Owner Operators Truck Insurance Near Me Little Elm, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Little Elm, 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 Little Elm, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Little Elm, 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.
Little Elm is a city in Denton County, Texas, United States, and a part of the Dallas–Fort Worth metroplex. It is an extended suburb of Denton; its population was 46,453 as of the 2020 census. In 2000, the census population was at 3,646. By the 2010 census, the city total had jumped to 25,898, making Little Elm one of the fastest-growing municipalities by percentage in Texas since 2000. The July 1, 2021 census estimates Little Elm’s population as 51,042.
Little Elm was established along Lewisville Lake by C.C. “Kit” King, son of John and Delilah King, in 1844. King named the community after the creek banks where it was located. King helped organize mail service for the area and in 1852 was named the postmaster of Denton County’s first post office. The population was very low throughout the first half of the 20th century but in 1966 was able to officially incorporate. The first official census for the town came in 1970 which recorded 363 persons.
On the second of March 2023, a very powerful storm came through north Texas. It caused damages across the area but most notably, a supermarket’s facade was completely torn off covering several automobiles parked in the parking lot.
Little Elm is generally located along the northern and eastern shores of Lewisville Lake at the crossroads of Eldorado Parkway, FM 720, and FM 423, and includes stretches of U.S. Highway 380. Its neighbors include Frisco to the east, The Colony and Hackberry to the south, Prosper, Aubrey, Savannah, and Providence to the north, and Oak Point, Cross Roads, Hickory Creek, Lake Dallas, and Lakewood Village to the west.
The city is about 33 miles north of the City of Dallas, 53 miles north of the City of Fort Worth, 23 miles north of Dallas/Fort Worth International Airport, and 20 miles east of the City of Denton, the county seat of Denton County.
Little Elm is located at 33°9′50″N 96°55′49″W / 33.16389°N 96.93028°W (33.163955, –96.930281). According to the U.S. Census Bureau, it has a total area of 18.6 square miles (48.3 km), of which 14.6 square miles (37.7 km) is land and 4.1 square miles (10.5 km), or 21.83%, is covered by water. Little Elm has an average elevation of 545 feet above sea level.
Little Elm has a humid subtropical climate typical for Northeast Texas.
Note: the US Census treats Hispanic/Latino as an ethnic category. This table excludes Latinos from the racial categories and assigns them to a separate category. Hispanics/Latinos can be of any race.
Little Elm’s Census population, as of April 1, 2020, was 46,453. Little Elm’s build-out population is anticipated to be about 90,000.
Historically a Republican-voting town, it has become more competitive in statewide and national elections as its population has diversified and grown in size, shifting toward the Democratic Party in more recent elections.
Little Elm became a home rule municipality in 2001. It has a council-manager form of government. The town council consists of a mayor and five city council members, one of whom is elected at-large.
The city holds annual municipal elections in March, and run-off elections when necessary in June. Terms for both the offices of the mayor and council are three years, with term limits of three years.
The city has a number of extraterritorial jurisdictions that also vote in municipal elections.
In June 2021, Little Elm elected its first African American mayor, Curtis Cornelious, who previously served two and a half terms on town council as the at-large council member before resigning to run for mayor.
After the 2021 state and federal redistricting, the town of Little Elm is located almost wholly within Texas State House of Representatives district 57, with tiny portions in district 106. Likewise, most of Little Elm is in Texas State Senate district 12, with some small portions in district 30.
Following the 2021 state and federal redistricting, the town of Little Elm is located entirely within United States Congressional district 26.
Three school districts serve Little Elm: Little Elm ISD, Frisco ISD, and Denton ISD. Generally, the U.S. 380 corridor is served by Denton ISD, the FM 423 corridor and east Little Elm by Frisco ISD, and the rest of Little Elm by Little Elm ISD. in 2020, Little Elm High School was reclassified to a 6A athletic program.
The Little Elm Independent School District serves most of the original parts of Little Elm. Little Elm ISD is one of the fastest-growing in Denton County. The school district finished building its athletic stadium in 2006 located at the intersection of Hart Road and Eldorado Parkway. The stadium has a seating capacity of 7,500 with great wheelchair accessibility, a newly renovated video board at the north endzone, and a three level state-of-the-art press box. Although the intent is to keep the community a one-high-school town, two new middle schools opened for the 2020-2021 school year. Most of the city in LEISD goes to Walker Middle School, while small portions go to Strike Middle School.
