Owner Operators Commercial Truck Insurance Near Me Wylie, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Wylie, 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 Wylie, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Wylie, 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.
Wylie is a city and northeastern suburb of Dallas, that was once solely located in Collin County, but now extends into neighboring Dallas and Rockwall counties in the U.S. state of Texas. It is located on State Route 78 about 24 miles (39 km) northeast of central Dallas and centrally located between nearby Lavon Lake and Lake Ray Hubbard.
Originally called Nickelville, reportedly after the name of the first store, it was organized in the early 1870s. The Gulf, Colorado and Santa Fe Railway laid tracks a half mile north of the original townsite in 1886. The businesses of Nickelville moved to take advantage of the railroad within the following year, and the City of Wylie was incorporated in 1887 along the right-of-way. It was named for Lt. Colonel William D. Wylie, a right-of-way agent for the railroad and Civil War veteran.
That same year, Wylie had given itself its name, established a post office branch, and incorporated, choosing an alderman form of government. Two years later, the St. Louis Southwestern Railway reached the town. The two railroads and the rich agricultural region of the Blackland Prairies contributed to the town’s growth. In 1890, Wylie had a population of 400 and the first one-room school house was built. By 1900, it had grown to 773. In the next decade, the population tripled. Before 1920, the community had over 35 businesses, including two banks, a school, and a weekly newspaper.
Unlike many rural Texas communities, Wylie grew during the Great Depression years, reaching 914 residents by 1940. In part, this was a result of increased dairy farming to meet the demands of nearby Dallas. Following World War II, the population increase continued.
Onions were the town’s cash crop in the 1930s and 1940s. “Wide Awake Wylie” became the city’s nickname in the late 1940s and 1950s, a result of late night get-togethers of its citizens and businesses that stayed open until midnight on some evenings.
Designed to provide water for towns in four counties, the construction of the Lavon Dam and Reservoir 5 miles (8 km) north of town, and the selection of Wylie to house the offices of the North Texas Municipal Water District, pushed the population to 1,804 in 1960.
In the 1990s, Wylie had two disasters. On May 9, 1993 (Mother’s Day), a tornado ravaged downtown Wylie. In December 1998, two fires destroyed and damaged several businesses. After that, the downtown area was renovated, while preserving the many century-old buildings that remained standing. On April 11, 2016, a hail storm struck Wylie that produced softball-sized hailstones and damaged an estimated 80% of homes in the city, causing over $240 million in damage.
According to the United States Census Bureau, the city has a total area of 35.317 square miles, of which 21.037 square miles are land and 14.280 square miles, or 40.43%, are covered by water. Wylie is part of the subtropical region, with hot, dry summers and cold, mild, rainy winters.
As of the 2020 United States census, there were 57,526 people, 15,730 households, and 12,863 families residing in the city. As of the 2010 census the population was 41,427, having grown 173.8% since the census of 2000, when 15,132 people, 5,085 households, and 4,108 families resided in the city. The population density was 781.2 inhabitants per square mile (301.6/km). The 5,326 housing units averaged 275.0 per square mile (106.2/km2). The racial makeup of the city was 90.45% White, 2.07% African American, 0.70% Native American, 0.60% Asian, 0.03% Pacific Islander, 4.30% from other races, and 1.86% from two or more races. Hispanics or Latinos of any race were 10.44% of the population. At the 2020 census, the racial and ethnic makeup was 51.42% non-Hispanic white, 13.55% African American, 0.45% Native American, 0.07% Pacific Islander, 0.46% some other race, 4.58% multiracial, and 19.57% Hispanic or Latino of any race.
Of the 5,085 households in 2000, 50.7% had children under the age of 18 living with them, 64.9% were married couples living together, 11.2% had a female householder with no husband present, and 19.2% were not families. About 15.3% of all households 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 3.29.
In the city, the population was distributed as 33.4% under the age of 18, 7.2% from 18 to 24, 37.6% from 25 to 44, 15.9% from 45 to 64, and 5.9% who were 65 years of age or older. The median age was 31 years. For every 100 females, there were 97.4 males. For every 100 females age 18 and over, there were 94.9 males.
In 2000, the median income for a household in the city was $58,393, and for a family was $62,903. Males had a median income of $44,239 versus $31,084 for females. The per capita income for the city was $22,987. About 2.4% of families and 3.4% of the population were below the poverty line, including 3.3% of those under age 18 and 3.4% of those age 65 or over.
Wylie has a council-manager form of government, composed of a mayor and six council members (elected at large) along with an appointed city manager. The city has operated under a city charter (home rule) since 1985, when voters approved the measure in a referendum.
The city of Wylie 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.
Most of the Collin County portion of Wylie is served by Wylie Independent School District. Small portions in Collin County are served by Community Independent School District, Plano Independent School District, and Princeton Independent School District. The Dallas County portion is served by Garland Independent School District. The Rockwall County portion is served by Rockwall Independent School District.
As of December 2019, Wylie has 11 elementary schools, 3 intermediate schools, 3 junior high schools, and 3 high schools, including Achieve Academy. Collin College opened its new Wylie campus in August 2020 that can service up to 7,500 students at full capacity.
Wylie is served by these highways:
Kansas City Southern provides freight rail services (its line roughly parallels State Highway 78) and operates an intermodal facility 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.
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.
