Bierwirth Insurance Agency
Business Insurance
Specializing in business and contractors insurance in Texas.
Start a quote online or call 713-589-5498.
View all: Insurance coverages or Quick Contractor Quote
Bierwirth Insurance Agency
Personal Insurance
Specializing in family and individual insurance in Texas.
Start a quote online or call 713-589-5498.
View all: Insurance coverages
Who is Bierwirth Insurance Agency?
We care about you and your business. You are not just a number at our agency. You are person, with a name we want to remember.
You will work with the same person on your account. Not someone new, in a new department for your every need. We make ourselves available via phone, email, chat and text.
We’ve learned in the busy industry of construction; we need to be available for your permitting needs and last minute requirements to get on a jobsite to earn your living.
Owner/Founder Donna Howard is a Certified Construction Risk Insurance Specialist. Her experience includes 18 years of exposure to the insurance industry in a multifaceted environment.
Coverage designed to fit your business.
Questions? Answers.
Think of your trucking insurance premium on a risk meter. The more potential risk an insurance carrier views the higher the premium. Here are the major factors when a carrier determines your rate:
- Your Drivers History: A clean driving record in any case will help you secure a much lower rate v.s a driving record which has a history of accidents, violations, and more.
- Business Timeline: How long you’ve been in business is a huge factor to determining the premium price. In most cases, businesses with over 2 years will receive a much lower premium than businesses that have less than 2 years.
- Cargo: What you haul in your truck and how heavy it is being hauled will impact the risk level which will change the premium.
- Location + Operating Radius: The longer the operating distance the higher the premium will usually be. Longer distance means more risk because a driver has an increased risk of accidents, falling asleep behind the wheel, loosing focus on the road, and changing weather conditions throughout different areas.
- Vehicle Type: The heavier the truck, the more the premium will increase. Heavy truck means more risk in event of an accident.
Commercial truck insurance rates are high because insurance companies know that there’s a higher risk of injury and accidents. Why have the rates risen in the past decade? US Commercial truck insurance rates have risen dramatically over the past few years due to the numerous cases of accidents caused by commercial trucks due to inattentive driving as well as a decreased supply of drivers.
All insurers charge different rates for new trucking companies and owner-operators. You are legally allowed to start a trucking company without a CDL, but if you plan on driving the truck, it is a requirement to have a CDL. Premiums are generally higher when it is not owned by an individual who drives.
Doing your research upfront, taking good care of your truck, and looking for the least expensive coverage available are three ways to save money on trucking insurance.
- Keep your driving record extra clean to get better rates on your auto insurance policy.
- Look into other cheaper options outside of traditional captive insurance agencies. We are an independent insurance agency which means we can quote from a variety of insurance carriers.
Other factors in premium include what you’re hauling, driving radius, time in business, # of trucks, type of trucks, tickets/accidents, the driver(s) history and experience.
Typically, a trucking company will be insured for these lines of coverage: Auto Liability, General Liability, Physical Damage, Motor Cargo Coverage, Comprehensive/Collision Insurance. Contact us at 713-589-5498 for more information about protecting your trucking firms assets.
A claim will affect your premium differently based on the covered riders and the severity of loss. On average, 3 years.
Don’t see your question? Contact us.
