Cheapest Owner Operators Truck Insurance Cost Chesterfield, Missouri
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Chesterfield, Missouri. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Chesterfield, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Chesterfield, Missouri in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance 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 like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Chesterfield is a city in St. Louis County, Missouri, United States. It is a western suburb of St. Louis. As of the 2020 census, the population was 49,999, making it the state’s fourteenth-largest city. The broader valley of Chesterfield was originally referred to as “Gumbo Flats”, derived from its soil, which though very rich and silty, resembled gumbo when wet.
Present-day Chesterfield is known to have been a site of Native American inhabitation for thousands of years. A site in western Chesterfield containing artwork and carvings has been dated as 4,000 years old. A Mississippian site, dated to around the year 1000, containing the remains of what have been identified as a market and ceremonial center, is also located in modern Chesterfield.
The present-day city of Chesterfield is made up of several smaller historical communities, including:
On January 24, 1967, a violent F4 tornado ripped a 21-mile (34 km) path of destruction across St. Louis County. It was the fourth-worst tornado to hit the St. Louis metro area and the most recent F4 tornado to hit the city. The tornado developed near the Chesterfield Manor nursing home and then moved through River Bend Estates and across northeast St. Louis County.
The name “Chesterfield” was given by landowner Justus Post who arrived in Missouri in 1815 and began amassing an estate in the location of the present-day city. Post had grown up in Vermont, not far from the town of Chesterfield, New Hampshire, which sits on the border between New Hampshire and Vermont. Although Post eventually left Missouri and moved to Illinois, his chosen placename of “Chesterfield” stuck.
For many years, “Chesterfield” was an all-inclusive place-name for a vast, unincorporated sub-region of western St. Louis County (called “West County” by metro area residents) containing the unincorporated historical communities listed above, plus areas now incorporated as cities of their own (e.g., Ballwin). Police and fire protection in the community were fragmented and sporadic, the former provided by St. Louis County. As the population grew, Chesterfield Mall and other retail and commercial real estate developments sprang up; however, many residents were concerned about the lack of quality public services, and that the municipal sales tax benefited the county instead of the community.
An organization was formed calling itself the “Chesterfield Incorporation Study Committee.” Headed by its president, John A. Nuetzel (himself a former president of the River Bend Association, a zoning watchdog group), the members “passed the hat” at neighborhood meetings, engaged legal help, drew up metes and bounds, and forced several failed public votes for incorporation. After a number of years, in 1988, The City of Chesterfield was finally established by its residents, and has thrived as perhaps West County’s premier residential, business, retail, and transportation center.
On July 30, 1993, the levee that protected Gumbo Flats (now known as the Chesterfield Valley) from the Missouri River failed. This was the first time the levee had failed since 1935. The town was told to evacuate, and the whole area of Gumbo Flats was flooded by feet of water. Today, the area has become the Chesterfield Commons retail area.
Chesterfield is located approximately 25 miles (40 km) west of St. Louis. According to the United States Census Bureau, the city has a total area of 33.52 square miles (86.82 km), of which 31.78 square miles (82.31 km2) is land and 1.74 square miles (4.51 km) is water.
Portions of Chesterfield are located in the floodplain of the Missouri River, now known as Chesterfield Valley, formerly as Gumbo Flats. Here several small creeks empty into the Missouri River (Caulks Creek and Bonhomme Creek). This area was submerged during the Great Flood of 1993; higher levees built since then have led to extensive commercial development in the valley. Chesterfield Valley is the location of Spirit of St. Louis Airport, used for corporate aviation, as well as the longest outdoor strip mall in America.
According to the 2007–2011 American Community Survey estimate, the median income for a household in the city was $95,006, and the median income for a family was $88,568. Males had a median income of $94,322 versus $54,934 for females. The per capita income for the city was $51,725. About 1.7% of families and 4.0% of the population were below the poverty line, including 1.7% of those under age 18 and 3.3% of those age 65 or over.
As of the 2020 Census, there were 49,999 people and 19,209 households living in the city. The racial makeup of the city was 75.8% White, 3.2% African American, 0.2% Native American, 14.4% Asian, 1.2% other races, and 5.4% from two or more races. Hispanic or Latino of any race were 3.5% of the population.
As of the census of 2010, there were 47,484 people, 19,224 households, and 13,461 families living in the city. The population density was 1,494.1 inhabitants per square mile (576.9/km2). There were 20,393 housing units at an average density of 641.7 per square mile (247.8/km). The racial makeup of the city was 86.5% White, 2.6% African American, 0.2% Native American, 8.6% Asian, 0.7% from other races, and 1.4% from two or more races. Hispanic or Latino of any race were 2.8% of the population.
