Owner Operator Insurance Cost Conroe, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Conroe, 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 Conroe, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Conroe, 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
- Berkley Prime
- Falls Lake
- Great Lakes
- Allied World
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Tokio Marine
- National General
- Great American
- ACE / Westchester
- National Casualty / Nationwide
- Scottsdale Brokerage
- Crum Forster
- James River
- IFG – Burlington
- Carolina Casualty
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.
- 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.
- 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.
- 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.
Conroe is a city in and the county seat of Montgomery County, Texas, United States, about 40 miles (64 km) north of Houston. It is a principal city in the Houston–The Woodlands–Sugar Land metropolitan area.
As of 2023, the population was 103,035. Since 2007, the city has increased in size (and population) by annexation, with the city territory expanding from 52.8 to 74.4 square miles. Some communities have attempted to fight such annexation. According to the Census Bureau, Conroe was the fastest-growing large city in the United States between July 1, 2015, and July 1, 2016.
The city is named after Isaac Conroe. Born in the North, he served as a Union Cavalry officer and settled in Houston after the Civil War. There he became a lumberman. Conroe founded a sawmill in this area in 1881. The community built its early economy and wealth on the lumber industry. Originally named “Conroe’s Switch”, the community received an influx of workers and residents in the late 19th century who were attracted to the growth of the lumber industry, which harvested the local piney wood forest.
In 1886, Conroe Mill School was established in the expanding town. Conroe Normal and Industrial College, a school for African Americans, served the area.
Six lynchings were recorded in Montgomery County around the turn of the century, and some suspects were lynched at the courthouse in Conroe. In 1922, a young black man named Joe Winters was lynched, burned alive on the courthouse square for allegedly attacking a young white woman. Within the black community, it was known he was in a consensual relationship with the woman, who denied it when they were discovered.
In 1941 Bob White was shot to death in the courthouse, during his third trial. The African-American man was arrested in 1936 on charges of assaulting a white woman in Livingston, Texas. (Alternative accounts in the black community said they had a standing consensual relationship.) He was first tried there, before an all-white jury. They convicted him. The case was appealed with the help of the NAACP in Houston because he had not been given a lawyer or been able to contact family, and he was tortured in interrogation. The second trial was held in Conroe for a change of venue. Another all-white jury convicted White again. The case reached the United States Supreme Court on appeal, which had just ruled that coerced confessions were unconstitutional and remanded the case to the lower court for trial. During the proceedings in the courtroom, in front of the judge and numerous witnesses, the husband of the alleged victim shot White in the back of the head and immediately killed him. The husband was arrested and tried the following week, and was acquitted.
In 1931 George W. Strake discovered the Conroe Oil Field. Distillate and natural gas were produced from the Cockfield Formation at a depth of about 5,000 feet (1,500 m). cA second well in 1932 produced 1200 BOPD. By 1935, the field had produced 40 million barrels of oil.
During the 1930s, because of oil profits, the city briefly boasted more millionaires per capita than any other U.S. city. After the construction of Interstate 45 in the postwar period improved automobile access, many Houstonians began to follow the highway to new suburban communities that developed around Conroe.
The Office of Management and Budget classifies Conroe as a principal city within the Houston–The Woodlands–Sugar Land metropolitan area. The city is about 40 miles (64 km) north of Houston.
When Conroe incorporated in 1904, the city limits encompassed a 5.44 square mile area. From 1970 to 2000, the city limits expanded from 7.15 square miles to 42.35 square miles. Beginning in 2007, the city outlined a plan to continue expanding its city limits through annexation. According to Chapter 43 of the Texas Local Government Code, home rule municipalities like Conroe may annex territory that is adjacent to the city’s current boundaries, with certain restrictions. The city’s 2007 plan projected doubling its size through a combination of voluntary and involuntary annexations. As of 2022, the city has annexed territory every year since 2007, increasing the city limits from 52.8 to 77.5 square miles.
In April 2015, residents of the gated community of April Sound filed a lawsuit against Conroe after their community was annexed on January 1, 2015. The lawsuit was dismissed in March 2017. Involuntary annexations were a major issue in the 2016 mayoral election, the first after April Sound residents were incorporated into the city. Proponents of annexation contended that it was a useful tool to “promote and facilitate growth and progress,” while those in opposition were concerned about whether annexed territories receive a “fair shake” in the negotiations. In 2017, the city council voted in favor of additional involuntary annexations.
