Owner Operators Truck Insurance Near Me Missouri City, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Missouri City, 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 Missouri City, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Missouri City, 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.
Missouri City is a city in the U.S. state of Texas, within the Houston–The Woodlands–Sugar Land metropolitan area. The city is mostly in Fort Bend County, with a small portion in Harris County. As of the 2020 census, the city had a population of 74,259, up from 67,358 in 2010. The population was estimated at 75,457 in 2019.
The area in which Missouri City is now located holds a significant part in the history of Texas that dates back to its early days as part of the United States. In August 1853, the Buffalo Bayou, Brazos and Colorado Railway (BBB&C), began operating its first 20 miles (32 km) of rail line that stretched from Harrisburg (now Houston) to Stafford’s Point (now Stafford). It was the first railroad to begin operating in Texas, and the first standard gauge railroad west of the Mississippi River.
The railway continued its extension westward until, in 1883, it linked with its eastward counterpart, completing the Sunset Route from Los Angeles to New Orleans. Today, the route of the BBB&C (now owned by the Union Pacific Railroad) is still an important and heavily operated railroad line.
In 1890, two real estate investors from Houston (R.M. Cash and L.E. Luckle) purchased 4 sq mi (10 km) of land directly on the route of the BBB&C, only a mile and a half from its first stop at Stafford’s Point. They advertised the property as “a land of genial sunshine and eternal summer” in St. Louis, Missouri, and its surrounding areas. Three years later, W.R. McElroy purchased 80 acres (32 ha) in the same vicinity, and in an effort to promote the area jointly with Cash and Luckle in St. Louis, he named it “Missouri City”. Its first settlers were, however, from Arlington, Texas, between Dallas and Fort Worth.
The settlement was officially registered in Texas in 1894, and began to take shape as a railroad town along Main Street and Blue Ridge Road, now known as US 90A and Texas Parkway, respectively. Its growth took an unexpected turn when, on February 14, 1895, shortly after the first group of settlers had arrived, the town was hit with a blizzard. This discouraged some of the newcomers, who gave up and moved elsewhere. Those unwavered stayed and found success in farming and ranching.
Among its first businesses were a blacksmith shop, a depot, and a general store, which also housed the first post office. The first Catholic church was built in 1913, but was destroyed by a hurricane in 1915. The new church built to replace it stood until 1990.
Oil was discovered at Blue Ridge 4 mi (6 km) southeast of town in 1919; soon after, a salt mine opened there. Missouri City became the railroad shipping point for these two resources. In 1925, at the same location, natural gas was discovered. After a pipeline had been constructed the following year, Missouri City became the first town in Fort Bend County to make use of natural gas.
With the benefit of a railroad, Missouri City had already been home to commuters who, by train, traveled to adjacent towns such as Stafford’s Point and Sugar Land to work. With the increase of automobiles and the improvement of roads and highways in the early part of the 20th century, the developing community of Missouri City gradually attracted a wealth of newcomers. This gave birth to a new generation of commuters, replacing railroad commuting that eventually became obsolete. By the 1950s, the town began to take shape as a notable “bedroom community” suburb of Houston.
After fear and rumor spread of possible annexation of the unincorporated town by Houston, town leaders scrambled to piece together a city government. On March 13, 1956, the community that began as a small settlement more than 55 years earlier was incorporated.
Missouri City has since seen tremendous economic growth, moving eastward, southward, and then westward. The city was first made over by Fondren Park (in Harris County), near US 90A, in the early 1960s, followed by Quail Valley, along Cartwright Road between Texas Parkway and Murphy Road, in the late 1960s. Unlike neighboring Houston, Missouri City has been a zoned city since 1981. Multifamily complexes (e.g. apartments and condominiums) are a rare find because of the current zoning ordinance.
