Owner Operators Truck Insurance Near Me Copperas Cove, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Copperas Cove, 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 Copperas Cove, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Copperas Cove, 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.
Copperas Cove is a city located in central Texas at the southern corner of Coryell County with smaller portions in Lampasas and Bell counties. Founded in 1879 as a small ranching and farming community, today the city is the largest in Coryell County, with 32,032 residents as of the 2010 census and an estimated 33,235 residents in 2019. The city’s economy is closely linked to nearby Fort Cavazos (formerly known as Fort Hood), making it part of the Killeen-Temple-Fort Hood Metropolitan Statistical Area. Locals usually refer to the town as just “Cove”.
The first evidence of human habitation in the Five Hills area dates back to at least 4,000 BCE. Artifacts, such as skeletal remains, arrowheads, and other stone tools, have been found along local creek beds and valley floors. These first residents were nomadic hunters, traveling in small groups following migrating buffalo herds. When the Spanish came to Texas, a small Plains tribe known as the Tonkawa inhabited the area. The powerful Comanche controlled a vast stretch of land to the north and west, making Coryell County a hostile battleground as settlers moved into the area?
In 1825, Mexico provided Stephen F. Austin with a land grant encompassing a large area including present-day Copperas Cove. Starting in the 1830s, the first white settlers came into the Five Hills region; however, the area lacked stability until after the Civil War. Substantial settlement did not arrive until the development of the cattle industry during the 1870s, when a feeder route of the Chisholm Trail was cut through the region. Settlement centered around a local general store about two miles southwest of present-day downtown. In 1878, residents applied for a post office under the name “Cove”, so chosen for the site’s sheltered location. However “Cove” was already taken by a nearby community (now called Evant). Inspired by the taste of nearby spring water, residents amended the name to “Copperas Cove” (officially in 1901). The post office was established in March 1879, with Marsden Ogletree as the town’s first postmaster. The original building remains today and is the site of the Ogletree Gap Heritage Festival.
Copperas Cove’s fortunes were greatly improved when, in 1882, the Gulf, Colorado and Santa Fe Railway expanded into the region. Local resident Jesse M. Clements lobbied to obtain train service and provided the railroad company with the necessary right-of-way about two miles northeast of town. Residents soon moved to a new set of streets laid out by the company’s engineer, E.F. Batte. The train depot at Copperas Cove served as the shipping point for farmers and ranchers in the area between Cowhouse Creek and the Lampasas River. Businesses opened to provide services for these area residents, including a steam gristmill-cotton gin, three hotels, a barber shop, and an opera house. Many of the town’s early buildings remain to this day, focusing around the block of Avenue D between Main Street and 1st Street. By 1900, the population had reached 475, and residents voted to form their own school district. A private bank opened in 1906, and residents elected Jouett Allin their first mayor in 1913. The town continued to prosper over the coming years, depending largely on local agriculture, of which cotton played a dominant role. Copperas Cove reached a then-peak population of 600 in 1929, but entered a state of decline with the onset of the Great Depression. During the 1930s, the local bank failed, several businesses closed, and many people left to look for work in other areas. By 1940, only 356 people remained.
In 1942, Copperas Cove received new life when the US government located Camp Hood next to the struggling community. By the time the cantonment was upgraded to Fort Hood in 1950, the town had over a thousand residents. The population continued to increase rapidly, reaching almost 5,000 in 1960 and more than doubling each of the next two decades, eventually coming to the present count of 32,032 at the 2010 census. During this period, the city limits greatly expanded, encompassing acres of newly built tract housing with upgraded roads and services. The establishment of the fort drastically altered the character of the city. Soldiers from across the country bring their families and settle in Copperas Cove, often remaining after concluding their military service. In addition to diversifying the ethnic and religious composition of the city, Fort Hood altered the local economy. Since much of the area farmland was acquired by the federal government, businesses within Copperas Cove now largely provide services for Fort Hood soldiers and their families. In 2023, Fort Hood was renamed Fort Cavazos.
Copperas Cove is located in the Limestone Cut Plains of central Texas, within an agglomeration of hills situated between the Lampasas River and Cowhouse Creek valleys, known as the “Five Hills” area. Copperas Cove’s climate is humid subtropical with hot summers, cool winters, and rainy springs. The average high in August is 96 °F (36 °C), and the average low in January is 35 °F (2 °C). May is the rainiest month. The city lies within Tornado Alley, and twisters have been known to touch down in the area. Rainfall averages 33 inches (840 mm) per year, making the land suitable for agriculture without irrigation, though the region is prone to drought.
The area’s thin layer of topsoil tends to be a light, crumbly caliche—capable of sustaining many agricultural plants, but susceptible to depletion and erosion. Before ranchers and farmers began altering the landscape, the area was once part of a vast grassland. Bison, deer, and pronghorn grazed on tall native grasses. However, because of overgrazing, land clearing, and the suppression of wildfires, these native grasses have been mostly replaced by invasive weeds and tough, woody trees, including Texas live oak, Texas red oak, red juniper (red cedar), and mesquite.
Copperas Cove has a suburban cityscape typical among American small towns developed in the post-World War II era. The majority of commercial activity occurs along the main thoroughfare, US Highway 190. Since most of Copperas Cove has been built after 1950, the extent of the town’s walkable, historic downtown is considerably smaller than nearby, less populated communities, such as Lampasas or Gatesville. Most residential neighborhoods are low-density, single-family homes. Because of changing economic conditions in recent decades, intensive farming and ranching has largely left the area, making land fairly cheap to develop. After a brief slowdown of development during the 1980s, new subdivisions resumed expansion into the surrounding countryside.
