Owner Operators Truck Insurance Near Me San Angelo, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me San Angelo, 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 San Angelo, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in San Angelo, 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.
San Angelo ( SAN AN-jə-loh) is a city in and the county seat of Tom Green County, Texas, United States. Its location is in the Concho Valley, a region of West Texas between the Permian Basin to the northwest, Chihuahuan Desert to the southwest, Osage Plains to the northeast, and Central Texas to the southeast. According to a 2019 Census estimate, San Angelo had a total population of 101,004. It is the principal city and center of the San Angelo metropolitan area, which had a population of 118,182.
San Angelo is home to Angelo State University, historic Fort Concho, and Goodfellow Air Force Base. It is the seat of the Roman Catholic Diocese of San Angelo.
In 1632, a short-lived mission of Franciscans under Spanish auspices was founded in the area to serve native people.
The mission was led by the friars Juan de Salas and Juan de Ortega, with Ortega remaining for six months.
The area was visited by the Castillo-Martin expedition of 1650 and the Diego de Guadalajara expedition of 1654.
During the development the region, San Angelo was at the western edge of the region called Texas, successively claimed in the 1800s by the nations of Spain, Mexico, the Republic of Texas, and finally, the United States in 1846.
The current city of San Angelo was founded in 1867, when the United States built Fort Concho, one of a series of new forts designed to protect the frontier. The fort was home to cavalry, infantry, and the famous Black Cavalry, also known as buffalo soldiers by American Indians.
The settler Bartholomew J. DeWitt founded the village of Santa Angela outside the fort at the junction of the North and South Concho Rivers. He named the village after his wife, Carolina Angela. The name was eventually changed to San Angela. The name would change again to San Angelo in 1883 on the insistence of the United States Postal Service, as San Angela was grammatically incorrect in Spanish. The town became a trade center for farmers and settlers in the area, as well as a fairly lawless cowtown filled with brothels, saloons, and gambling houses.
After being designated as the county seat, the town grew quickly in the 1880s, aided by being on the route of newly constructed railroads. It became a central transportation hub for the region. The Santa Fe Railroad arrived in 1888 and the Kansas City, Mexico and Orient Railway in 1909. After a tuberculosis (TB) outbreak hit the United States in the early 1900s, many patients moved to San Angelo. At the time, doctors could only recommend rest in dry, warm climates. TB sufferers went to San Angelo for treatment, and a sanitarium was built in nearby Carlsbad.
In 1928, the city founded San Angelo College, one of the region’s first institutes of higher education. The city had been passed over by the Texas State Legislature to be the home of what would become Texas Tech University. San Angelo College, one of the first municipal colleges, has grown to become Angelo State University. The military returned to San Angelo during World War II with the founding of Goodfellow Air Force Base, which was assigned to train pilots at the time. San Angelo grew exponentially during the oil boom of the 1900s, when vast amounts of oil were found in the area, and the city became a regional hub of the oil and gas industry.
The San Angelo Independent School District became one of the first in Texas to integrate, doing so voluntarily in 1955.
San Angelo was famous for Miss Wool of America Pageant, an annual event organized by the National Wool Growers Association (U.S.)
According to the United States Census Bureau, the city has a total area of 58.2 sq mi (150.9 km), of which 2.3 sq mi (6.1 km) (4.03%) are covered by water.
San Angelo falls on the northwestern edge of the Edwards Plateau and the northeastern edge of the Chihuahuan Desert at the junction of the North and South Concho Rivers. The city has three lakes: Twin Buttes Reservoir, O.C. Fisher Reservoir, and Lake Nasworthy. The Middle Concho River joined the South Concho several miles upstream, but the confluence has been obscured by the Twin Buttes dam.
San Angelo is about 225 miles (362 km) west of Austin.
San Angelo falls near the boundary between the subtropical semiarid steppe (Köppen BSh) and midlatitude steppe climates (Köppen BSk). It is located at the region where Central Texas meets West Texas weather. Temperatures reach 100 °F (37.8 °C) about 30.1 days per year on average. However, in 2011, San Angelo recorded 100 days of 100 °F (37.8 °C) or higher. The typical year has 60.3 days with lows below freezing. Though the region does experience snow and sleet, they occur only a few times a year. The city has an average annual precipitation of 20.94 inches (532 mm), with the wettest calendar year being 2016 with 35.72 inches (907.3 mm) and the driest 1956 with 7.41 inches (188.2 mm).
As of the 2020 United States census, 99,893 people, 36,843 households, and 23,026 families were residing in the city.
As of the census of 2010, 93,200 people, 36,117 households, and 22,910 families resided in the city. The population density was 1,601 people/sq mi (618/km). The racial makeup of the city was about 83.0% White, 5.4% African American, 1.4% Native American, 1.7% Asian, 11.3% from other races, and 2.6% from two or more races. Hispanics or Latinos of any race were 38.5% of the population.
