Owner Operator Insurance Cost Friendswood, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Friendswood, 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 Friendswood, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Friendswood, 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.
Friendswood is a city in the U.S. state of Texas. It is part of the Houston–The Woodlands–Sugar Land metropolitan area. The city lies in Galveston and Harris counties. As of the 2010 census, the population of Friendswood was 35,805.
In 2007, CNN/Money magazine listed Friendswood as one of 100 “America’s Best Places to Live” for that year, making it one of 900 small towns recognized since the rankings first began in 2005.
Friendswood, situated in the northwest corner of Galveston County, has the distinction of being the only permanent town in Texas that started as a Quaker colony. It was established in 1895 by a group of Quakers led by T. Hadley Lewis and Frank J. Brown. They were looking for a “promised land” to start a colony of the people who belonged to the religious denomination called Friends or Quakers.
From its founding, life in Friendswood revolved around church and school. After the small church and school building was demolished in the 1900 Storm, the two-dozen families living in Friendswood erected a large two-story frame structure for their church and school. The building, called The Academy, housed the school and sanctuary until a larger, stone building replaced it.
Through the 1940s, Friendswood was predominately a small, remote, farming Quaker community with less than 500 citizens. The economy depended largely on growing and preserving Magnolia figs. After 1950, it became increasingly a suburban bedroom community, as Houstonians discovered the idyllic country setting the farmlands were converted to subdivision home-sites. The community became a city when it incorporated in 1960.
Friendswood is located at 29°30′45″N 95°11′53″W / 29.51250°N 95.19806°W (29.512532, –95.197933).
According to the United States Census Bureau, the city covers a total area of 54.1 square kilometres (20.9 sq mi), of which 53.7 square kilometres (20.7 sq mi) are land area and 0.15 square miles (0.4 km), or 0.69%, is covered by water.
As of the 2020 United States census, there were 41,213 people, 13,540 households, and 10,427 families residing in the city.
As of the census of 2000, 29,037 people, 10,107 households, and 8,085 families resided in the city. The population density was 1,381.2 inhabitants per square mile (533.3/km2). The 10,405 housing units averagedensity of 495.0 per square mile (191.1/km). The racial makeup of the city was 90.09% White, 2.70% African American, 0.40% Native American, 2.39% Asian, 2.80% from other races, and 1.63% from two or more races. Hispanics or Latinos of any race were 8.79% of the population.
Of the 10,107 households, 43.7% had children under the age of 18 living with them, 68.5% were married couples living together, 8.7% had a female householder with no husband present, and 20.0% were not families. About 17.0% of all households were made up of individuals, and 6.3% had someone living alone who was 65 years of age or older. The average household size was 2.85 and the average family size was 3.23.
In the city, the population was distributed as 30.0% under the age of 18, 6.2% from 18 to 24, 29.4% from 25 to 44, 25.7% from 45 to 64, and 8.6% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 93.7 males. For every 100 females age 18 and over, there were 90.4 males.
In 2010, the median income for a household was $115,439 and for a family was $128,898. Males had a median income of $67,084 versus $35,447 for females. The per capita income for the city was $39,515. About 2.3% of families and 3.3% of the population were below the poverty line, including 3.4% of those under age 18 and 3.8% of those age 65 or over.
The Friendswood Post Office is located at 310 Morningside Drive. Some locations in the City of Houston have Friendswood mailing addresses. NASA astronaut Michael Foreman was elected mayor in 2018.
The Baybrook Mall is physically located in the City of Houston, but has a Friendswood mailing address.
Students in Friendswood attend schools in either Friendswood Independent School District (FISD) if they live south of Clear Creek (Galveston County), or Clear Creek Independent School District (CCISD) if they live north of Clear Creek (Harris County). The CCISD portion is within the Board of Trustees District 4, represented by Stuart J. Stromeyer as of 2008.
Cline Elementary School, Westwood Elementary School, Bales Intermediate School, and Windsong Intermediate School serve the FISD portion of Friendswood. All FISD residents are zoned to Friendswood Junior High School and Friendswood High School.
CCISD students from Friendswood attend Wedgewood Elementary School in Friendswood, and Brookside Intermediate School in Friendswood. Most residents of CCISD Friendswood are zoned to Clear Brook High School in unincorporated Harris County, while some residents of CCISD Friendswood are zoned to Clear Springs High School in League City.
Students who live in the area around Friendswood, but are in unincorporated Harris County with address listed as Friendswood or Webster attend Greene Elementary School or Landolt Elementary School in unincorporated Harris County for elementary schools. For middle school they are zoned to Westbrook Intermediate School in Houston.
The Friendswood Public Library at 416 South Friendswood Drive serves Friendswood.
The Friendswood ISD area is assigned to College of the Mainland, while the portion of Clear Creek ISD in Harris County (and therefore the Harris County part of Friendswood) is assigned to San Jacinto College.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen climate classification, Friendswood has a humid subtropical climate, Cfa on climate maps.
The 2014 novel Friendswood, set in the area, was written by René Steinke.
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.