The major thoroughfare through town is Interstate 14/U.S. Highway 190, connecting Cove to Interstate 35 in Belton, 28 miles (45 km) to the east, and to U.S. Highway 281 in Lampasas, 19 miles (31 km) to the west. FM 116 runs north through town, connecting the city to Gatesville 26 miles (42 km) to the north.
Public transportation is provided within the city by HOP, whose buses can be recognized by their teal and purple color. The region is served by the Killeen–Fort Hood Regional Airport (GRK) located a few miles outside of town.
As of the 2020 United States census, there were 36,670 people, 12,632 households, and 8,911 families residing in the city.
As of the 2000 census, 29,592 people, 10,273 households, and 8,023 families resided in the city. The population density was 2,124.9 inhabitants per square mile (820.4/km). The 11,120 housing units averaged 798.5 per square mile (308.2/km). The racial makeup of the city was 65.36% White, 20.43% African American, 0.87% Native American, 2.70% Asian, 0.58% Pacific Islander, 4.98% from other races, and 5.09% from two or more races. Hispanics or Latinos of any race were 11.69% of the population.
Of the 10,273 households, 47.3% had children under the age of 18 living with them, 62.2% were married couples living together, 12.7% had a female householder with no husband present, and 21.9% were not families. About 16.7% of all households were made up of individuals, and 3.2% had someone living alone who was 65 years of age or older. The average household size was 2.85 and the average family size was 3.19.
In the city, the population was distributed as 32.0% under the age of 18, 14.2% from 18 to 24, 33.3% from 25 to 44, 15.4% from 45 to 64, and 5.1% who were 65 years of age or older. The median age was 27 years. For every 100 females, there were 98.0 males. For every 100 females age 18 and over, there were 96.3 males.
The median income for a household in the city was $37,869, and for a family was $40,517. Males had a median income of $26,406 versus $22,270 for females. The per capita income for the city was $15,995. About 8.1% of families and 9.6% of the population were below the poverty line, including 13.8% of those under age 18 and 5.9% of those age 65 or over.
Copperas Cove has a council–manager municipal government. Residents elect a mayor and seven council members to three-year terms, with a two-term limit. The city council appoints a city manager, who handles the administrative functions of the municipal government. The current mayor is Dan Yancey. Elected On November 2, 2021, Inaugurated On November 16, 2021.
According to the city’s 2009 Comprehensive Annual Financial Report Fund Financial Statements, the city’s various funds had $16.8 million in revenues, $26.7 million in expenditures, $15.8 million in total assets, $2.7 million in total liabilities, and $20.0 million in investments.
The structure of the management and coordination of city services is:
At the county level, Copperas Cove votes for Coryell County Commissioner seats 1, 2, 3, and 4, which are currently held by Jack Wall, Daren Moore, Don Jones, Wyllis Ament, respectively. The County Judge is John E. Firth. Parts of Copperas Cove fall into Lampasas and Bell counties, and are represented by those county officials.
The city votes overwhelmingly Republican in both state and federal elections. Most of Copperas Cove falls within the 59th District of the Texas House of Representatives, which is currently represented by Republican Sid Miller. Brian Birdwell of the 22nd District holds the State Senate seat that represents Coryell County.
At the federal level, most of Copperas Cove is part of Texas’ 25th District, which is currently represented by Republican Roger Williams. The two U.S. senators from Texas are Republicans John Cornyn and Ted Cruz.
Copperas Cove is served by the Copperas Cove Independent School District, including seven elementary schools, two junior highs, one high school, and an alternative learning center. Among these are:
Copperas Cove High School’s athletic teams are known as the Bulldawgs (Lady Bulldawgs for women’s teams). The school’s mascot is “Sparky”. In recent years, Copperas Cove has produced many professional athletes, including T.J. Hollowell (NFL New York Jets and Denver Broncos), Vontez Duff (NFL New York Giants), Charles Tillman (NFL Carolina Panthers), Sherika Wright (WNBA Phoenix Mercury) and 2011 Heisman Trophy winner Robert Griffin III, backup quarterback for the Baltimore Ravens.
According to the city’s 2020 Comprehensive Annual Financial Report, the top employers in the city are:
Rabbit Fest is a four-day arts and crafts festival held on the third weekend of May each year. Festivities include a carnival, midway, parade, chili cook-off, and many other activities.
The Ogletree Gap Heritage Festival is held at the city’s original town site, the Ogletree Gap Stagecoach and Post Office. It occurs annually on the third weekend of October. Food, arts and crafts, Civil War reenactments, a petting zoo, pony rides, and kids games are available.
The Krist Kindl Markt is held on the first weekend of December in downtown Copperas Cove. It is a German-inspired open air Christmas market sponsored by the Copperas Cove Chamber of Commerce and Visitor’s Bureau. It typically hosts live music and performances by local groups. There is also a night-time Christmas parade.
Begun in 2000, the Copperas Cove Classic Road Race is held mid-January each year. The bike race covers 83 miles (134 km) of the city’s hilly terrain.
The C.H.A.M.P.S. Heart of Texas Bowl is hosted by Copperas Cove at Bulldawg Stadium. The first HOT Bowl was held in 2001.
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.