Of the 36,117 households, 27.6% had children under 18 living with them, 44.2% were married couples living together, 14.2% had a female householder with no husband present, and 36.6% were not families. About 29.8% of all households were made up of individuals, and 11.2% had someone living alone who was 65 or older. The average household size was 2.45 and the average family size was 3.05.
In the city, the age distribution was 23.4% under 18 and 13.8% who were 65 or older. The median age was 32.8 years. The population was 48.7% male and 51.3% female.
The median income for a household in the city was $38,777, and for a family was $49,640. Males had a median income of $33,257 versus $26,750 for females. The per capita income for the city was $20,970. About 13.9% of families and 17.4% of the population were below the poverty line, including 25.4% of those under age 18 and 10.5% of those age 65 or over.
San Angelo has consistently been ranked by many publications and rankings as one of the best small cities for business and employment. In 2013, it ranked fourth in the nation in Forbes magazine’s “Best Small Cities For Jobs” rankings. In 2010, Kiplinger’s Personal Finance named San Angelo as one of the “Best Cities of the Next Decade”. In 2009, CNN Money ranked San Angelo as one of the best cities to launch a small business.
San Angelo has a diverse economy for a city of its size. Although most oil fields lie to the west, many oil-field service companies based in the city employ a large number of local residents. The agricultural industry in San Angelo remains strong. Producer’s Livestock Auction is the nation’s largest for sheep and lambs, and is among the top five in the nation for cattle auctions. Though most agricultural work is done outside the city, thousands of employees work in the cattle and lamb meat-processing industries, and many more work in agriculture supporting roles inside the city. Two agricultural research centers are located in San Angelo: the Angelo State University Management Instruction and Research Center and the Texas A&M Texas AgriLife Research and Extension Center at San Angelo.
The telecommunication industry is a strong employer in San Angelo. Sitel has a call center in San Angelo. In addition, Frontier Communications, Performant Recovery Inc. (formerly DCS), a debt recovery corporation, and Blue Cross all employ over 1,000 individuals each locally. San Angelo serves as the regional medical center for west-central Texas. Shannon Medical Center employs over 3,000 in San Angelo and provides services to a large region of west-central Texas. The manufacturing industry has seen hits since the 1990s; however, many large employers still remain, including Ethicon a division of Johnson & Johnson, Conner Steel, and Hirschfield Steel.
The several large institutional employers in the city include Shannon Medical Center, Angelo State University, and Goodfellow Air Force Base. The last remains the largest employer in the region, employing or providing income for over 24,000 in San Angelo.
The Sunset Mall, the area’s major shopping mall, opened in 1979.
The San Angelo Museum of Fine Arts opened in 1999 in downtown San Angelo on the banks of the Concho River, built with local limestone and end-grain Texas mesquite. It attracts over 85,000 visitors a year, and is home to the National Ceramic Competition.
The San Angelo Performing Arts Center (PAC) provides access to the highest level of performing arts by presenting local, national, and international touring shows at two historic venues: the 1350-seat 1928 Murphey Auditorium and the Stephens Performing Arts Center (formerly a Coca-Cola factory) which contains the 300-seat Brooks and Bates Theater, a black-box theater, seven ballet studios, and administrative spaces. Since its inaugural 2017–2018 season, SAPAC has hosted over 100 performances annually.
Downtown San Angelo is home to various art galleries. The San Angelo Art Walk, held every third Thursday, includes a viewing of the various downtown art galleries. These include the Kendall Art Gallery, Ruiz Studio, Black Swan Gallery, the Glass Prism, Bonnie Beesley Rug Gallery, and the Wool ‘n Cotton Shop, as well as other public art venues. A free trolley service is available to the public.
The San Angelo Symphony, founded in 1949, plays several events a year, with its feature event being on July 3. Over 20,000 people regularly attend that performance, which takes place at the River Stage, an outdoor venue on the Concho River.
Angelo Civic Theatre is the oldest community theatre in Texas. It was founded on November 21, 1885, to raise resources for a town clock at the county courthouse. Though wavering economic times and two world wars stopped artistic efforts in the community on a number of occasions, theatrical productions continued. In 1950, Angelo Civic Theatre gained nonprofit status and a sustainable form of theatre was established.
In 1969‚ a fire demolished the school building in which the theatre was housed. The theatre performed at various locations for 13 years, until purchasing the 230-seat historical Parkway Theater in 1980. Angelo Civic Theatre continues to serve the community of San Angelo and produce six in-house plays a year.
Ballet San Angelo was founded in 1983 for the purpose of presenting an annual production of The Nutcracker. It offers a full season of productions including a choreography performance and a Children’s Ballet. Ballet San Angelo also offers ballet training for students, a fitness program, a scholarship, and a community outreach program.
Angelo State University, through “The Arts at ASU”, puts on six plays a year open to the general public. These range from dinner theater and theater-in-the-round to conventional theatre productions, using the only active modular theatre in the United States. The university also presents numerous concerts and recitals throughout the year, and has numerous displays in the Angelo State University Art Gallery. The public is encouraged to attend.
