Owner Operators Truck Insurance Near Me Longview, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Longview, 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 Longview, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Longview, 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.
Longview is a city in the U.S. state of Texas, and county seat of Gregg County which is named for Confederate General John Gregg. Longview is located in East Texas, where Interstate 20 and U.S. highways 80 and 259 converge just north of the Sabine River. According to the 2020 U.S. census, the city had a population of 81,638. Longview is the principal city of the Longview metropolitan statistical area, comprising Gregg, Upshur, and Rusk counties. The population of the metropolitan area as of 2021 census estimates was 287,858.
Longview was established in 1870 in what was at the time southern Upshur County; the town incorporated in 1871. After Gregg County was created in 1873, Longview was voted the county seat. Today, Longview is considered a major hub city for the region, as is the nearby city of Tyler. Companies with significant presence in Longview include Eastman Chemical, Trinity Rail Group, AAON Coil Products, and Komatsu Mining, Dollar General and Old Navy/GAP. Colleges and universities in the area include LeTourneau University, Kilgore College, and the University of Texas at Tyler’s Longview University Center.
The modern-day city of Longview was founded in 1869. In 1870, Methvin sold 100 acres (40 ha) to the Southern Pacific Railroad for one dollar to persuade them to build their line in the direction of land he owned. Later that year, he sold another 100 acres (40 ha) for $500 in gold. He hoped the coming of the railroad would increase the value of the rest of his land.
Two railroad surveyors coined the name of the town when they stated, “What a long view!” from the porch of Methvin’s home. In June 1871, Longview was incorporated as the first town in Gregg County.
In 1884, the Mobberly Hotel opened for business servicing railroad travelers and as the center of social gatherings for Longview. The hotel featured cherrywood furniture with carved bed posts, marble-top washstand, linen tablecloths, electric crystal chandeliers, and a fireplace in every room. Mobberly was located in the junction part of town near the train depot. The hotel was destroyed by fire on June 13, 1965.
In the Longview race riot in July 1919, a reporter for The Chicago Defender was in Longview looking into the mysterious death of a black man named Lemuel Walters. An armed white mob attacked a home where the reporter, S.L. Jones, was staying, and attempted to batter their way in. A gunfight began between the attackers and the men in the house. Eventually, Jones made a getaway. The white men then began to burn buildings in the black section of the town.
In 1942, construction began on the Big Inch pipeline in Longview. From 1943 to 1945, the pipeline transported over 261,000,000 barrels of crude oil to the East Coast. At the time of construction, Big Inch and its smaller twin, Little Inch, comprised the longest petroleum pipeline ever built in the world. Both were integral in supplying the United States’ war effort in World War II.
After World War II, Longview’s population grew from 24,502 to 40,050 in 1960, its growth fueled by migration from rural Gregg County and the annexation of Greggton and Spring Hill.
Longview is located within Northeast Texas, a subregion of East Texas. It is bordered to the west by the city of White Oak.
Note: NH = Non-Hispanic
At the 2010 census, Longview had a population of 80,455. The median age was 34. The racial and ethnic composition of the population was 56.2% non-Hispanic White, 22.6% Black or African American, 0.5% Native American, 1.4% Asian, 9.5% from some other race, and 2.3% from two or more races. About were 18.0% Hispanics or Latinos of any race. In the census of 2000, 73,344 people, 28,363 households, and 19,116 families resided in the city. The population density was 1,341.8 inhabitants per square mile (518.1/km). The racial makeup of the city was 70.10% White, 22.11% African American, 0.50% Native American, 0.83% Asian, 0.02% Pacific Islander, 4.92% from other races, and 1.51% from two or more races; Hispanics or Latinos of any race were 10.31% of the population.
By the 2020 United States census, Longview’s population grew to 81,683. Its racial and ethnic makeup per the 2020 census was 49.73% non-Hispanic white, 23.49% Black or African American, 0.31% American Indian or Alaska Native, 1.6% Asian alone, 0.27% some other race, 3.82% multiracial, and 20.75% Hispanic or Latino of any race. Among its population at the 2020 American Community Survey, 52.7% of its population was non-Hispanic white, 22.4% Black or African American, 0.1% American Indian or Alaska Native, 1.4% Asian alone, 0.2% Native Hawaiian and other Pacific Islander, 0.1% some other race, 2.7% two or more races, and 20.3% Hispanic of Latino American of any race. The 2020 census and 2020 survey reflected nationwide demographic trends of greater diversification among traditional minority populations.
