main Street and Pecan Street, many by Conrad Pfluger, one of Henry Pfluger, Sr.’s eight sons.
In 1904, the Missouri–Kansas–Texas Railroad (MKT) completed its track between Georgetown and Austin, passing just outside Pflugerville. Its close proximity to the line caused the community to grow rapidly. The line was eventually abandoned and razed in 1976.
On February 19, 1904, the town site of Pflugerville was platted by George Pfluger and his son, Albert, dedicating streets and alleys for the town from the Alexander Walter and C. S. Parrish Surveys in Travis County. The plat consisted of sixteen blocks, rights-of-way, and the depot grounds to the MKT. The first addition to the town was the six-block Wuthrich Addition, platted on November 22, 1904. The first cotton gin was built by Otto Pfluger in 1904. It was destroyed by fire in 1931 and a new one was built at the same location.
On June 8, 1906, the Farmers State Bank of Pflugerville opened with William Pfluger as its president and A.W. Pfluger as cashier.
The first issues of the Pflugerville Press, a weekly newspaper, began publishing on August 7, 1907 and operated through October 29, 1942.
In 1910, black workers who worked in the Pflugerville cotton industry were not allowed to move into the town. Farmer La Rue Norton, who owned 1,200 acres (4.9 km) of land west of Pflugerville, set aside an acre and sold lots to the workers at $50 each. County records listed the settlement as Pflugerville’s Colored Addition in April 1910.
The first German Day celebration in Pflugerville took place on May 29, 1910.
In 1913, H.S. Pfluger built the Sky Dome Theater, which showed motion pictures to the accompaniment of a player piano on Friday and Saturday nights. It closed in 1928.
In the early 1920s, Pflugerville was home to an estimated 500 residents.
During that period, several area school districts consolidated with Pflugerville High School.
Around 580 people lived in the community in 1930. The arrival of the Great Depression halted what had been a lengthy period of growth in Pflugerville. The population fell slightly to 500 in 1940. In the years immediately after World War II, the community lost around a quarter of its population as citizens moved to Austin and other larger cities with greater employment opportunities. Despite the challenges of population loss and limited economic development, Pflugerville managed to survive.
The community gained national attention when the Pflugerville Panthers won 55 consecutive football games from 1958 to 1962.
Efforts to incorporate Pflugerville culminated in the holding of an election on July 24, 1965. A total of 102 votes were cast, with 60 (58.8%) supporting the proposition and 42 (41.2%) opposed. The town incorporated under a commission form of government. On April 4, 1970, an election was held that changed the form of government from commissioner to aldermanic, providing for an elected mayor and five aldermen.
Pflugerville’s population began to rebound after its incorporation, and by the 1970 census, it stood at 549. That figure had risen to 745 by 1980.
A weekly newspaper, the Pflugerville Pflag, began publication in 1980.
During most of the 1980s, new development made Pflugerville one of the fastest-growing cities in Texas. Estimates from the late 1980s were as high as 3,900. Although the boom was slowed by a statewide recession, Pflugerville’s population grew to 4,444 in 1990.
Throughout the 1990s, the city of Austin experienced a rapid rise in its population. This was also the case in suburban areas surrounding the city. Pflugerville more than doubled in size by the next census, in 2000. Since then, Pflugerville has grown by approximately 20,000, with the total number of residents approaching 40,000 as of 2008. The 2010 Census placed Pflugerville’s population at 46,936, but with annexations since the 2010 census, the U.S. Census Bureau estimates it to be 59,245 as of July 1, 2016. According to data from the 2000, 2010 and 2017 population estimates compiled by the U.S. Census Bureau, Pflugerville has the largest percentage black population out of all suburban cities in the Austin metro.
Pflugerville elected its first Hispanic Mayor, Victor Gonzales, in 2016.
As of the 2020 United States census, there were 65,191 people, 22,210 households, and 16,615 families residing in the city.
As of the census of 2010, there were 46,936 people, 15,789 households, and 12,260 families residing in the city. The population density was 2,102.8 inhabitants per square mile (811.9/km). There were 16,418 housing units at an average density of 736.2 per square mile (284.2/km). The racial makeup of the city was 64.1% White, 15.5% African American, 0.6% Native American, 7.4% Asian, 0.1% Pacific Islander, 8.6% from other races, and 3.6% from two or more races. Hispanic or Latino people of any race were 27.7% of the population.