The San Angelo City Park system was created in 1903. The city currently has 32 parks with over 375 acres (1.52 km) of developed land. The department maintains a 33-acre municipal golf course (Santa Fe Park Golf Course) along the river, 25 playgrounds, and 25 sports practice fields.
The “crown jewels” of the parks system are the parks that make up the 10 miles (16 km) of river frontage on the Concho River winding through downtown and beyond. The parks feature many plazas, public art displays, and numerous water features. The city is home to the International Water Lily Collection. The park contains over 300 varieties of water lilies, one of the largest collections in the world.
The city also provides several municipal parks on Lake Nasworthy, one of three lakes near the city; the others are Twin Buttes Reservoir and O.C. Fisher Reservoir.
The 7,677-acre (3,107 ha) San Angelo State Park, owned and maintained by the Texas Parks and Wildlife Department, is located on the shores of the O.C. Fisher Reservoir. Many activities are available within the park, including camping, picnicking, and swimming, as well as hiking, mountain biking, orienteering, and horseback riding on over 50 miles (80 km) of developed trails. The park is home to the official State of Texas Longhorn herd.
The San Angelo Nature Center, located at Lake Nasworthy, is an educational center open to the public. It features many native and exotic animals, including alligators, bobcats, prairie dogs, tortoises, and 85 different species of reptiles, including 22 different species of rattlesnakes. The center includes the Spring Creek Wetland, which has 260 acres (110 ha) being developed by the Federal Bureau of Reclamation, including a 7-mile (11 km) trail; its terrain varies from a semiarid environment to a freshwater marsh. It also maintains the one-mile (1.6-km) nature trail off Spillway Road.
Historic Fort Concho, a National Historic Landmark maintained by the city of San Angelo, was founded in 1867 by the United States Army to protect settlers and maintain vital trade routes. The restored site is home to several museums, and is open to visitors Tuesday through Sunday. Fort Concho is one of nine forts along the Texas Forts Trail.
The San Angelo Stock Show and Rodeo is held annually. It began in 1932, making it one of the longest-running rodeos in the world. It is nationally renowned within the rodeo circuit, bringing in the top contestants and ranking as one of top-10 rodeos in the nation for monetary prizes awarded to contestants. It includes a parade, carnival, and concerts, and many other events in addition to the main stock show and rodeo.
San Angelo is home to Angelo State University. Founded in 1928, it enrolls about 10,000 students, who come from almost every county in Texas, 40 states, and 24 countries. One of the nation’s premier regional universities, it was featured in the Princeton Review Best 373. The only other two listed from the state were Texas A&M University and the University of Texas at Austin.
Angelo State offers almost 100 different undergraduate programs and 23 graduate programs, including three doctoral programs. The university is divided into six colleges: Business, Education, Liberal and Fine Arts, Nursing and Allied Health, Sciences, and Graduate Studies. It has been a member of the Texas Tech University System since 2007.
San Angelo has a branch of Howard College, which is based in Big Spring, Texas. The two-year school prepares students academically for transfer to a four-year university, and concentrates in technical and occupational fields of study that lead to certificates and/or associate in applied science degrees.
A branch of Park University is located on the Goodfellow Air Force Base. The Goodfellow Campus Center has been providing higher education to the Concho Valley area since 1989. Park University’s main campus was established in 1875 and is located in Parkville, Missouri.
San Angelo is also home to a branch of American Commercial College, a private for-profit career college. It offers seven career certificate programs.
Almost all of San Angelo is in the San Angelo Independent School District. Small parts are served by the Wall Independent School District (southeast San Angelo) and the Grape Creek Independent School District (northwest San Angelo). The two main high schools are Central with Central Freshmen Campus and Lake View. Three middle schools and 21 elementary schools are within San Angelo city limits.
Eight private schools operate in the city, certified through the 12th grade, which include Ambleside School of San Angelo (a member of Ambleside Schools International), San Angelo Christian Academy, the Angelo Catholic School (only up to 8th grade), Cornerstone Christian School, Gateway Christian Academy, Trinity Lutheran School, Potter’s Hand Christian School, and Texas Leadership Charter Academy (a charter school).
San Angelo is served by the San Angelo Regional Airport, which offers daily flights through Envoy Air to Dallas/Fort Worth. Intrastate and interstate bus service is provided by Greyhound, with regularly scheduled service to major cities in Texas and nationwide. Intracity public transportation is provided by the Concho Valley Transit District with five fixed bus routes.
The BNSF Railway serves the town and the Texas Pacifico has a lease on a TxDOT rail line, formerly the Kansas Cho Valley Transit District, with its five fixed bus routes, with transfers provided at the Santa Fe station. The bus service runs from 6:30 am to 6:30 pm, Monday through Saturday. Taxi service is available throughout the city by Red Ball Taxi and Shuttle, Checker Cab, All American Cab and Yellow Cab.
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.
