Cheapest Owner Operators Truck Insurance Cost Gladstone, Missouri
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Gladstone, 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 Gladstone, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Gladstone, 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.
Gladstone is a city in Clay County, Missouri, United States and a suburb of Kansas City. The City of Gladstone is located about 10–20 minutes from downtown Kansas City, and about 10–20 minutes from Kansas City International Airport. As of the 2020 census, the city population was 27,063. It is part of the Kansas City metropolitan area.
Settled as the area of Linden, Gladstone formally incorporated under the Missouri Constitution by popular vote in November 1952. The purpose of formation was to avoid being annexed by Kansas City.
A remnant of the mesic forested land on which Gladstone is built is preserved as the Maple Woods Natural Area, a park within Gladstone that is a National Natural Landmark. The Atkins-Johnson Farmhouse Property was listed on the National Register of Historic Places in 2007.
Under state statute, Gladstone is a city of the third class. It has a council-manager form of government. The City Council consists of five members popularly elected every three years, with staggered terms in office. The mayor presides over council meetings, appoints members to resident boards and commissions, meets with constituents, and signs ordinances, resolutions, contracts, and agreements authorized by the council. The City Manager administers city operations and implements policies set by the City Council.
According to the United States Census Bureau, the city has a total area of 8.06 square miles (20.88 km), of which 8.05 square miles (20.85 km2) is land and 0.01 square miles (0.03 km) is water.
The city is connected to nearby North Kansas City and Kansas City proper by Routes 1 and 283 as well as nearby U.S. Route 169, which sits less than one mile from the city’s western border. I-29 runs near the city’s southernmost tip shortly after its initial break from I-35. A handful of small subdivisions maintain independent municipalities along North Oak Trafficway, a road which is host to much of the area’s shopping. The city is rectangular in shape, with the city limits generally extending from NE Englewood Road or NE 55th to NE 77th south to north, and N. Jackson Ave. to N. Broadway east to west. The city boundaries include a panhandle that goes south to NW 44th St. and from NW Briarcliff Ln. to Gladstone Waterworks Rd. from east to west. A portion of the panhandle was de-annexed by Kansas City and annexed by Gladstone in 2005 to bring the Gladstone Water Plant property within the Gladstone city limits.
At the 2010 census there were 25,410 people, 11,182 households, and 6,859 families living in the city. The population density was 3,156.5 inhabitants per square mile (1,218.7/km). There were 12,148 housing units at an average density of 1,509.1 per square mile (582.7/km2). The racial makeup of the city was 85.8% White, 5.2% African American, 0.6% Native American, 1.7% Asian, 0.6% Pacific Islander, 2.6% from other races, and 3.5% from two or more races. Hispanic or Latino of any race were 7.3%.
Of the 11,182 households 27.1% had children under the age of 18 living with them, 44.5% were married couples living together, 12.3% had a female householder with no husband present, 4.6% had a male householder with no wife present, and 38.7% were non-families. 32.4% of households were one person and 12.2% were one person aged 65 or older. The average household size was 2.27 and the average family size was 2.86.
The median age was 41.7 years. 21.3% of residents were under the age of 18; 7.8% were between the ages of 18 and 24; 24.5% were from 25 to 44; 28.7% were from 45 to 64; and 17.6% were 65 or older. The gender makeup of the city was 47.9% male and 52.1% female.
At the 2000 census there were 26,365 people, 11,484 households, and 7,384 families living in the city. The population density was 3,297.2 inhabitants per square mile (1,273.1/km). There were 11,919 housing units at an average density of 1,490.6 per square mile (575.5/km2). The racial makeup of the city was 93.25% White, 2.05% African American, 0.52% Native American, 1.26% Asian, 0.14% Pacific Islander, 1.14% from other races, and 1.65% from two or more races. Hispanic or Latino of any race were 3.56%.
Of the 11,484 households 25.7% had children under the age of 18 living with them, 51.0% were married couples living together, 10.3% had a female householder with no husband present, and 35.7% were non-families. 29.9% of households were one person and 9.1% were one person aged 65 or older. The average household size was 2.27 and the average family size was 2.82.
The age distribution was 21.0% under the age of 18, 8.6% from 18 to 24, 28.2% from 25 to 44, 26.4% from 45 to 64, and 15.9% 65 or older. The median age was 40 years. For every 100 females, there were 92.5 males. For every 100 females age 18 and over, there were 89.3 males.
The median household income was $46,333 and the median family income was $55,128. Males had a median income of $40,114 versus $27,429 for females. The per capita income for the city was $25,105. About 3.1% of families and 4.7% of the population were below the poverty line, including 5.6% of those under age 18 and 4.1% of those age 65 or over.
According to the town’s 2016 Comprehensive Annual Financial Report, the top employers in the city are:
North Kansas City School District is the area school district. Elementary schools with sections of Gladstone in their attendance boundaries include Chapel Hill, Linden West, Meadowbrook, Oakwood Manor, Briarcliff (Kansas City), Clardy (Kansas City), and Davidson (Kansas City). The majority of Gladstone is zoned to Antioch Middle School in Gladstone and Oak Park High School in Kansas City. Portions south of NW Englewood Road are zoned to Northgate Middle School in Kansas City and North Kansas City High School in North Kansas City.
Gladstone has a public library, a branch of the Mid-Continent Public Library.