Of the 28,363 households at the 2000 census, 33.2% had children under 18 living with them, 48.9% were married couples living together, 14.5% had a female householder with no husband present, and 32.6% were not families. About 27.9% of all households were individuals who lived alone, and 10.7% of all households were 65 or older and living alone. The average household size was 2.50, and the average family size was 3.06. Among the estimated 31,450 households at the 2020 American Community Survey, the average household size was 2.49; the 19,965 families had an average size of 3.13. Of the households and families estimated, 53.6% were in owner-occupied housing units and 46.4% were renter-occupied.
In 2000, the median income for a household in the city was $33,858, and for a family was $42,378. Males had a median income of $33,078 versus $21,400 for females. The per capita income for the city was $15,676. About 13.0% of families and 16.0% of the population were below the poverty line, including 22.7% of those under age 18 and 10.6% of those age 65 or over. By 2020, the median household income for Longview residents grew to $50,019, and monthly housing costs were $854.
As of 2020’s religion census by the Association of Religion Data Archives, Baptists were the largest set of Christians, with Christianity being the predominant religion for Longview’s metropolitan area. Altogether, Baptists from the American Baptist Association, Full Gospel Baptist Church Fellowship, Free Will Baptists, National Baptists, National Missionary Baptists, and Southern Baptists numbered 88,811. Non/inter-denominational Protestants numbered 26,874. Other large Christian communities for the MSA were Methodists, Pentecostals, Jehovah’s Witnesses, and Mormons. Its Catholic Christian community numbered 22,952.
Longview is one of several cities in East Texas that serve as a center for the “patent troll” industry, due to a perception that the United States District Court for the Eastern District of Texas is a favorable venue for patent infringement plaintiffs. As such, it is also one of the major economic hubs for Northeast Texas alongside Tyler.
According to the municipal Fiscal Year 2018–2019 Comprehensive Annual Financial Report, the top employers in the city were:
Longview Public Library operates a main branch, and the Broughton Branch.
Longview’s cultural district—a 320-acre (130 ha) area in downtown Longview which includes museums, restaurants, parks, live music, theater, and historic buildings—was designated by the Texas Commission on the Arts in 2019.
The 29-acre (12 ha) Longview Arboretum and Nature Center opened in 2019. Among other centers, the city has a vast trail system that is being connected to create 10 consecutive miles of connected walking/biking trails.
According to the 2007 comprehensive annual financial report, the city’s various funds had $75.9 million in revenues, $87.7 million in expenditures, $47.6 million in total assets, $9.0 million in total liabilities, and $12.2 million in cash in investments.
The city manager as of 2023 is Rolin McPhee. Bonds retired January 31, 2022 and Rolin McPhee became the city manager on February 1. With the addition of McPhee as city manager, the city of Longview underwent some restructuring namely adding an assistant city manager, MaryAnn Hagenbucher.
Longview is represented in the Texas Senate by Republican Bryan Hughes, District 1, and in the Texas House of Representatives by Republican Jay Dean, District 7. The Texas Department of Criminal Justice operates the Longview District Parole Office in Longview.
Longview is part of Texas’s 1st congressional district, which is currently represented by Republican Louie Gohmert. Gohmert announced he is not seeking reelection in 2022. Gohmert has represented Longview since 2004.
The city of Longview is home to three institutions of higher learning and two trade (cosmetology) schools:
Longview is served by four school districts.
The Gregg County portion of Longview is part of the Tyler-Longview-Lufkin-Nacogdoches designated market area, and the Harrison County portion of Longview is within the Shreveport-Texarkana market.
KLGV-LD broadcasts from Longview.
East Texas Regional Airport is located south of Longview.
The city’s public transit system, Longview Transit, runs daily routes, excluding Sundays and holidays. Its fixed routes provide transportation to key districts throughout the city.
City of Longview Transit (COLT) provides demand-response transportation services for those who are unable to use the regular Longview Transit fixed-route service.
Amtrak passenger rail service is available on the Texas Eagle through a downtown terminal. Longview’s Amtrak station is the fifth-busiest in Texas and the fourth-busiest station along the Texas Eagle route. Daily trains between Chicago and San Antonio stop each morning (Chicago–San Antonio) and each evening (San Antonio–Chicago). Monday, Wednesday, and Friday, the Longview station serves the Chicago to Los Angeles trains. The return train, Los Angeles to Chicago, stops in Longview on Sunday, Tuesday, and Friday. It serves about 20–50 passengers per day. From the station, passengers can connect to Nacogdoches, Lufkin, Houston, and Galveston, as well as Shreveport, Louisiana, by motorcoach. A proposal is in the works for a high-speed rail system from Dallas/Fort Worth to Shreveport along the I-20 corridor, bringing passenger rail service to that corridor for the first time since the Texas and Pacific’s unnamed successor to the Louisiana Eagle in the late 1960s.
Longview is served by Amtrak, the BNSF Railway, and the Union Pacific Railroad.
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.
