Insurance Requirements for Owner Operators Blue Springs, Missouri
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Blue Springs, 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 Blue Springs, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Blue Springs, 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.
Blue Springs is a city located in the U.S. state of Missouri within Jackson County. Blue Springs is located 19 miles (31 km) east of downtown Kansas City. Blue Springs is the 9th largest city in the Kansas City Metropolitan Area and 10th largest city in the state of Missouri. As of the 2020 census, the population was 58,604.
Blue Springs’ history is tied to the migration of settlers on their westward journey. Pioneers found the area to be an ideal stopover due to the abundance of cool, clean water from a spring of the Little Blue River—hence the name Blue Springs. The presence of water and a need for pioneer supplies led to the construction of a grist mill and permanent settlement at the current site of the city’s Burrus Old Mill Park on Woods Chapel Road.
An early settler, Franklin Smith, arrived in Blue Springs from Virginia in 1838 and became a leading figure in the community’s development. He established the first post office in 1845, naming it after the well-known springs.
The settlement continued to grow near the springs until March 1878, when the Chicago and Alton Railroad announced plans to build a station about one mile east of the original settlement. To take advantage of the commerce the railroad would bring, the town moved its center to the site of the new station and continued its development as a rural trading center. The Jackson County Court granted the incorpation of Blue Springs on September 7, 1880, making the city the fourth settlement in the county to be incorporated. The Chicago & Alton Hotel built in 1878, located on Main Street west of the railroad tracks is the oldest business in the City of Blue Springs.
Historical attractions near or in Blue Springs include: Missouri Town 1855, Fort Osage National Historic Landmark, Dillingham-Lewis House Museum, Chicago & Alton Hotel Museum, and the Lone Jack Civil War Museum.
City Hall History
Until 1965, the Blue Springs City Hall was located in a very small block building under the old water tower on the northwest corner of 11th and Walnut Streets. City Hall and the water tower were torn down not long after vacating the buildings. From 1965 to 1968, the City Hall was a metal building located in the 200 block of NW 11th Street, across the street from the former Blue Springs Post Office. In 1968 the current City Hall was built at 903 W. Main Street as the Blue Springs Municipal Building. The Blue Springs Municipal Building held the Blue Springs Police Department in the lower level and city hall functions on the main level until 1988, when the Police Department moved to a new police station at 1100 SW Smith Street. The Municipal Building was remodeled in 1989 and was renamed the Blue Springs City Hall.
The June 1911 issue of Technical World magazine published an article claiming that Blue Springs “boasts of possessing the world’s champion marble players,” and published a picture of a competition. It named Dan Stanley, George Webb, George Binger and Lynn Pryor as the best.
In 2010, CNN/Money Magazine ranked Blue Springs 49th on its list of the 100 Best Places to Live in the United States.
On May 24, 2012, Chris Oberholtz and Dave Jordan of KCTV5 reported that several residents had seen strange lights in the evening sky above Blue Springs.
Blue Springs is located at 39°1′4″N 94°16′28″W / 39.01778°N 94.27444°W (39.017778, -94.274444). According to the United States Census Bureau, the city has a total area of 22.35 square miles (57.89 km), of which 22.27 square miles (57.68 km) is land and 0.08 square miles (0.21 km) is water.
As of the census of 2010, there were 52,575 people, 19,522 households, and 14,468 families residing in the city. The population density was 2,360.8 inhabitants per square mile (911.5/km). There were 20,643 housing units at an average density of 926.9 per square mile (357.9/km). The racial makeup of the city was 87.6% White, 6.2% African American, 0.5% Native American, 1.2% Asian, 0.2% Pacific Islander, 1.3% from other races, and 3.1% from two or more races. Hispanic or Latino of any race were 5.0% of the population.
There were 19,522 households, of which 40.4% had children under the age of 18 living with them, 55.3% were married couples living together, 13.7% had a female householder with no husband present, 5.1% had a male householder with no wife present, and 25.9% were non-families. 20.4% of all households were made up of individuals, and 5.8% had someone living alone who was 65 years of age or older. The average household size was 2.68 and the average family size was 3.09.
The median age in the city was 34.7 years. 27.9% of residents were under the age of 18; 8.6% were between the ages of 18 and 24; 27.8% were from 25 to 44; 26.4% were from 45 to 64; and 9.4% 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 48,080 people, 17,286 households, and 13,362 families residing in the city. The population density was 2,642.7 inhabitants per square mile (1,020.4/km). There were 17,733 housing units at an average density of 974.7 per square mile (376.3/km). The racial makeup of the city was 93.18% White, 2.93% African American, 0.43% Native American, 0.97% Asian, 0.11% Pacific Islander, 0.83% from other races, and 1.55% from two or more races. Hispanic or Latino of any race were 2.76% of the population.
There were 17,286 households, out of which 42.5% had children under the age of 18 living with them, 63.1% were married couples living together, 10.5% had a female householder with no husband present, and 22.7% were non-families. 18.1% of all households were made up of individuals, and 4.8% had someone living alone who was 65 years of age or older. The average household size was 2.77 and the average family size was 3.16. In the city the population was spread out, with 29.5% under the age of 18, 8.7% from 18 to 24, 31.9% from 25 to 44, 22.8% from 45 to 64, and 7.1% who were 65 years of age or older. The median age was 33 years. For every 100 females, there were 95.8 males. For every 100 females age 18 and over, there were 92.3 males. The median income for a household in the city was $55,402, and the median income for a family was $61,008. Males had a median income of $41,373 versus $29,688 for females. The per capita income for the city was $23,444. About 3.9% of families and 4.8% of the population were below the poverty line, including 6.0% of those under age 18 and 5.9% of those age 65 or over.
According to the town’s 2016 Comprehensive Annual Financial Report, the top employers in the city are:
The City of Blue Springs has a Mayor-Council-Administrator form of government as set forth in the Home Rule City Charter. The City Council is the governing body of the city, elected by the public. The City of Blue Springs employs a workforce of more than 285 employees who serve the city and its residents under the leadership and direction of the City Administrator. The City Administrator is appointed by the City Council and is responsible for the implementation of policies and decisions made by the Mayor and City Council. The elected governing body for the City of Blue Springs is composed of a Mayor and six Councilpersons. The current elected officials (as of March 7, 2012) are: Mayor Carson Ross, District 1 Councilman Dale Carter, District 1 Councilman Jerry Kaylor, District 2 Councilman Chris Lievsay, District 2 Councilman Kent Edmondson, District 3 Councilman Susan Culpepper, District 3 Councilman Ron Fowler.
The City of Blue Springs has a Municipal Police Department. There are two Fire Districts providing fire and ambulance services to resident’s Blue Springs.
Fleming Park is home to Blue Springs Lake and Lake Jacomo. The park is operated by Jackson County. Fleming Park offers many recreational features. Fleming Park’s total land area is 7,809-acre (32 km) of which 1,690-acre (7 km) is water.
Blue Springs also has 22 city parks which offer a vast array of recreational activities. They are:
Blue Springs City owned or ran recreational facilities are:
Blue Springs is served by three public schools districts and three private schools. Public Schools are as follows:
The private schools are as follows:
Blue Springs experiences a colder variation of a four-season humid subtropical climate (Köppen climate classification Cfa) with mild days and cold nights during the winter, and hot days and muggy nights during the summer.
Blue Springs is served by the following utilities:
Mid-Continent Public Library operates two library branches in Blue Springs
