Limo and Taxi Insurance Coverages in St Louis Missouri

MJM Insurance of St Louis City Will Address Your Livery Insurance Needs

Limo and Taxi Insurance Coverages in St Louis City Missouri | MJM Insurance St Louis City | (314) 645-2100MJM Insurance® of St Louis City is devoted to our clients and our commitment includes helping our clients stay in compliance with the insurance requirements for Limo and Taxi Insurance Coverages in St Louis Missouri.  Insurance is required for limo and taxicab companies, whether they are owner-operated or a large fleet.

There are many insurance coverage features available to protect your business and our agents will shop insurance to find the right insurance package that meets our clients’ needs.  Below are descriptions of some of the coverages our agents will explain and discuss with you.

  • Uninsured/Underinsured Motorists – Provides coverage if you are involved in an accident in which the other driver was at fault, and they did not have adequate coverage to pay the cost of damages. Missouri law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
  • Medical Payments – Bodily Injury will cover victims if property damage or injuries occur if the limousine driver is at fault. Property damage liability will cover the cost if damage occurs to things, such as a garage, mailboxes, or fences.
  • Personal Injury – This type of protection covers the cost if there is an accident with injuries. This will cover part of medical costs, rehabilitation bills, funeral expenses, and lost wages at work. If a pedestrian was injured, this type of coverage will pay their expenses, and it does not matter whose fault the accident was.
  • Physical Damage – Covers the cost if there is a collision with an object. Comprehensive insurance covers damage that occurs as a result of fire, rocks, animals, etc.
  • Employment Practices Liability – If a limousine operator is accused of things such as sexual harassment, wrongful termination or discrimination, this type of insurance will protect the business.

Limo and Taxi Insurance Coverages in St Louis City Missouri | MJM Insurance St Louis City | (314) 645-2100MJM Insurance® of St Louis City aims to protect our clients and their businesses by providing a proactive approach to their insurance needs.  Our licensed agents have a wealth of knowledge in the transportation industry and are well-qualified to handle Limo and Taxi Insurance Coverages in St Louis Missouri. Our agents have direct appointments with several insurance carriers that we can shop for you to find the best coverage at the best price.  We take the time to evaluate the customer’s business type, insurance business needs and state-mandated requirements, and explain them in a language our clients can understand.

Before your appointment, make sure you have the following information so we can get the most accurate Limo and Taxi Insurance Quote.

  • Vehicle description including the model, year, ID number, and serial number.
  • Use of the vehicle and geographical location of customer base.
  • Cash value of the vehicle as is, and the cost to buy a new vehicle.
  • Garaging location and the description of location.
  • A list of all drivers’ name, age, state and license number.
  • Claim details from the past three years.
  • Documented risk management procedures.

We do not treat our clients as a policy. We have genuine interest in your well-being and success.  Our agents continue to serve our clients and review your needs from time to time to ensure you continue to carry the best coverage that meets your needs.  Call us today to consult with one of our experts in Limo and Taxi Insurance Coverages in St Louis Missouri.  For a fast quote call (314) 645-2100.

 

Trucking Insurance Coverages in St Louis Missouri

Protecting Your Cargo

 Trucking  Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100MJM Insurance of St Louis City is a leader in providing all-inclusive programs for Trucking Insurance Coverages in St Louis Missouri.  Our licensed agents have more than 60 years combined experience with automobile liability, general liability, physical damage, garage liability, motor truck cargo, and workers compensation insurance.  We know without the right protection, there can be serious repercussions.

Whether you drive tractor trailers, box trucks, or flatbeds, and you depend on your truck for your business, MJM Insurance of St Louis City can help you protect your source of revenue, with coverages designed for professional truck drivers. We offer truck insurance for most types of trucks, including Box trucks, Semi trucks, Flatbed trucks, Front loaders, Tank trucks, Tractors, Dump trucks, Auto hauler trailers, Garbage trucks, Pickup trucks, Flatbed trailers, and more.

Because trucking is a unique industry, we also have access to a variety of carriers that offer exclusive coverages such as:

Motor Truck Cargo Coverage – 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 such as fire, collision, or striking of a load.

Removal Expense Coverage  – protects you if your load is accidentally dumped on a roadway or waterway. The coverage pays for the cost to remove debris or extract pollutants caused by the debris.

Sue and Labor Coverage  – pays for costs related to preventing further loss to damaged cargo, legal expenses in the defense or settlement of claims.

Earned Freight Coverage – pays for the freight charges the customer loses because of not delivering a load.

As your partner in business, MJM Insurance of St Louis City is dedicated to providing you with the right transportation insurance solutions. We will review your insurance needs and create a customized insurance package that protects the owner-operator and the trucking company.  Depending on your type of trucking business, our agents will tailor insurance packages that may include commercial auto liability and physical damage, general liability, workers’ compensation, mover and warehouse equipment, business personal property and crime.

