Owner Operator Insurance Requirements Independence, Missouri
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Independence, 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 Independence, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Independence, 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.
Independence is the fifth-largest city in Missouri and the county seat of Jackson County. Independence is a satellite city of Kansas City, Missouri, and is the largest suburb on the Missouri side of the Kansas City metropolitan area. In 2020, it had a total population of 123,011.
Independence is known as the “Queen City of the Trails” because it was a point of departure for the California, Oregon, and Santa Fe Trails. It is the hometown of U.S. President Harry S. Truman, with the Truman Presidential Library and Museum, and the gravesites of Truman and First Lady Bess Truman. The city is sacred to the Latter Day Saint movement, as the home of Joseph Smith’s 1831 Temple Lot, and the headquarters of several Mormon denominations.
Independence was originally inhabited by Missouri and Osage Native Americans, followed by the Spanish and a brief French tenure. It became part of the United States with the Louisiana Purchase in 1803. Lewis and Clark recorded in their journals that they stopped in 1804 to pick plums, raspberries, and wild apples at a site that would later form part of the city. Independence was also a stopping point for the “Donner Party”, an ill fated group of 19th Century wagon train emigrants whose westward journey along the California Trail ended in disaster; spawning one of the most well known and taboo stories of pioneer era America.
Named after the Declaration of Independence, Independence was founded on March 29, 1827, and quickly became an important frontier town. Independence was the farthest point westward on the Missouri River where the steamboats or other cargo vessels could travel, due to the convergence of the Kansas River with the Missouri River approximately six miles west of town, near the current Kansas-Missouri border. Independence immediately became a jumping-off point for the emerging fur trade, accommodating merchants and adventurers beginning the long trek westward on the Santa Fe Trail.
In 1831, members of the Latter Day Saint movement began moving to the Jackson County, Missouri area. Shortly thereafter, founder Joseph Smith declared a spot west of the Courthouse Square to be the place for his prophesied temple of the New Jerusalem, in expectation of the Second Coming of Christ. Tension grew with local Missourians until the Latter Day Saints were driven from the area in 1833, the beginning of a conflict which culminated in the 1838 Mormon War. Several branches of this movement gradually returned to the city beginning in 1867, with many making their headquarters there. These include the Community of Christ (formerly the Reorganized Church of Jesus Christ of Latter Day Saints), the Church of Christ (Temple Lot), the Church of Jesus Christ (Cutlerite) and the Restoration Branches.
Independence saw great prosperity from the late 1830s through the mid-1840s, while the business of outfitting pioneers boomed. Between 1848 and 1868, it was a hub of the California Trail. On March 8, 1849, the Missouri General Assembly granted a home-rule charter to the town and on July 18, 1849, William McCoy was elected as its first mayor. In the mid-19th century an Act of the United States Congress defined Independence as the start of the Oregon Trail.
Two important Civil War battles occurred at Independence: the first on August 11, 1862, when Confederate soldiers took control of the town, and the second in October 1864, which resulted in a Union victory. The war took its toll on Independence and the town was never able to regain its previous prosperity, although a flurry of building activity took place soon after the war. The rise of nearby Kansas City also contributed to the town’s relegation to a place of secondary prominence in Jackson County, though Independence has retained its position as county seat to the present day.
United States President Harry S. Truman grew up in Independence, and in 1922 was elected judge of the county Court of Jackson County, Missouri (an administrative, not judicial, post). Although he was defeated for reelection in 1924, he won back the office in 1926 and was reelected in 1930. Truman performed his duties diligently, and won personal acclaim for several popular public works projects, including an extensive series of fine roads for the growing use of automobiles, the building of a new County Court building in Independence, and a series of 12 Madonna of the Trail monuments to pioneer women dedicated across the country in 1928 and 1929. He would later return to the city after two terms as president. His wife, First Lady Bess Truman, was born and raised in Independence, and both are buried there. The Harry S. Truman National Historic Site (Truman’s home) and the Harry S. Truman Presidential Library and Museum are both located in Independence, as is one of Truman’s boyhood residences.
