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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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Auto Insurance, Home Insurance, Business Insurance

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

MJM Insurance of St Louis now offers more competitive products and solutions for Missouri consumers, including Missouri Auto Insurance, Home Insurance, Business Insurance and Life Insurance.

Contact MJM Insurance of St Louis for more information (314) 645-2100 and click the image below to read the full article!

 

MJM Insurance of St Louis | Auto Insurance, Home Insurance, Business Insurance, Life Insurance | (314) 645-2100

 

The following article was published on a variety of networks including ABC, Fox and NBC. It has also been syndicated to news RSS feeds and announced within the most popular newsdesk databases.

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.

“Less is more” is the idea of the re-brand design concept. Less relates to narrowing down the available insurance products to a handful of key partners. More relates to reducing the number of carriers is a value-added benefit in that the agents and staff members are able to stay on top of current trends, stay educated and up to date on all represented carrier partner underwriter practices for each carrier that is represented by MJM Insurance of St Louis.

MJM Insurance of St Louis offers competitive products and solutions for business owners, including Missouri insurance products and risk management services from commercial property and casualty to insurance education and risk prevention resources. Consumer personal insurance products and risk valuation services are part of the full service solutions now offered by the MJM Insurance Group as a whole.

In addition to the new brand and eye catching design, MJM Insurance of St Louis has incorporated a customized Client Portal that allows clients to access basic policy information, quick link to the carriers and their insurance documents anytime. MJM Insurance of St Louis also offers a web based quote engine for Missouri consumers looking for instant personal lines quotes from Safeco, Travelers, The Hartford, Progressive, EMC, MetLife and several other A+ carriers. “Our use of technology allows us to have fewer staff members yet still provide the highest quality efficiency and properly service to our clients.”, reports Marc Majnerich, owner of MJM Insurance of St Louis.

“Get instant quotes or policy access, anywhere, anytime, any device. Over the next few years, I plan on reaching out to strong regional insurance carriers in order to fill voids. I think offering quality products to consumers which prefer buying from local independents and regional insurance carriers will become more and more common. Buying power will be shifting from baby boomers to millennials, and our goal to be prepared to communicate and offer technology based features as well as allow clients to dial our direct extensions with the push of a button or clicking their mouse. The new world of consumers simply want direct contact immediately or elect to no contact at all.”, says Marc Majnerich of MJM Insurance of St Louis.

MJM Insurance of St Louis City serves all of Saint Louis, Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton Missouri. MJM Insurance of St Louis is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.

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.

Missouri Auto Insurance Education

How Insurance Works, Premiums and Deductibles

Missouri Auto Insurance Education | MJM Insurance of St Louis City |  (314) 645-2100 MJM Insurance of St. Louis City is not just an insurance agency, we care about our clients’ well-being and take the time to help our clients understand Missouri Auto Insurance and build a long-term, trusting relationship. We provide the tools and resources necessary for consumers to receive the proper Missouri Auto Insurance Education.  Helping you understand your policy is our duty as a Trusted Choice Agent.

As part of our Missouri Auto Insurance Education, we have included the basic information about your auto insurance policy. Our agents offer a free review of your policy to determine if you have the proper coverages, terms, limits, conditions, and exclusions.

The Missouri Auto Insurance Policy

An insurance policy is a contract between a policy holder and an insurance company.  All policies are unilateral in that the policy holder pays the insurance company a premium. The purpose of an auto insurance policy is to make one whole, or return the policy holder back to their original condition prior to a covered financial loss.  For example: you own a 2015 vehicle with actual cash value of $20,000 and the car was totaled by a covered peril.  The recovery amount is limited to the amount of the actual loss incurred, and not the actual cash value – or replacement cost less depreciation.

Auto Insurance Laws in Missouri

Missouri law requires motorists to have auto insurance.  No owner of a motor vehicle registered in Missouri may operate, register, or maintain registration of a motor vehicle, or permit another person to operate the vehicle, unless the owner maintains the required liability coverage.

* Proof of insurance must be carried in the insured motor vehicle at all times. *

Missouri law requires all drivers to carry at least state minimum – in the amount of $25,000 because of bodily injury to or death of 1 person in any 1 accident and, subject to the limit for 1 person, $50,000 because of bodily injury to or death of 2 or more persons in any 1 accident, and $10,000 because of injury to or destruction of property of others in any 1 accident.

Auto Insurance Policy 

There are 6 parts to your auto insurance policy and our professional agents can help you determine the best coverages you need for your situation with a price that meets your budget.  We have access to multiple carriers – so let us shop your insurance for you!  Consider this: if you have 2 teenage drivers on your policy and own a $500,000 home – our agents would recommend enough coverage for a loss up to $500,000 so that your mortgage is covered in case of loss.

Liability Insurance protects you, the insured/policy holder, against a claim made by another party, and covers the insured’s legal responsibility to body and property damage.Missouri Auto Insurance Education | MJM Insurance of St Louis City |  (314) 645-2100

  • Bodily injury liability (BI) insurance covers you if you cause an accident in which someone else is injured. Your policy is designed to pay claims for each person injured in an accident, and limits the total paid per occurrence.
  • Property damage liability (PD) insurance covers you when you damage someone else’s property. For example, your property damage will pay out when you are at fault for an accident that causes damage to someone else’s car.
  • Collision insurance pays for damage to your car if you run into another object. This coverage is not required by law, although your bank may require it if you have a lien on your car. This is commonly known as “full coverage”.
  • Comprehensive insurance covers you in case your car is damaged other than a collision. The covered perils include hail, fire, theft, flood, earthquake, explosion, falling objects, and encounters with wildlife, such as deer. Comprehensive is optional coverage and you may choose your deductible amount.
  • Uninsured/Underinsured motorist (UM/UIM) insurance covers your expenses when you are hit by a driver who does not carry adequate, if any, auto insurance. Our agents always recommend carrying uninsured/underinsured motorist insurance so that you are not left with a financial loss because of someone else’s negligence to carry auto insurance.
  • Medical insurance coverage (Med Pay/MPC) acts as primary coverage for medical expenses you and your passengers incur if injured in a motor vehicle accident, regardless who’s at fault. Med pay can help you pay your bills as soon as they are incurred.

