Cheapest Owner Operators Truck Insurance Wentzville, Missouri
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Wentzville, 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 Wentzville, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Wentzville, 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.
Wentzville is an exurb of St. Louis that is located in western St. Charles County, Missouri, United States. As of the 2020 census, the city had a total population of 44,372, making it the 15th largest city in Missouri. Wentzville has been the fastest growing city in Missouri, by percentage population increase, for two consecutive decades from 2000 to 2020. As the site of the Rotary Park, Wentzville is host to the St. Charles County Fair and the St. Louis Renaissance Festival.
Wentzville was laid out in 1855. The community is named for Erasmus Livingston Wentz, who was the chief engineer of the Northern Missouri Railroad. A post office called Wentzville has been in operation since 1859.
Wentzville is the location of the first Vietnam Veterans Memorial in the United States. It began as a tree of lights to help raise money in 1967 to send gifts to active servicemen, but later evolved by 1984 to a carved eagle atop a pillar of granite. It has become a regular stop in the national “Run for the Wall” trip for veterans.
Musician George Thorogood wrote the song “Back to Wentzville”, the first track of his 1982 album Bad to the Bone, for rock pioneer Chuck Berry who had a home in the area.
The Wentzville Tobacco Company Factory was listed on the National Register of Historic Places in 1990.
One of the 13 U.S. service members killed in the 2021 Kabul airport attack was from Wentzville.
Wentzville is located at 38°48’58” North, 90°51’26” West (38.816010, −90.857198).
According to the United States Census Bureau, the city has a total area of 19.98 square miles (51.75 km), of which 19.96 square miles (51.70 km2) is land and 0.02 square miles (0.05 km) is water.
As of the census of 2010, there were 29,070 people, 9,767 households, and 7,852 families living in the city. The population density was 1,456.4 inhabitants per square mile (562.3/km2). There were 10,305 housing units at an average density of 516.3 per square mile (199.3/km). The racial makeup of the city was 89.9% White, 6.0% African American, 0.3% Native American, 1.2% Asian, 0.8% from other races, and 1.9% from two or more races. Hispanic or Latino of any race were 2.7% of the population.
There were 9,767 households, of which 51.5% had children under the age of 18 living with them, 65.3% were married couples living together, 11.1% had a female householder with no husband present, 4.0% had a male householder with no wife present, and 19.6% were non-families. 15.6% of all households were made up of individuals, and 5% had someone living alone who was 65 years of age or older. The average household size was 2.96 and the average family size was 3.31.
The median age in the city was 31.2 years. 33.7% of residents were under the age of 18; 6.2% were between the ages of 18 and 24; 33.7% were from 25 to 44; 19% were from 45 to 64; and 7.5% were 65 years of age or older. The gender makeup of the city was 48.5% male and 51.5% female.
As of the census of 2000, there were 13,931 people, 2,456 households, and 1,846 families living in the city. The population density was 478.9 inhabitants per square mile (184.9/km). There were 2,724 housing units at an average density of 189.2 per square mile (73.1/km2). The racial makeup of the city was 84.63% White, 12.02% African American, 0.16% Native American, 0.55% Asian, 0.06% Pacific Islander, 0.52% from other races, 2.06% from two or more races. 1.49% of the population were Hispanic or Latino of any race.
There were 2,456 households, out of which 43.5% had children under the age of 18 living with them, 54.5% were married couples living together, 17.1% had a female householder with no husband present, and 24.8% were non-families. 20.7% of all households were made up of individuals, and 9.1% had someone living alone who was 65 years of age or older. The average household size was 2.76 and the average family size was 3.20.
In the city, the population was spread out, with 31.8% under the age of 18, 9.2% from 18 to 24, 30.7% from 25 to 44, 17.4% from 45 to 64, and 10.8% who were 65 years of age or older. The median age was 31 years. For every 100 females, there were 87.6 males. For every 100 females age 18 and over, there were 82.5 males.
The median income for a household in the city was $47,232, and the median income for a family was $53,082. Males had a median income of $38,423 versus $25,852 for females. The per capita income for the city was $18,039. 11.6% of the population and 10.1% of families were below the poverty line. Out of the total population, 19.1% of those under the age of 18 and 13.3% of those 65 and older were living below the poverty line.
The government of Wentzville consists of a mayor, six aldermen (two for each ward), and a city administrator. City Administrator is a non-elected position, whereas the others are elected. Mayors serve four-year terms and aldermen serve two-year terms. The city is divided into three wards.
The city’s major employer is General Motors which has a full size van and small truck assembly plant located there, called Wentzville Assembly.
One of the city’s largest employers, from 2013 to 2017, was Serco. The British-based company was awarded a five-year contract in 2013 to manage the implementation of the Affordable Care Act. As a result of the contract, Serco opened its Affordable Care Act application processing facility in Wentzville in August of that same year in the building that was formerly home to the US Fidelis call center. The Wentzville Serco facility attracted national attention in 2014 after whistle-blower allegations revealed that workers spent large amounts of time sleeping or playing games due to lack of work.
At its peak, Serco employed approximately 1,500 employees in Wentzville. In 2018, Serco announced its closure of the Wentzville processing center to coincide with the end of its five-year contract with the Centers for Medicaid and Medicare Services. Closing of the facility resulted in a loss of 850 jobs.
According to Wentzville’s 2020 Popular Annual Financial Report, the top employers in the city were:
The Wentzville R-IV School District covers Wentzville, Lake St. Louis, Foristell, Dardenne Prairie and parts of O’Fallon. There are four public high schools in the Wentzville District: Wentzville Holt High School, Timberland High School, North Point High School, and Liberty High School. Liberty High School is in neighboring Lake St. Louis.
Catholic schools in Wentzville include St. Patrick School which hosts preschool through eighth grade. Immanuel Lutheran School is a private Christian school off Highway N. Immanuel offers classes for children from preschool through 8th Grade. It is a Lutheran Exemplary status school.
Lindenwood University has a satellite campus located in the building that was formerly home to the Southern Air Restaurant, which after many years as a popular stop for travelers between St. Louis and Columbia, Missouri, was last owned by Chuck Berry.
Midwest University, a primarily Korean-American, Christian institution offers undergraduate and graduate degrees in Wentzville.
Urshan College and Urshan Graduate School of Theology, educational institutions owned and operated by the United Pentecostal Church International, offer undergraduate and graduate degrees in Wentzville.
Wentzville has a public library, a branch of the St. Charles City-County Library.
Sally Hunt of Maryland Heights spoke to the Wentzville Board of Aldermen on February 28, 2018, regarding an “In God We Trust” insignia recently mounted on the dais. Hunt’s speech to the council was interrupted and she was forcibly removed from the room by police acting on the order of the mayor. Hunt and the mayor differ on whether Hunt had exceeded her allotted time to speak. The ACLU sued Wentzville in April 2018 on behalf of Hunt which was settled in November 2018. City of Wentzville insurance will pay $2,670 to the ACLU to offset lawyers’ fees and legal cost. According to the terms of the settlement, Wentzville law enforcement officers will not remove a person from a council meeting without probable cause. Wentzville agreed not to censor speech due to content in future open forums.
