Cheapest Owner Operators Truck Insurance Cost O’Fallon, Missouri
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost O’Fallon, 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 O’Fallon, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in O’Fallon, 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.
O’Fallon ( oh-FAL-ən) is a city in St. Charles County, Missouri, United States. It is part of the St. Louis metropolitan statistical area, located along Interstates 64 and 70 between Lake St. Louis and St. Peters. As of the 2020 census, O’Fallon had a population of 91,316, making it the largest suburb of St. Louis, as well as the largest municipality in St. Charles County and the seventh-largest in Missouri. O’Fallon’s namesake in St. Clair County, Illinois, is also part of the St. Louis region. The two cities are one of the few pairs of same-named municipalities to be part of the same metro area.
O’Fallon was founded in 1856 by Nicholas Krekel. The community was named by Krekel’s older brother, Judge Arnold Krekel, after John O’Fallon, the president of the North Missouri Railroad. A post office called O’Fallon has been in operation since 1859 with its first postmaster being Nicholas Krekel. The St. Mary’s Institute of O’Fallon was listed on the National Register of Historic Places in 2007.
In 2006, Money magazine named O’Fallon 39th in its “Best 100 Places to Live”. The magazine also ranked O’Fallon 68th out of 100 in 2008, 26th out of 100 in 2010, and 42nd out of 100 in 2017.
According to the United States Census Bureau, the city has a total area of 29.20 square miles (75.63 km), of which 29.19 square miles (75.60 km) are land and 0.01 square miles (0.03 km) is covered by water.
O’Fallon has a humid subtropical climate (Köppen Cfa). Summers are hot and humid, while winters are moderately cold.
As of the census of 2010, 79,329 people, 28,234 households, and 21,436 families were residing in the city. The population density was 2,717.7 inhabitants per square mile (1,049.3/km). The 29,376 housing units averaged 1,006.4 per square mile (388.6/km). The racial makeup of the city was 89.9% White, 4.0% African American, 0.2% Native American, 3.2% Asian, 0.9% from other races, and 1.8% from two or more races. Hispanics or Latinos of any race were 2.7% of the population.
Of the 28,234 households, 44.7% had children under 18 living with them, 61.6% were married couples living together, 10.0% had a female householder with no husband present, 4.3% had a male householder with no wife present, and 24.1% were not families. About 19.3% of all households were made up of individuals, and 6.2% had someone living alone who was 65 or older. The average household size was 2.80, and the average family size was 3.23.
The median age in the city was 34.3 years. The age distribution of the city was 30% under 18; 7.1% between 18 and 24; 30.8% from 25 to 44; 23.1% from 45 to 64; and 8.9% at 65 or older. The gender makeup of the city was 48.8% male and 51.2% female.
Mastercard has a major presence in O’Fallon. Venture Stores was headquartered and maintained a distribution center in O’Fallon, until its dissolution. The buildings are now occupied by True Manufacturing. Air Evac Lifeteam, a medical helicopter service for the rural areas of the Ozarks, moved its headquarters to O’Fallon in 2015.
O’Fallon was the home of the River City Rascals independent Frontier League baseball team. The Rascals played at CarShield Field in O’Fallon, which was built in 1999. It is located on Tom Ginnever Boulevard and T.R. Hughes Boulevard near downtown. The organization ceased operations after the 2019 season. The O’Fallon Hoots and the CarShield Collegiate League now play at the stadium.
O’Fallon operates under a charter form of government. The mayor serves four-year terms without term limits and is also the President of the City Council. The 10-member council consists of two members from each of the five wards; the council had 8 members until the fifth ward was created in 2010. City council members served two-year terms until 2010, when they switched to three-year terms. The council elects a President Pro Tempore from among its members, who presides over the council in the mayor’s absence.
Bill Hennessy has served as mayor since 2009. The most senior member of the council is Debbie Cook, who was elected to a Ward 5 seat in a 2014 special election and was re-elected in 2016, 2019, and 2022. In January 2022, city councilwoman Katie Gatewood became the first elected official in O’Fallon to be impeached and removed from office. She was accused of impeding the duties of the police chief and lying to the Council about the identity of a whistleblower.
As of January 2023, there is one vacancy on the council: Ward 1 councilman and President Pro Tem Dave Hinman resigned after being elected to the Missouri House of Representatives. Ward 2 councilman Tom Herweck succeeded him as President Pro Tem.
O’Fallon is served mostly by the Fort Zumwalt School District, and the westernmost part is served by the Wentzville R-IV School District. The south to southeastern part of the city is served by the Francis Howell R-III School District. St. Dominic High School is a private Catholic school located in O’Fallon; Christian High School is a nondenominational Christian secondary school also located in O’Fallon. Satellite campuses of Webster University and Lindenwood University are located in O’Fallon.
O’Fallon is served by the St. Charles City-County Library system, which has three branches in the area, two standard (Deer Run and Middendorf-Kredell) and one “express” location (Library Express at Winghaven).
While the City is within the jurisdiction of multiple agencies, fire protection is mostly provided by the O’Fallon Fire Protection District, which in 2007 became the first internationally accredited fire agency in Missouri. The award was made by the Center for Public Safety Excellence’s Commission on Fire Accreditation International, which has approved accreditation status for only 120 fire agencies worldwide.
The western portion of the city is served by the Wentzville Fire Protection District.
The eastern portion of the city is served by Central County Fire Rescue.
The southern portion of the city is served by the Cottleville Fire Protection District
The far southwestern portion of the city is served by the New Melle Fire District
An extremely small portion of the city is served by the Lake Saint Louis Fire District
