Owner Operator Insurance Requirements Huntsville, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Huntsville, 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 Huntsville, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Huntsville, 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.
Huntsville is a city in and the county seat of Walker County, Texas. The population was 45,941 as of the 2020 census. It is the center of the Huntsville micropolitan area. Huntsville is in the East Texas Piney Woods on Interstate 45 and home to Texas State Prison, Sam Houston State University, the Texas Department of Criminal Justice, Huntsville State Park, and HEARTS Veterans Museum of Texas.
The city served as the residence of Sam Houston, who is recognized in Huntsville by the Sam Houston Memorial Museum and a statue on Interstate 45.
The city had its beginning around 1836, when Pleasant and Ephraim Gray opened a trading post on the site. Ephraim Gray became first postmaster in 1837, naming it after his hometown, Huntsville, Alabama.
Huntsville became the home of Sam Houston, who served as President of the Republic of Texas, Governor of the State of Texas, Governor of Tennessee, U.S. Senator, and Tennessee congressman. Houston led the Texas Army in the Battle of San Jacinto, the decisive victory of the Texas Revolution. He has been noted for his life among the Cherokees of Tennessee, and— near the end of his life — for his opposition to the American Civil War, a very unpopular position in his day. Huntsville has two of Houston’s homes, his grave, and the Sam Houston Memorial Museum. Houston’s life in Huntsville is also commemorated by his namesake Sam Houston State University, and by a 70 ft (21 m) statue. (The towering statue, “A Tribute to Courage” by artist David Adickes, has been described as the world’s largest statue of an American hero, and is easily viewed by travelers on Interstate 45.)
Huntsville was also the home of Samuel Walker Houston (1864–1945), a prominent African-American pioneer in the field of education. He was born into slavery on February 12, 1864 to Joshua Houston, a slave owned by Sam Houston. Samuel W. Houston founded the Galilee Community School in 1907, which later became known as the Houstonian Normal and Industrial Institute, in Walker County, Texas.
In 1995, on the grounds of the old Samuel W. Houston Elementary School, the Huntsville Independent School District, along with the Huntsville Arts Commission and the high school’s Ex-Students Association, commissioned the creation of The Dreamers, a monument to underscore the black community’s contributions to the growth and development of Huntsville and Walker County.
After a book display at the Huntsville Public Library (HPL) riled up city officials in 2022, the library removed two book displays. Following the removal of the two book displays, the city decided to privatize the library.
As of the 2020 United States census, there were 45,941 people, 13,187 households, and 5,893 families residing in the city.
As of the census of 2010, there were 35,078 people, 10,266 households, and 7,471 families residing in the city. The population density was 1438.3/km sq (10,135.1/mi sq). There were 11,508 housing units at an average density of 1143.8/km sq (1372.4/mi sq). The racial makeup of the city was 65.78% White, 26.14% African American, 0.33% Native American, 1.11% Asian, 0.07% Pacific Islander, 4.91% from Race (United States Census) other races, and 1.65% from two or more races. Hispanic or Latino of any race were 16.22% of the population.
There were 10,266 households, out of which 25.3% had children under the age of 18 living with them, 37.0% were married couples living together, 12.5% had a female householder with no husband present, and 46.7% were non-families. 30.8% of all households were made up of individuals, and 7.5% had someone living alone who was 65 years of age or older. The average household size was 2.31 and the average family size was 2.97.
In the city, the population was spread out, with 15.1% under the age of 18, 29.3% from 18 to 24, 30.8% from 25 to 44, 16.3% from 45 to 64, and 8.5% who were 65 years of age or older. The median age was 28 years. For every 100 females, there were 152.9 males. For every 100 females age 18 and over, there were 163.8 males. The prison population is included in the city’s population, which results in a significantly skewed sex ratio.
The median income for a household in the city was $27,075, and the median income for a family was $40,562. Males had a median income of $27,386 versus $22,908 for females. The per capita income for the city was $13,576. About 13.1% of families and 23.9% of the population were below the poverty line, including 23.9% of those under age 18 and 14.7% of those age 65 or over.
Huntsville is located at 30°42′41″N 95°32′54″W / 30.71139°N 95.54833°W (30.711254, −95.548373).
According to the United States Census Bureau, the city has a land area of 35.86 square miles in 2010.
At the area code level, land area covers 559.661 sq. mi. and water area 7.786 sq. mi.
Huntsville is about 70 miles (110 km) north of Houston. It is part of the Texas Triangle megaregion.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Huntsville has a humid subtropical climate, abbreviated “Cfa” on climate maps.
As of 2022, the largest employer in Huntsville is the Texas Department of Criminal Justice, with 6,744 employees. In 1996 the TDCJ had 5,219 employees in Huntsville. Robert Draper of the Texas Monthly described Huntsville as the “company town” of the TDCJ; he stated that the industry was “recession-proof” and that “It’s hard to find a person in Huntsville who doesn’t have at least an indirect affiliation with the prison system” since many businesses indirectly rely on its presence. As of 1996 the TDCJ employed over twice the number of people employed by Sam Houston State University, the city’s second-largest employer.
As of 2022, Sam Houston State remained the second-largest employer in Huntsville, with 2,417 employees. The university has a strong role in the study of criminology. The third-largest employer is the Huntsville Independent School District, with 980 employees. The fourth-largest employer, Huntsville Memorial Hospital, has 552 employees. 485 employees work for the fifth-largest employer, Wal-Mart.
