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Auto Insurance Quote St Louis Missouri​

MJM Insurance of St Louis Missouri Enhances Insurance Quote Automation for Buyers

Instant Auto Insurance Quote | MJM Ins of St Louis City | (314) 645-2100Through a new auto insurance quote engine on our website, MJM Insurance of St Louis now offers the ” Auto Insurance Quote St Louis Missouri​ ” platform.  This platform provides instant auto insurance quotes from multiple carriers.  As an Independent Insurance Agency, our licensed insurance agents have access to more than 15 different personal and commercial line insurance carriers.  This new system makes shopping for insurance easier for the consumer.

Missouri Residents click here for direct access
to the new automated quoting system!

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Alternatives Insurance of St Louis City is Now MJM Insurance of St Louis

Channel 12 News - MJM Insurance of St Louis City (314) 645-2100 MJM Insurance of St Louis - Auto Insurance, Home Insurance (314) 645-2100

READ THE FULL ARTICLE AS PUBLISHED ON CHANNEL 12 NEWS

Marc Majnerich, co-founder of Alternatives Insurance Group, is re-branding Alternatives Insurance of St Louis City to MJM Insurance of St Louis. Alternatives Insurance of St Louis City opened in 2002 as a full service independent insurance agency and a corporate location member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. MJM Insurance as a whole, is the single largest annual net written premium volume agency of the Alternatives Insurance Group.

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St Louis MO Auto Insurance Quote

Valuable Protection at Your Speed and Budget

St Louis MO Auto Insurance Quote by MJM Insurance of St LouisMany of us are chasing time, where does it go?! We’re busy with work, picking up the kids, grocery shopping, and so on. When we sit down to pay the bills – we wonder where all the money has gone! MJM Insurance of St Louis can help you save time and money with our new online quoting system. In about 2 or 3 minutes our automated system will calculate your St Louis MO Auto Insurance Quote!

With this awesome software, you’re able to save time and find that you might be able to save money!   Our agents proudly represent many of the industry’s leading insurance carriers so we can offer you competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

After you process your quick quote, one of our agents will be in contact to help speed the process along.  Auto Insurance is not just a simple commodity, there are many factors to take into consideration and understand all of them can be overwhelming when making a decision about what car insurance policy and features are best for you.  Buying just any policy without fully understanding your risk and coverage needs could be a very costly mistake.  So, with your information, we take the shopping to the next level and finalize the coverages, and price that best meets your needs.  We will shop your auto insurance for you and save you time.  It does not cost more to have our professional assistance—we are likely to find the best coverage to meet your needs for a lower cost by shopping many top-rated companies.

St Louis MO Auto Insurance Quote

Auto Insurance prices vary for each individual, family, college student, professional, homeowner, etc. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault.  Prices will also vary depending on where the driver lives.  A person who lives in a major city such as St Louis, will pay more than someone who lives in a small town, despite the two having the same driving records.  

St Louis MO Auto Insurance Quote by MJM Insurance of St Louis by MJM Insurance of St LouisMJM Insurance of St Louis is a full service independent insurance agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the St Louis Missouri insurance industry, our agents are knowledgeable and competent specializing in Missouri Auto Insurance, Home Insurance,  Renters Insurance, Business Insurance, Workers Compensation Insurance, boat and motorcycle insurance.

You can trust that our agents have strong credentials and stay on top of current trends in the insurance industry.  We maintain relationships with insurance carriers, that allow us to provide quick turnaround time on all your questions, needs, and insurance claims.  

MJM Insurance of St Louis is committed to outstanding customer service.  We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs. Our professional agents can handle your transactions with ease and help you understand your risks, the proper coverage, and benefits. 

Our staff members are trained to be proactive and provide the right answers, helping you understand your auto insurance coverages. Most importantly, we will earn your trust by becoming your partner. 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.


Why Choose MJM Insurance of St Louis

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.

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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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.