Cheapest Owner Operators Truck Insurance Cost Lee’s Summit, Missouri
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Lee’s Summit, 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 Lee’s Summit, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Lee’s Summit, 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.
Lee’s Summit is a city in the U.S. state of Missouri and is a suburb in the Kansas City metropolitan area. It straddles Jackson (predominantly) and Cass counties. As of the 2020 census, its population was 101,108, making it the sixth-largest city in both Missouri and the Kansas City metropolitan area.
The “Town of Strother” (not to be confused with a town of the same name in Monroe County) was founded by William B. Howard in October 1865. He named it for his wife, Maria D. Strother, the daughter of William D. Strother formerly of Bardstown, Kentucky. Howard came to Jackson County in 1842 from Kentucky, married Maria in 1844, and by 1850 he and Maria had 833 acres (3.37 km) and a homestead 5 miles (8 km) north of town. Howard was arrested for being a Confederate in October 1862, near the beginning of the Civil War, and after being paroled he took his family back to Kentucky for the duration of the war. After the war ended he returned and, knowing that the Missouri Pacific Railroad was surveying a route in the area, platted the town with 70 acres (280,000 m) in the fall of 1865 as the town of Strother.
In November 1868, the town’s name was changed to the “Town of Lee’s Summit”, most likely to honor early settler Dr. Pleasant John Graves Lea, who had moved to Jackson County in 1849 from Bradley County, Tennessee. Lea was listed as the postmaster of nearby Big Cedar in the 1855 United States Official Postal Guide. Dr. Lea was killed in August 1862 by Kansas Jayhawkers (or Redlegs).
When the surveyors for the Missouri Pacific Railroad came through, the local people and the railroad wanted to name the town in Dr. Lea’s honor. He had a farm on the highest point and near the path of the tracks, and his murder had taken place near the site of the proposed depot. So they chose the name of “Lea’s Summit”, the “summit” portion to reflect its highest elevation on the Missouri Pacific Railroad between St. Louis and Kansas City. But they misspelled the name “Lees Summit” (with two “e’s”; “Lee” instead of “Lea”; and leaving out the apostrophe) on a boxcar that was serving as a station and donated by the Missouri Pacific, then a sign next to the tracks, and finally in the printed time schedule for the railroad. Legend states that the name was spelled wrong on the side of the Missouri Pacific depot and has remained Lee’s Summit ever since.
Others claim that the town was named after famed Civil War General Robert E. Lee after Southerners began moving north into Missouri after the war due to the timing of General Lee’s death compared to Dr. Lea’s death. This is attributed to a quote in the Louisville Journal, January 3, 1866.
Since the name was already being circulated and published with two “e’s”, the town petitioned the state legislature and incorporated its name in 1868 as: “Town of Lee’s Summit”.
The spelling is unusual because apostrophes are typically not included in place names due to potential confusion regarding whether the place is owned by the namesake person. Most possessive place names lack an apostrophe, such as Harpers Ferry, West Virginia.
The growth of the town can be studied through historic Sanborn maps, which document building types and uses in the city during the late nineteenth and early twentieth centuries.
In 1913, R. A. Long, the owner of a lumber company, began building his estate, named Longview Farm, on the western edge of the city and into part of Kansas City. When complete, it had a mansion, five barns and 42 buildings in the 1,700 acres (6.9 km). Harrison Metheny, grandfather of jazz legend Pat Metheny, was an electrician during the construction of Longview Farm. The farm also had a church, Longview Chapel Christian Church, which was completed in 1915. It soon became internationally known as a showplace farm. Today, one of the horse barns is home to Longview Farm Elementary. The church and mansion are on the National Register of Historic Places. Other parts of the farm have been turned into Longview Lake, Longview Community College, and a development called New Longview. Lee’s Summit is also home to Missouri Town 1855 and Lee’s Summit Historical Cemetery.
According to the United States Census Bureau, the city has a total area of 65.911 square miles (170.71 km), of which 63.895 square miles (165.49 km) is land and 2.016 square miles (5.22 km) is water.
As of the 2020 census, there were 101,108 people and 38,193 households in the city. The average number of persons per household was 2.62. The population density was 1,582.4 inhabitants per square mile (611.0/km).
