Cheapest Owner Operators Truck Insurance Cost Cypress, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Cypress, 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 Cypress, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Cypress, 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.
Cypress is an unincorporated community in Harris County, Texas, United States, located completely inside the extraterritorial jurisdiction of the City of Houston. The Cypress area is located along U.S. Highway 290 (Northwest Freeway) is twenty-four miles (35 km) northwest of Downtown Houston. The Cypress urban cluster ranks 50th in the top 100 highest-income urban areas in the United States.
Large scale residential and commercial development beginning in the 1980s transformed the once rural area into one of the Houston area’s largest suburban communities.
The recent find of a San Patrice projectile point at the Dimond Knoll site nearby on Cypress Creek attests to a human presence in the area by 7500 BC. By the early historic era, the area around present-day Cypress was populated by Atakapa and Akokisa Indian tribes, but they soon disappeared after the appearance of German settlers in the 1840s.
The German heritage is most notably reflected in the names of some of the major thoroughfares of the area, such as Huffmeister and Telge Roads. General Sam Houston and his Texas Army camped in the area on March 22, 1836 on the way to Harrisburg, which is now in East Houston, just days before the Battle of San Jacinto.
The area remained mostly rural until the early 1990s when developers began construction of several master-planned communities. The area is often referred to as Cy-Fair or Cypress-Fairbanks, which comes from when the Big Cypress School and Fairbanks High School combined in the 1930s to form Cy-Fair High School and the Cypress-Fairbanks Independent School District. In March 2008, the Cypress Historical Society (CHS) was formed as a non-profit corporation with its primary mission being “…to discover, educate, promote, collect, preserve and make available to the public, historical documents and artifacts of the Cypress area”. The CHS organization holds regular events aimed at exposing Cypress’ residents to the historical and cultural foundation upon which the area was built.
Cypress is located near the intersection of US Highway 290 and Spring-Cypress Road. Cypress is located within the Cypress Creek and Little Cypress Creek watershed. There are no official boundary lines for the exact area, but roads commonly mentioned to bound the area include FM 529 road as the southern border, HWY 6 and FM 1960 as the eastern border, and HWY 249 as the northern border.
Cypress has two distinct geographic profiles separated by Highway 290. The area northeast of US 290 is forested and thickly wooded, while the area southwest of 290 is predominately ranch land and grassy prairie dotted with scrub brush, Live oaks and Post oaks.
Cypress falls under the jurisdiction of Harris County Precincts 4 and 5 (separated by Cypress Creek).
Several of the subdivisions are built around man made lakes.
Major arteries include Highway 290 to the South and State Highway 249 to the east.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Cypress has a humid subtropical climate, abbreviated “Cfa” on climate maps.
Due to its close proximity to the gulf coast, Cypress is occasionally hit by landfalling tropical storms and hurricanes; the most significant storms to impact the area in recent history have been Hurricane Alicia in 1983, Hurricane Ike in 2008, and Hurricane Harvey in 2017. According to Risk Factor, for the next 30 years, Cypress has a minor risk of flooding, meaning that it is probable that flooding may impact the every day life in the area. 20% of all the properties in Cypress have a greater than 26% chance of being severely flooded over the next three decades.
As of the 2010 US Census, there were approximately 122,803 people, 39,705 households, and 32,762 families living in the zip codes labeled as Cypress. There were 41,761 housing units for a total occupancy rate of 95.1% at an average density of 1,357.6 per square mile (524.2/km).
According to the 2020 American Community Survey, the Cypress zip code with the lowest median household income is 77040, with $60,572, and the zip code with the highest is 77433, with $112,167. In addition to that, 12.1% of the population lives below the poverty level. 74.47% of employees in Cypress work for private companies, 11.47% are governmental workers, and 9.21% are self employed. Furthermore, 49.81% of households in Cypress has children.
In Cypress, the racial makeup of Cypress was 44.4% of the population being Hispanic/Latino.
White, non-Hispanic residents make up 27.7% of the Cypress population. Black/African-American people make up 20.3%, Asians make up 7.4%, Native American and Alaska Native people make up 1.1%, and Pacific Islanders make up 0.1%. 2.0% of residents are mixed with two or more races.
97% of all K-12 students in Cypress attend public school. In Cypress’s public school district, the Cypress-Fairbanks School District, 54.8% of students were economically disadvantaged as of 2021. Public schools in Cypress have 65% as their reading proficiency score (which is higher compared to the statewide average, which is 47%) and 69% being their average math proficiency score (which is higher compared to the public school average of 51% for the whole state).
There are two major hospitals in the Cypress area: HCA Houston Healthcare North Cypress (formerly North Cypress Medical Center), and Memorial Hermann Cypress Hospital.
Harris Health System (the county’s public hospital system) operates the Cypress Health Center. Prior to the clinic’s opening, the designated public health center was the Acres Homes Health Center. The designated public hospital is Lyndon B. Johnson Hospital in Northeast Houston.
The area of Cypress is served by two volunteer fire departments, Cy-Fair Volunteer Fire Department and Cypress Creek VFD. The Cy-Fair VFD is the largest volunteer fire department in the United States, with 12 stations.
It is also assisted by the city of Jersey Village in its fire suppression activities.
The United States Postal Service operates the Cypress Post Office at 16635 Spring Cypress Road.
Law enforcement for the Cypress area is provided by the Harris County Constable Precinct 4 and 5 and the Harris County Sheriff’s Office.
In 2010, Sysco announced that it purchased the former Hewlett-Packard call center along U.S. Highway 290 in Cypress and that it would establish a shared services facility for its distribution centers in North America.
Cypress is served by Cypress-Fairbanks Independent School District, the third largest school district in the State of Texas and one of the fastest growing in the United States. CFISD serves nearly 107,000 students as of 2010.
Cypress-Fairbanks ISD high school students attend Cy-Fair High School, Cypress Lakes High School, Jersey Village High School, Cypress Creek High School, Cypress Falls High School, Cypress Woods High School, Cypress Springs High School, Langham Creek High School, Cypress Ridge High School, Cypress Ranch High School, Cypress Park High School and Bridgeland High School.
Windfern High School offers an alternative path toward graduation for accepted students from the above high school attendance zones.
St. Elizabeth Ann Seton School, a K-8 Roman Catholic school operated by the Roman Catholic Archdiocese of Galveston-Houston, is in close proximity to Cypress.
Cypress Christian School, a K–12 private school, is located in the area.
Covenant Academy operates as a K-12 Classical Christian School.
The Oaks Adventist Christian School is in Cypress.
The closest Catholic high schools are Frassati Catholic High School in north Harris County, in the Spring area; and Saint John XXIII High School (formerly Pope John XXIII High School) in western Harris County, within Greater Katy. In addition St. Thomas High School, an all boys’ high school in central Houston, has a bus service from and to Christ the Redeemer Catholic School.
Silverline Montessori School is a private Montessori school in Cypress.
Lone Star College (originally the North Harris Montgomery Community College District) serves the community. The territory in Cypress-Fairbanks ISD joined the community college district in 2000. Cypress is home of the Lone Star College–CyFair campus.
Harris County Public Library (HCPL) operates public libraries in the Cypress area.
LSC-Cyfair Library, a partner effort between HCPL and Lone Star College System, is located at 9191 Barker-Cypress Road on the Lone Star College–CyFair campus. The Northwest Branch Library is located at 11355 Regency Green Drive.
