Cheapest Owner Operators Truck Insurance Cost Schertz, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Schertz, 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 Schertz, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Schertz, 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.
Schertz ( shurts) is a city in Guadalupe, Bexar, and Comal counties in the U.S. state of Texas, within the San Antonio–New Braunfels metropolitan area. The population was 42,002 at the 2020 census, up from 31,465 at the 2010 census. Schertz was settled by Alsatian emigrants in the 1800s.
Schertz is the third-largest city in the San Antonio-New Braunfels metropolitan area and the largest city of the Randolph Metrocom, which consists of cities surrounding Randolph Air Force Base. The Metrocom is located on San Antonio’s far northeast side. In addition to Schertz, other Randolph Metrocom communities include Live Oak, Kirby, Converse, Marion, Cibolo, Universal City, Windcrest, Garden Ridge, and Selma. These towns are located in Comal, Bexar, and Guadalupe counties and combined have a total of 355,000 residents and growing rapidly.
Since the late 1990s, Schertz experienced substantial growth. In five years, from 2000–2005, the city’s population jumped from 18,694 to 26,463. In 2006 alone, the population rose from 26,463 to 34,000.
The first settlers came to Schertz around 1843. Some of the families on the immediate land surrounding Schertz were the Boettigers, Schertzs, Schneiders, Seilers, Maskes, and Mergeles. Members of the Schertz family still reside in the city. The first name of Schertz was “Cibolo Pit”, then “Cut Off”, thus named because when Cibolo Creek flooded, the settlement was cut off.
The first settlers planted wheat, oats, and corn, which did not need special equipment to harvest and process. In later years, cotton was planted, and proved to be a productive cash crop. In 1870, the first gin was built by the Schertz family. It was powered by mules and then later by steam. This gin was located where the post office is at the present time. The second cotton gin built by Weyel and Kallies was between First and Second streets. In later years, there also was a corn sheller and lumber yard. The first school, built in 1890, was across Cibolo Creek where the Randolph Stables are now located. In 1917 a new two-story brick school was built, later torn down to make room for the O’Henry School. The land for the school was donated by Adolph Schertz.
In 1876, one of the largest boosts to Schertz came when the Galveston, Harrisburg, and San Antonio Railroad was built through the town. This gave the people a chance to travel to San Antonio by rail instead of wagon or buggy, besides goods being shipped in and out. The first post office was established in 1882. At that time Schertz was still known as Cut Off. In 1899 it officially became Schertz. Sebastian Schertz owned and operated a general store when the railroad was constructed.
A big and very active shooting club was located on the site that is now the City Park. There was an annual shooting tournament called Koenig Schiessen or “King Shoot”. This was a two-day affair with people coming from San Antonio by train. The last night, a big dance was held to close the event for that year. A piece of live coal, blown from a switch engine that was carrying gravel cars to or from the rock crusher, is believed to have blown on the shingle roof of the dance hall, setting it on fire and completely destroying it. It was later rebuilt, but eventually the club disbanded. The rockcrusher was at one time located in Cibolo Creek across from the public utilities of the city of Schertz. This was destroyed in 1913 when Cibolo Creek had its biggest recorded flood.
The first church in Schertz is the present day United Methodist Church on First Street. One of the oldest business buildings, the red brick building on Main Street, was built by Willie Schertz. It is now a plumbing and hardware store and Masonic meeting place. It was the first mercantile store. On the site of the present-day Schertz Bank, a two-story hotel, a five-room hospital and drug store complex was built in 1909. The hotel was built by Henry Ebert. Dr. Watson was the resident doctor. This doctor used two methods of transportation to see his patients, a horse-drawn hack for good roads and horseback for emergencies in bad weather and long distances. In 1917 another red brick hospital on Main Street was built by Dr. C.M. Cotham and Miss Cora Karbach, a nurse. It served the surrounding communities for many years and is now an old apartment house. The first bank was chartered in 1913, and one of the first bankers was Mr. Glass. He organized the National Home Guard during World War I, which drilled at night in the second story of the building that at the present time is the Masonic Lodge meeting place.
