Dump Truck Insurance in St Louis Missouri

MJM Insurance of St Louis City Professionals Can Shop Your Insurance For You!

Dump Truck Insurance in St Louis Missouri | MJM Insurance of St Louis City | (314) 645-2100Commercial vehicle insurance is required by law in Missouri.  Dump Truck Insurance in St Louis Missouri is your company’s most valuable asset.  Protect yourself from losing your livelihood!  If you use a dump truck in St Louis City Missouri, to haul asphalt, sand, salt or remove construction debris, you need Dump Truck Insurance in St Louis City Missouri. Depending on what you haul, you may need specialized as well.

Missouri dump truck insurance coverages may vary among Insurance Carriers, so it is important that you work with an Agent that represents multiple, top-rated Transportation Insurance Companies.

MJM Insurance of St Louis City is a full service insurance agency that has  years of experience with Missouri Dump Truck Insurance. Our connections with some of the leading Missouri dump truck insurance carriers allows us to provide the coverages your business needs.

Our insurance agents will shop your Missouri dump truck insurance for our clients, so Dump Truck owners and operators save time from searching, and get on the road!   MJM Insurance of St Louis City works with dump truck private contractors, those who owns a single dump truck, and business owners who own a full fleet of heavy-duty commercial hauling vehicles.  We work with our carriers to insure Super Dump Trucks, Heavy Duty Haulers, Salt, Sand and Gravel Trucks, Six and Ten Wheelers, and more.

Dump Truck Insurance Cost can vary based on a number of factors that the Department of Insurance considers.  Dump Truck Insurance in St Louis Missouri | MJM Insurance of St Louis City | (314) 645-2100These include:

The dump truck itself, what you’re hauling, where you’re hauling it, the driving records of whomever is driving the dump truck, personal items anyone may be carrying in the cab, and
the length of time a driver has been operating the type of dump truck they want to insure.

If you’re hauling hazardous materials, chemicals or explosives, it will increase your dump truck insurance premium. And if you haul aggregate, we recommend sand and gravel haulers insurance, too.

Dump truck drivers should have at least the mandatory coverage required to operate commercial vehicles.  The basic policy should include bodily injury and property damage liability coverage amounts required by Missouri law.

Individually owned trucks or corporate vehicles that are used on the roads and highways of the United States are required to carry commercial truck insurance if they are used for hauling cargo for reasons of commerce. This type of policy is perfect for dump trucks, car haulers, logging trucks, fleets of small vans, refrigerated trucks, and flat bed semi-trucks.

Federal Liability Limit Minimums for Commercial Vehicles

Freights – $750,000 to $5,000,000; depending on what is being transported
Vehicles weighing less than 10,001 lbs. – $300,000; transporting non-hazardous freight
Passenger vehicles – $5,000,000
Passenger vehicles with a seating capacity of 15 passengers or fewer – $1,500,000
Our agents will examine your business needs and customize a Missouri Dump Truck Insurance commercial vehicle policy that best protects your business from risk.  There are several types of dump truck insurance coverages to consider. Some of which our agents will discuss with you are listed below:


MJM Insurance of St Louis City goes above and beyond most insurance agencies.  We know Dump truck owners are required to have a financial responsibility filing that shows proof they are properly insured to protect them and other drivers from high-risk situations.  Our agents  have the knowledge to assist drivers with the state and federal commercial auto insurance filings and will be happy to process the required state filings on your behalf.

Contact one of our licensed insurance agents to schedule a free insurance evaluation or call now (314) 645-2100

Tow Truck Insurance in St Louis Missouri

We Will Shop Your Tow Truck Insurance in St Louis Missouri for You!

Tow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100MJM Insurance of St Louis City helps business owners with their transportation insurance needs.  Our licensed agents have the knowledge that is needed to help to truck owners and operators understand the different options, and requirements, for Tow Truck Insurance in St Louis Missouri.  We work with a variety of towing service companies throughout the St Louis area including Saint Louis and Jefferson counties, Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.

Tow truck service companies and individual owner operators MUST carry tow truck insurance. Failure to keep the minimum insurance requirements on your tow truck could result in fines and/or you could have your commercial driver’s license suspended.  Our agents can help you get on track so you do not risk losing your livelihood.  As a your partner, it is important to make certain you and your business are protected if there should be an accident.

For current business owner and operators, our agents will begin by reviewing your existing policy and assess any potential risks.  A Tow Truck Insurance policy should include the standard forms of liability insurance that all motor vehicle owners are required to carry by Missouri law.  Those insurance coverages include Bodily Injury – in case you cause an accident, Property Damage covers your legal responsibility for damages, Fire and Theft Coverage, Collision and Comprehensive Coverage and Uninsured/Underinsured Motorist Coverage.

