Owner Operator Insurance Requirements Saint Joseph, Missouri
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Saint Joseph, 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 Saint Joseph, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Saint Joseph, 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.
St. Joseph is a city in Andrew and Buchanan counties and the county seat of Buchanan County, Missouri, United States. Located on the Missouri River, it is the principal city of the St. Joseph Metropolitan Statistical Area, which includes Buchanan, Andrew, and DeKalb counties in Missouri and Doniphan County, Kansas. As of the 2020 census, St. Joseph had a total population of 72,473, making it the eighth largest city in the state, and the third largest in Northwest Missouri. St. Joseph is located roughly thirty miles north of the Kansas City, Missouri, city limits and approximately 125 miles (201 km) south of Omaha, Nebraska.
The city was named after the town’s founder Joseph Robidoux and the biblical Saint Joseph. St. Joseph is home to Missouri Western State University. It is the birthplace of rapper and songwriter Eminem, who grew up in and has made his career in Detroit, Michigan. In the nineteenth century, it was the death place of American outlaw Jesse James. It was also the starting point of the Pony Express serving the West.
St. Joseph was founded on the Missouri River by Joseph Robidoux, a local fur trader of French Canadian descent. It was officially incorporated in 1843. In its early days, it was a bustling outpost and rough frontier town, serving as a last supply point and jumping-off point for travelers on the Missouri River toward the “Wild West”. It was the westernmost point in the United States accessible by rail until after the American Civil War.
The main east–west downtown streets were named for Robidoux’s eight children: Faraon, Jules, Francois (Francis), Felix, Edmond, Charles, Sylvanie, and Messanie. The street between Sylvanie and Messanie was named for his second wife, Angelique.
St. Joseph, or “St. Joe”, as it was called by many, was a “Jumping-Off Point” for those migrants headed to the Oregon Territory in the mid-1800s. Such cities, including Independence, and St. Joseph, were where pioneers would stay and purchase supplies before they headed out in wagon trains across the Great Plains. The town was a very lively place.
Between April 3, 1860, and late October 1861, St. Joseph was one of the two endpoints of the Pony Express, which operated for a short period over the land then inaccessible by rail, to provide fast mail service. Along with the mail, the riders carried a small personal Bible. Today the Pony Express Museum hosts visitors in the former stables of the company. St. Joseph is identified by the slogan, “Where the Pony Express started and Jesse James ended.”
The town’s main hotel was Patee House. In the post-Civil War years, when the economy was down, the hotel was used for a time by the Patee Female College. It was occupied by the St. Joseph Female College up to 1880.
Outlaw Jesse James lived here under the alias “Mr. Howard”. The song, “Jesse James”, includes the lines, “…that dirty little coward that shot Mr. Howard has laid poor Jesse in his grave.” On April 3, 1882, James was killed at his home, originally located at 1318 Lafayette. It has been relocated next to the Patee House and still has the visible bullet hole from the fatal shot. It is now operated as the Jesse James Home Museum.
The Heaton-Bowman-Smith Funeral Home maintains a small museum about Jesse James. Their predecessors conducted his funeral.
St. Joseph was the second city in the US to install electric streetcars; regular service was initiated on July 4, 1888. Among properties listed on the National Register of Historic Places are Robidoux Row, buildings owned by the founder and used for his family trading and mercantile business; the Patee House, now serving as a museum displaying St. Joseph’s history, and the Missouri Theatre, an ornate movie palace. The Walnut Park Farm Historic District near St. Joseph was listed on the National Register of Historic Places in 1999.
St. Joseph’s population peaked in 1900, with a census population of 102,979. This population figure is questionable, as civic leaders were known to have tried to raise the numbers for that census. At the time, Saint Joseph was home to one of the largest wholesale companies in the Midwest, the Nave & McCord Mercantile Company, as well as the Hannibal and St. Joseph Railroad, and the C.D. Smith & Company. C.D. Smith later became C.D. Smith Healthcare.
Prior to 1954 and desegregation, Bartlett High School served St. Joseph’s African American students. It became Horace Mann Elementary with desegregation. St. Joseph’s African American community leaders and Nathaniel C. Bruce were involved in and supported the establishment of Bartlett Agricultural and Industrial School in Dalton, Missouri. It was modeled after Tuskegee Institute and Hampton Institute.