As of 2020, Huntsville’s average income was lower than Texas’s average income.
Huntsville has the headquarters of the Texas Department of Criminal Justice (TDCJ), the Texas agency that operates state correctional facilities for adults. The Texas prison system has been headquartered in Huntsville since Texas’s founding as a republic, and the TDCJ is the only major state agency not headquartered in Austin, the state capital.
Several TDCJ prisons for men, including the Byrd Unit, the Goree Unit, the Huntsville Unit (home of the state’s execution chamber), and the Wynne Unit, are within Huntsville’s city limits. The Holliday Unit, a transfer unit, is also in Huntsville.
The TDCJ Central Region Warehouse and Huntsville Prison Store are in the TDCJ headquarters complex. The Food Service Warehouse is behind the Wynne Unit. The TDCJ operates the Huntsville District Parole Office in Huntsville.
As of 1996 the TDCJ director resided in a mansion across the street from the Huntsville Unit.
The headquarters of the Texas Forensic Science Commission is located at Sam Houston State University.
Greyhound Lines operates the Huntsville Station in Huntsville. As of 2001 many former prisoners released from the Texas Department of Criminal Justice system use the station to travel to their final destinations. The station is three blocks uphill from the Huntsville Unit, a point of release for prisoners exiting the TDCJ.
Bruce Brothers Huntsville Regional Airport is located in Huntsville. Renamed from the Huntsville Municipal Airport in 2009, Bruce Brothers Huntsville Regional Airport is a city-owned, public-use airport. As of December 2015, it is still listed as the Huntsville Municipal Airport by the Federal Aviation Administration and the Texas Department of Transportation.
In September 2009, the Huntsville Cultural District was designated by the Texas Commission on the Arts as one of the first seven state cultural districts. Museums, art galleries, artist studios and workshops, historic homes, theaters and theatrical performances are located within the Cultural District in historic Downtown Huntsville. The Cultural District is also home to some of the finest historical architecture in Texas, including murals created by world-renowned artist Richard Haas and unique homes built from recycled materials created by Dan Phillips of Phoenix Commotion complement the historic aspects of the district. You can enjoy self-guided walking and driving tours, art activities, music-theater-dance performances, shopping, antiquing, and unique eateries.
Ruth Massingill and Ardyth Broadrick Sohn, authors of Prison City: Life with the Death Penalty in Huntsville, Texas, said that Huntsville shares several traits with other small towns. For instance many insiders include members of Huntsville’s founding families, who still reside in Huntsville. They also said “Disagreement is a well-established Huntsville tradition.” The authors say that debate is a significant part of the leadership agenda, and that the residents of Huntsville disagree about capital punishment.
The Huntsville Item is the community’s newspaper.
The Houstonian is the SHSU student newspaper.
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KHMX (“Mix 96.5”) 96.5 FM Houston
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The majority of the City of Huntsville is served by the Huntsville Independent School District (HISD).
By 2007, a Huntsville community report stated that over 50% of the HISD students are “classified as economically disadvantaged”; this is a higher percentage than the overall state percentage. As of 2007 over 18% of the students do not graduate from high school.
List of Schools (by education level):
Preschool/Pre-K
Elementary
Intermediate
Middle
High
Private
A very small portion of the city of Huntsville is within the New Waverly Independent School District.
Sam Houston State University is located in Huntsville. It also served as the first location for Austin College.
Residents of both Huntsville ISD and New Waverly ISD (and therefore the whole city of Huntsville) are served by the Lone Star College System (formerly North Harris-Montgomery Community College).
The 7,000 square feet (650 m) Huntsville Public Library opened on Sunday September 24, 1967 after the group “Friends for a Huntsville Public Library” had campaigned for the opening of a public library. The Huntsville Public Library provides a relevant print collection as well as offering access to electronic resources, as well as having over forty public access computers for adults, teens, and children. The Texas State library has made available a large array of professional databases, giving the public access to thousands of professional journals, encyclopedias, language programs, educational tutorials, and informational sites. Patrons of the Huntsville Public Library have access to information that was previously only available at university and major public libraries.
In 2022 the library took away a display related to LGBTQ topics. In December of that month the city council voted to have Library Systems & Services, a private company, operate the library.
The Windham School District, which provides educational services to prisoners in the TDCJ, is headquartered in Building B in the Wynne Unit in Huntsville.
Huntsville has several tourist attractions, including an art tour, a downtown walking tour, a Prison Driving Tour, Sam Houston’s grave, the Sam Houston Memorial Museum, the Sam Houston Woodland Home, A Tribute to Courage (a 67 foot tall statue of Sam Houston), The Texas Prison Museum, and a folk and cowboy music festival held every April.
A Tribute to Courage is the world’s tallest statue of an American Hero. Standing on a 10-foot granite base, the 67-foot tall statue of Sam Houston is visible from I-45 northbound for 6.5 miles. David Adickes, the creator of Big Sam, transformed 60 tons of concrete and steel into the monument and dedicated the statue to the City of Huntsville on October 22, 1994.
Within the Huntsville Cultural District, the Wynne Home Arts & Visitor Center offers a wide variety of arts and cultural programs tailored to the interests and needs of Huntsville’s diverse community.
The Sam Houston National Forest is one of just four National Forests in Texas. The forest contains 163,037 acres between Huntsville, Conroe, Cleveland, and Richards. The forest is home to the 128-mile Lone Star Hiking Trail, a portion of which has gained National Recreation Trail status.
