Owner Operators Truck Insurance Near Me Pasadena, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Pasadena, 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 Pasadena, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Pasadena, 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.
Pasadena is a city in the U.S. state of Texas, within the Houston–The Woodlands–Sugar Land metropolitan area. As of the 2020 U.S. census, the city’s population was 151,950, making it the twentieth most populous city in the state of Texas, as well as the second-largest city in Harris County. The area was founded in 1893 by John H. Burnett of Galveston, who named the area after Pasadena, California, because of the perceived lush vegetation.
Prior to European settlement the area around Galveston Bay was settled by the Karankawa and Atakapan tribes, particularly the Akokisa, who lived throughout the Gulf coast region. Spanish explorers such as the Rivas-Iriarte expedition and José Antonio de Evia charted the bay and gave it its name. The pirate Jean Lafitte established a short-lived kingdom based in Galveston in the early 19th century with bases and hide-outs around the bay and around Clear Lake. Lafitte was forced to leave in 1821 by the U.S. Navy.
Following its declaration of independence from Spain the new nation of Mexico moved to colonize its northern territory of Texas by offering land grants to settlers both from within Mexico and from the nearby United States. The colony established by Stephen F. Austin and the Galveston Bay and Texas Land Company of New York rapidly began a wave of settlement around the bay. Following a coup in the Mexican government by General Antonio Lopez de Santa Anna, Texas revolted against Mexican rule in 1835. After several battles and skirmishes the final battle of the Texas Revolution took place near modern Deer Park & La Porte, Texas on April 21, 1836. While the main battlefield was located in the neighboring present-day city of La Porte, Texas. Because this was the last conflict that led to the Mexican surrender, La Porte and neighboring Deer Park have adopted the nickname “Birthplace of Texas”.
The 1900 hurricane that destroyed Galveston heavily damaged Pasadena, as well. The city received a population boost from some Galveston refugees who relocated to the mainland following the catastrophe. Donations by the newly created Red Cross, including millions of strawberry plants to Gulf Coast farmers, helped revive the community. This and the subsequent establishment of a major strawberry farm in the area by Texaco founder Joseph S. Cullinan made Pasadena a major fruit producer for many years afterward.Rice farmers from Japan settled in the community further diversifying its agriculture. Champion Coated Paper Company of Ohio opened a paper mill in 1973.
In 1901 the Texas Oil Boom began with the gusher at Spindletop. The discovery of the oil field at Goose Creek led to increasing petroleum exploration around Galveston Bay. By 1917–1920 refinery operations had appeared in Pasadena and continued to expand thereafter for example the Pasadena Refining System… The world wars gradually brought further industrial development, with Pasadena’s growth rate surpassing even neighboring Houston.
Pasadena voted to incorporate in 1923, but residents decided to cancel the incorporation one year later. Pasadena incorporated in 1928. Because of the 1928 incorporation, Houston did not incorporate Pasadena’s territory into its city limits, while Houston annexed surrounding areas that were unincorporated.
Texas State Historical Association</ref> These developments helped to diversify the town’s economy significantly. Eventually, the city gained the unofficial moniker Stinkadena by locals due to the pollution from its large industrial base.
Former Pasadena City Council member and State Representative Ray Barnhart described the city at the time as “a lovely community but politically corrupt.” Barnhart recalled that a half dozen Pasadena officials were indicted in the late 1950s and early 1960s for public corruption.
In 1965, Houston Post reporter Gene Goltz Received the Pulitzer Prize for his exposure of government corruption in Pasadena, Texas, which resulted in widespread reforms.
In the 21st century, Pasadena emerged as a mostly working-class suburb of Houston.
On October 31, 2015, an EF2 tornado struck a warehouse within Pasadena city limits. Half of the warehouse was completely leveled with its roof completely mangled up. The tornado moved northeast into La Porte city limits and damaged approximately 30 homes.
On January 24, 2023, an EF3 tornado struck northwestern Pasadena. Multiple neighborhoods and apartment complexes were severely damaged by the tornado. No major casualties occurred with this tornado. The tornado would go on to affect Deer Park, and Baytown, Texas.
According to the United States Census Bureau, the city has a total area of 44.5 square miles (115 km), of which 44.2 square miles (114 km) is land and 0.4 square miles (1.0 km) (0.81%) is water. The city is bordered by the Houston Ship Channel (Buffalo Bayou / San Jacinto River) to the north. The southeasternmost part of the city fronts Galveston Bay.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters.
Neighborhoods in Pasadena include:
As of the 2020 United States census, there were 151,950 people, 48,174 households, and 36,201 families residing in the city. As of the census of 2010, there were 149,043 people. There were 54,712 housing units.