Independence is located on the south bank of the Missouri River, near the western edge of the state. According to the United States Census Bureau, the city has a total area of 78.25 square miles (202.67 km), of which 77.57 square miles (200.91 km) is land and 0.68 square miles (1.76 km) is water.
The Independence City Council is made up of six members. four are elected to represent one of the city districts, the other two are elected by the city as a whole. The City Mayor also sits on the City Council and serves as the “Head of Government” for the city, The Mayor can vote on legislation with the council but does not have the right to veto. Members serve a four-year term, beginning on January 1 following the election.
The Independence Municipal Court is currently seated by two members. Judges are appointed by the City Mayor and serve a 4-year term. Judges may be reappointed for multiple terms by the Mayor or the City Council.
As of the census of 2010, there were 116,830 people, 48,742 households, and 30,165 families residing in the city. The population density was 1,506.1 inhabitants per square mile (581.5/km). There were 53,834 housing units at an average density of 694.0 per square mile (268.0/km). The racial makeup of the city was 85.7% White, 5.6% African American, 0.6% Native American, 1.0% Asian, 0.7% Pacific Islander alone (1.0% Pacific Islander alone or in combination with one or more other races), 3.2% from other races, and 3.2% from two or more races. Hispanic or Latino of any race were 7.7% of the population. Non-Hispanic Whites were 82.2% of the population, down from 98.4% in 1970.
There were 48,742 households, of which 29.3% had children under the age of 18 living with them, 42.5% were married couples living together, 13.9% had a female householder with no husband present, 5.4% had a male householder with no wife present, and 38.1% were non-families. 31.7% 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 2.37 and the average family size was 2.97.
The median age in the city was 39.4 years. 23% of residents were under the age of 18; 8.6% were between the ages of 18 and 24; 24.9% were from 25 to 44; 27.4% were from 45 to 64; and 16.1% were 65 years of age or older. The gender makeup of the city was 48.0% male and 52.0% female.
As of the census of 2000, there were 113,288 people, 47,390 households, and 30,566 families residing in the city. The population density was 1,446.3 inhabitants per square mile (558.4/km). There were 50,213 housing units at an average density of 641.1 per square mile (247.5/km). Independence has a population of 111,806 in 1980 and 112,301 in 1990. The racial makeup of the city was 91.87% White, 2.59% African American, 0.70% Asian, 0.64% Native American, 0.46% Pacific Islander, 1.43% from other races, and 2.31% from two or more races. Hispanic or Latino of any race were 3.69% of the population.
There were 47,390 households, out of which 28.1% had children under the age of 18 living with them, 47.9% were married couples living together, 12.3% had a female householder with no husband present, and 35.5% were non-families. 30.1% of all households were made up of individuals, and 11.3% had someone living alone who was 65 years of age or older. The average household size was 2.37 and the average family size was 2.93.
In the city, the population was spread out, with 23.9% under the age of 18, 8.7% from 18 to 24, 28.9% from 25 to 44, 23.0% from 45 to 64, and 15.5% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 91.6 males. For every 100 females age 18 and over, there were 87.3 males.
The median income for a household in the city was $38,012, and the median income for a family was $45,876. Males had a median income of $34,138 versus $25,948 for females. The per capita income for the city was $19,384. About 6.4% of families and 8.6% of the population were below the poverty line, including 11.8% of those under age 18 and 6.7% of those age 65 or over.
According to the town’s 2016 Comprehensive Annual Financial Report, the top employers in the city are:
Four school districts have areas within the city: Independence, Blue Springs, Fort Osage Schools, and Raytown. Three public high schools are located within the city limits: Truman High School, Van Horn High School, and William Chrisman High School; and two private high schools, Center Place Restoration School and Family Christian Academy, are also. Fort Osage High School is adjacent to but not inside the city limits.