Randolph Field (now Randolph Air Force Base) was a boon to Schertz in the late 1920s. Farm land was bought as the Air Corps needed 2,000 acres (8 km) for the air academy (the “West Point of the Air”), which opened in 1930. There were three sites considered. The present site was chosen because there was less fog in the area and the fog lifted earlier in the day, which meant more flying time. All of this boosted the economy not only for Schertz and the surrounding communities but also for the areas of New Braunfels, Seguin, and San Antonio.
The V.F.W. of Schertz was chartered in 1946. The first fire protection was from the Randolph Field Fire Department. Schertz businesses and citizens organized a fire department, and the first business meeting of the Schertz Fire Department was February 8, 1956. Archie Woodward was the first fire chief. A combination fire station and city hall were built, and the Schertz library is now in this building. A new library has recently been built next to the previous library. Schertz was incorporated as a city by the state of Texas in 1958.
The original center of Schertz is located in western Guadalupe County at 29°33′21″N 98°16′22″W / 29.55583°N 98.27278°W. City Hall, located at 1400 Schertz Parkway, is also in Guadalupe County. Large tracts of the city now extend north into Comal County and south into Bexar County. Cibolo Creek, forming the boundary between Guadalupe and Bexar counties, runs through the city just south of the historic downtown. Schertz is bordered by Cibolo to the east, a narrow strip of San Antonio to the south along Interstate 10, Converse and Randolph AFB to the southwest, Universal City and Selma to the west, Garden Ridge to the north, and New Braunfels to the northeast.
Interstate 35 runs through the northern part of the city, with access from exits 174 through 180. I-35 runs 19 miles (31 km) southeast to downtown San Antonio and 6 miles (10 km) from the northeastern city limits to the center of New Braunfels.
According to the United States Census Bureau, Schertz has a total area of 28.6 square miles (74.0 km), of which 28.4 square miles (73.6 km2) is land and 0.19 square miles (0.5 km), or 0.63%, is water.
As of the 2020 United States census, there were 42,002 people, 14,853 households, and 11,570 families residing in the city.
As of 2010, there were 31,465 people, 6,604 households, and 5,283 families residing in the city. The population density was 755.9 inhabitants per square mile (291.9/km). There were 7,009 housing units at an average density of 283.4 per square mile (109.4/km2). The racial makeup of the city was 82.0% White, 6.6% African American, 0.5% Native American, 1.8% Asian, 0.2% Pacific Islander, 5.5% from other races, and 3.4% from two or more races. Hispanic or Latino of any race were 19.5% of the population.
There were 6,604 households, out of which 42.1% had children under the age of 18 living with them, 67.2% were married couples living together, 10.0% had a female householder with no husband present, and 20.0% were non-families. 16.7% of all households were made up of individuals, and 5.3% had someone living alone who was 65 years of age or older. The average household size was 2.82 and the average family size was 3.17.
In the city, the population was spread out, with 29.3% under the age of 18, 6.7% from 18 to 24, 33.0% from 25 to 44, 22.2% from 45 to 64, and 8.8% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 93.9 males. For every 100 females age 18 and over, there were 91.3 males.
The median income for a household in the city was $55,156, and the median income for a family was $59,745. Males had a median income of $38,655 versus $28,203 for females. The per capita income for the city was $21,938. About 4.2% of families and 5.2% of the population were below the poverty line, including 6.0% of those under age 18 and 8.4% of those age 65 or over.
A large number of Schertz’s population is connected with the military due to the presence of adjacent Randolph Air Force Base and nearby Fort Sam Houston and Lackland Air Force Base, which can result in some degree of population turnover due to the transient nature of military service.
The City of Schertz is a member of the Alamo Area Council of Governments.
Area school systems that cover the city include:
Private schools:
In recent years, Schertz has become a prime location for filming movies in the San Antonio area. In March 2007, the Cevallos Brothers filmed a portion of the movie The Ace in the Hole on location in Schertz. In 2005, the indie film Klay World: Off The Table was filmed by Robert Benfer in various desolate areas around Schertz. Avenue of the Strongest: A September 11 Memorial Exhibit was also filmed in Schertz.