Owner Operator Insurance Requirements Cape Girardeau, Missouri
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Cape Girardeau, 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 Cape Girardeau, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Cape Girardeau, 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.
Cape Girardeau ( jirr-AR-doh, French: Cap-Girardeau [kap ʒiʁaʁdo] (
listen); colloquially referred to as “Cape”) is a city in Cape Girardeau and Scott Counties in the U.S. state of Missouri. At the 2020 census, the population was 39,540. The city is one of two principal cities of the Cape Girardeau-Jackson, MO-IL Metropolitan Statistical Area, which encompasses Alexander County, Illinois, Bollinger County, Missouri and Cape Girardeau County, Missouri and has a population of 97,517. The city is the economic center of Southeast Missouri and also the home of Southeast Missouri State University. It is located approximately 100 miles (161 km) southeast of St. Louis and 150 miles (241 km) north of Memphis.
The city is named after Jean Baptiste de Girardot, who established a temporary trading post in the area around 1733. He was a French soldier stationed at Kaskaskia between 1704 and 1720 in the French colony of La Louisiane. The “Cape” in the city name referred to a rock promontory overlooking the Mississippi River; it was later destroyed by railroad construction. As early as 1765, a bend in the Mississippi River, about 60 miles (97 km) south of the French village of Ste. Genevieve, had been referred to as Cape Girardot or Girardeau (both pronounced the same in French).
The settlement of Girardeau is said to date from 1793 when the Spanish government, which had acquired Louisiana in 1764 following the French defeat in the Seven Years’ War, granted Louis Lorimier, a French-Canadian, the right to establish a trading post. This gave him trading privileges and a large tract of land surrounding his post. Lorimier was made commandant of the district and prospered from the returns on his land sales and trade with indigenous peoples, such as the Ozark Bluff Dwellers and the Mississippian people.
Also in 1793, Baron Carondelet granted land near Cape Girardeau to the Black Bob Band of the Hathawekela Shawnee, who had migrated from across the Mississippi River. The Band became known as the Cape Girardeau Shawnee. They successfully resisted removal to Indian Territory with the rest of the Shawnee tribe until 1833.
In 1799, American settlers founded the first English school west of the Mississippi River in Cape Girardeau at a landmark called Mount Tabor, named by the settlers for the Biblical Mount Tabor.
The town of Cape Girardeau was incorporated in 1808, prior to Missouri statehood. It was reincorporated as a city in 1843. The advent of the steamboat in 1835 and related river trade stimulated the development of Cape Girardeau as the biggest port on the Mississippi River between St. Louis, Missouri and Memphis, Tennessee.
During the Civil War, the city was the site of the Battle of Cape Girardeau on April 26, 1863. The Union and Confederate armies engaged in a minor four-hour skirmish, each sustaining casualties generally believed to be in the low double-digits.
For years travelers had to use ferries to cross the Mississippi River from Cape Girardeau. In September 1928 a bridge was completed between Missouri and Illinois. Built to accommodate cars, it was 20 feet (6.1 m) wide under standards of the time.
The Old Federal Courthouse, located at Broadway and Fountain Streets and built in the late 1940s, was the subject of a U.S. Supreme Court case when it was being developed. In United States v. Carmack, 329 U.S. 230 (1946), the Court upheld the federal government’s authority under the Condemnation Act of 1888 to seize land owned by a state or locality.
In December 2003, the “Old Bridge” was succeeded by a new four-lane cable-stayed bridge crossing the Mississippi River at Cape Girardeau. Its official name is “The Bill Emerson Memorial Bridge.”, honoring former U.S. Rep. Bill Emerson (R-Mo.) The two towers of the bridge reach a height of approximately 91 metres (299 ft). The “Old Bridge” was demolished after the Emerson Bridge opened.
The City of Cape Girardeau was recognized in January 2008 by First Lady Laura Bush as a Preserve America Community for its work in surveying and protecting historic buildings.