Conroe is in the southwest corner of the East Texas Piney Woods. The Piney Woods consist of pine trees and hardwood forests. The most common type of tree in the southwest Piney Woods is the loblolly pine. Shortleaf pine are also abundant. Pockets of blackland prairie vegetation are also present, but are disappearing due to urbanization.
In 1926, the Texas A&M Forest Service purchased 1700 acres of Piney Woods to establish W. Goodrich Jones State Forest. The forest serves as a research and demonstration area for sustainable forestry techniques. The forest also preserves the habitat of the red-cockaded woodpecker, a species classified in the early 21st century as Near Threatened by the IUCN.
In 2017, Texas A&M asked Conroe state senator Brandon Creighton to author a bill setting aside 10 percent of the forest for educational and research-related development. The bill also opened the possibility of commercial development on the land. Public concern over the bill persuaded Creighton to revise it. The final version, which passed the Senate unanimously, protected the entire forest from development.
The West Fork of the San Jacinto River flows through the western edge of Conroe. The entire city is within the river’s watershed. The river flows southeast from Lake Conroe, a 19,640 surface acre lake created by a dam in 1973 to establish an alternative source of drinking water for Houston.
Conroe developed over several geologic layers of underground aquifers, which supply the city with fresh drinking water. Due to rapid development in this area, and the increased population of Conroe and the surrounding area, the groundwater supply is being withdrawn faster than it can be replenished. As a result, the Lone Star Groundwater Conservation District, which oversees groundwater usage in Montgomery County, mandated that Conroe reduce its groundwater usage by 30 percent of 2009 amounts by January 1, 2016. As part of the groundwater usage reduction plan, the San Jacinto River Authority began in September 2015 to supplement Conroe’s groundwater supply with surface water pumped from Lake Conroe. The SJRA charges the city usage fees to cover the cost of pumping and treating the water.
On August 27, 2015, the City of Conroe filed a lawsuit against the Lone Star Groundwater Conservation District, claiming that the LSGCD did not have the authority to limit the city’s groundwater usage. The city also refused to pay SJRA water usage fee increases in 2016, resulting in a separate lawsuit filed by the SJRA against the city. The LSGCD and Conroe reached a settlement agreement in January 2019. The SJRA case was dismissed in June 2020.
Parts of Conroe surrounding the West Fork of the San Jacinto River are in a floodplain. Significant flooding occurs along the floodplain when rainfall exceeds nine inches in a 48-hour period. The Conroe area has approximately a 10 percent chance of receiving this much rainfall in any given year. Urban development in Conroe and the surrounding area has also exacerbated the risk of flooding. Montgomery County had 500-year floods in three successive years, in May 2015, April 2016, and August 2017. A 500-year flood has a 0.2 percent chance of occurring in a year. In addition, a fourth major flood occurred in May 2016, resulting in two major floods in two months.
The flooding in August 2017 took place during Hurricane Harvey, when nearly 32 inches of rain fell on the city. To protect the integrity of the dam, San Jacinto River Authority officials released 79,100 cubic feet per second of water from Lake Conroe downstream into the West Fork of the San Jacinto River, exacerbating flooding already taking place in the floodplain. Conroe city officials ordered a mandatory evacuation of McDade Estates, a neighborhood on the banks of the river. As a response to the flooding, Montgomery County commissioners in October 2017 requested $1.25 million from the federal government for a flood mitigation study, along with an additional $95.5 million to implement various flood mitigation projects.
During the first decade of the 21st century, the city attracted many new residents from the Houston area. Renée C. Lee said that Conroe around 2002 was “a sleepy, backwater town” and that at the time, Conroe city officials needed to use financial incentives to attract home developers to Conroe. Between 2003 and 2006, Conroe became a hotbed of construction of new houses. As a result, Conroe’s population grew from 36,811 in 2000 to 56,207 in 2010.
As of the 2020 United States census, there were 89,956 people, 32,547 households, and 21,369 families residing in the city.
