Owner Operator Insurance Cost Deer Park, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Deer Park, 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 Deer Park, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Deer Park, 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.
Deer Park is a city in the U.S. state of Texas within the Houston–Sugar Land–Baytown metropolitan area. The city is located in Harris County and is situated in Southeast Harris County. At the 2020 U.S. census, the population of Deer Park was 34,495.
Deer Park was founded in 1892 by Simeon H. West, a farmer, retired legislator, and much-traveled adventurer from Illinois. He named the town for the large number of deer that roamed the Gulf plains. A railroad station opened later that year and a post office followed in 1893.
The subdivision was established in 1893 and was the site of a Galveston, Harrisburg and San Antonio Railway station by about 1894. A Deer Park post office was established in 1893, discontinued in 1919, and reestablished in 1930. In 1896, the community, with a population of forty, had a hotel, a general store, and three resident carpenters. By 1922, Deer Park had dwindled down to almost nothing with four houses, one little schoolhouse, and an old hotel with a few scattered shacks along the railroad right-of-way. In 1928, Shell Oil Company broke ground on a new refinery. In the 1930s, an independent school district was established. By 1940, the population had grown to 100. By 1946, however, the area began to flourish as Deer Park became the site of refineries and toluene plants for the production of TNT.
The citizens of Deer Park voted to incorporate on December 12, 1948, and a few weeks later Earl E. Dunn became the first mayor.
Because of the 1948 incorporation, Houston did not incorporate Deer Park’s territory into its city limits. The first city council meeting was held on February 7, 1949. The population had grown to 700 by 1948, to 5,000 by 1960 with a fire station, city hall, playground parks and an independent city water supply. A public library was begun in 1962. Population was 12,773 in 1970, and 28,520 in 2000. This growth has been fueled by the growth of the petrochemical industry as well as the growth of business along the Houston Ship Channel. Deer Park has a school district with 14 campuses, a city library, community theater, municipal court building, three fire stations, numerous city parks and recreational facilities, state-of-the-art water and sewer processing facilities, a post office, several hotels, 14 major industries as well as several light industrial companies. Today, Deer Park has approximately 9,000 homes and more than 30,000 residents.
Deer Park is near the site of the Battle of San Jacinto, where, on April 21, 1836, Texas won its independence from Mexico. Because the initial surrender treaty after the battle was drafted in Dr. George Moffitt Patrick’s cabin, Deer Park bills itself as the “Birthplace of Texas”. The original cabin was located on Buffalo Bayou where Rohm and Haas, now owned by Dow Chemical Company, established a chemical plant in Deer Park. A replica of Dr. Patrick’s cabin is in front of the Theatre/Courts Building on Center Street. The Texas State Historical sign marker was relocated from the Dow Chemical parking lot to the replica log cabin home of Dr. Patrick located at the Theatre/Courts Building.
On June 22, 1997, an ethylene explosion occurred at the nearby Shell Chemical Company plant that was heard and felt as far as 25 miles (40 km) away. While no evacuation of the city was ordered, residents living within a mile west of the plant were advised to remain inside their homes.
On March 17, 2019, a huge chemical fire broke out in the chemical tank farm at Intercontinental Terminals Company. The fire, which was caused by a leak in one tank, eventually spread to a dozen tanks. The leak was caused by a failure of manifold power frame of the tank.
The resultant fire and smoke flume could be seen for miles and lasted for three days. The tanks involved in the fire contained chemicals including xylene, naptha, pyrolysis gasoline (Pygas), and toluene. Deer Park residents were required to shelter in place during the fire.
Deer Park has been known for several smaller and less destructive tornadoes in its past, but on January 24, 2023, a large EF3 tornado hit downtown Deer Park. It caused damage most notably to a nursing home and an animal shelter, brought down cell service for the city, and knocked out power to many areas, including schools in the Deer Park Independent School District. Schools were still in session at the time of the tornado, but no students or teachers in the affected schools were injured or killed. Entire neighborhoods were severely damaged as a result of the tornado. The tornado prompted the first ever tornado emergency issued by the National Weather Service in League City.
Deer Park is located in Southeastern Harris County at 29°41′31″N 95°7′5″W / 29.69194°N 95.11806°W (29.692003, –95.118108). According to the United States Census Bureau, the city has a total area of 10.52 square miles (27.25 km), of which 10.46 square miles (27.08 km) are land and 0.07 square miles (0.17 km), or 0.62%, are water.
Deer Park is bounded by the city of La Porte to the south and east, and by the Houston Ship Channel—the dredged-out Buffalo Bayou—to the north.
As of the 2020 United States census, there were 34,495 people, 11,637 households, and 8,813 families residing in the city. The American Community Survey reported a population of 33,474 in 2019.
According to the 2019 American Community Survey, the racial and ethnic makeup of the city was 57.5% non-Hispanic white, 1.8% Black and African American, 1.4% American Indian and Alaska Native, 1.6% Asian, 3.2% multiracial, and 37.8% Hispanic and Latin American of any race. In 2000, the racial makeup of the city was 90.01% White, 1.31% African American, 0.41% Native American, 1.13% Asian, 0.13% Pacific Islander, 5.25% from other races, and 1.76% from two or more races. Hispanic or Latino of any race were 15.22% of the population.
In 2000, the median income for a household in the city was $61,334, and the median income for a family was $66,516. Males had a median income of $50,867 versus $30,926 for females. The per capita income for the city was $24,440. About 4.0% of families and 5.6% of the population were below the poverty line, including 5.4% of those under age 18 and 4.9% of those age 65 or over. By 2019, residents of Deer Park had a median gross rent of $1,170 in 2019 and median household income of $80,592. The per capita income was $33,083 and 7.3% of the population lived at or below the poverty line.
The Deer Park Post Office is located at 200 East San Augustine Street.
Deer Park closed the old city hall and built a new building next door on a vacant lot. The doors to the new city hall was opened in 2018. The old building was torn down and parking lot enlarged. The building is located at 710 E. San Augustine Street.
The designated public hospital is Ben Taub General Hospital in the Texas Medical Center.
United States Congressional District
Texas State Senate Districts
Texas State House Districts
Most Deer Park pupils attend schools in Deer Park Independent School District. Some attend school in the La Porte Independent School District.
Deer Park High School serves the DPISD portion.
La Porte High School serves the LPISD portion. Deer Park has 4 junior high schools, Deer Park Junior High, Bonnette Junior High, Fairmont Junior High and Deepwater Junior High. There are 7 elementary schools that serve the area as well. Deer Park ISD has an open enrollment program that allows students that do not reside within the boundaries of DPISD to attend DPISD Schools. LPISD has two elementary schools in Deer Park: College Park Elementary and Heritage Elementary. The 10,000-capacity Clyde Abshier Stadium is the home of the Deer Park Deer.
Colleges
Deer Park is also served by the San Jacinto College District, Central Campus.
The city operates the Deer Park Library at 3009 Center Street.
29°41′31″N 95°07′05″W / 29.692003°N 95.118108°W
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.