There were 19,224 households, of which 29.3% had children under the age of 18 living with them, 62.2% were married couples living together, 5.9% had a female householder with no husband present, 2.0% had a male householder with no wife present, and 30.0% were non-families. 26.1% of all households were made up of individuals, and 11.6% had someone living alone who was 65 years of age or older. The average household size was 2.42 and the average family size was 2.94.
The median age in the city was 46.6 years. 22.3% of residents were under the age of 18; 5.7% were between the ages of 18 and 24; 19.5% were from 25 to 44; 32.5% were from 45 to 64; and 20.1% were 65 years of age or older. The gender makeup of the city was 47.8% male and 52.2% female.
As of the census of 2000, there were 46,802 people, 18,060 households, and 13,111 families living in the city. The population density was 1,485.4 inhabitants per square mile (573.5/km2). There were 18,738 housing units at an average density of 594.7 per square mile (229.6/km). The racial makeup of the city was 92.30% White, 0.86% African American, 0.12% Native American, 5.56% Asian, 0.02% Pacific Islander, 0.39% from other races, and 0.74% from two or more races. Hispanic or Latino of any race were 1.55% of the population.
There were 18,060 households, out of which 33.2% had children under the age of 18 living with them, 65.5% were married couples living together, 5.4% had a female householder with no husband present, and 27.4% were non-families. 23.6% of all households were made up of individuals, and 8.8% had someone living alone who was 65 years of age or older. The average household size was 2.53 and the average family size was 3.03.
In the city the population was spread out, with 24.6% under the age of 18, 5.9% from 18 to 24, 25.0% from 25 to 44, 29.7% from 45 to 64, and 14.7% who were 65 years of age or older. The median age was 42 years. For every 100 females, there were 91.6 males. For every 100 females age 18 and over, there were 88.2 males.
Reinsurance Group of America, Dierbergs, Kellwood, Amdocs, Aegion and Broadstripe have their headquarters in Chesterfield. Chesterfield has three malls, two of which are outlet malls as well as a strip mall called the Chesterfield Commons.
According to the City’s 2013 Comprehensive Annual Financial Report, the top employers in the city are:
St. Louis County Library Samuel C. Sachs Branch is in Chesterfield.
Faust Park contains a playground, historical village, walking trail, carousel, and The Butterfly House, which opened in 1998. A nearby cement butterfly sculpture by Bob Cassilly was dedicated in 1999.
Recreation facilities in Chesterfield include Chesterfield Amphitheater, Chesterfield Valley Athletic Complex, and Chesterfield Family Aquatic Center.
Rockwood School District serves the western portions of the city, and Parkway School District serves the east. District schools located in Chesterfield include:
There are four private elementary schools: Chesterfield Day School, Chesterfield Montessori School, Ascension School, and Incarnate Word School. Barat Academy is a private high school.[citation needed]
Logan College of Chiropractic offers undergraduate and graduate level courses on Chiropractic, Pre-Chiropractic, Sport Science and Rehabilitation medicine.
Interstate 64 (locally referred to as “Highway 40”) runs East-West through Chesterfield. There are seven exits serving the city (numbers 14-21). Missouri Route 340 (a.k.a., Olive Blvd.) runs on East-West through much of Chesterfield, before turning Southwest near the I-64 Interchange; its name changes to Clarkson Road south of this junction. Missouri Route 141 runs along the eastern border between Chesterfield and Town and Country. Route 141’s northern terminus was, until recently, located in Chesterfield at Olive Blvd. The Missouri Department of Transportation (MoDOT) and St. Louis County Department of Highways and Traffic (DHT) began construction of Route 141 in Chesterfield in 2009. MoDOT expanded Route 141 between just south of Ladue Road (Route AB) to Olive Boulevard (Route 340). DHT extends Route 141 from Olive Road to the Page Avenue Extension (Route 364) at the Maryland Heights Expressway.
Public transportation is provided by Metro and connects Chesterfield to many other portions of Greater St. Louis by numerous bus routes.
Spirit of St. Louis Airport is located in the Chesterfield Valley; the airport is owned by St. Louis County.
Central Midland Railway (CMR), a division of Progressive Rail Inc. of Minnesota, provides regular freight rail service to industrial customers located in the Chesterfield Valley. CMR operates the far eastern segment of the former Chicago, Rock Island and Pacific Railway’s St. Louis to Kansas City main line that was constructed in 1870. The active portion of the former CRI&P line runs from the north side of St. Louis, where it connects with the Terminal Railroad Association of St. Louis and Union Pacific Railroad, and now terminates in Union, Missouri. A primary rail customer in Chesterfield is a RockTenn (formerly Smurfit Stone) corrugated packaging plant which is located on a spur track that extends from the main track northward along the east end of the runway of the Spirit of St. Louis Airport. RockTenn typically receives inbound shipments of corrugated paper.