According to the 2010 census, the racial and ethnic makeup of the city was 83.3% White, 2.7% African American, 1.5% American Indian and Alaska Native, 2.1% Asian, 11.6% from other races, and 1.9% from two or more races. Hispanic or Latino of any race were 66.2% of the population. In 2020, the racial and ethnic makeup was 24.57% non-Hispanic white, 3.29% African American, 0.17% Native American, 2.2% Asian, 0.04% Pacific Islander, 0.31% some other race, 1.61% multiracial, and 67.81% Hispanic or Latino of any race.
The city’s key economic sectors include exploration for petroleum and gas, petroleum refining, petrochemical processing, solar panel manufacturing, and healthcare. The Pasadena Refining System, a partnership of Petrobras and Astra Holding USA, is headquartered in Pasadena.
Additionally, Harris County operates the Kyle Chapman/Pasadena Courthouse Annex. Harris Health System (formerly Harris County Hospital District) operates the Strawberry Health Center, and the Pediatric and Adolescent Health Center – Pasadena. The nearest public hospital is Ben Taub General Hospital in the Texas Medical Center, Houston. The Texas Department of Criminal Justice (TDCJ) operates the Houston V District Parole Office in Pasadena.
There are four post offices in the city limits. In July 2011 the USPS announced that one, John Foster Post Office, may close.
According to the city’s 2017 Comprehensive Annual Financial Report, the top employers in the city are:
The government of Pasadena operates under a mayor-council form of government with a mayor and eight council members who are responsible for enacting legislation, adopting budgets and setting policies.
The city has its own police department, which employs approximately 282 Officers, with one Police Chief, three Assistant Chiefs and other supervisory positions. The Pasadena Volunteer Fire Department is the largest of all volunteer municipal fire departments in the United States.
The city has several museums, including the Pasadena Historical Museum. Pasadena also has a community theater, an annual rodeo, and the Pasadena Philharmonic. The city’s newspaper is the Pasadena Citizen.
The Champion paper mill closed in 2005. Several country music songs have been recorded with “Pasa-get-down-dena” as the title including Kenefick on their album “Hard Road.”
In 1900, Clara Barton of the American Red Cross purchased 1.5 million strawberry plants and sent them to Pasadena to help victims of the 1900 Galveston hurricane get back on their feet. By the 1930s those crops had flourished so much that Pasadena was claiming the title of Strawberry Capital of the World. At its height, the city’s strawberry growers shipped as many as 28 train carloads of strawberries each day. To honor that history, the city still holds an annual Pasadena Strawberry Festival. Strawberry Road stretches through much of the city near where the old strawberry crops grew. Attendance at the annual Strawberry Festival was 56,000 in 2008.
Pasadena Philharmonic Society and Orchestra is a combination of two groups. The Society is composed of members of the local community that support the fine arts and classical music. The Orchestra is composed of local music educators, musicians, college students and selected high school students. The Orchestra presented its first performance in the fall of 1982. The Philharmonic has presented performances ever since.
The of city of Pasadena is served by the Pasadena Independent School District.
The Roman Catholic Archdiocese of Galveston-Houston operated the St. Pius V School in Pasadena from 1947, until its 2020 closure; the COVID-19 pandemic contributed to the closure.
Pasadena owns the Pasadena Public Library with the Main Library at 1201 Jeff Ginn Memorial Drive and the Fairmont Library, a branch, at 4330 Fairmont Parkway between Panama Street and Watters Road.
The city operates 15 tennis courts, several baseball fields, and a total of 43 parks. These include
over 14 miles (23 km) of trails,
four Youth Recreation Centers,
the Verne Cox Multipurpose Recreation Center,
three pools for Swimming or Aquatics,
an Athletics department,
a Dog Park,
Party Rentals,
a Golf Course,
an Historical Museum,
and a Senior Citizen Center.
Harris County operates several community centers in Pasadena.
Local residents have access to tennis courts, soccer fields, jogging tracks, walking tracks, picnic tables, family gathering pavilions at Pasadena’s 47 parks, 5 swimming pools, and 5 game room buildings, museum, recreation center, 15 tennis courts and 21 ball fields.
Armand Bayou Nature Center (ABNC) is a 2,500 acres (1,000 ha) preserve on the western shore of Galveston Bay in Pasadena. It is the only remnant of this region’s original eco-systems: coastal tallgrass prairie, bottomland forest and bayou. A diversity of plant life has taken root here, including bottomland hardwoods. Hundreds of species of wildlife thrive in the narrow wooded streams and scattered lakes, ponds and marshes. Armand Bayou also is a breeding and nursery ground for many finfish and shellfish and a haven for rarely seen species such as bobcats and owls.
As of 2010 ABNC has been designated as one of five preserves under the Texas Coastal Preserve Program of the Texas Parks and Wildlife Department.
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Pasadena is served by two freeway systems. The main freeway artery is the Pasadena Freeway (State Highway 225). The east side of the Sam Houston Tollway (Beltway 8) runs through the eastern portion of the city.
The Harris County Toll Road Authority sells EZ Tags in the city.
The city of Pasadena, community police outreach has devoted “friendship gardens” to the city of Hadano.
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.