A portion of the city is within the Frisco Independent School District. Robertson Elementary, which is in Little Elm, along with Stafford Middle School serve part of Sunset Pointe and Frisco Ranch; with other schools outside the city also serving small portions of the area. Lone Star High School also serves most of the city that is under Frisco ISD.
During the summer of 2016, Denton ISD completed construction on its fourth comprehensive high school, Braswell High School, located at the southeast corner of Navo Road and U.S. 380, to serve the fast-growing University Drive corridor, which is part of Little Elm. Along with Braswell, other Denton schools serve the northern area of the city. Navo Middle School and Union Park Elementary are located in the city; while Bell Elementary, Paloma Creek Elementary, Providence Elementary, and Rodriguez Middle School serve portions of Little Elm despite being out of the city’s boundaries.
While Little Elm is often referred to as a “bedroom community”, five companies/entities in the city employ over 100 people, per the Little Elm EDC – Little Elm ISD (853), The Town of Little Elm (311), Kroger (191), Lowe’s Home Center (178), and Retractable Technologies (146). The 2019 Retail Trade population was 203,560. The unemployment rate in Little Elm, pre-Covid-19, was 3.7%. Little Elm residents work in a variety of sectors, including retail trade (13.9%), finance/insurance (11.6%), professional/scientific/technical services (10.8%), construction (8.6%), and educational services (8.5%).
The original downtown area of Little Elm, commonly known as “The Lakefront”, has seen much investment in recent years. Multiple restaurants and entertainment options have established themselves in the area near Eldorado and Main Street, and multiple middle to upper income apartment developments have been completed or are in planning/construction phases. This has created a localized densification effect in a desirable area of the city, a city which is otherwise known for its sprawl and single family zoning patterns.
The Arbor Day Foundation designated Little Elm a Tree City USA community for its commitment to urban forestry for three straight years (2011–2013).
The Texas Chapter of the American Planning Association honored Little Elm with its Certificate of Achievement for Planning Excellence award for 2007, 2011, 2012, 2013, and 2014.
In 2013, the Cross Timbers Urban Forestry Council presented Little Elm with its Bronze Leaf Award for its commitment to urban forestry initiatives.
In 2013, Little Elm was named the safest city in Texas by the Federal Bureau of Investigation and the 18th-safest in the nation for cities with a population of 25,000 or higher. In 2016, Little Elm was ranked the 13th safest by the FBI in the state of Texas for towns with a population of 10,000 or higher.
Little Elm has five major community parks: Little Elm Park, Cottonwood Park, Beard Park, McCord Park, and Union Park. Cottonwood Park, located in the Lakefront district at the southern terminus of Lobo Lane, is home to Cottonwood Creek Marina.
Beard Park is the future home of Little Elm’s Farmers Market, which in 2013 was set up in the Hobby Lobby shopping center.
McCord Park is a wooded, 38-acre park including trails, a disc golf course, a fishing dock, and a playground. The disc golf course was designed by John Houck, a world-renowned disc golf course designer.
Through creative planning and zoning, McCord Park was donated to the city and constructed by the developers of the luxury multifamily projects adjacent to it. The total value of the land and park improvements was estimated to be over $5 million, all of which was paid for by the developer. Vital to the city’s master hike and bike trail plan, McCord Park provides an invaluable link from FM 423 to Veteran’s Memorial Bridge on Witt Road and eventually westward along Lewisville Lake to the Lakefront district. It also offers a critical connection point into Frisco’s trail system, which is part of a regional master trail system, one day ensuring that Little Elm residents could continually travel to Dallas via trail without interruption.
Little Elm has access to the rest of the DFW metroplex via several regionally significant thoroughfares. The Dallas North Tollway is a 5-minute drive east of Little Elm, which opens up the greater north Dallas region to residents, including several large employment and shopping hubs. DFW Airport is about 30 minutes away by car, and Love Field is about 35 minutes by car.
Eldorado Parkway, a six-lane E/W thoroughfare through most of Little Elm, functions as the city’s main street. Eldorado provides a critical connection to the region by linking U.S. 75 and I-35E, including the Lewisville Lake Toll Bridge.