There were 15,789 households, out of which 45.0% had children under the age of 18 living with them, 59.4% were married couples living together, 13.4% had a female householder with no husband present, and 22.4% were non-families. Of all households 17.0% were made up of individuals, and 4.2% had someone living alone who was 65 years of age or older. The average household size was 2.96 and the average family size was 3.35.
In the city, the population was spread out, with 30.6% under the age of 18, 6.9% from 18 to 24, 32.4% from 25 to 44, 24.0% from 45 to 64, and 6.0% who were 65 years of age or older. The median age was 33.8 years. For every 100 females, there were 93.9 males. For every 100 females age 18 and over, there were 89.2 males.
According to the U.S. Census Bureau’s 2008-2012 American Community Survey 5-Year Estimates, the median income for a household in the city was $75,119, and the median income for a family was $84,449. Males had a median income of $53,670 versus $46,451 for females. The per capita income for the city was $29,995. About 6.6% of families and 9.0% of the population were below the poverty line, including 12.5% of those under age 18 and 3.5% of those age 65 or over.
By comparison, the census of 2000 reported 16,335 people, 5,146 households, and 4,425 families residing in the city. The population density was 1,440.6 inhabitants per square mile (556.2/km). There were 5,239 housing units at an average density of 462.0 per square mile (178.4/km). The racial makeup of the city was 77.18% White, 9.46% African American, 0.24% Native American, 4.31% Asian, 0.09% Pacific Islander, 5.99% from other races, and 2.74% from two or more races. Hispanic or Latino people of any race were 16.69% of the population.
There were 5,146 households, out of which 56.4% had children under the age of 18 living with them, 72.4% were married couples living together, 10.4% had a female householder with no husband present, and 14.0% were non-families. Of all households 10.1% were made up of individuals, and 1.7% had someone living alone who was 65 years of age or older. The average household size was 3.15 and the average family size was 3.39.
In the city, the population was spread out, with 34.6% under the age of 18, 6.0% from 18 to 24, 38.8% from 25 to 44, 16.9% from 45 to 64, and 3.7% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 97.3 males. For every 100 females age 18 and over, there were 93.6 males.
The median income for a household in the city was $71,985, and the median income for a family was $73,629. Males had a median income of $49,989 versus $32,188 for females. The per capita income for the city was $26,226. About 1.7% of families and 1.7% of the population were below the poverty line, including 2.1% of those under age 18 and 1.3% of those age 65 or over.
Public education in Pflugerville is provided by the Pflugerville Independent School District (PfISD). The district encompasses all or part of six municipalities, including Pflugerville, Austin, Coupland, Hutto, Manor and Round Rock.
As of the 2017–2018 school year, PfISD has an enrollment of approximately 25,300 students and operates four high schools (Pflugerville, Connally, Hendrickson, and Weiss), six middle schools, 20 elementary schools, and two alternative campuses.
A small part lies within the Manor Independent School District.
In the 1980s and 90s, transportation officials were reviewing an abandoned Missouri-Kansas-Texas rail right-of-way, abandoned in 1976 for use as an alternative for I-35, Texas 130. As the 21st century approached, and development started in Pflugerville, the plans for the tollway was eventually moved to the east, as it would be too disruptive, splitting the town in half.
In response to a recent influx of higher sales tax revenue, the City Council lowered the property tax rate annually from 2003 to 2014. In 2015 an increase in the property tax rate was announced for the first time in more than a decade, to pay for $53 million in transportation and park bond projects approved by voters in a 2014 bond election.
While a mile-long stretch of Interstate 35 is often said by local media and residents to be in Pflugerville, the city of Austin actually controls this land, either as part of the city or through its extraterritorial jurisdiction. In November 2006, the first parts of a central Texas tollway system opened, including State Highway 130 and State Highway 45, increasing accessibility to Pflugerville. Approximately three miles of 130 run through Pflugerville, including the intersection of 45 and 130.
One such development, Stone Hill Town Center, has opened, and includes Home Depot, SuperTarget, At Home, Haverty’s, Dick’s Sporting Goods, PETCO, Ross Dress for Less, Office Depot, Cowboy Fit, James Avery, Cinemark Theatres and a St. David’s HealthCare 24-hour emergency care facility. With its close proximity to the Austin Executive Airport and SH 130, the connectivity of the area is attracting businesses and bringing jobs to Pflugerville.
