Cheapest Owner Operators Truck Insurance Cost Maryland Heights, Missouri
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Maryland Heights, 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 Maryland Heights, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Maryland Heights, 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.
Maryland Heights is a second-ring north suburb of St. Louis, located in St. Louis County, Missouri, United States. The population was 27,472 at the 2010 census. The city was incorporated in 1985. Edwin L. Dirck was appointed the city’s first mayor by then County Executive Gene McNary. Mark M. Levin served as City Administrator from August 1985 to 2015.
According to the United States Census Bureau, the city has a total area of 23.35 square miles (60.48 km), of which 21.83 square miles (56.54 km) is land and 1.52 square miles (3.94 km) is water.
The City of Maryland Heights is a third-class statutory city. It is governed by a mayor who serves a four-year term and a city council made up of eight members. The city is divided into four wards. Two council-people are elected from each ward to serve on a city council for two-year terms. The city has offered internships in public administration since 1986.
In 2020, there were 28,284 people living in the city. The racial makeup of the city was 58.5% White, 15.4% African American, 0.4% Native American, 16.4% Asian, 2.8% from other races, and 6.5% from two or more races. Hispanic or Latino of any race were 4.8% of the population.
As of the census of 2010, there were 27,472 people, 12,180 households, and 6,766 families living in the city. The population density was 1,258.5 inhabitants per square mile (485.9/km). There were 13,092 housing units at an average density of 599.7 per square mile (231.5/km). The racial makeup of the city was 63.2% White, 21.9% African American, 0.2% Native American, 9.8% Asian, 2.3% from other races, and 2.5% from two or more races. Hispanic or Latino of any race were 4.5% of the population.
There were 12,180 households, of which 27.5% had children under the age of 18 living with them, 39.9% were married couples living together, 11.4% had a female householder with no husband present, 4.2% had a male householder with no wife present, and 44.4% were non-families. 35.2% of all households were made up of individuals, and 7.2% had someone living alone who was 65 years of age or older. The average household size was 2.21 and the average family size was 2.90.
The median age in the city was 35 years. 20.3% of residents were under the age of 18; 10.8% were between the ages of 18 and 24; 32% were from 25 to 44; 24.8% were from 45 to 64; and 12.2% were 65 years of age or older. The gender makeup of the city was 48.7% male and 51.3% female.
As of the census of 2000, there were 25,756 people, 11,302 households, and 6,419 families living in the city. The population density was 1,204.4 inhabitants per square mile (465.0/km). There were 11,846 housing units at an average density of 553.9 per square mile (213.9/km). The racial makeup of the city was 85.35% White, 5.58% African American, 0.20% Native American, 7.11% Asian, 0.03% Pacific Islander, 0.71% from other races, and 1.02% from two or more races. Hispanic or Latino of any race were 2.33% of the population.
There were 11,302 households, out of which 25.8% had children under the age of 18 living with them, 44.2% were married couples living together, 9.5% had a female householder with no husband present, and 43.2% were non-families. 33.8% of all households were made up of individuals, and 5.5% had someone living alone who was 65 years of age or older. The average household size was 2.25 and the average family size was 2.94.
In the city, the population was spread out, with 21.5% under the age of 18, 9.8% from 18 to 24, 37.2% from 25 to 44, 22.0% from 45 to 64, and 9.5% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 97.7 males. For every 100 females age 18 and over, there were 96.1 males.
The median income for a household in the city was $48,689, and the median income for a family was $58,487. Males had a median income of $40,700 versus $30,613 for females. The per capita income for the city was $24,918. About 3.8% of families and 5.3% of the population were below the poverty line, including 4.6% of those under age 18 and 8.2% of those age 65 or over.
Maryland Heights is served by Parkway and Pattonville public school districts.
SSM Health DePaul Hospital, a 478-bed, full-service hospital, is located nearby in Bridgeton.
Edward Jones Investments operates its North Campus office in Maryland Heights.
At one time, Express Scripts had its headquarters in Maryland Heights. Express Scripts built a new headquarters on the grounds of the University of Missouri-St. Louis in 2007.
Central Midland Railway (CMR), a division of Progressive Rail Inc. of Minnesota, provides regular freight rail service to several businesses located in Maryland Heights. 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.
Hollywood Casino St. Louis is on the western edge of the city.
World Wide Technology is based in Maryland Heights.
Bayer Crop Science has a campus in nearby Creve Coeur.
According to the city’s 2018 Comprehensive Annual Financial Report, the top employers in the city are:
The city of Maryland Heights operates four parks as well as Aquaport, a waterpark; Sportport, a multi-use recreational facility; and Dogport, a park for dogs.
Aquaport is operated by Maryland Heights as a municipal water park for citizens of Maryland Heights and Creve Coeur. It opened in 1999.
The Centene Community Ice Center, which opened in 2019, features three indoor ice rinks and a covered outdoor rinks. It is a practice facility for the St. Louis Blues, as well as home ice for Lindenwood University’s men’s and women’s ice hockey teams.
Creve Coeur Lake Memorial Park is operated by St. Louis County and was a summer resort in the early 1900s. It features a 320-acre (1.3 km) lake as well as the picturesque “Dripping Springs” waterfall. It was St. Louis County’s first park.
Historic Aircraft Restoration Museum is located at the Creve Coeur Airport and has a large collection of 1920s and 1930s aircraft.
Vago Park is a 20-acre (81,000 m) park located at the intersection of Fee Fee Road and Midland Avenue. It features three playgrounds, a splash pad play area, a paved walking trail, a sand volleyball court, three pavilions, a gazebo and picnic areas outfitted with barbecue grills. Visitors will want to be sure to note the “Veterans Memorial Walk,” a sidewalk made of bricks imprinted with the names of Maryland Heights residents who have served in the Armed Forces of the United States.
Eise Park is located at the intersection of Glenview Drive and Bourbon Street, near Rose Acres Elementary School. It contains one pavilion seating about 25 people, a playground, a splash pad play area, several picnic tables with barbecue grills, a walking path, a basketball slab, and restrooms.
Quiet Hollow Park is a small park at the intersection of Marine Avenue and McKelvey Road.
Parkwood Park is located on 3145 Parkwood Lane, next to Parkwood Elementary School. It features a 0.7-mile (1.1 km) paved walking trail with fitness stations, a playground, green space, restrooms and a small parking lot.
Westport Plaza is a 700,000+ square foot development featuring dining, entertainment venues, businesses and radio stations. Westport is located at the intersection of Page Avenue and I-270 in the northwest area of St. Louis County.
Maryland Heights is home to St. Louis County’s first casino, Hollywood Casino St. Louis, which opened in 1997 in the Riverport area as Harrah’s.
The Hollywood Casino Amphitheater is a 7,000-seat outdoor concert venue, with lawn seating for another 13,000, making it a 20,000 person capacity venue.
Zion Lutheran Church is one of the earliest parts of the community which became Maryland Heights. It started as a grade school on October 13, 1869, and it became a congregation of the Lutheran Church–Missouri Synod on January 1, 1883.