In the 1980s, an influx of middle-class African Americans – most of them first-time homeowners – were attracted to developing communities south and west of Houston. Many of them made the subdivisions of Missouri City home. This influx occurred after an economic downturn caused property values and interest rates to drop. Teal Run and other unincorporated areas east of Highway 6 became ethnically diverse before neighborhoods farther west. Movement by black families has been characterized by neighborhood hopping, whereby families who can afford to move go to majority-white neighborhoods, ostensibly to escape possible negative influences to their children. As a result of the influx, some white families moved to different communities and neighborhoods in a response known as “white flight”. Many of the newcomers were employees within nearby Houston work centers (e.g., Texas Medical Center and Greenway Plaza). In 2000, Missouri City was named a model city for middle-class African Americans by Black Entertainment Television. Today, Missouri City is a prime example of wealthy, majority-Black suburbs in the U.S.
The Missouri City area’s recent upscale, master-planned residential developments include Lake Olympia, south of Quail Valley, and portions of Riverstone, south of State Highway 6. The nearby unincorporated area of Sienna Plantation, also located south of Highway 6, is situated on and around land once occupied by plantations, where among other things, sugarcane and cotton were harvested.
In 2018 Yolanda Ford became the first black mayor and first female mayor of Missouri City. In 2020, Ford lost her campaign for reelection.
Missouri City is located in eastern Fort Bend County with a portion of the city extending north into Harris County. Missouri City is bordered by the city of Houston to the north and east, Stafford to the northwest, Sugar Land to the west, and Arcola to the southeast, as well as unincorporated communities such as Fifth Street to the north, Fresno to the east, and Sienna Plantation to the south. Downtown Houston is 17 mi (27 km) to the northeast. Oyster Creek flows in a southerly direction through the municipality.
According to the United States Census Bureau, Missouri City has a total area of 29.8 square miles (77.2 km), of which 28.4 square miles (73.6 km) are land and 1.4 square miles (3.6 km), or 4.65%, are covered by water.
Former communities annexed into Missouri City have included:
As of the 2020 United States census, there were 74,259 people, 24,827 households, and 20,099 families residing in the city.
As of the 2010 census, there were 67,358 people, with 20,228 households, and 16,711 families residing in the city. The racial makeup of the city was 24.9% non-Hispanic White, 46.1% African American, 0.4% Native American, 16.2% Asian, and 2.9% from two or more races. Hispanic or Latino of any race were 15.3% of the population.
There were 20,228 households, out of which 45.7% had children under the age of 18 living with them, 61.8% were married couples living together, 16.1% had a female householder with no husband present, and 17.4% were non-families. 15.6% of all households were made up of individuals, and 4.0% had someone living alone who was 65 years of age or older. The average household size was 3.17 and the average family size was 3.54.
According to 2010 estimates, the median income for a household in the city was $81,854, and the median family income was $87,089. 38.1% of households had an income of $100,000 or more. Males had a median income of $59,157 versus $42,183 for females. The per capita income for the city was $27,210. About 9.1% of the population was below the poverty line, including 15.4% of those under age 18 and 6.5% of those age 18 or over. 41.4% of the population over the age of 25 years held a bachelor’s degree or higher.
The Missouri City Parks and Recreation Department is a nationally accredited, Texas Gold Medal Award-winning department that maintains and operates a wide variety of park and natural areas, trails, athletic complexes and other facilities. The Parks Department currently maintains 20 developed parks totaling 515 acres (208 ha), and over 14 miles of trail. Park amenities include multiple lighted sports fields, lakes, playgrounds, splash pad, and walking trails, as well as boating and fishing sites.
The Missouri City Recreation and Tennis Center is the heart of the recreation division and houses the majority of the city’s recreation and fitness classes. Completed in 2012, the center features 13 tennis courts, 4 batting cages, a cardio/weight room, multi-purpose rooms, locker rooms and a full-size gymnasium. In 2022 The Recreation and Tennis Center was recognized by the United States Tennis Association (USTA), as an Outstanding Tennis Facility. Missouri City received the award in the Large (12 or more courts), Public Tennis Facility division.
The Parks and Recreation Department has daytime and evening recreational programs and provides numerous special events throughout the year.
The Missouri City Parks and Recreation Department became nationally accredited in 2021.
Missouri City’s historic Freedom Tree Park is named after the Freedom Tree, which sits along Misty Hollow Drive between Glenn Lakes and Lake Olympia boulevards, at the former Palmer Plantation site.
