Owner Operators Truck Insurance Near Me Cedar Hill, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Cedar Hill, 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 Cedar Hill, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Cedar Hill, 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.
Cedar Hill is a city in Dallas and Ellis counties in the U.S. state of Texas. It is located approximately 16 miles (26 km) southwest of downtown Dallas and is situated along the eastern shore of Joe Pool Lake and Cedar Hill State Park. Per the 2020 United States census, the population was 49,148. Cedar Hill is a suburb of the city of Dallas and is part of the Best Southwest area, which includes the nearby cities of DeSoto, Duncanville, and Lancaster.
Early in its history, Cedar Hill lay along a branch of the Chisholm Trail and served as the temporary county seat of Dallas County. In 1856, a tornado swept through the town, killing nine people and destroying most of its buildings. The seat of the county was moved to Dallas not long after.
Cedar Hill was founded around 1846 by a small group of settlers from the Peters Colony. They came from Kentucky, Alabama, and surrounding areas to arrive in the Dallas area of North Texas; 197 families and 184 single men settled in what is now Cedar Hill, making it the largest settlement in the area at the time.
Cedar Hill has five homes listed on the National Park Service’s National Register of Historic Places, 4 historical structures on the Texas Historical Commission’s list of Recorded Texas Historic Landmarks, and 2 graveyards designated as “Historical Texas Cemeteries” by the Texas Historical Commission, one of which is believed to be the oldest integrated cemetery in Dallas County.
On April 29, 1856, Cedar Hill was struck by a tornado that claimed at least nine lives, damaged property, killed livestock, and reportedly left only two structures standing. Among the survivors was teacher and pastor, Robert Crawford. Crawford donated four acres of his land to church trustees to be designated as a free and indiscriminate public graveyard. Nine victims of the tornado were buried on Crawford’s land.
The graveyard lay lost for about 100 years. It was rediscovered and certified by the Texas Historical Commission in 2006, and was named the Crawford Tornado Graveyard. The graveyard was reconsecrated in a blessing ceremony on October 7, 2011. The Texas Historical Commission marker was officially placed on the site on April 29, 2012, the 156th anniversary of the tornado.
On October 8, 1932, the then First State Bank of Cedar Hill was robbed by Raymond Hamilton, a sidekick of bank robbers Bonnie and Clyde. After taking the money, he locked the employees in the vault and made his getaway. When Hamilton got wind of reports that some of the cash had been hidden during the first robbery, he returned to rob the bank again. The consecutive robberies took a toll on the bank, causing it to fall into financial ruin and ultimately close its doors for good.
Raymond Hamilton was incarcerated at Eastham Prison in Lovelady, Texas on other charges when, on January 17, 1934, his partners, Bonnie and Clyde, broke him out of jail. The gang is known to have had an old hide out on the south edge of Cedar Hill and scattered places in the Mountain Creek Valley.
Hamilton was later re-captured on April 24, 1934, after robbing a bank in nearby Lewisville, Texas. The building where the robbery took place still stands in Historic Downtown Cedar Hill. It is the current home of Cedar Hill Barbers. In March 2008, the building was designated as a historic resource by the city of Cedar Hill and bears an official medallion indicating its significance.
Cedar Hill is located at 32°35′18″N 96°56′50″W / 32.58833°N 96.94722°W (32.588454, –96.947325) in North Texas. Adjacent cities are Grand Prairie to the southwest, west, and northwest; Dallas to the north; Duncanville to the north and northeast; DeSoto to the northeast and east; Glenn Heights and Ovilla to the southeast; and Midlothian to the south. Most of the city of Cedar Hill is in Dallas County, but a small southern section of the city spills over into Ellis County.
According to the United States Census Bureau, the city has a total area of 35.9 square miles (93.0 km), of which 35.8 square miles (92.8 km) is land and 0.08 square miles (0.2 km), or 0.26%, is water.
The city is sometimes referred to as the “hill country of Dallas” (in comparison to the “hill country” surrounding Austin and San Antonio). The city is full of native eastern red cedar evergreen trees and stands at an elevation of about 800 feet (240 m) above sea level—the highest point in a straight line from the Red River at the Texas-Oklahoma border to the Gulf Coast.
