Owner Operator Insurance Requirements La Porte, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements La Porte, 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 La Porte, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in La Porte, 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.
La Porte ( lə PORT) is a city in Harris County, Texas, United States, within the Bay Area of the Houston–Sugar Land–Baytown metropolitan area. As of the 2020 census, the city population was 35,124. La Porte is the fourth-largest incorporated city in Harris County.
When La Porte celebrated its centennial in 1992, it was the home of Barbours Cut Terminal, operated by the Port of Houston Authority since 1977. Fifteen years later, the Port of Houston’s newest addition, Bayport Terminal, was established just south of La Porte. The area around La Porte has served an increasingly important role in international trade since the 1970s.
The area around modern La Porte gained fame early in Texas history as the location of the Battle of San Jacinto on April 21, 1836, which ended the Texas Revolution, establishing the independence of the Republic of Texas from Mexico. The San Jacinto Monument, in the unincorporated area of La Porte, commemorates the battle. During the early 20th century, particularly the 1920s and 1930s, La Porte’s Sylvan Beach became a nationally known tourist destination attracting some of the nation’s most well-known entertainers. As a result of changing economics in the Houston area and beach erosion, the tourist business declined while industrial development in the area grew. During World War II and afterward, La Porte’s economy rapidly shifted toward petroleum/petrochemicals and shipping, which developed as the dominant industries in the Pasadena-Baytown area.
The community of La Porte was founded in 1892 as a speculative real estate venture by an investment group. A 22-acre (0.089 km) public space known as Sylvan Grove was reserved by the waterfront. The area around Sylvan Grove soon was developed with amenities including bathhouses, boating piers, and a Victorian hotel with a dance pavilion. La Porte quickly became the most popular tourist destination in the Houston area. Sylvan Grove Park was acquired in 1896 by a company known as Adoue and Lobit and renamed Sylvan Beach. Cottage retreats were built around the waterfront.
In 1900, the devastating Galveston Hurricane hit the shoreline, seriously damaging the community’s attractions. As the Texas Oil Boom took hold beginning in 1901, and neighboring Houston became home to many wealthy businessmen, La Porte quickly rebuilt and re-established itself as a tourist center. It was, however, damaged again by a major fire and another hurricane in 1915. The community rebuilt again.
During the 1920s and 1930s Sylvan Beach Amusement Park became a nationally recognized destination, featuring beauty contests and regular performances by famous bands, in addition to a growing gallery of amenities. Some of the most well-known performers of the era, including Guy Lombardo, the Dorsey Brothers, Phil Harris, and Benny Goodman, appeared at the park. In the 1930s the park was completely revamped, with additions of a large boardwalk, amusement rides, and many other attractions. The residential community remained small, supported exclusively by Sylvan Beach tourism and the nearby Bay Ridge community, an area of beachfront summer homes in neighboring Morgan’s Point built by wealthy Houstonians.
The beachfront began to physically shrink beginning around 1928 because of erosion from the wakes of shipping traffic, and land subsidence resulting from the extraction of groundwater in the area due to development. Gas rationing in World War II slowed tourism. A hurricane in 1943 destroyed most of the tourist attractions. Most of the damaged structures at Sylvan Beach were never rebuilt after this time, as the area was changing, and La Porte’s tourist industry rapidly declined. By the later 20th century, erosion had completely eliminated the beach.
As shipyards and industrial plants in World War II were developed in nearby communities such as Pasadena, Baytown, and Deer Park, the community’s residents became more dependent on these businesses. The opening of the La Porte-Baytown tunnel in 1954 further spurred development. The later establishment of the Johnson Space Center in the nearby Clear Lake Area, the Barbours Cut shipping terminal in neighboring Morgan’s Point, and the Bayport Industrial District within La Porte’s jurisdiction have gradually made the community successful as part of the Houston area’s industrial heartland.
Much of the history of La Porte’s glory years as a tourist haven has been preserved by the La Porte Bay Area Heritage Society. Plans have been discussed for many years to restore La Porte’s status as a tourist destination. A project to restore the beachfront at Sylvan Beach Park began in 2009 and finished in 2013, with sand brought in from other areas and dredging operations. Other plans, including building a large hotel on the shoreline, have been discussed as well.