Cost of Missouri Auto Insurance

Insurance premiums are determined by the statistics of a large group of people who share the same risk. Many factors can affect your premium, and they all help determine how likely you are to have an accident. Click here for more information from the Insurance Information Institute.  Some of the factors that will be used to determine the cost of insurance can include your credit score, driving history, motor vehicle report, the type of car you drive, etc.  Insurance companies obtain the ratio of exposure by analyzing industry trends and driver statistics.  For example: if you live in an area where the average age of drivers is 55 years and they have decent driving records; the risk is slim, therefore calculating a lower premium.  It’s not that simple, but you get the idea.

Missouri Auto Insurance Deductibles

A deductible for an auto insurance policy is the amount of money you agree to pay for damages before the insurance company provides payment towards the damage/loss.  Choosing a higher deductible means there is less risk of a payout for the insurance company, and so you may pay smaller premiums.  MJM Insurance of St. Louis City can help you make an informed decision on how to choose your deductible. Everyone’s situation is different and we understand some may be able to afford a larger deductible, others may not.

 

Contact one of our professional agents to schedule a free auto policy review and we’ll make certain you have the best coverage at the best price! (314) 645-2100


Missouri Auto Insurance Resourceshttp://insurance.mo.gov/consumers/auto/documents/AutoGuide.pdf

 

 

 

 

 

 

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.

Insurance Agency St Louis Missouri

Finding Best Insurance Agency That Meets Your Needs

Insurance Agency St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100If you have been searching online for “Insurance Agency St Louis Missouri” and are ready to take the next step, consider speaking with our professional agents with MJM Insurance® of St Louis City insurance agency. You may have seen the terms independent insurance agencies, captive agencies. and so forth.  We are going to explain the difference, and why you should visit the independent insurance agency – MJM Insurance® of St Louis City.

When you are searching for “Insurance Agency St Louis Missouri” remember to select an agency with agents who have been licensed for longer than a few years–our agent staff has a combined experience of over 60 years in the insurance industry–they are knowledgeable and competent.  Our agency requires all staff to maintain their credentials so we are always up to date on the many changes within the insurance industry.  It is imperative to select an agency with up to date license. The Missouri Department of Insurance explains the agency requirements. Our agents’ license is proof they we have passed state examinations that require a thorough understanding of insurance policies and practices.  Rest assured, MJM Insurance® of St Louis City insurance agency upholds to these standards.

Our agents at MJM Insurance® of St Louis City insurance agency will inform you about the types of policies available and how you can best protect yourself. We are available 24-hours a day to assist you with any concerns you may have, filing claims and making sure your claims are settled promptly and fairly.

MJM Insurance® of St Louis City is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines Insurance Agency St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100insurance carriers.  We assess risks and shop for companies to find the best coverage for the lowest price. With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boat, motorcycle, business automobile, workers compensation, and general liability.

We serve all of Saint Louis City and County including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.  Our professional insurance agents at MJM Insurance® of St Louis City can help you get the best value for your fundamental insurance needs.

The next step is to determine what type of services you need that your agency can offer.  Are you just looking for auto insurance?  Did you consider renters insurance or a homeowners policy?  Our agency can shop many carriers for you and get you the best rate, with combined policy discounts.  Is that not the type of agency you want to hire for your insurance needs?  Keep in mind that one advantage of working with a single agent for all of your insurance needs may be that any gaps in your coverage will be readily identified.

MJM Insurance® of St Louis City will:

  • Take time to clearly explain your policies and coverage.
  • Review your insurance needs annually to see that your policies are adjusted to changing circumstances.
  • Examine your overall insurance picture when you are considering additional coverage.
  • Explain how your premium rates are determined, and suggest ways you can save money on your auto insurance.

MJM Insurance® of St Louis City promise:

  • Give you excellent service and competitive prices, because agents can access the insurance coverage from multiple companies;
  • Assists you when you have a claim;
  • Is your consultant, working with you to help explain the different types of insurance and determining your unique needs;
  • Offers you a choice of insurance plans and programs;
  • Is a “value hunter,” who looks after your pocketbook in finding the best combination of price, coverage and service;
  • Offers one-stop shopping for a full range of products, such as home, renters, auto, and business insurance; and
  • Can periodically review your coverage to keep it current.

One stop shopping — home, auto, boat, life, health

  • Premium discounts for multiple policies
  • Only one agent to deal with for all claims
  • Coverage limits should be consistent across your policies
  • Any gaps in coverage should be identified and filled

As your independent agent, our job is to help you select the best coverage and limits and with the most competitive premiums from a variety of the insurance companies we represent.  MJM Insurance® of St Louis City is committed to the Trusted Choice® Pledge and we pride ourselves on the fact our clients trust the staff and licensed agents of our firm. Year after year, our team continues to review, improve, and renew our products about the agency; in addition to maintaining relationships with our valued carrier partners.  Our exceptional efforts and commitment ensure our clients’ fundamental insurance needs are met completely, competitively, proudly and locally by the staff at MJM Insurance® of St Louis City.

So If you have been searching online for “Insurance Agency St Louis Missouri” and are ready to take the next step, consider speaking with our professional agents with MJM Insurance® of St Louis City insurance agency.  Call (314) 645-2100.