Owner Operator Insurance Cost Bryan, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Bryan, 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 Bryan, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Bryan, 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.
Bryan is a city and the seat of government of Brazos County, Texas, United States. It is located in the heart of the Brazos Valley (East and Central Texas). As of the 2020 census, the city had a population of 83,980. Bryan borders the city of College Station, which lies to its south. Together they are referred to as the Bryan–College Station metropolitan area, which has a population of more than 250,069.
The area around Bryan was part of a land grant to Moses Austin by Spain. Austin’s son, Stephen F. Austin, helped bring settlers to the area. Among the settlers was William Joel Bryan, the nephew of Stephen Austin. In 1866 the county seat of Brazos County was changed from Boonville to Bryan, and a post office was opened. In 1867, after many delays caused by the Civil War, the Houston and Texas Central Railroad, which had only previously gotten as far as Millican, finally reached Bryan. A short time later, in 1871, the city of Bryan became incorporated. Just south of Bryan, Texas A&M College opened in 1876 in what later would be known as College Station. The following year, 1877 saw the establishment of the Bryan Independent School District. Keeping up with progress in the rest of the country, Bryan added electric lighting and a waterworks to its community in 1889. The fifth Brazos County courthouse was built in 1892, and by the turn of the century, in 1900, the International-Great Northern Railroad stopped in Bryan.
Using a generous grant of $10,000 from Andrew Carnegie, the Carnegie Library of Bryan opened its doors in 1902. A bell, made in 1905 and rung in 1918 to signal the end of World War I is still located out front today. In 1910 the town built an interurban railroad to College Station. By 1923 the line was abandoned. The first Jewish place of worship, the Temple Freda synagogue, was opened in 1913. During the 1930s the town of North Oakwood merged with Bryan. Now Bryan and College Station are “twin” cities. In 1936 State Highway 6 was built, running right through town.
In 2006, the Texas A&M University System announced that the new Texas A&M Health Science Center campus would be built in Bryan near the new Traditions Golf Course development.
A fire at the El Dorado Chemical Co. in 2009 caused the evacuation of 70,000 residents due to the burning of ammonium nitrate, possibly causing minor respiratory problems. However, the city requested that only “anyone who can smell smoke or see smoke to evacuate their homes and businesses” and did not enforce an evacuation except for 500 homes in the nearby vicinity of the fire. Less than 1,000 residents chose to evacuate, taking shelter at Texas A&M University, which closed its campus for the day to ease traffic problems. City fire officials chose to let the fire burn down before tackling it, since the chemicals were water reactive. The evacuation, which started at 2:30 pm CST ended at 7 pm, except for a small, defined area immediately around the fire, where approximately 100 Bryan residents lived. In the end, only 500 residents were under a mandatory evacuation, and 35 people were treated for respiratory problems from the smoke. Officials from El Dorado said there was never any danger from the smoke or fire. The warehouse, valued at just under $1 million, was destroyed.
In 2010, the Brazos County District Attorney’s Office started the enforcement of a “Gang Safety Zone” in response to an escalation in violence within Bryan. Major US papers and ABC News covered this move. Cities like Houston and Los Angeles looked to the Bryan model of safety enforcement surrounding gang violence. The injunction declared a 3.2-mile (5.1 km) area in Bryan as the Gang Safety Zone. This placed about half of downtown in the area.
In 2013 the Planned Parenthood clinic in Bryan closed as a result of state budget cuts which impacted family-planning facilities. The facility began offering abortions in 1998; it was one of three in the state which ceased operations on August 31, 2013.
On April 8, 2021, a workplace shooting occurred in Bryan. An employee of Kent Moore Cabinets, a local cabinet-making company, killed one person and injured five others, four of them critically. He then fled but was later taken into police custody, shooting and injuring a state trooper in the process. In June, 27-year-old suspect Larry Bollin was indicted by a grand jury on charges of murder and aggravated assault.