Because of its elevation many local radio and TV stations have their antennas located there. Pulse-Doppler weather radar equipment for tracking tornadoes are also attached to these steel antenna masts that reach several thousand feet into the air.
The “Austin chalk” limestone uplift on which most of Cedar Hill is spread is covered with “gumbo”-cleche-clay topsoil from a few inches to many feet. The western edge of the city, primarily the Lake Ridge neighborhood, falls below the limestone uplift on the Eagle Ford shale strata surrounding Joe Pool Lake.
From the 1950 United States census-tabulated population of 732, to 200’s 32,093 people, the city of Cedar Hill has experienced positive growth trends as a suburban community of Dallas. According to the 2020 U.S. census, Cedar Hill’s population grew to 49,148.
Among the municipal populace, the racial and ethnic makeup was 52.47% Black or African American, 24.17% Hispanic or Latino American of any race, 17.59% non-Hispanic white, 2.88% multiracial, 2.11% Asian American, 0.41% some other race, 0.32% American Indian or Alaska Native, and 0.04% Native Hawaiian or other Pacific Islander; its multicultural demography has been attributed to nationwide demographic trends of diversification. For contrast, in 2000 the racial makeup of the city was 56.67% White, 33.61% African American, 0.50% Native American, 1.98% Asian, 0.05% Pacific Islander, 4.87% from other races, and 2.32% from two or more races. Hispanic or Latinos of any race were 11.91% of the population.
The median income as of the 2000 census for a household in the city was $60,136, and the median income for a family was $63,416. Males had a median income of $41,360 versus $32,207 for females. The per capita income for the city was $23,389. About 4.2% of families and 5.5% of the population were below the poverty line, including 7.7% of those under age 18 and 6.5% of those age 65 or over. By 2020, its median household income increased to $75,715.
In the early 1990s, the population of Cedar Hill was increasing rapidly and citizens began to be concerned about the need for orderly economic development. An economic development advisory committee was formed by the city council that surveyed the residents to see how they envisioned Cedar Hill’s future. Based on the response, subcommittees were formed to look into funding, asset enhancement, and community image.
In January 1994 voters approved a special sales tax to fund the economic development efforts, and the Cedar Hill EDC was incorporated in September 1994. They began with an annual budget of $150,000, and have increased it to $3.5 million with their development efforts. The economic development corporation has been a huge proponent in development activity in the City, assisting with recruiting and retaining businesses.
Since 2000, the city has added several retail outlets. The opening of The Plaza at Cedar Hill, in the fall of 2000, began the growth. This 260,000 sq ft (24,000 m) retail center included a variety of large and small stores, including Pier 1 Imports, Macaroni Grill, David’s Seafood, Chili’s, Hobby Lobby and OfficeMax. Sprouts Farmers Market opened a new store in October 2009.
Later that year, The Cedar Hill Crossing was built. The retail area includes anchors Home Depot and Kohl’s. A few years later, in 2003, Cedar Village, 70-acre (280,000 m), was built to include linking a new city hall and historic Main Street district to retail, residential, office and entertainment developments. The Village includes retail frontage along US Hwy 67, restaurants, office space, a stand-alone 100,000 sq ft (9,300 m) J. C. Penney, and an Ultimate Electronics, which was later changed to a 24 Hour Fitness.
The Pleasant Run Towne Crossing was built in 2003 with 409,000 sq ft (38,000 m) of retail including anchors like SuperTarget, and Bed Bath & Beyond. Restaurants nearby include Joe’s Crab Shack, Saltgrass Steak House and Panera Bread. A couple of years later, Cedar Hill Pointe was built, which opened in 2005, with Best Buy, Rooms to Go Beds, Wolf Camera and other retail stores.
Hillside Village (formerly Uptown Village at Cedar Hill), Cedar Hill’s upscale lifestyle center, opened in March 2008. The 615,000-square-foot (57,100 m) lifestyle shopping center includes three anchor stores (Dillard’s, Barnes & Noble, and Dick’s Sporting Goods), 65 additional stores, and numerous restaurants. Some of the stores include Hollister Co., American Eagle Outfitters, Old Navy, Victoria’s Secret, Aéropostale, Finish Line, Foot Locker, Champs Sports, Rue21, Charming Charlie, and GameStop. Some of the restaurants include Avocado California Roll & Sushi, Razoo’s Cajun Cafe, and Wing Bucket. Hillside Village is bound by Highway 67 to the east, FM 1382 on the south, Pleasant Run Road on the north, and Cedar Hill Road on the west.