The city is known to some as “The City of Roses” because of a 9-mile (14 km) stretch of highway that was once lined with dozens of rose bushes. Although there used to be many prominent rose gardens around the community, few of these gardens have been maintained. The city is also known as “Cape Girardeau: Where the River Turns a Thousand Tales,” due to the history of the town and the Mississippi River.
Numerous murals commemorate the city’s history. The largest is the Mississippi River Tales Mural, located on the city’s downtown floodwall. Covering nearly 18,000 square feet (1,700 m), it spans the length of the downtown shopping district and features 24 panels. Behind the floodwall lies the Riverfront Park of Cape Girardeau Missouri, where riverboats dock and visitors can view the Mississippi River.
There are 39 historic sites in Cape Girardeau that are listed on the National Register of Historic Places. Of these, eight are historic districts, such as Cape Girardeau Commercial Historic District, which was listed in 2000 and includes multiple contributing properties. The growth of the town can be documented through Sanborn maps, over 80 of which are available online. Other landmarks include the Fort D Historic Site and the Confederate War Memorial.
Among the city’s older cemeteries are Apple Creek Cemetery, Salem Cemetery, and Old Lorimier Cemetery.
According to the United States Census Bureau, the city has a total area of 28.49 square miles (73.79 km), of which 28.43 square miles (73.63 km) is land and 0.06 square miles (0.16 km) is water. The “cape” that the city is named after no longer exists. A rock which remains from the previously existing cape can be seen on a promontory which overlooks the Mississippi River in Cape Rock Park.
Cape Girardeau has a humid subtropical climate (Köppen Cfa) with four distinct seasons and is located in USDA Plant Hardiness Zone 6b. Winter typically brings a mix of rain, sleet, and snow, with occasional heavy snowfall and icing. The city has a January daily average of 34.6 °F (1.4 °C) and averages 12.8 days annually with temperatures staying at or below freezing; the first and last freezes of the season on average fall on October 23 and April 7, respectively. Summer is typically hazy, hot, and humid with a July daily average of 79.3 °F (26.3 °C), and there is an average of 47 days a year with high temperatures at or above 90 °F (32 °C). The average annual precipitation is 47.91 inches (1,220 mm), with the rainiest season being spring. Extremes in temperature range from 107 °F (42 °C), which last occurred on June 29, 2012, down to −18 °F (−28 °C) on January 11, 1977.
The Cape Girardeau-Jackson, MO-IL metropolitan area is part of the Cape Girardeau-Sikeston-Jackson, MO-IL CSA and as of 2019 had a population of 135,045.
As of the census of 2010, there were 37,941 people, 15,205 households, and 8,466 families residing in the city. The population density was 1,334.5 inhabitants per square mile (515.3/km). There were 16,760 housing units at an average density of 589.5 per square mile (227.6/km). As of July 2021, it is estimated that the racial makeup of the city was 80.6% White (78.2% Non-Hispanic White), 12.7% Black or African American, 0.00% Native American, 3.0% Asian, 0.2% Native Hawaiian or Pacific Islander, and 3.0% from two or more races. Hispanic or Latino of any race were 3.1% of the population.
There were 15,205 households, out of which 26.0% had children under the age of 18 living in them, 38.8% were married couples living together, 12.8% had a female householder with no husband present, 4.0% had a male householder with no wife present, and 44.3% were non-families. 33.6% of all households were made up of individuals, and 11.4% had someone living alone who was 65 years of age or older. The average household size was 2.27 and the average family size was 2.89.
In the city, the population was spread out, with 19.3% under the age of 18, 20.2% between the ages of 18 and 24, 23.5% from 25 to 44, 22.2% from 45 to 64, and 14.7% who were 65 years of age or older. The median age in the city was 32.1 years. The gender makeup of the city was 47.4% male and 52.6% female.
As of the census of 2000, there were 35,349 people, 14,380 households, and 8,297 families residing in the city. The population density was 1,456.5 inhabitants per square mile (562.4/km). There were 15,827 housing units at an average density of 652.1 per square mile (251.8/km). The racial makeup of the city was 87.32% White, 9.30% Black or African American, 1.13% Asian, 0.39% Native American, 0.04% Pacific Islander, 0.43% from other races, and 1.40% from two or more races. Hispanic or Latino of any race were 1.10% of the population.
