Cheapest Owner Operators Truck Insurance Cost League City, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost League City, 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 League City, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in League City, 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.
League City is a city in the U.S. state of Texas, in Galveston County, within the Greater Houston metropolitan area. As of the 2020 census, the city had a population of 112,129.
The city of League City has a small portion north of Clear Creek within Harris County zoned for residential and commercial uses. It is home to several waterside resorts, such as South Shore Harbor Resort and Conference Center and Waterford Harbor and Yacht Club Marina, popular with residents of nearby Houston. Between 2000 and 2005, League City surpassed Galveston as Galveston County’s largest city.
League City was settled at the former site of a Karankawa Indian village. Three families, the Butlers, the Cowarts, and the Perkinses, are considered to be founding families of the city. The Winfield Family has also recently been acknowledged as a founding family by the City Government. The Cowart family settled on a creek now called Cowart’s Creek after them (now often called “Coward’s Creek”). The Perkins family built on a creek notably lined with magnolia trees and named it Magnolia Bayou. The Butler family settled inland. The Winfield Family purchased land in League City from the great nephew of Stephen F. Austin and moved there, to a place near what is now Hobbs Road.
The first resident of the town proper, George W. Butler, arrived from Louisiana in 1854 and settled at the junction of Clear Creek and Chigger Bayou. The area was known as Butler’s Ranch or Clear Creek until J. C. League acquired the land from a man named Muldoon on his entering the priesthood. League laid out his townsite along the Galveston, Houston, and Henderson Railroad, already established in the area. This began a small feud over the name, as Butler was the postmaster. The name was changed several times, alternating between Clear Creek and the new League City. In the end, League City was chosen.
In 1907, League had two railroad flatcars of live oak trees left by the railroad tracks. These were for the residents to plant on their property. Butler and his son Milby supervised the planting of these trees, now known as the Butler Oaks. Many of them line Main Street to this day.
Starting in the early 1970s, the bodies of 30 murdered women were discovered in League City, and more have gone missing from the same area. This location has become known as the Texas Killing Fields.
In the 2000s, rising real estate costs in Galveston forced many families to move to other areas, including League City. This meant an influx of children out of Galveston ISD and into other school districts like Clear Creek ISD and Dickinson ISD.
League City is located 23 miles (37 km) southeast of Houston, and the same distance northwest of Galveston.
According to the United States Census Bureau, the city has a total area of 53.0 square miles (137.3 km), of which 51.3 square miles (132.8 km) is land and 1.7 square miles (4.4 km), or 3.22%, is water.
As with the rest of the Houston area, League City features a humid subtropical climate characterized by hot, humid summers and generally mild winters (corresponding to Cfa in Köppen Climate Classification).
As of the 2020 United States census, there were 114,392 people, 37,662 households, and 27,546 families residing in the city.
As of the census of 2010, there were 83,560 people, 30,192 households, and 22,544 families residing in the city. The population density was 1,596 inhabitants per square mile (616/km). There were 32,119 housing units at an average density of 627.3 per square mile (242.2/km). The racial makeup of the city was 79.5% White, 7.1% Black or African American, 0.4% Native American, 5.4% Asian, 0.1% Pacific Islander, 4.7% some other race, and 2.9% from two or more races. Hispanic or Latino of any race were 17.3% of the population.
There were 30,192 households, out of which 40.4% had children under the age of 18 living with them, 60.3% were headed by married couples living together, 10.2% had a female householder with no husband present, and 25.3% were non-families. 20.3% of all households were made up of individuals, and 3.8% had someone living alone who was 65 years of age or older. The average household size was 2.75 and the average family size was 3.20.
In the city, the population was distributed with 28.5% under the age of 18, 7.3% from 18 to 24, 31.6% from 25 to 44, 25.3% from 45 to 64, and 7.3% who were 65 years of age or older. The median age was 34.5 years. For every 100 females, there were 96.6 males. For every 100 females age 18 and over, there were 94.4 males.
According to the 2019 American Community Survey estimate, the median income for a household in the city was $115,650, and the median income for a family was $130,293. The per capita income for the city was $46,539. About 1.6% of the population were below the poverty line, including 7.0% of those under age 18 and 5.8% of those age 65 or over.
The Helen Hall Library, a member of the Galveston County Library System, is operated by the city and located at 100 West Walker Street. The League City Public Library was renamed after Hall in 1985. During that year a $2.5 million bond to expand the 7,000-square-foot (650 m) library passed. The library received a two-story adult services wing and a renovation of the original structure, which housed the children’s and audio-visual services sections; the projects were completed by 1988. As of 2008 Hall, with 29,000 square feet (2,700 m) of space, is the largest and busiest unit of the Galveston County Library System.