Before the Stone Hill development and the nearby Pfluger Crossing (a development that includes a Walmart Supercenter) opened their first stores in 2007, the city’s two largest retailers were an Albertsons grocery store (which operated from 1996 to 2006) near Pflugerville High School and an H-E-B grocery store (operating since 2000) east of downtown.
The Pflugerville Community Development Corporation (PCDC) has overseen economic development for the city since late 2009 as a Texas 4B Economic Development Corporation that collects a one-half cent sales tax on taxable goods purchased in the City of Pflugerville for the purpose of promoting economic development. The PCDC is a separate entity that reports to City Council.
In 2010, RRE Austin Solar broke ground on what will be one of the nation’s largest solar farms, the 60 MW Pflugerville Solar Farm, but as of July 2013 no significant construction had begun.
PCDC has helped to develop the 130 Commerce Center, at the corner of State Highway 130 and Pecan (FM 1825), an office park with FedEx, TrackingPoint, Community Impact Newspaper, and D-bats, as well as two hotels and a conference center anticipated in 2016. EOS and Medway Plastics are planned tenants.
On August 6, 2013, the city agreed on a development deal with Harvest Family Entertainment to build the sixth and largest Hawaiian Falls water park just south of the intersection of State Highway 130 and State Highway 45 across from Stone Hill Town Center. The proposed $21 million endeavor would consist of a 15-acre water park along with a 5-acre adventure park that would become the largest water park in the company. Hawaiian Falls Pflugerville opened in June 2014. The operator of Hawaiian Falls water and adventure parks defaulted on the October 2015 payment for Hawaiian Falls Pflugerville, and requested a deferment. The operator caught up with payments by December 18, 2015, but again defaulted on lease payments beginning in September 2016. The city began negotiations with Typhoon Texas to take over the water park lease.
In 2020, Amazon began construction on a distribution center in Pflugerville. The distribution center has been reported to bring 1,000 full-time jobs and be one of the largest distribution centers in the state. In partnership, the City Council signed an agreement in which Amazon agrees to invest $250M and create 1,000 fulltime jobs and the Pflugerville Community Development Corporation will use money earmarked for economic development to make additional roadway and intersection improvements along FM 1825/Pecan St to support the project.
Curative, Inc. opened a lab in Pflugerville in 2020 bringing hundreds of jobs. The company processes COVID-19 testing results.
There are 28 developed parks, over 40 miles (64 km) of trails, 500 acres (200 ha) of parks and 528 acres of open space within Pflugerville’s city limits. Many of the parks offer a full range of amenities from pavilions, gazebos and playgrounds to pools and picnic areas.
Pfluger Park is along Gilleland Creek and is the site of the city’s annual German festival, the Deutschen Pfest, held the third weekend in May. The park includes the Fallen Warrior Memorial, trails, a grove, playground, volleyball courts, basketball court, picnic areas and large shade trees. Pfluger Park is also used for music events and festivals.
Lake Pflugerville is a 180-acre (73 ha) reservoir built to provide the citizens of Pflugerville with drinking water. It is open for fishing, swimming, jogging, canoes, kayaks and wind surfing. Lake Pflugerville Park includes a three-mile walking/jogging trail, playground, boat launch, pavilion and beach area.
The Northeast Metro Skate/BMX Park opened on September 18, 2012 near Pflugerville. The 349-acre (141 ha) Northeast Metropolitan Park is a multiple-use recreational area with soccer fields, multi-use fields, baseball fields, a cricket field, basketball court, tennis court, and a skate park. Amenities include restrooms, playgrounds, group shelters, picnic tables with grills, concession building for rent, and a water play area.
Hawaiian Falls opened a water park and adventure park in Pflugerville on Memorial Day weekend, 2014. The water park is now known as Typhoon Texas. Typhoon Texas has celebrated more than 3 seasons in Pflugerville and recently opened a new restaurant, The Patio entertainment venue.
In 2015, the city purchased a 237-acre (96 ha) tract of land for a community park with a new sports complex and nature areas for $4.276 million. It will be home to the future sports complex as approved by the voters in the 2014 General Bond Election. The first phase opened.
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.