Protecting Your Cargo
MJM 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