Bryan is located northwest of the center of Brazos County. It is bordered to the southeast by the city of College Station and to the northwest by the unincorporated community of Lake Bryan. The Brazos River flows past approximately nine miles to the southwest. According to the United States Census Bureau, the city has a total area of 44.5 square miles (115.3 km), of which 44.4 square miles (115.0 km) is land and 0.077 square miles (0.2 km), or 0.20%, is water.
The local climate is subtropical and temperate, and winters are mild with periods of low temperatures usually lasting less than two months. Snow and ice are extremely rare. Summers are warm and hot with occasional showers being the only real variation in weather.
As of the 2020 United States census, there were 83,980 people, 30,647 households, and 18,659 families residing in the city.
As of the census of 2000, there were 65,660 people, 23,759 households, and 14,873 families residing in the city. The population density was 1,515.2 inhabitants per square mile (585.0/km). There were 25,703 housing units at an average density of 593.1 per square mile (229.0/km). The racial makeup of the city was 64.65% White, 17% African American, 0.40% Native American, 1.65% Asian, 0.08% Pacific Islander, 13.32% from other races, and 2.17% from two or more races. Hispanic or Latino of any ethnicity/nationality were 17.83% of the population.
There were 23,759 households, out of which 32.3% had children under the age of 18 living with them, 44.2% were married couples living together, 14.0% had a female householder with no husband present, and 37.4% were non-families. 26.1% of all households were made up of individuals, and 7.7% had someone living alone who was 65 years of age or older. The average household size was 2.65 and the average family size was 3.27.
In the city, the population was spread out, with 27.0% under the age of 18, 18.1% from 18 to 24, 29.8% from 25 to 44, 15.8% from 45 to 64, and 9.3% who were 65 years of age or older. The median age was 28 years. For every 100 females, there were 99.2 males. For every 100 females age 18 and over, there were 95.7 males.
The median income for a household in the city was $31,672, and the median income for a family was $41,433. Males had a median income of $29,780 versus $22,428 for females. The per capita income for the city was $15,770. About 15.5% of families and 22.3% of the population were below the poverty line, including 27.0% of those under age 18 and 11.7% of those age 65 or over.
Sports complexes and recreation centers include: Kyle Field, Merrill Green Stadium, Reed Arena, Olsen Field at Blue Bell Park, American Momentum Bank Ballpark, G. Rollie White Coliseum, Anderson Track and Field Complex, Aggie Soccer Complex, Bryan Regional Athletic Complex, Aggie Softball Complex, George P. Mitchell Tennis Center, Spirit Ice Arena, The City Course at Phillips Event Center, and Bryan Aquatic Center.
The Texas Department of Criminal Justice (TDCJ) operates the Hamilton Unit, a pre-release facility in Bryan. Hamilton opened as an adult prison facility. It was renovated for juveniles and, in mid-1997, re-opened as the Texas Youth Commission (TYC) J.W. Hamilton Jr. State School. On June 15, 2003, the facility was transferred back to the TDCJ. The TDCJ also operates the Bryan District Parole Office in nearby College Station.
The United States Postal Service operates the Bryan and Downtown Bryan post offices. The Federal Bureau of Prisons operates the Federal Prison Camp, Bryan, a women’s prison located in Bryan.
The Brazos Transit District began offering bus service in the Bryan-College Station in 1974. It offers fixed bus routes throughout Bryan-College Station. Operating on weekdays on an hourly basis, the seven routes converge at a central location for transferring between routes. It also offers paratransit services for disabled riders and an on-demand shared ride service. Texas A&M University, headquartered in sister city College Station, operates student-driven free buses on weekdays for use by the general public that includes coverage around several apartment complexes in Bryan near campus and along a route that culminates at the campus of Blinn College.
Bryan is served commercially by Easterwood Airport, a regional airport operated by Texas A&M University in College Station. American Eagle offers flights to and from their larger hub airport at Dallas/Fort Worth International Airport.
The city of Bryan owns and operates Coulter Field and provides fixed-base operator services, hangar space, and runways for private flights.
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.