As of the census of 2010, there were 56,207 people, 18,651 households, and 13,086 families residing in the city. Since the 2010 census, Conroe’s population has continued to grow. Between 2014 and 2015, Conroe was the sixth fastest growing city in the United States. The following year, the US Census Bureau reported that Conroe was the fastest-growing large city in the United States. It had a 7.8% growth rate between 2015 and 2016. New housing developments throughout the city have contributed to the rapid population growth. Conroe’s annexation of growing communities within its extraterritorial jurisdiction has also contributed to its growth.
The racial makeup of the city was 69.7% White (including Hispanic), 10.3% African American, 1.2% Native American, 1.8% Asian, less than 0.05% Pacific Islander, 13.7% from other races, and 3.2% from two or more races. Hispanic or Latino of any race were 38.5% of the population. White alone (not Hispanic or Latino) were 48.3% of the total population.
According to the 2016 American Community Survey, the median income for a household in the city was $50,517 and the median income for a family was $60,087. Males had a median income of $44,343 versus $37,747 for females. The per capita income for the city was $28,672. About 12.2% of families and 16.1% of the population were below the poverty line, including 19.4% of those under age 18 and 7.6% of those age 65 or over. In response to income inequality, several non-profit groups including the Montgomery County United Way, The Salvation Army, and the Crisis Assistance Center help provide residents of the area with a variety of services ranging from transportation to food and shelter.
In the early 1980s, Exxon considered consolidating its employees to a site in Conroe. The company ended the plans after the local oil-based economy collapsed.
According to the City’s 2016 Comprehensive Annual Financial Report, the top employers in the city are:
Downtown Conroe’s Central Business District hosts multiple arts venues. The oldest is the Crighton Theatre, which opened on November 26, 1935. The theatre is named after Harry M. Crighton, Conroe’s mayor from 1932 to 1933. The theatre functioned as the community’s movie theatre until 1967, at which point it fell into disrepair. In 1979 it was renovated, and it now hosts live theatrical productions. Another theatre, the Owen Theatre, is also located in the district. The Central Business District has outdoor performance venues at Conroe Founder’s Plaza and Heritage Place, which host multiple festivals throughout the year.
The city supports several arts organizations, including the Greater Conroe Arts Alliance. The Alliance is a network of multiple arts groups in the city such as the Conroe Symphony, the Conroe Art League, and the Montgomery County Choral Society. The Alliance also sponsors, along with the state of Texas, the Young Texas Artists Music Competition. The competition, founded in 1983, showcases young musicians who aspire to careers in classical music. In 2009, the city sponsored the Art Bench Project, which converted 13 stone benches scattered throughout the central business district into works of art. Each bench portrays a different part of Conroe’s history and culture, from historical figures like George Strake and Charles B. Stewart to contemporary art groups such as the Crighton Players.
The city contains multiple parks which document local history. The Heritage Museum of Montgomery County maintains artifacts of Montgomery County’s early settlers.
The Lone Star Monument and Historical Flag Park displays the flags that flew over Texas. The flags are positioned in a circle around the park, with a statue of a Texian in the center. Each flag comes with a plaque that describes its connection to Texas history. At the park’s entrance is a statue of Charles B. Stewart, who is claimed to have designed the lone star flag.
Montgomery County War Memorial Park is a memorial to the 166 soldiers from Montgomery County who have been killed in active duty. The park’s dedication ceremony was in 1976 and featured a speech by President Gerald Ford. In 2017, the Montgomery County Commissioners Court and the City of Conroe agreed to relocate and expand the memorial, to include the names of up to 50,000 soldiers who have lived in Montgomery County. As of June 2019, the expansion is ongoing.
Lake Conroe, northwest of downtown Conroe, is a site for such water-based activities as boating and fishing. The most common fish in the lake are Largemouth bass, bluegill, channel catfish, white bass, and hybrid striped bass. Crappie may also be found in the early spring and fall.
For the 2019 Fiscal Year, the city had $157.8 million in revenues and $147.9 million in expenditures. The city’s net position was $189.7 million.
The structure of the management and coordination of city services is:
The Conroe Police Department has 142 full-time police officers and 42 support staff. The department has a number of bureaus. The Uniformed Services Bureau includes the Patrol Division, SWAT a part time unit and honor guard. The Support Services Bureau the Criminal Investigations Division and animal control unit.
