There Could Be Severe Consequences Without The Right Protection
MJM 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.
Whether you drive tractor trailers, box trucks, or flatbeds, if you depend on your vehicle to operate your business, MJM Insurance of St Louis City can help you protect your source of income 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.
Our agents are dedicated to providing specialized insurance solutions and services that are backed by decades of niche transportation experience. We conduct a complete risk analysis and review your insurance needs to develop a customized insurance package that protects the owner-operator and the company.
MJM Insurance of St Louis City encourages our clients to be careful and keep a clean driving record by driving safe. A good driving record will help keep insurance premiums from increasing. Trucking Company Owners should keep records of their drivers, track the number of incidents and take the appropriate steps to reduce the number of reports. This will in turn protect your business investment, and with more affordable insurance premiums.
What would you do if you’re driving down the highway and lose a part of your load on the highway? Are you protected? Federal Motor Carrier Safety Administration (FMCSA) requires $750,000 primary liability coverage, but most brokers require one million to load you. The most common request for cargo is $100,000, but this would depend on what you’re hauling and for whom. Motor freight insurance is mandatory in all moving trucks hired to carry products abroad and covers accidents to merchandise as well as the persons hauling it.
Liability Requirements for Trucks
The minimum amount of primary liability insurance is set by the FMSCA. For trucks over 10,000 pounds GVWR you’ll need to the following minimums:
- $750,000–Most trucks hauling most commodities are required to have a minimum of $750,000 of coverage. Many load brokers will require a minimum of $1,000,000.
- $1,000,000–Auto haulers need a minimum of $1,000,000 in coverage. One million in coverage is becoming an industry standard across other hauled commodities too.
- $5,000,000–If you are hauling certain hazardous materials, you’ll need a minimum of $5,000,000 in coverage.
Commercial insurance is mandatory before any broker will sign a contract. Freight moving businesses often hire risk management advisors to enforce the motor freight insurance requirements – especially with loads that cost millions of dollars. Cargo coverage pays for damages to goods you transport for hire or when transporting your own goods. Additionally, Cargo coverage can be added to a trucker policy or purchased as a separate policy.
MJM Insurance of St Louis City knows the trucking industry and the necessity to have proper insurance coverage in place. Consult with one of our licensed agents about coverages you may need for your unique situation. We can shop multiple carriers to find the best coverage at the right price. There are optional coverages that you can add to your main policy. Additional protection includes Loading and Unloading Coverage, Refrigeration Breakdown Coverage, and Earned Freight Coverage, if you lose income from a load.
Make sure your assets are protected with general liability insurance from MJM Insurance of St Louis City. Our agents provide a complete quote for your motor freight insurance needs and will assist your company in getting the best price possible. Call an agent today and schedule your free consultation. (314) 645-2100