According to the United States Census Bureau, the city has a total area of 20.0 sq mi (51.8 km), of which 1.4 sq mi (3.6 km), or 6.91%, is covered by water.
La Porte has many small, 1940s, frame houses.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen climate classification, La Porte has a humid subtropical climate, Cfa on climate maps.
La Porte contains many communities. Lomax was once a separate jurisdiction, but was annexed by La Porte.
As of the 2020 United States census, there were 35,124 people, 12,342 households, and 9,148 families residing in the city.
As of the census of 2000, 31,880 people, 10,928 households, and 8,578 families were residing in the city. The population density was 1,683.3 people/sq mi (649.9/km). The 11,720 housing units averaged 618.8/sq mi (238.9/km). The racial makeup of the city was 81.39% White, 6.25% African American, 0.48% Native American, 1.13% Asian, 0.08% Pacific Islander, 8.52% from other races, and 2.15% from two or more races. About 20.45% of the population was Hispanic or Latino of any race.
Of the 10,928 households, 43.2% had children under 18 living with them, 62.8% were married couples living together, 11.4% had a female householder with no husband present, and 21.5% were not families. About 17.4% of all households were made up of individuals, and 4.6% had someone living alone who was 65 years of age or older. The average household size was 2.90, and the average family size was 3.28.
In the city, the age distribution was 29.7% under 18, 8.9% from 18 to 24, 32.7% from 25 to 44, 21.8% from 45 to 64, and 6.9% who were 65 or older. The median age was 33 years. For every 100 females, there were 98.5 males. For every 100 females age 18 and over, there were 95.0 males.
The median income for a household in the city was $55,810, and for a family was $60,034. Males had a median income of $46,118 versus $29,514 for females. The per capita income for the city was $21,178. About 6.2% of families and 7.5% of the population were below the poverty line, including 8.4% of those under age 18 and 11.2% of those age 65 or over.
The city is located adjacent to three major economic hubs of the Bay Area and Greater Houston: the Bayport Industrial District, the Battleground Industrial District, and the Barbours Cut shipping terminal.
As with the majority of home-rule cities in Texas, La Porte has a charter for a council-manager form of government. The elected council members serve as a legislative body to make policy; they hire the city manager, who is the operating officer for the city. Since 2012, the city manager has been Corby Alexander, from Henderson, Texas. Elections for city council members are held at the same time as for the school board of the city’s school district.
The United States Postal Service operates the La Porte Post Office at 801 West Fairmont Parkway.
Harris Health System (formerly Harris County Hospital District) designated Strawberry Health Center in Pasadena for ZIP code 77571. The nearest public hospital is Ben Taub General Hospital in the Texas Medical Center.
The area is zoned to the La Porte Independent School District, including La Porte High School.
Primary and secondary schools include: Jennie Reid Elementary, Rizzuto Elementary, Lomax Elementary, La Porte Elementary, Bayshore Elementary, College Park Elementary, and Heritage Elementary. The secondary schools include Baker Sixth Grade Campus, La Porte Junior High, Lomax Junior High and La Porte High School.
Residents of La Porte ISD (and therefore La Porte) are zoned to San Jacinto College.
The city is served by the 23,357-square-foot (2,169.9 m) La Porte Branch Library of Harris County Public Library (HCPL), located at 600 South Broadway. The library first opened in 1929. The City of La Porte maintains the buildings and furnishings while HCPL staffs and operates the library.
Old Sylvan Beach Depot Museum and Library, operated by archivist Ann Malone and docent Georgia Malone, the former’s daughter, includes various archival materials related to La Porte. The former Southern Pacific Railroad depot is the main building and the grounds also include the original La Porte Library building and a caboose.
Harris County Transit provides public transportation in La Porte.
La Porte Municipal Airport is located in the La Porte city limits.
The closest major airports with commercial airline service are William P. Hobby Airport and George Bush Intercontinental Airport in Houston.
La Porte is linked to Interstate 10 (see map) by State Highway 146, crossing the Fred Hartman Bridge into the nearby city of Baytown; the bridge was built in 1995, replacing the Baytown Tunnel, to allow deepening of the Houston Ship Channel.
La Porte is located on the northwest end of Galveston Bay at the mouth of Buffalo Bayou and the San Jacinto River.