Trucking Insurance in St Louis Missouri can vary in price based off driving history,  type of cargo, etc.  Many insurance carriers offer special savings based on reduced risk factors.  As a business owner, you want to be sure to get the best value for your money.  And to get the best value, there are actions you can take to prove to the insurance companies you are a responsible driver and/or business owner.  Detailed record keeping will not only help the business owner stay organized, but will give you the upper hand when searching for the best insurance rates.  Nonetheless, best practices for a trucking company should include maintaining a list of vehicle types, vehicle uses, recording the mileage of each vehicle and the distance each vehicle travels each year.  We also recommend our clients review employees’ driving records and consider training for any drivers who have had safety incidents, traffic infractions or accidents.

Whether you are an owner-operator or manage a full fleet,  give us a call for a free consultation on your trucking business.  (314) 645-2100

More information about a driver’s responsibility can be found at the Missouri Department of Transportation’s website.  Click here for the Missouri Trucking Guide.

Trucking Insurance in St Louis Missouri

There Could Be Severe Consequences Without The Right Protection

Trucking  Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100MJM Insurance of St Louis City is a leader in providing all-inclusive insurance programs to the trucking industry.  Our licensed agents have more than 60 years combined experience with Trucking Insurance in St Louis Missouri including; commercial auto insurance, general liability insurance, garage liability insurance, cargo insurance, and workers compensation.

We offer Trucking Insurance in St Louis Missouri from multiple top-rated carriers.  Contact us for a no obligation review of your trucking insurance needs and a free quote.

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Limo and Taxi Insurance in St Louis Missouri

Specialty Insurance for the Transportation Industry

Limo and Taxi Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100MJM Insurance of St Louis City specializes in Limo and Taxi Insurance in St Louis Missouri. We know what it takes to get the right coverage for taxi and limo operators – from single operators to large sophisticated fleets.   MJM Insurance of St Louis City works with our transportation clients to manage potential losses before they occur.  Taxi Cab and Limo Drivers must be covered if an accident leaves drivers exposed to a large liability claim, and because your business involves the transportation of people in your car, van or limo, you need coverage that protects your passengers.

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Where to Learn more about Business insurance in St Louis MO

Not All Business Insurance Is The Same

Where to Learn more about Business insurance in St Louis City MO | MJM Insurance® St Louis City | (314) 645-2100MJM Insurance® of St Louis City knows how vital it is to help business owners understand insurance selections and how to best protect business assets in case of a loss.  Our agents are here to help business owners know where to learn more about Business Insurance in St Louis MO.

There are many business issues that equally apply to sole proprietors and to large organizations.  Experienced business owners typically have a business license, pay their business taxes, and possibly have employees and payroll.  If business is good, then maybe an accountant to manage the bookkeeping.   All of these items have one thing in common…. INSURANCE.

Do you feel comfortable knowing your business is fully protected?  Have you gone through all risk scenarios and protected your business from potential financial loss? Owning the right business insurance makes good business sense.

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Business Insurance Coverages St Louis Missouri

Business Insurance Basics

Business Insurance Coverages St Louis Missouri | MJM Insurance® Of St Louis City | (314) 645-2100Business Owners often combine a number of insurance coverages into a package that is sold as a single policy. Many business owners shop online for Business Insurance Coverages St Louis Missouri and find the most common policy for small businesses is the Business Owners Policy (BOP).

The BOP combines coverage for all property and liability insurance risks as well as many other coverages into one package policy suitable for most small businesses. The BOP is an efficient way to provide the commercial insurance coverage that most small businesses need.  The term “BOP” specifically refers to insurance policy language developed by experts at ISO. ISO is a leading source of information about property/casualty insurance risk in a broad spectrum of commercial and personal lines of insurance.

The BOP includes business income insurance, sometimes called business interruption insurance. This compensates a business owner for income lost following a disaster. Disasters typically disrupt operations and may force a business to abandon the location. Business income insurance also covers the extra expense that may be incurred if a business must operate out of a temporary location.

To cover specific risks related to a business, a variety of additional coverages may be added to the basic BOP. For example, if a business has an outdoor sign, the BOP doesn’t cover it unless coverage is specifically added for an additional premium. If a business functions as a restaurant, the owner can add coverage for food spoilage and extra expenses in the event the ability of the business has be hindered.

Only small- to medium-sized businesses that meet certain criteria are eligible for a BOP. MJM Insurance® of St Louis City agents will look at the size of the premises, the required limits of liability, the type of business and the extent of offsite activity. Premiums for BOP policies are based on those factors plus business location, financial stability, building construction, security features and fire hazards.

Major Coverages

Most small businesses need to purchase at least the following four types of insurance.