Prior to Fall 2008, parts of western Independence in the Van Horn feeder pattern resided in the Kansas City, Missouri School District, but all of these students are now part of the Independence school district.
Independence played an important role in the early history of the Latter Day Saint movement, and is home to the headquarters of several separatist denominations of the Latter Day Saint movement, most notably the Community of Christ (formerly the Reorganized Church of Jesus Christ of Latter Day Saints), whose Temple is located there. Other Latter Day Saint denominations headquartered in the city include the Church of Christ (Temple Lot) and the Church of Jesus Christ (Cutlerite), among others. A number of Restoration Branches are also located in and around Independence, and the Church of Jesus Christ of Latter-day Saints maintains a visitor center in the town.
The Community of Christ has built a temple in Independence, and also maintains a large auditorium and other buildings nearby. The Church of Jesus Christ of Latter-day Saints operates a sizable visitors’ center adjacent to the Community of Christ Temple, and across the street from the original Temple Lot designated by Joseph Smith in 1830. The Lot itself is occupied by a small white-frame church building that serves as the headquarters and local meeting house for the Church of Christ (Temple Lot).
There are five Catholic churches and several Episcopal churches in Independence.
One of the oldest churches in Independence is the First Presbyterian Church, founded in 1826. It was here in 1890 that Harry Truman first met Elizabeth (Bess) Wallace. Truman eventually married her after his return from World War I in 1919.
Santa-Cali-Gon Days is an annual Labor Day festival held in Independence intermittently since 1940 and continuously since 1973, celebrating the city’s heritage as a starting point of three major frontier trails: the Santa Fe, California and Oregon. Santa-Cali-Gon gathers everyone in the town to vend to the populous and makes for a great time for all ages. Another popular annual festival is the Vaile Strawberry Festival, which is held on the first Saturday of June at the Vaile Mansion, 1500 N. Liberty, five blocks north of the historic Square. The Independence Heritage Festival is a celebration of the diverse culture that exist in Independence. The Independence town square features numerous family-owned shops surrounding the old main courthouse, which was modeled after Philadelphia’s Independence Hall. This courthouse houses Harry S. Truman’s former courtroom and office.
Blue River Community College features a soccer program with a men’s team and women’s team. The Trailblazers (men) went all the way to the NJCAA Region 16 semifinals before concluding their season. The Lady Trailblazers (women) finished as runners up in the region. The Cable Dahmer Arena is home of the Kansas City Mavericks, a minor-league hockey team in the ECHL. Silverstein Eye Centers Arena is also the home of Kansas City Comets of the Major Arena Soccer League, the top level of professional indoor soccer. Crysler Stadium is the home of the collegiate summer baseball Independence Veterans of the Mid-Plains League.
Local recreational sports teams include:
YMCA and Parks and Recreation have programs for various sports for all people.
In 1978, Independence gained sister city status with Higashimurayama, Tokyo, Japan. Higashimurayama Street is south of Truman Rd. between Memorial Dr. and Lynn St., between City Hall and the Independence Square. This twinning is commemorated by a Zen Garden, near E Lexington Ave. and Memorial Dr.
Independence Power & Light (IPL) is a local electric power plant owned and operated by the city. It was established in 1901 and has undergone many changes and upgrades. One change was moving from the old Dodgion Street plant (where the Roger T. Sermon Center stands now) to the Blue Valley Plant near Truman Rd. and MO-78/Lake City-Buckner Rd. IPL also draws power from other sources: the Missouri City Power Plant, and the Kansas City Power and Light Company (KCP&L), through several 69 and 161 kilovolt transmission interconnections. IPL has an “Out of Sight” power line burial program. After signing an agreement with TradeWind Energy in July 2008, IPL will begin purchasing annually 15 megawatts of renewable energy from the Smoky Hills Wind Farm (a wind turbine facility) in Kansas.