On 14 September 1982, Sergeant Ed Holcomb was shot and killed while responding to a domestic disturbance call.
In July 2013, Conroe Police Sergeant Jason Blackwelder was off duty, and he observed store employees chasing a shoplifting suspect. He joined the chase. In an isolated area, Blackwelder killed the suspect with a single gunshot to the back of the head. In June 2014, he was convicted of manslaughter. He was sentenced to five years’ probation.
The county operates the main branch of the Montgomery County Memorial Library System.
98% of Conroe is represented in the Texas Senate (District 4) by Republican Brandon Creighton. A small portion of the northern part of Conroe is part of District 3, represented by Republican Robert Nichols.
In the Texas House of Representatives, 94% of Conroe is part of District 16, represented by Republican Will Metcalf. The southern portion of Conroe is in District 15, represented by Republican Steve Toth. Less than 1% of Conroe residents are part of District 3, represented by Republican Cecil Bell, Jr.
The Texas Department of Criminal Justice (TDCJ) operates the Conroe District Parole Office in Conroe.
At the Federal level, the two U.S. senators from Texas are Republicans John Cornyn and Ted Cruz. Conroe is part of Texas’s 8th congressional district, which is represented by Republican Morgan Luttrell.
The United States Postal Service Conroe Post Office is located at 809 West Dallas Street.
Residents of both Conroe ISD and Willis ISD (and therefore the whole city of Conroe) are served by the Lone Star College System (formerly North Harris Montgomery Community College).
It is primarily served by the Lone Star College-Montgomery Campus and LSC University Center. Other campuses in the county include the EMCID Center in New Caney, and the Conroe Center. The territory in Conroe ISD joined the community college district in 1991, and the territory in Willis ISD joined the district in 1996.
The Catholic University of St. Thomas opened a campus in Conroe in fall 2020. The Old Conroe Police building has been adapted to serve as a temporary site for up to three years. The permanent campus is proposed to be at Deison Technology Park. Class of 1952 alumnus Vincent D’Amico offered the university 50 acres (20 ha) of land in east Montgomery County for the project.
Almost all areas of Conroe are within the Conroe Independent School District though a small northern section of Conroe is within the Willis Independent School District.
All of the schools listed here are in the city of Conroe. Approximately 60% of the Conroe ISD section of Conroe is zoned to Conroe High School though some parts of Conroe attend Oak Ridge High School and Caney Creek High School.
The junior high schools that serve the Conroe High School feeder zone are:
Some intermediate schools that serve the Conroe High School feeder zone are:
Some elementary schools that serve the Conroe High School feeder zone are:
The Willis ISD section is zoned to Turner Elementary School, Brabham Middle School, and Willis High School.
The closest Catholic high school is Frassati Catholic High School in north Harris County; Conroe is in the school’s intended catchment area.
The Courier is a daily newspaper published in Conroe, Texas, covering Montgomery County. In 2016, the newspaper was purchased by Hearst Communications, a media conglomerate which also owns and operates the Houston Chronicle.
Two Houston television stations, Ion owned-and-operated KPXB-TV (channel 49) and Quest owned-and-operated KTBU (channel 55), are licensed to Conroe. Both stations operate from studios located in the city of Houston.
In 2012 the U.S. Census Bureau classified the area around Conroe and The Woodlands as a “large urbanized transit area.” This is defined as an area having more than 200,000 residents, which makes it eligible to receive federal transportation funds, particularly to support transit.
Union Pacific Railroad Corporation operates another busy main line that runs north from Houston in Harris County to Palestine in Anderson County, known as the Palestine subdivision. The two railroads intersect at a diamond in downtown Conroe between Main and First Streets.
In the early 1920s the Mary Swain Sanitarium, was established as the first organized healthcare institution in the city. The Mary Swain Sanitarium was private.
In 1938 the Montgomery County Hospital, a public institution, replaced it. It had 25 beds. The hospital closed after a new hospital of the Montgomery County Hospital District opened in 1982.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Conroe has a humid subtropical climate, abbreviated “Cfa” on climate maps.
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.
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?
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.