The Uptown Village development was awarded the 2006 Best Real Estate Deal in Retail/Hospitality by Dallas Business Journal.
Trademark Property Co. acquired the Uptown Village property in 2015 which brought multimillion-dollar renovations including first phase: new children’s play area, new promenade section with a bocce ball court, a covered stage area, and enhanced outdoor elements to increase the shopping experience at the lifestyle center. The new name and corresponding new brand were selected to reflect the garden-like look and feel planned in the multimillion-dollar property renovation as well as paying homage to the community in which it lies. The center now includes new tenants H&M and F21 Red.
The City worked with citizens on developing a long-range plan called City Center Vision Plan. The plan is a specific area plan dedicated to transforming Cedar Hill’s City Center into a walkable, mixed-use destination that will have a sense of place. City Center consists of 3 sub districts referred to as Uptown, Midtown and Historic Downtown. City Council adopted the City Center Development Plan in October 2014, the implementation of this plan is fully underway. Implementation of the Plan has four components: Regulation Actions, Economic/Financing Strategies, Communication/Marketing and Projects.
In 2014, a $26 million project was developed in Midtown area. Midtown Apartments is a 255-unit, 3-apartment story complex that lies within the City Center area plan providing residents direct access to outdoor recreation activities, retail and restaurants. The development was recognized in 2014 as Best Real Estate Deal in Multifamily Deal by Dallas Business Journal.
Most of the city is served by the Cedar Hill Independent School District. Some of it is served by Duncanville Independent School District and the Midlothian Independent School District.
The Cedar Hill ISD portion is served by Cedar Hill High School and Cedar Hill Collegiate High School. The Duncanville ISD portion is served by Duncanville High School. The Midlothian ISD portion is served by Midlothian High School. Life School, a public charter school, operates the K–4 Cedar Hill campus. Additionally, Trinity Christian School – Cedar Hill (affiliated with a local Assemblies of God church) also serves the area.
Dallas County residents are zoned to Dallas College (formerly Dallas County Community College or DCCCD). Portions in Ellis County are zoned to Navarro College.
Cedar Hill has set aside 20% of its land for parks and green space. 3,000 acres of nature reserves and preserves are located in Cedar Hill including Dogwood Canyon and Cedar Hill State Park.
Dogwood Canyon was formed by the convergence of two ecosystems: the Blackland Prairie, which covers the majority of Dallas County, and the white rock of the Austin Chalk deposits.
Wildlife living in the canyon include birds such as the painted bunting, black-capped vireo, and golden-cheeked warbler, the latter two of which are endangered. Wildlife species include bobcats, coyotes, lizards, and snakes.
The canyon is named for the flowering Dogwoods found throughout the escarpment. Other plant life found in Dogwood Canyon include the White trout-lily as well as three species of Hexalectris orchids, which are among only a few hundred in the country.
Cedar Hill State Park opened in 1991, and is located on the northeast corner of Joe Pool Lake. The park consists of 1,826 acres of land and miles of shoreline. The area is a transition zone between the rolling tallgrass prairie with its black clay soil and the rugged limestone escarpment.
The park considers the native tallgrass prairie remnants to be its most important natural feature. In the early 1800s a vast tallgrass prairie stretched from Texas to Canada. Today, less than one percent survives. These endangered remnants include Indian grass, little bluestem, big bluestem, sideoats grama, and switchgrass. The park has reintroduced Eastern gamma grass and meadow pinks in selected areas.
In the wooded hills of the park, common animals include bobcats, coyotes, foxes, squirrels, armadillos, and raccoons. Lake fishing is good for largemouth bass, white bass, crappie, and catfish.
The Cedar Hill State Park has approximately 200 species of birds and is home to many other Neotropical migrants. The most sought after bird at the park is the painted bunting, common from May through August.
Cedar Hill rests on the edge of Joe Pool Lake. The lake was impounded in 1986, has a surface area of 6,469 acres and a maximum depth of 75 feet. Joe Pool Lake can be accessed through the Cedar Hill State Park or any other of the three parks located along its borders.