There were 14,380 households, of which 25.7% had children under the age of 18 living in them, 43.8% were married couples living together, 10.9% had a female householder with no husband present, and 42.3% were non-families. 33.6% of all households were made up of individuals, and 11.5% had someone living alone who was 65 years of age or older. The average household size was 2.24 and the average family size was 2.90.
In the city, the population was spread out, with 20.5% under the age of 18, 18.4% from ages 18 to 24, 25.6% from 25 to 44, 19.9% from 45 to 64, and 15.5% were 65 years of age or older. The median age was 34 years. For every 100 females, there were 89.5 males. For every 100 females age 18 and over, there were 86.9 males.
The median income for a household in the city was $36,502, and the median income for a family was $47,592. Males had a median income of $31,575 versus $21,392 for females. The per capita income for the city was $21,877. About 8.5% of families and 15.2% of the population were below the poverty line, including 16.5% of those under age 18 and 8.6% of those age 65 and over.
According to the Cape Girardeau Chamber of Commerce, there are more than 100 employers in Cape Girardeau who employ at least 100 workers. The top employers in the city are:
St. Francis HealthCare System serves the Cape Girardeau area. This system contains six different centers. St. Francis offers immediate care in Cape Girardeau and Perryville. Landmark Hospital is a 30-bed facility that treats patients with catastrophic or chronic medical conditions. St. Francis also has joint partnership with the Physician Alliance Surgery Center, which performs ear, nose, throat, and general surgery. The Black River Medical Center offers three beds and an emergency room. The main medical center is a 308-bed facility in Cape Girardeau that serves over 650,000 people. Patients come from Missouri, Kentucky, Tennessee, Illinois, and Arkansas. Some of the services offered at the main campus are the Neurosciences Institute, Orthopedic Institute, Family BirthPlace, Heart Hospital, Emergency and Trauma Center, Cancer Institute, and Fitness Plus.
Southeast Health is a health care system with its main facility, Southeast Missouri Hospital, located in Cape Girardeau. This healthcare system serves patients from southeast Missouri, western Kentucky, southern Illinois, and northern Arkansas. Southeast Health also has a cancer center, heart center, fitness center, breast care and diagnostic center, campus health clinic, diabetes center, pharmacy, and hospice. Additional hospice services, including respite for caregivers and grief & bereavement services can be found at Crown Hospice, which serves the Cape Girardeau and Poplar Bluff areas.
Cape Girardeau is a home rule city that utilizes the council-manager form of government. The Cape Girardeau City Council is the elected governing body. The city council consists of the mayor and six city council members. The mayor is directly elected at-large (citywide) for a four-year term and the city council members are elected from six wards for staggered four-year terms. Cape Girardeau elected its first female mayor, Stacy Kinder, in the 2022 Mayoral race.
In the Missouri General Assembly, Cape Girardeau is in the 27th Senate District and is currently represented by Republican Holly Rehder. Most of the city is included in the 147th Legislative District; small northern portions of the city are in the 146th Legislative District, represented by Republican Barry Hovis.
In the U.S. House of Representatives, Cape Girardeau is in Missouri’s 8th Congressional District and is currently represented by Republican Jason T. Smith of Salem in Dent County.
During the 2020 Democratic presidential primaries, Democrats in the city gave a majority of their votes to former Vice President Joe Biden. He received 1,635 votes (54.88%) out of the total 2,979 votes cast in the city. Bernie Sanders, who had won the city four years earlier in 2016, placed second with 1,241 votes (41.66%). Although she had suspended her campaign before the date of the Missouri primary, U.S. Senator Elizabeth Warren of Massachusetts garnered 35 votes (2.14%) to finish third ahead of U.S. Representative Tulsi Gabbard of Hawaii with 24 votes (0.81%). Former Mayor Michael Bloomberg of New York City followed in fifth with 17 votes (0.57%).