FM 423 serves as Little Elm’s eastern boundary, although it crosses east of FM 423 in several places. This six-lane thoroughfare connects SH 121 in The Colony to the U.S. 380 corridor. The U.S. 380 corridor is in the northern part of Little Elm and provides an invaluable regional connection between two of the four county seats of the Metroplex (McKinney and Denton).
As of late 2021, TxDOT is planning to expand US 380 to a six-lane divided roadway with grade separations at specific intersections, and is currently at a 95% design phase. Other changes include continuous illumination along the corridor with the goal to improve nighttime visibility and safety. The primary goal of this project is to simultaneously improve through-traffic from Denton to McKinney (and vice versa) and to provide easier, safer accessibility to businesses and housing developments on either side of the 380 corridor. As of Feb 1, 2022, the plan is currently on a temporary hold due to budget changes from TxDOT.
The Lewisville Lake Toll Bridge, a North Texas Tollway Authority project, was opened to the public on August 1, 2009. The authority also completed the Dallas North Tollway Extension Phase III in September 2007.
Little Elm is not currently served by any public transportation, and it does not border any municipality that has DART service. There is no bus, light rail, or regional rail public transportation. The closest and northernmost Green Line station is North Carrollton/Frankford station and is just under 19 miles by car from Little Elm City Hall. The closest and northernmost Red and Orange Line station is Parker Road station and is 24 miles by car from City Hall. Alternatively, the closest DCTA station is Highland Village station and is just over 12 miles by car from City Hall. The DCTA A-train connects at Trinity Mills station along the DART Green Line with a 30 minute service interval, reduced Saturday service, and no Sunday service. The A train does not have service after 10:30 pm on weekdays.
Alternatively known as the “main street” of Little Elm, this 6 lane thoroughfare passes through the center of town and provides connection to Lake Dallas, Denton, Frisco, Plano, and McKinney. It also runs as different farm to market roads, and the LLTB.
It starts off in Lake Dallas as the Lewisville Lake Toll Bridge coming in from Swisher, and bears northeast through Lewisville Lake. Upon reaching land, it curves north and continues upon that direction. After approaching a middle school, it starts curving again as it Oak Grove, as it becomes FM 720. It continues as it curves and then heads southeast into the lake again in another chunk of land. It does a curve a bit more and goes northeast. once it intersects with Hart Rd. Upon intersection, it heads east, and as it goes around Villages of Woodlake (Little Elm community), it curves northeast. While headed northeast, FM 720 splits off and becomes Little Elm Parkway, and Eldorado continues said direction until intersecting with Walker Lane. Once it reaches that street, it continues east and past FM 423 it stays east heading into Frisco and the DNT.
The entire route is in Little Elm.
This street is primarily a north-south thoroughfare which primarily runs through Little Elm, that also provides access to Frisco via the south side of Witt, and Panther Creek Pkwy which runs after the end of Woodlake. Along with Frisco, it also provides a way of transfer for those in Hackberry, along with McKinney if the City of Frisco expands it to SH 289.
It begins at FM 423 as Woodlake Parkway, and the street before that is Panther Creek Pkwy in Frisco. It begins westward, but almost immediately starts curving through the Sunset Point neighborhood. Once finished, it intersects with Walker Ln and continues south. It continues as so for most of the route with some slight curves here and there. South of Eldorado is known as Witt Road. Once reaching Old Witt Rd, it exits Little Elm and enters Frisco.
The entire route is in Little Elm.
This street is an east-west road that connects the High School to the rest of town and Eldorado Parkway. It is entirely within Little Elm.
It begins at Eldorado Pkwy, and continues west towards Eldorado West. It slights north and continues west right after. After passing by LEHS, it stays west until approaching Hart Road, when it goes northwest as Stardust Trail.The entire route is in Little Elm.
See FM 423, FM 720, DNT, and US 380
The vast majority of Little Elm’s residents reside in single family homes, usually in master-planned subdivisions built between the late 1990s and late 2010s. Because central Little Elm is surrounded on three sides by Lake Lewisville, apartments and townhomes have begun establishing themselves in the town’s core as the need for denser, walkable housing has become more apparent. In The Lakefront district alone, there are more than 550 apartment units within walking distance to multiple restaurants, shops, and entertainment options, per Apartments.com analysis.
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.