Cedar Hill hosts local, regional, and national sports tournaments. Cedar Hill’s sports complexes collectively include 21 baseball and softball fields, 18 soccer pitches, 7 basketball courts, 6 tennis courts, 4 football fields, and a 36-hole disc golf course.
In the 1950s, Cedar Hill became home to what was then known as Hill Tower. At 880 feet above sea level, Cedar Hill’s elevation made it a desirable location for installation of television and FM broadcast transmitting towers which would equally cover both Fort Worth and Dallas. Hill Tower was the first single tower owned and operated by two television stations at the same time.
During this time, then CBS affiliate, KRLD-TV, and ABC affiliate WFAA-TV, were the leading television stations of Dallas. Both stations were in competition for the same location, thus the idea of Hill Tower was born. The tower would reach over 1,500 feet into the sky and be topped with an 80-foot triangular platform consisting of two antennas, one for each station. Dubbed ‘the candelabra’, both antennas were of equal height and equal centers of radiation. Eventually, NBC affiliate WBAP-TV moved to Cedar Hill, though against the wishes of Fort Worth civic booster and Star-Telegram publisher Amon G. Carter and his heirs, who tried to argue against a united Dallas–Fort Worth media market despite the realities of broadcasting.
Since the construction of Hill Tower, many other local television and radio stations have located here, and more recently, mobile communications technology service providers. Today, Cedar Hill has the highest concentration of radio and television communication antennas in the county with 14 towers.
Visible from 20 miles away on a clear night, the towers have become a landmark for travelers. They also serve as a navigational landmark for aircraft pilots who use the towers as a guide.
Farmers such as John Wesley Penn utilized the natural resources of the land to build farms and provided shelter and sustenance for their families. The Penn family lived and grazed livestock on the native prairie grasses for over a hundred years. During that time, most of the tallgrass prairie in Dallas County vanished – plowed under and replaced with crops of wheat or cotton. Perhaps because of the rocky surface and hilly terrain of the Cedar Hill area, the prairie remnants at Penn Farm survived and are maintained today.
Penn Farm Agricultural History Center was created from the remnants of Penn Farm, which date back to the 1850s. The center is located within Cedar Hill State Park. It was designed to educate people about early life in Cedar Hill and to demonstrate how human invention rendered the greatest impact on the tallgrass prairie once prominent in this area. Many of the original structures still remain standing, showing the evolution of machinery constructed and adapted by the Penn family as needs changed and modern conveniences were added.
Dogwood Canyon Audubon Center was built as a partnership between Cedar Hill and the National Audubon Society. On April 23, 2008, John Flicker, former president of the National Audubon Society, led the groundbreaking ceremonies for the Dogwood Canyon Audubon Center. The Center officially opened in 2011.
The visitor center has been awarded Leadership in Energy and Environmental Design (LEED) Gold Certification, established by the U.S. Green Building Council and verified by the Green Building Certification Institute (GBCI), for energy use, lighting, water, and material use as well as incorporating a variety of other sustainable strategies.
In 2015, Dogwood Canyon Audubon Center partnered with the Cedar Hill Independent School District on a study linking outdoor science education to academic performance. The study involved 500 5th grade students from Cedar Hill ISD. The students participated weekly in the Audubon Center’s customized Eco Investigations lessons. Those who participated scored 20% higher on related STAAR questions then nonparticipants. This study is the first of its kind in Texas.
Cedar Hill manages and maintains 32 park properties including 6 community parks, 17 neighborhood parks, 1 special purpose park, 3 nature preserves, and 4 greenbelts.
Cedar Hill currently has over 45 miles of multi-purpose, integrated trails and bikeways. Most recent additions include Pleasant Run Trail, Lake Ridge Hike and Bike Trail, and Red Oak Creek Trail.
DORBA Trail is the longest trail located in Cedar Hill State Park and is a shared use hike and bike trail. The trail was created through the efforts of the Dallas Off-Road Bicycle Association, hence the trail name, and the Cedar Hill State Park management. It is considered one of the top mountain biking trails in the state.
An ADA accessible trail can be found at the Dogwood Canyon Audubon Center.
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.