Although he did not face a serious primary challenge in 2020, incumbent President Donald J. Trump clinched 1,818 votes (97.53%) out of the total 1,864 votes cast in the city during the 2020 Republican presidential primaries. Among the 46 defections, 26 (1.40%) voted uncommitted while 10 voters (0.54%) choose former Governor of Massachusetts and 2016 Libertarian Party vice-presidential nominee Bill Weld and six voters (0.32%) opted for former U.S. Representative Joe Walsh of Illinois.
In the 2016 Republican presidential primaries, GOP voters in the city of Cape Girardeau backed U.S. Senator Ted Cruz of Texas with 2,802 votes (47.29 percent) over real estate entrepreneur Donald J. Trump who finished second with 2,159 votes (36.44 percent). Former Governor John R. Kasich of Ohio finished third with 568 votes (9.59 percent) ahead of U.S. Senator Marco Rubio of Florida with 267 votes (4.51 percent).
In the 2016 Democratic presidential primaries, Democratic voters in the city supported U.S. Senator Bernie Sanders of Vermont with 1,334 votes (52.64 percent) over former Secretary of State and U.S. Senator Hillary Rodham Clinton of New York with 1,179 votes (46.53 percent). Likewise, Clinton carried the city eight years earlier in the 2008 Democratic primaries with 2,057 votes (51.43 percent) over former U.S. Senator Barack Obama of neighboring Illinois who received 1,812 votes (45.30 percent) in the city. Former U.S. Senator John Edwards of North Carolina placed third with 102 votes (2.55 percent).
In the 2008 Republican presidential primaries, GOP voters in the city of Cape Girardeau supported former Governor of Massachusetts and current U.S. Senator Mitt Romney of Utah with 1,922 votes (38.48 percent) over former U.S. Senator John McCain of Arizona with 1,592 votes (31.87 percent). Former Governor Mike Huckabee of neighboring Arkansas placed in a not-so-distant third with 1,192 votes (23.86 percent) ahead of former U.S. Representative and libertarian Ron Paul of Texas with 193 votes (3.86 percent).
There are over 20 different schools in Cape Girardeau. These range from pre-kindergarten to higher education. Public and private and parochial school systems are present within the city.
The majority of Cape Girardeau (in Cape Girardeau County) is in Cape Girardeau Public Schools.
A portion in Cape Girardeau County is in the Jackson R-II School District.
Most of Cape Girardeau in Scott County is in the Scott City R-I School District, while a very small section is in Kelso C-7 School District.
The city has one public library: the Municipal Library District of the City of Cape Girardeau.
The City of Cape Girardeau has established a Transportation Trust Fund that implements a .5% local sales tax. All of that money is used on transportation improvement projects. General projects are also included to keep the city’s streets in good condition.
On June 15, 2000, the Cape Girardeau County Commission passed Resolution 00-06, which formed the Cape Girardeau County Transportation Commission. The CGCTA now offers transportation to the citizens of Cape Girardeau County, which ultimately benefits the citizens of the city of Cape Girardeau. The services that the CGCTA offer are primarily buses and taxis.
In 2011, Cape Girardeau launched the Ride the City campaign. This dedicated 16 miles of bicycle lanes in city streets. There are lanes that are used only by bicycles and lanes where motor vehicles and bicycles can share space.
Buses are offered to the citizens by the Cape Transit Authority and have several stops throughout the city. A general admission is $2, senior citizens are $1, and children ages 6 and under are free. Special pick-ups can be made to those who are disabled and live within three-fourths of mile from a designated stop. The Cape Girardeau County Transit Authority handles the city’s bus and taxi service. Greyhound buses are also available for long-distance transit. Cape Girardeau is home to local rideshare service, carGO technologies that provides rides from anywhere in Cape Girardeau to surrounding cities such as, Jackson and Scott city.
The City of Cape Girardeau owns the Cape Girardeau Regional Airport. This is a full-service airport that offers flights to and from O’Hare Airport in Chicago, Illinois.