Property Insurance

Property insurance will reimburse a business if the property used in the business is lost or damaged as the result of various types of common perils, such as fire or theft. Property insurance covers the building or structure,personal property, like office furnishings, inventory, computers and other items that a business needs to operate at full capacity. MJM Insurance® Of St Louis City can help business owners determine the best policy that meets their needs.  For example, property insurance may include coverage for equipment breakdown, removal of debris after a fire or other destructive event, some types of water damage and other losses.

Business Liability Insurance

Business Liability Insurance covers a business owner if the business is sued.  Customers may claim the business caused them harm as the result of a defective product, or bad service that resulted in property damages.  Other reasons a business may be sued is when a claimant may allege that the business created a hazardous environment. Business Liability insurance pays damages for which the business is found liable, up to the policy limits, medical bills, as well as attorneys’ fees and expenses.

Business Auto Insurance

A business auto policy provides auto insurance coverage only for autos owned by a business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which the business is legally liable, up to the policy limits.

Workers Compensation Insurance

Workers’ compensation is a state-mandated, “no-fault” insurance system that pays benefits to workers injured on the job to cover medical care, part of lost wages and permanent disability. In return, employers receive immunity from civil lawsuits by employees over such workplace injuries. As a general rule, businesses with five or more employees must be covered. Contractors are excluded from this rule and must have workers compensation insurance with just 1 employee. It is important to note that Missouri law does not distinguish between employees of different employment statuses. The statutory definition of “employee” includes both full- and part-time employees, seasonal and even temporary employees.

Other Types of Business Coverages

Errors and Omissions Insurance/Professional Liability

Errors and Omissions Insurance is most common for businesses that offer advisory services, rather than a product.  Examples of these type of businesses are CPAs, Attorneys, those providing physical care, can all lead to being sued by customers, clients or patients claiming that the business’s failure to perform a job properly has caused injury. Errors and omissions or professional liability insurance covers these situations. The policy will pay any judgment for which the insured is legally liable, up to the policy limit. It also covers legal expenses when there has been no wrongdoing.

Employment Practices Liability Insurance

Employment practices liability insurance covers damages for which an employer is legally liable such as violating an employee’s civil or other legal rights. In addition to paying a judgment for which the insured is liable, it also covers legal expenses when there has been no wrongdoing.

Business Insurance Coverages St Louis Missouri | MJM Insurance® Of St Louis City | (314) 645-2100Directors and Officers Liability Insurance

Directors and officers liability insurance protects directors and officers of corporations or not-for-profit organizations if there is a lawsuit claiming they managed the business or organization without proper regard for the rights of others. The policy will pay any judgment for which the insured is legally liable, up to the policy limit. It also covers legal expenses when there has been no wrongdoing.

 

Key Employee Insurance

Life or disability income insurance can compensate a business when certain key employees die or become disabled. These coverages cushion some of the adverse financial impact that results from losing a key employee’s participation.

Umbrella Policies

A Business Umbrella Insurance policy protects you in a claim when your general business liability limits are exhausted, and you are faced with a lawsuit and potentially millions of dollars in liability exposure. As the name implies, an umbrella liability policy provides coverage over and above a business’s other liability coverages. It is designed to protect against unusually high losses.  If a company has employment practices liability insurance, directors and officers liability, or other types of liability insurance, the umbrella could provide protection beyond those policy limits as well.

Please give us a call at (314) 645-2100 and have your insurance policy information ready. Our Commercial Insurance Specialist will obtain the information to begin working on your no obligation risk assessment and quote.

 

ST LOUIS INSURANCE BLOG | MJM INSURANCE™ OF ST LOUIS

Thank you for visiting our St Louis City Insurance blog!trustedchoice-trans1

First, allow us to introduce ourselves….

MJM Insurance® of St Louis is a well established full-service insurance agency.  As an independently owned St Louis City insurance operation, our licensed agents have access to several A+ rated insurance carriers such as Safeco, The Hartford, Travelers, EMC, Progressive, MetLife, and dozens more. 

Our professional agents assess the risks and exposures the consumer may be facing.  Our goal is to shop insurance for the consumer – a/k/a “you!”  We shop multiple carriers and find you the best protection at the best price.  We’ll help save time and heartache trying to figure out which specific coverage goes with which type of risk.

The insurance products we offer include automobile, homeowners, business, power sports, life, and other specialty lines.  During the client risk assessment, our agents review coverage and compare how you’re currently protected, and provide recommendations about how you should be protected. The coverage includes liability, property damage, bodily injury, personal property, home and renters coverage, business liability, workers compensation, personal or business investments and much more.

So now you know!

It is our goal to ensure Missouri consumers are well-informed about insurance and protecting themselves and their families. Our agents offer the Missouri Insurance Blog to provide information and educational resources for drivers, homeowners, business owners and everyone in between!  This blog and our site are dedicated to providing Missouri consumers valuable information related to insurance products and risk management solutions. 

So why purchase your St Louis City Insurance from us?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance™ of St Louis team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance™ of St Louis have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance® of St Louis has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.