Saint Joseph is located on the Missouri/Kansas border in northwestern Missouri, also close to Nebraska; Iowa is another 70 miles farther north. The nearest major metropolitan area to St. Joseph is the Kansas City Metropolitan Area, which begins approximately 30 miles (48 km) to the south. The nearest major airport is Kansas City International Airport, which is approximately 35 miles (56 km) to the south. According to the United States Census Bureau, the city has a total area of 44.77 square miles (115.95 km), of which 43.99 square miles (113.93 km) is land and 0.78 square miles (2.02 km) is water.
Under the Köppen climate classification, St. Joseph has a humid subtropical climate (Cfa) bordering on a humid continental climate (Dfa), although under United States isotherms of 32 °F (0 °C) the station is firmly continental. The monthly weather averages listed below are taken from National Weather Service 1981–2010 normals recorded at Rosecrans Airport. Because of the airport’s location near the Missouri River and at a low elevation, official overnight lows during wintertime especially are often several degrees colder than at other places within the city. Snowfall is not recorded at the St. Joseph weather station although surrounding reporting stations typically receive 12-20 inches of snowfall annually.
As of the census of 2010, there were 76,780 people, 29,727 households, and 18,492 families residing in the city. The population density was 1,745.4 inhabitants per square mile (673.9/km). There were 33,189 housing units at an average density of 754.5 per square mile (291.3/km). The racial makeup of the city was 87.8% White, 6.0% Black, 0.5% Native American, 0.9% Asian, 0.2% Pacific Islander, 2.0% from other races, and 2.7% from two or more races. Hispanic or Latino of any race were 5.7% of the population.
There were 29,727 households, of which 32.0% had children under the age of 18 living with them, 42.0% were married couples living together, 14.5% had a female householder with no husband present, 5.7% had a male householder with no wife present, and 37.8% were non-families. 30.7% of all households were made up of individuals, and 12.2% had someone living alone who was 65 years of age or older. The average household size was 2.43 and the average family size was 3.01.
In the city, the population was spread out, with 23.6% under the age of 18; 11.7% between the ages of 18 and 24; 26.1% from 25 to 44; 24.9% from 45 to 64; and 13.8% who were 65 years of age or older. The median age in the city was 35.6 years. The gender makeup of the city was 49.8% male and 50.2% female.
As of the census of 2000, there were 73,990 people, 29,026 households, and 18,460 families residing in the city. The population density was 1,687.7 people per square mile (651.6 people/km). There were 31,752 housing units at an average density of 724.2 per square mile (279.6/km). The racial makeup of the city was 91.9% White, 5.0% Black, 0.5% Native American, 0.5% Asian, <0.1% Pacific Islander, 0.7% from other races, and 1.4% from two or more races. Hispanic or Latino of any race were 2.6% of the population.
There were 29,026 households, out of which 30.1% had children under the age of 18 living with them, 46.7% were married couples living together, 12.8% had a female householder with no husband present, and 36.4% were single-family households. 30.4% of all households were made up of individuals, and 13.2% had someone living alone who was 65 years of age or older. The average household size was 2.39 and the average family size was 2.98.
In the city, the population was spread out, with 24.1% under the age of 18, 11.6% from 18 to 24, 28.6% from 25 to 44, 20.3% from 45 to 64, and 15.4% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 95.6 males. For every 100 females age 18 and over, there were 92.7 males.
The median income for a household in the city was $32,663, and the median income for a family was $40,995. Males had a median income of $31,300 versus $21,592 for females. The per capita income for the city was $17,445. About 9.1% of families and 13.0% of the population were below the poverty line, including 15.5% of those under age 18 and 9.8% of those age 65 or over.
During the 1900 census, efforts by local officials, business leaders, and other city boosters to show rapid growth led to double-counting. The actual population in 1900 is believed to be closer to 75,000–80,000.
St. Joseph has a vibrant and diversified local economy. The local area supports a large food processing industry. Bio-fuels, meat and grains processing, candies, and various other products well known throughout North America are made in Saint Joseph. With this specific industry come other associated packaging and food processing equipment suppliers that employ many more persons.
Saint Joseph is at the center of the Kansas City Animal Health Corridor, which extends from Manhattan, Kansas, to Columbia, Missouri. With this advantageous location, St. Joseph is home to several animal health pharmaceutical, animal nutrition, and associated research facilities. Other agricultural products including herbicides for crop production are produced in St. Joseph.