The Fort Bend County portion of Missouri City is served by Fort Bend Independent School District, while the Harris County portion is served by Houston Independent School District. The Harris County portion is within Trustee District IX, represented by Lawrence Marshall as of 2008.
FBISD formed in 1959 by the consolidation of Missouri City Independent School District and the Sugar Land Independent School District.
It operates the following schools within the Missouri City city limits:
In addition to these schools, a small portion of Missouri City is also served by Dulles Middle School, First Colony Middle School, Clements High School and Dulles High School, all in Sugar Land. Some areas of Missouri City are served by other schools.
Prior to 1959 Missouri City High School, which merged into Dulles High that year, served the city. At the time of the 1959 merger, white students attended an elementary school in Missouri City, a middle school in Sugar Land, and a high school site in Missouri City. Annie Wilcox Elementary School initially occupied the former Missouri City High School building. The former combined elementary site now houses E. A. Jones Elementary School, the middle school site now houses Lakeview Elementary School, and the high school site now houses Missouri City Middle School. Dulles High became the high school for white students.
There were three schools for black students, including M.R. Wood School in Sugar Land, housing grades 1–12, and the Staffordshire School in Stafford, which houses grades 1–4, as well as a school in Arcola. There was a period where black secondary students in Missouri City were reassigned to M.R. Wood. FBISD desegregated in 1965. Dulles Junior High School served as FBISD’s sole junior high school from March 1965 to August 1975, and Missouri City Junior High School opened in October 1975 on the former Missouri City High site. Dulles High became the only zoned high school for students of all races in FBISD until Willowridge High School opened in 1979. Wilcox Elementary had closed after Blue Ridge Elementary opened in August 1969.
The Harris County portion of Missouri City is zoned to HISD schools located in the city limits of Houston:
There are 13 private primary and secondary schools in Missouri City.
Divine Savior Academy at Sienna Campus is a Christian preschool, elementary school, and middle school of the Wisconsin Evangelical Lutheran Synod in Missouri City.
The entire city is served by the Houston Community College System.
Missouri City is served by the Missouri City Branch of the Fort Bend County Libraries system. The library, across the street from the City Hall complex and the Missouri City Civic Center, opened in June 1992. The 18,642 square feet (1,731.9 m) branch, designed by Hall/Merriman Architects, was the first of four branches built with 1989 bond funds.
On October 1, 2010, the City of Missouri City’s anti-smoking law, which bans smoking in most public places, went into effect.
The United States Postal Service operates the Missouri City Post Office and the Missouri City Post Office Annex. As of 1996 some places in the city of Missouri City have Houston postal addresses, and some places in the city of Houston have Missouri City postal addresses; this is because the U.S. postal system does not base its mailing address names on municipal boundaries.
Fort Bend County does not have a hospital district. OakBend Medical Center serves as the county’s charity hospital which the county contracts with. Harris Health System (formerly Harris County Hospital District), the hospital district for Harris County, designated Valbona Health Center (formerly People’s Health Center) for ZIP code 77071 (Harris County Missouri City). The nearest public hospital is Ben Taub General Hospital in the Texas Medical Center.
Missouri City is crossed by US 90A, Beltway 8 (Sam Houston Tollway), Fort Bend Toll Road, State Highway 6, FM 1092 (Murphy Road), FM 2234 (Texas Parkway), and FM 3345 (Cartwright Road). Other nearby highways are Interstate 69/US 59 to the northwest and Interstate 610 (Loop 610) to the northeast.
Although Missouri City does not have public transportation within the city limits itself, it is part of the service area of METRO. METRO operates the Missouri City Park and Ride located on Beltway 8 and Fondren Road, which is the terminus of bus Route 63 Fondren to Sharpstown and Westheimer, bus Route 98 Briargate to Hiram Clarke Transit Center and Route 170 Missouri City Express to the Texas Medical Center (terminating at the Texas Medical Center Transit Center METRORail station there).
Discussions continue on commuter service along US 90A from METRORail’s Fannin South station, initially to terminate at the Fort Bend County line near Beltway 8. Expansion westward awaits, among other things, formation of a transportation district or other funding means for communities that are not now in the METRO service area.
The US 90A/Southwest Rail Corridor project was put on hold on September 28, 2012.
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.
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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.