Trucking Insurance Coverages in Des Peres Missouri

Alternatives Insurance of Des Peres Will Provide You with Information You Need to Make an Informed Decision

87279bfc3061a0f84631426f_1920Alternatives Insurance of Des Peres is a leader in providing Trucking Insurance Coverages in Des Peres Missouri.  Our licensed agents have more than 60 years combined experience that we put to work for you!

Alternatives Insurance of Des Peres can help you protect your source of revenue, with coverages designed for professional truck drivers and trucking operations. We offer transportation insurance for most types of trucks, including Box trucks, Semi trucks, Flatbed trucks, Front loaders, Tank trucks, Tractors, Dump trucks, Auto hauler trailers, Garbage trucks, Pickup trucks, Flatbed trailers, and more.

Because trucking is a unique industry, insurance carriers offer different types of risks.  Additionally, the Federal Motor Carrier Safety Administration has specific insurance requirements for tractor trailers.   Our agents have access to multiple carriers that offer exclusive coverages and options to choose from. We can shop your insurance for you and find a company that is competitive with your specific insurance situation.

There are many optional Trucking Insurance Coverages in Des Peres Missouri to choose from.  The following is a brief list of trucking insurance coverages we will discuss with you:

General Liability Insurance – covers damages to another person resulting from an accident you cause.  Coverages Include:

  • Bodily Injury and Property Damage Liability
  • Personal Injury and Advertising Injury Liability
  • Medical Payments
  • Products / Completed Operations
  • Damage to Premises Rented to You – Note: Coverage available for 7 days or less

Primary Liability Insurance – covers the damage you might do to other people or property.  Primary Liability Insurance does not cover you or your truck, theft or bodily injury.  Click here to learn about the minimum amount of primary liability insurance that is set by the Federal Motor Carrier Safety Administration.

Trucking Insurance Coverages in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Motor Truck Cargo Coverage – provides insurance on the goods hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If you are in an accident, commercial cargo insurance will pay for destruction or damage to the load that is being carried.

Removal Expense Coverage  – protects you if your load is accidentally dumped on a roadway or waterway. The coverage pays for the cost to remove debris or extract pollutants caused by the debris.

Sue and Labor Coverage  – pays for costs related to preventing further loss to damaged cargo, legal expenses in the defense or settlement of claims.

Earned Freight Coverage – pays for the freight charges the customer loses because of not delivering a load.

Our agents will sit down with you to discuss the different Trucking Insurance Coverages in Des Peres Missouri and help you determine what best meets your situation.  Additional coverages include:

  • Workers Compensation
  • Medical Payments
  • Uninsured Motorist
  • Physical Damage
  • Trailer Interchange
  • Trucking Umbrella
  • Bobtail Insurance and Non Trucking Liability Insurance

As your partner in business, Alternatives Insurance of Des Peres is dedicated to providing you with the right transportation insurance solutions. Whether you are an owner-operator or manage a full fleet,  give us a call for a free consultation on your trucking business.  (314) 822-0100

Additional Resources:

Missouri Department of Transportation

Missouri Department of Motor Vehicles

Missouri Trucking Association

Missouri Department of Insurance

Federal Motor Carrier Safety Administration

Missouri Trucking Guide

 

 

 

Veterans: Alternatives Insurance of Des Peres Thanks You

AmericanFlagFlying_file8551271716475_MorgueAlternatives Insurance® of Des Peres Thanks all the Veterans for their Service to Our Country

Today  is a very special day.  A day to be thankful for the brave men and women who have and continue to sacrifice their lives for our freedom, safety, and way of life.

A day to spend some time in memory of those who gave their lives; to those who are injured; to remember their family and friends; to be thankful for those who continue to serve.

We owe our freedom and our lives to our Veterans.  Thank You All.