TransitAmerica Services, a subsidiary of Herzog, provides conductors and other railway technical positions for transit rail systems nationwide. Herzog Contracting, parent company to Transit America, is based in the city and provides construction services, rail equipment, rail testing, and signaling services to freight and transit systems throughout North America and the Caribbean. Shown here are some of the largest employers in St. Joseph. Other privately held manufacturing companies are also top employers but they do not publicly disclose employment numbers. Saint Joseph has the third-largest manufacturing economy in Missouri, after Saint Louis and Kansas City. In June 2019, total employment in the St. Joseph Metropolitan Area was 65,099 persons.
St. Joseph is home to several retail areas, many of which are grouped along Belt Highway on the city’s east side. East Hills Mall is located at North Belt Highway and Frederick Boulevard. The mall opened in 1965, was expanded in 1988, and was renovated in 2001 with a far more extensive renovation in 2008 and 2009. Developed in 2005, the Shoppes at North Village is concentrated along North Belt Highway between approximately Cook and County Line roads. This serves as a regional shopping destination. Other shopping districts include Belt Center, Hy-Vee Shopping Center, Hillcrest Plaza, East Ridge Village, and Woodlawn Shopping Center. Saint Joseph’s trade area encompasses parts of northeast Kansas, northwest Missouri, southeast Nebraska, and southwest Iowa.
The St. Joseph School District operates three public high schools, four public middle schools and 16 public elementary schools in St. Joseph. There are three private grade schools, a private high school and a private K–12 Christian school. Two new elementary schools (Oak Grove and Carden Park) have been constructed, and both opened by the 2014–15 academic year. In addition, there is an active home education community that serves the city and surrounding areas. In higher education, St. Joseph is the home of a regional public university as well as a public university outreach center, a public technical school and a private technical school.
St. Joseph has a four-branch public library system. The system is overseen by the Library Board which consists of nine members appointed by the mayor, with city council approval, for three-year terms. The Downtown Library, located in downtown St. Joseph, houses the administrative offices for the library system. Carnegie Library and Washington Park Library are neighborhood branches that serve communities in the North and South ends of the city. East Hills Library is the largest branch, located off Interstate 29, which serves the greater St. Joseph area. Downtown Library and Carnegie Library were listed on the National Register of Historic Places in 1982 and 1990 respectively.
The St. Joseph Transit is publicly owned and provides bus service. Rosecrans Memorial Airport is a joint municipal/military owned airport for general aviation. It is the home of the 139th Airlift Wing of the Missouri Air National Guard, and does not have commercial service. The nearest commercial airport is Kansas City International Airport, which is approximately 35 miles (56 km) to the south.
The city is served by two Interstate highways, one proposed interstate, and four US Routes:
In addition, four state routes serve the city:
Numerous parks, golf courses, sports complexes, skate parks, a water park, a riverwalk along the Missouri River, and a small conservation area can be found throughout St. Joseph proper. The city is also nationally known for its 26-mile (42 km) parkway system, which is accompanied by an urban trail system. Two of the city’s largest parks are Krug Park and Hyde Park; these respectively anchor the parkway and urban trail on the north and south. A dog park has been added to the parkway system near Corby Pond.
St. Joseph currently ranks 201st largest designated market area out of 210 media markets in the United States (as ranked by Nielsen Media Research); the market covers six counties in northwestern Missouri (Holt, Worth, Nodaway, Andrew, DeKalb and Buchanan) and Doniphan County in northeastern Kansas. The St. Joseph area has three low-power and two full-power television stations, and ten radio stations. News-Press & Gazette, a media corporation, is headquartered in Saint Joseph. They have interests in numerous television, radio, and newspaper markets throughout the midwestern and western United States.
Due to its proximity to Kansas City, stations from that market serve as default affiliate of MyNetworkTV (KSMO-TV/Kansas City) and default member station of PBS (KCPT/Kansas City) due to the lack of stations of either network licensed to the market. ABC affiliate KQTV had long been the only major commercial station in St. Joseph, but in June 2012, the locally based News-Press & Gazette Company signed on KNPN-LD as a Fox affiliate, KBJO-LD as a CW+ affiliate, and KNPG-LD as a Telemundo affiliate. This in turn was followed by the conversions of KBJO-LD to NBC affiliate KNPG-LD in November 2016 (retaining the CW+ as a LD2 subchannel), and the original KNPG-LD (which assumed the KBJO-LD call letters) to CBS affiliate KCJO-LD in June 2017, ending out-of-market reliance for major network programming.