Posts

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!

Read more

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.

Read more

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 Coverages

Missouri Auto Insurance Coverages, What They Mean For You

Missouri Auto Insurance Coverages is protection from damage to a vehicle(s) and bodily injury resulting from an auto accident. Insurance can cover a variety of instances depending on the kind of auto insurance policy that has been purchased.

 

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100Missouri Auto Insurance Coverages – Liability

Liability Coverage protects the other person(s) involved with an accident that is your fault.  Liability coverages include Bodily Injury Per Person, Bodily Injury Per Accident, Property Damage and Uninsured Motorists Coverage.

Let’s say for example, you have 50/100/50.  $50,000 is for Bodily Injury, Per Person.  If you should have an accident and a person was severely injured and incurred $75,000 in medical bills, your insurance will only cover $50,000.  $100,000 covers the Total Bodily Injury Per Accident.  This is used when multiple people are injured in the same accident.  So if you’re involved in an at-fault accident and 5 people are severely injured, your insurance will only pay $100,000 total.

Uninsured/Underinsured Motorist Coverage

This coverage is for bodily injury at the same minimums as those listed for liability coverage. Using the example above, the Uninsured/Underinsured Motorist Coverage would be $50,000. This amount protects you if you’re in a car accident and the other driver is at fault – and that driver has minimum liability limits or doesn’t have car insurance! This coverage also provides insurance for injury-related medical expenses and costs associated with repairing damage to your car.

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100“Although purchasing only the minimum State required Bodily Injury Insurance limits can get you a cheaper auto insurance rate, if you cause a serious accident, you are likely to have inadequate coverage due to the price of cheap insurance.  Many vehicles today have a much higher value than the Missouri minimum Property Damage Liability limits of $10,000.  You would be responsible for any amount of property damage over the minimum limits, if that is the coverage you purchased.  Multiple persons with severe injuries can each have damages of hundreds of thousands of dollars or more.  That’s why it is important to buy more than the Missouri minimum Bodily Injury Insurance limits.”

Missouri Auto Insurance Coverages – Comprehensive & Collision

Many people refer to Comprehensive and Collision Insurance as “full coverage”.  The correct term is “comprehensive and collision”.  Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about it — when you cause an accident, what is your first thought after you see the damage done to your vehicle?  If you have liability coverage only, you could be left to pay for your own damages out of your pocket.

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100Comprehensive Insurance Coverages
Comprehensive will help cover costs of damage to your vehicle that result from an event that is not an accident, such as severe weather or fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage.

Collision Insurance Coverage

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100

Photo Source: wikimedia.org

Collision Coverage pays for damages to your vehicle after a collision with another car or object.  There are other additions you can add to your policy and we will review them with you.  Those are Medical payments, Rental car reimbursement, Emergency roadside assistance and more.

Medical Coverage

Medical coverage is an important auto insurance coverage. Also known as Med Pay, medical car insurance covers the costs (up to a limit) for injuries that you, or your passengers may have when riding in and while loading or unloading the vehicle.  You and your family may be covered as a pedestrian also.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) coverage is an extended form of MedPay. PIP may cover expenses that are related to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, you may not need to buy more than the minimum required amount of PIP or MedPay insurance–enough to cover your health insurance deductible or other out-or-pocket expenses such as co-pays.

Missouri Auto Insurance – Optional Coverages

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100

Photo Source: wikimedia.org

There are many optional auto insurance coverages, and some may qualify you for additional auto insurance discounts.  These coverages include Glass Breakage Coverage, Emergency Roadside Assistance Protection, Rental Reimbursement Coverage and GAP Insurance coverage.

You can learn more about these coverage types, and additional coverages by visiting our Auto Insurance page, and by reading the Bodily Injury and Property Damage Coverage pages in your policy.

The Premium

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are typically higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums as well. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

The Deductible

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Missouri Auto Insurance Coverages – Friendly Reminders

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100You may be asked for proof of insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.

You should never drive without Missouri auto insurance.  Any violations of state law regarding auto insurance could result in a hefty fine, suspension of your driver’s license, and possibly time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished–not to mention and increase in the cost of insurance for 3 to 5 years.

Visit the Missouri Division of Motor Vehicle website to learn more about Missouri Auto Insurance Coverages.

We Can Help!

MJM Insurance of St. Louis City agents can help consumers with questions about Missouri Auto Insurance Coverages, to insure consumers understand what coverages may best meet their needs and we shop multiple carriers to get you the best price.  Consumers can get a quick auto insurance quote anytime during regular business hours and have access to professional insurance agents who will help them make an informative decision and avoid potential risks.

To better understand your Missouri Auto Insurance Coverages, our agents take the time to sit down with you and review your existing policy and help you identify risks, or sometimes, if you are over insured.  Yes, some people are paying too much for their auto insurance!

MJM Insurance of St. Louis City is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  The company opened in 2002 as a full service Independent Insurance Agency and proud corporate member of MJM Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. The licensed producers have a combined 60+ years of experience and are dedicated to providing every client with products tailored to fit their individual needs.

Get a free auto insurance quote by clicking here or calling our office (314) 645-2100.

 

Missouri Auto Insurance | Uninsured Motorist Coverage is Required By Law

Uninsured Motorist Coverage Protects Drivers Against Negligent Drivers Who May Not Have Insurance

Make sure you have the right protection in place. Contact on of our agents for a free Missouri Auto Insurance review and we’ll help you understand your policy and insurance coverages.  (314) 645-2100

Check out this short video for more information!

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

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.

Read more

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.

Read more