|MJM Insurance™ of St Louis has Agents and staff who understand the unique needs of the Transportation industry, and we are here to help! Our agents and staff are trained and have extensive experience in Missouri Transportation Insurance and provide personalized insurance coverages that cater to the insurance needs of taxi, limo, Tow Trucks, Dump Trucks, and Truck Carrier transporters – from single operators to large sophisticated fleets.
MJM Insurance™ of St Louis represents many Missouri Transportation Insurance Companies. Let us do the transportation insurance shopping for you — YOU save time and money and will know that you have the insurance coverages you need. Our goal is to find the best transportation insurance coverages to meet your needs for the best price. We serve clients throughout Missouri, including Saint Louis City and County including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.
MJM Insurance™ of St Louis offers free consultations with our licensed, transportation insurance agents. They will review your liability and assets and match you up with the best insurance products to meet your needs. We will consider personal injury insurance to cover the cost of accidents and injuries involving your limousine, uninsured/underinsured motorists coverage to protect you in the event you or one of your drivers is in an accident caused by a driver who does not have enough — or any coverage to pay your damages caused by their negligence.
Missouri Limo and Taxi Cab Insurance
Taxi cab insurance is specialized because as a taxi driver, you become explicitly responsible for the safety of passengers. It is important to get commercial taxi insurance that covers your vehicle against damage, theft, and personal injury. Taxi cab insurance should also include a business interruption policy, because if your car is the only way that you earn money, and it breaks down, your income is at stake.
According to the Metropolitan Taxi Cab Commission, there are several requirements you have to meet to purchase a taxi insurance policy. A valid Missouri, class A through E, chauffeur’s license or CDL license. You must be aged between 25 and 65, and you cannot have any convictions for vehicular manslaughter, possession of weapons or drug and alcohol problems. If you are eligible for taxi cab insurance, there are various ways you can find savings and get discounts to make your coverage more affordable. As part of the Trusted Choice network, MJM Insurance of St Louis City specializes in commercial auto insurance and can shop multiple carriers to get you the best Limo and Taxi Insurance in St Louis City Missouri with the right coverage for your needs.
When our agents shop options for your Taxi and Limo Insurance St Louis City Missouri, we may be able to identify available discounts that most consumers are not aware exist. The price of your taxi or limo insurance premiums will vary depending on driving experience, personal circumstances and any extra coverage you need. Here are a few items our agents will discuss with you that might help you lower your premiums:
Previous commercial vehicle owners may be considered for a discount based off the driver’s experience using a business vehicle.
Taxi insurance companies may offer you a considerable discount if you own a home, this is true in many insurance cases.
Married drivers can get cheaper insurance for the same reason as home owners.
Executive/Limo drivers are low risk alternatives to driving a taxi.
To learn more about our Missouri Taxi Cab and Limo Livery Insurance visit MJM Insurance of St Louis City Taxi & Limo Livery Insurance.
Missouri Trucking Insurance
MJM Insurance™ of St Louis is a leader in providing all-inclusive programs for Trucking Insurance in Missouri. Our licensed agents have more than 60 years combined experience with liability, physical damage, garage liability, motor truck cargo, workers compensation and other transportation livery insurance coverages. 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, our experienced agents with MJM Insurance™ of St Louis can help you protect your source of revenue, with coverages designed for professional truck operators.
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.
Our agents are dedicated to providing specialized insurance solutions and services that are backed by decades of transportation experience. We conduct a comprehensive review of your insurance needs to create a customized insurance package that protects the owner-operator and the trucking company. Looking at the big picture, and 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. 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 a business owner, you want to be sure to get the best value for your money. Trucking Insurance in Missouri can be more affordable because trucking insurance companies offer special savings based on reduced risk factors. 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.
MJM 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.
To learn more about our Missouri Trucking Insurance visit MJM Insurance™ of St Louis Trucking Insurance.
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.
We’ll Shop Your Tow Truck Insurance in St Louis Missouri for You!
In summary, MJM Insurance™ of St Louis not only has the experience you need to manage large and small fleet Missouri transportation insurance, but also have exclusive relationships with the transportation insurance carriers we write policies through. These relationships allow us to quote and bind policies at our office which means faster service for you. MJM Insurance™ of St Louis works with our transportation clients to manage potential losses, before they occur. Let us assess your transportation insurance needs and do the shopping for you — you save time and money!
For more information and to speak with one of our experienced, transportation insurance agents, please feel free to call the office between Monday and Friday from 9am to 5pm. (314) 645-2100 OR click here to contact us.