Circa 2019 the library’s history club began operations. It meets once per month. As of 2021, according to the librarian specializing in history, Caris Brown, the history club had a number of people going to meetings despite the effect of the COVID-19 pandemic in Texas.
In 2022 two League City city council members created a resolution which would have a board of 15 people decide whether content is obscene, and if so, prevent the library from having tax dollars to house said material ruled obscene.
The 38,000-square-foot (3,500 m) Perry Family YMCA is located at 1701 League City Parkway. The branch, which cost US$10.7 million to build was named after Bob Perry, a homebuilder who donated $1 million. The North Galveston County YMCA began in 1993 and later moved into the Perry YMCA. John P. McGovern and his wife, Katherine, donated the 17-acre (69,000 m) site used for the Perry YMCA.
Hometown Heroes Park is a public community park covering 28.71 acres that includes a recreation center, basketball/volleyball courts, competition size swimming pool, and sports fields.
League City became an incorporated city in 1962. League City’s government consists of seven council members and the mayor. The mayor is a full voting member of the council. The City’s charter is purported to be a strong mayor form of government, but this issue has been debated for years. By ordinance, a city administrator position was created under Mayor Leonard Cruse. The ordinance was amended in May 2010 to create a council-manager government. According to the ordinance, “…shall consist of a mayor and council members, elected by the people and responsible to the people, and a city manager, appointed by and responsible to the council for proper administration of the affairs of the city.”
In 2011 an officer accused the police chief, Michael Jez, of giving officers ticket quotas, which are illegal in the state of Texas. In November city council voted to place Chief Jez on administrative leave. The council did not give a reason and Jez cited philosophical differences for the separation. Much speculation was made that the decision was a reaction to the allegation made, but neither side ever admitted to any wrongdoing.
In 2014, the police department moved to a new joint Public Safety Building that is shared with Police and Fire administration as well as housing the police department, dispatch, and the city jail. The building is across the street from the old police department that now houses other city offices that were previously in leased space. The city held an open house in January 2015 to serve as a grand opening to the public, allowing citizens to come see the inner workings of the police department.
Clear Creek Independent School District is based in League City, and serves pupils in the Harris County portion and most of the Galveston County portion. Most pupils in League City attend schools in the Clear Creek Independent School District.
CCISD was established in 1948, partly from the former League City school district. League City Elementary School, Ferguson Elementary School, and Hyde Elementary School are primary schools located in League City. League City Intermediate, Clear Creek Intermediate, and Creekside Intermediate are middle schools located in the city.
Clear Creek High School is located in League City. In 2007, Clear Springs High School opened in western League City. In 2010, Clear Falls High School opened in southeastern League City.
School districts serving other portions of League City in Galveston County include Dickinson Independent School District and Santa Fe Independent School District. Within League City Dickinson ISD operates Bay Colony Elementary School, Calder Road Elementary School, Louis G. Lobit Elementary School, and Eva C. Lobit Middle School. The respective comprehensive high schools of the two school districts are Dickinson High School and Santa Fe High School.
Bay Area Christian School started in 1973 and currently has an enrollment of over 800 students from grades K to 12.
St. Mary School, a Roman Catholic K–8 school operated by the Roman Catholic Archdiocese of Galveston-Houston, is in League City.
The Galveston County portion of Clear Creek ISD and Dickinson ISD (and therefore all parts of League City in Galveston County) are served by the College of the Mainland. The Harris County portion of Clear Creek ISD (and therefore the Harris County portion of League City) is served by San Jacinto College.
It is also located within a few miles of the University of Houston Clear Lake.
Houston Gulf Airport was located in eastern League City. The airport’s land was sold and the land became a string of houses along Texas State Highway 96. The airport was once partially owned by the Bin Laden family with Salem Bin Laden holding interest in the airport at least until his death in 1988.
Commercial airline service for the area is operated from George Bush Intercontinental Airport and William P. Hobby Airport, which are located in Houston.
League City in conjunction with Island Transit, Connect Transit, and UTMB, there is now a Park and Ride in the Victory Lakes subdivision.
In 2008 the University of Texas Medical Branch board of regents approved the creation of the 110,000-square-foot (10,000 m) Specialty Care Center facility, located on 35 acres (140,000 m) of land near Interstate 45, Farm to Market Road 646, and the Victory Lakes community.
