Cheapest Owner Operators Truck Insurance Rosenberg, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Rosenberg, 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 Rosenberg, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Rosenberg, 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.
Rosenberg is a city in the U.S. state of Texas, within the Houston–The Woodlands–Sugar Land metropolitan area and Fort Bend County. Rosenberg was named for Henry Von Rosenberg who emigrated to Texas from Switzerland in 1843. Von Rosenberg was an important figure in the settlement of Fort Bend County and the Gulf Coast region. The population was 38,282 at the 2020 census, up from 30,618 at the 2010 census. The community holds the Fort Bend County fair in October. Rosenberg is adjacent to the city of Richmond, the Fort Bend County seat.
Rosenberg is named after Henry Rosenberg, who migrated from Switzerland to Galveston, Texas in 1843. Rosenberg was the first president of the Gulf, Colorado and Santa Fe Railway.
Rosenberg is located in central Fort Bend County at 29°33′9″N 95°48′18″W / 29.55250°N 95.80500°W (29.552388, –95.804899), on the south side of the Brazos River. It is bordered to the northeast by Richmond, to the south by Pleak, and to the southwest by Beasley.
The Southwest Freeway (I-69 and US-59) runs through the south side of Rosenberg, bypassing the city center. The freeway leads northeast 32 miles (51 km) to downtown Houston, and US-59 continues southwest 92 miles (148 km) to Victoria and beyond.
According to the United States Census Bureau, Rosenberg has a total area of 22.5 square miles (58.4 km), of which 22.5 square miles (58.2 km2) are land and 0.04 square miles (0.1 km), or 0.25%, is water.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen climate classification system, Rosenberg has a humid subtropical climate, Cfa on climate maps.
As of the 2020 United States census, there were 38,282 people, 12,636 households, and 8,613 families residing in the city.
At the 2000 census, there were 24,043 people, 7,933 households and 5,976 families residing in the city. The population density was 1,131.7 inhabitants per square mile (437.0/km2). There were 8,438 housing units at an average density of 397.2 per square mile (153.4/km). The racial makeup of the city was 65.69% White, 8.53% African American, 0.37% Native American, 0.38% Asian, 0.04% Pacific Islander, 22.17% from other races, and 2.81% from two or more races. Hispanic or Latino of any race were 54.96% of the population.
There were 7,933 households, of which 41.3% had children under the age of 18 living with them, 53.4% were married couples living together, 15.7% had a female householder with no husband present, and 24.7% were non-families. 20.8% of all households were made up of individuals, and 8.1% had someone living alone who was 65 years of age or older. The average household size was 3.00 and the average family size was 3.48.
30.9% of the population were under the age of 18, 10.8% from 18 to 24, 30.0% from 25 to 44, 18.5% from 45 to 64, and 9.8% who were 65 years of age or older. The median age was 30 years. For every 100 females, there were 98.6 males. For every 100 females age 18 and over, there were 95.2 males.
The median household income was $35,510 and the median family income was $39,965. Males had a median income of $28,723 versus $21,945 for females. The per capita income for the city was $14,814. About 13.6% of families and 16.1% of the population were below the poverty line, including 20.7% of those under age 18 and 12.9% of those age 65 or over.
Fort Bend County Libraries operates the George Memorial Library, the main library, in Richmond. The main library was originally located in Rosenberg, near the Polly Ryon hospital. The library moved to Richmond in 1986. The library underwent extensive renovations in 2013 and reopened with new technology, media rooms, and room design.
The City of Rosenberg operates nine municipal parks within the city limits.
Fort Bend County operates the Bud O’Shieles Community Center in Rosenberg. The two acre center includes an auditorium, meeting centers, and centers for elderly people.
Rosenberg is served by the Lamar Consolidated Independent School District.
Elementary schools in Rosenberg include Arredondo, Bowie, Jackson, Taylor Ray and Travis.
Middle and high schools in Rosenberg include Wessendorf Middle School, Lamar Junior High School, Navarro Middle School, George Junior High School, Lamar Consolidated High School, and B.F. Terry High School.
Additionally Wright Junior High School (grades 6-8), and Randle High School serve sections of Rosenberg; they are in an unincorporated area.
Fort Bend County does not have a hospital district. OakBend Medical Center serves as the county’s charity hospital, which the county contracts with.
Fort Bend County Public Transportation provides local bus service and commuter service to Houston.
Greyhound Bus Lines serves the Rosenberg Station at Raceway gas station.