The estimated age distribution of the city was 6.0% under 5-years-old, 26.4% under 18-years-old, 58.5% between 18 and 65-years-old, and 15.1% over 65-years-old. The estimated sex distribution of the city was 51.7% female and 48.3% male. The estimated racial distribution of the city was 82.4% white, 8.6% Black or African American, 0.1% American Indian or Alaska Native, 2.1% Asian, 0.1% Native Hawaiian or other Pacific Islander, and 5.1% from two or more races. Hispanic or Latino of any race were 4.8% of the population. Persons with a disability, under 65-years-old made up 5.9% of the city.
The per capita income was $44,947. The median household income of the city was $98,960. The median value of owner-occupied housing units was $248,800. Persons in poverty made up an estimated 4.2% of the city.
As of the 2010 census of 2010, there were 91,364 people, 34,429 households, and 25,126 families living in the city. The population density was 1,442.2 inhabitants per square mile (556.8/km). There were 36,679 housing units at an average density of 579.0 per square mile (223.6/km). The racial makeup of the city was 86.1% White, 8.4% African American, 0.3% Native American, 1.7% Asian, 0.1% Pacific Islander, 1.1% from other races, and 2.4% from two or more races. Hispanic or Latino of any race were 3.9% of the population.
There were 34,429 households, of which 39.5% had children under the age of 18 living with them, 58.3% were married couples living together, 10.9% had a female householder with no husband present, 3.8% had a male householder with no wife present, and 27.0% were non-families. Of all households, 22.8% were made up of individuals, and 8.9% had someone living alone who was 65 years of age or older. The average household size was 2.63 and the average family size was 3.11.
The median age in the city was 37.2 years. 28% of residents were under the age of 18; 7.1% were between the ages of 18 and 24; 27% were from 25 to 44; 26.6% were from 45 to 64; and 11.5% were 65 years of age or older. The sex makeup of the city was 47.9% male and 52.1% female.
As of the 2000 census, there were 70,700 people, 26,417 households, and 19,495 families living in the city. The population density was 1,188.0 inhabitants per square mile (458.7/km). There were 27,311 housing units at an average density of 458.9 per square mile (177.2/km). The racial makeup of the city was 93.17% White, 3.47% African American, 0.36% Native American, 0.99% Asian, 0.06% Pacific Islander, 0.52% from other races, and 1.42% from two or more races. Hispanic or Latino of any race were 1.97% of the population.
There were 26,417 households, out of which 40.8% had children under the age of 18 living with them, 62.1% were married couples living together, 8.9% had a female householder with no husband present, and 26.2% were non-families. Of all households, 22.0% were made up of individuals, and 9.2% had someone living alone who was 65 years of age or older. The average household size was 2.65 and the average family size was 3.12.
In the city, 29.2% of the population was under the age of 18, 6.6% was from 18 to 24, 33.1% from 25 to 44, 20.9% from 45 to 64, and 10.2% was 65 years of age or older. The median age was 35 years. For every 100 females, there were 91.9 males. For every 100 females age 18 and over, there were 87.4 males.
The median income for a household in the city was $60,905, and the median income for a family was $70,702. Males had a median income of $49,385 versus $32,837 for females. The per capita income for the city was $26,891. About 2.8% of families and 3.8% of the population were below the poverty line, including 4.7% of those under age 18 and 4.7% of those age 65 or over.
According to the town’s Economic Development Council, the top employers in the city are:
Lee’s Summit is a charter form of government, represented by a mayor and a city council. Each of the four districts are represented by two councilmembers whose terms are staggered and expire every four years. No councilmember may serve more than two consecutive terms.
Lee’s Summit is served by parts of three public school districts: Lee’s Summit R-VII School District, Blue Springs R-IV School District, Raymore-Peculiar R-II School District. Lee’s Summit has four religious private schools as well: Summit Christian Academy (formerly Lee’s Summit Community Christian School), Our Lady of Presentation Catholic School, Lee’s Summit Academy (formerly Libby Lane Academy), and St. Michael the Archangel Catholic High School. Longview Community College is located on the western edge of Lee’s Summit and is part of Metropolitan Community College (Kansas City) system. It also is home to the Summit Technology Center which is a branch campus of the University of Central Missouri.
Lee’s Summit has three public libraries, branches of the Mid-Continent Public Library, on Oldham Parkway, Colbern Road, and Blue Parkway.
Lee’s Summit experiences a four-season humid continental climate (Köppen climate classification Dfa) with cold days and nights during the winter, and hot days and muggy nights during the summer.
The Historic Jefferson Highway (known as the “Palm to Pine” highway) runs through Lee’s Summit.
Two general medical and surgical hospitals which provide emergency services—Lee’s Summit Medical Center and Saint Luke’s East Hospital—are both located in Lee’s Summit.