Let’s use this scenario for example:

Employee #1, a 42-year-old male, tow truck driver had loaded a disabled vehicle onto a flatbed truck by pulling the car onto the bed via the truck winch. When the employee attempted to disengage the vehicle from the winch, the steel cable snapped and the vehicle fell down onto the bed. The employee’s left arm was struck and fractured by the vehicle’s right front tire as the vehicle fell. The employee was transported to a local hospital, where he underwent surgery for a fractured left forearm.

Employee #1 is a direct employee of the employer who operates a vehicle towing service.  Who do you think is responsible for the medical bills in this case?  What if the employee is out of work for an extensive period of time?  As for the property, who will pay for the vehicle that was damaged when it fell from the winch. Who is liable for the cable that snapped?

The answer to these questions are what business owners need to understand, not just in the short scheme of things.  As your agent we look at the overall big picture.  There is much more risk to owning and operating a tow truck business than most realize.

If a business has employees, it is the law to carry worker’s compensation insurance.  Worker’s Compensation Insurance will protect you and your employees. The inability of an employer to meet financial obligations of work-related injuries will directly impact the entire financial stability of the company.

Missouri tow truck insurance coverage options vary among Insurance Carriers, so it is important that you work with a licensed agent that represents multiple, top-rated Transportation Insurance Companies.  With access to multiple carriers, MJM Insurance of St Louis City can customize your Business Auto and Legal Liability policies to fit your Towing Service business needs.

Our agents can help you identify specialized coverages
that your business may require.

 

On-Hook Towing InsuranceTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100
This coverage will help pay for damages to vehicles you are towing.  The on-hook coverage is generally provided by the garage keepers’ legal liability (GKLL) endorsement (see below). The GKLL limit is a blanket limit that applies to all towing vehicles on the policy.

 

Garage Keepers Legal Liability InsuranceTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100

This will cover vehicles you are storing for clients.  The GLL insurance is usually provided as an automatic endorsement that is added to the Business Auto coverage. This liability coverage covers loss of, or physical damage to vehicles being towed, and while in your care, custody, or control and is designed for towing and wrecker service businesses.  As mentioned above, the on-hook coverage of garage keepers’ legal liability insurance provides coverage for a non-owned vehicle that you are towing.

 

Motor Truck Cargo InsuranceTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100

Motor Truck Cargo insurance is provided via an endorsement to insure items other than motor vehicles licensed for road use.  This coverage provides legal liability for towing companies while transporting property (cargo) of others.  Since the towing operator is seen as a common carrier, they are responsible for the safe delivery of the goods they are transporting (customer’s vehicles and the contents of the vehicle), and thus owe a very high degree of care to their customer.

 

Business Income & Extra Expense InsuranceTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100

Business income insurance & expense coverages will reimburse your towing business for loss of income and profits if your property is damaged from a covered peril and out-of-service.  The coverage continues until the property can be restored or replaced, or until the limit has been reached. The extra expense coverage includes extra expenses that business must make during the time of loss such as rent, mortgage payments, taxes, and utility services.

 

Miscellaneous Property FloaterTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100

A miscellaneous property floater covers your business personal property that is in transit such as tools and other cargo that you have in your tow truck. This coverage will protect against risks of direct physical loss or damage to your scheduled covered property.

 

 

MJM Insurance of St Louis City is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  Our agents go above and beyond just insurance – we help our clients understand the options available to protect their investment … and we work to earn the trust of our clients.

Contact us today for a free evaluation of your current policy.

 


 Tow Truck Commercial Insurance Filings

Because the transportation industry requires different trucking operations to file different documentation, our agents are here to help our clients with the State and Federal Transportation Insurance Filing Forms including those listed below.

Before diving into the different requirements, understanding the following definitions may help you get a clearer picture of these requirements:

  • Motor carrier – A company that transports passengers or property for compensation.
  • Freight forwarder – An individual or entity that provides transportation of property AND:
    • Assembles and consolidates shipments and performs distribution operations of the shipments.
    • Assumes responsibility for the transportation from the place of receipt to the place of destination.
    • Uses a rail, motor carrier, or water carrier for any part of the transportation.
  • Freight broker – An individual or company that arranges transportation of property by a motor carrier.

 

Federal & Intrastate Truck Filings and Forms

BMC-32 filing   |   BMC-34 filing   |   BMC-91 & BMC-91X filing   |   MCS-90 form   

Form E filing   |   Form F filing   |   Form H filing   |   Form K filing

 


Tow Truck Insurance Resources

 Federal Motor Carrier Safety Administration    |    www.fmcsa.dot.gov

US Department of Transportation    |    www.dot.gov

The National Transportation Safety Board    |    www.ntsb.gov

Directory of State Patrol and State Police    |    https://www.statetroopersdirectory.com

Missouri State DOTs and MVRs    |    www.modot.org     www.dor.mo.gov/mvdl

Tow Truck Insurance Chesterfield Missouri | MJM Insurance of Chesterfield | (636) 449-1213

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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