~ Alternatives Insurance® of Des Peres

Limo and Taxi Insurance in Des Peres Missouri

What Drivers and Transportation Companies Don’t Know

Limo and Taxi Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Because your business involves the transportation of people, you need coverage that protects your passengers and covers your risk for a liability claim.  You also need to be covered if an accident leaves you and your drivers exposed to a large liability claim.  Our agents will review every angle of coverage that limousine or taxi cab owners should consider.  The following lists some of the liabilities we will review to determine the best Limo and Taxi Insurance in Des Peres Missouri for you.

  • Protection for the drivers and your company if one of your employees decides to sue you.
  • Protection for drivers in the event that they are at fault for an accident.
  • Coverage for the cost of any property damage the drivers may cause while on the job.
  • Business interruption coverage if your vehicle is inoperable and your income is at stake.

Limo and Taxi Insurance in Des Peres Missouri is a specialized need because as a driver, you are absolutely responsible for the safety of passengers. It is important to get commercial insurance that covers your vehicle against damage, theft, and personal injury. As part of the Trusted Choice network, Alternatives Insurance of Des Peres specializes in commercial auto insurance and can shop multiple carriers to get you the best Limo and Taxi Insurance in Des Peres Missouri.

The premiums for your taxi or limo insurance policy will vary depending on several factors, such as number of years driving, personal circumstances and any additional coverages you need.   Here are a few items our agents will discuss with you that might help lower your premiums:

  • Commercial vehicle owners may be considered for a discount based off the driver’s experience.
  • Taxi insurance companies may offer a discount if you own a home.
  • Married drivers can get cheaper insurance for the same reason as home owners.
  • Executive/Limo drivers are considered low risk when comparing to taxi cab drivers.

Alternatives Insurance of Des Peres understands transportation is a specialized industry that requires complete attention to detail and analysis of liabilities.  Our licensed agents will review your liability and assets in order to identify the best insurance products that meet your needs.  We will consider personal injury insurance to cover the cost of accidents and injuries involving your limousine and uninsured/underinsured motorists coverage to protect you in the event you or one of your drivers is in an accident caused by a driver who does not have adequate insurance to pay your damages caused by them.

Limo and Taxi Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance of Des Peres will shop many carriers for you to get the right Taxi and Limo Insurance in Des Peres Missouri and, find discounts to make your insurance more affordable.  We serve all of Des Peres Missouri and surrounding areas, including Saint Louis County, Kirkwood, Webster Groves, Creve Coeur, Town and Country, Maryland Heights, Manchester and Ballwin.

Not only does Alternatives Insurance of Des Peres have the experience you need to manage large and small fleet insurance, we are also able to quote and bind policies at our office, which means faster service for you. For more information and to speak with one of our experienced agents, please feel free to call the office between Monday and Friday from 9am to 6pm. (314) 822-0100 OR click here to contact us.

Where to Learn More About Auto Insurance in Des Peres MO

Alternatives Insurance® of Des Peres Has The Answer!

Where to Learn More About Auto Insurance in Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100

Sometimes we can get inundated with information from insurance companies.  The best price, the best carriers, multi-discounts, etc.  In the new age of the internet we have access to resources that can help us find where to learn more about auto insurance in Des Peres MO – we understand it can be overwhelming.  Did you know, when you search “ where to learn more about auto insurance in Des Peres MO” on the internet, there are about 3,660,000 results!  That’s a lot of information at your fingertips!  Don’t waster your time sifting through a ton of information and trying to decipher what is right for you – call Alternatives Insurance® of Des Peres!  We are the best place to learn more about auto insurance in Des Peres MO.  Our expert agents are here to help you!

When searching where to learn more about auto insurance in Des Peres MO, State insurance departments are the best sources for company and agent licensing information.  The Missouri Department of Insurance is a valuable resource for consumers.  Here you can find laws & regulations, find forms and find a reputable insurance company.

The Missouri Department of Insurance also offers detailed information about companies regulated by The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP).  Here you can also verify that an agent or company is properly licensed, as well as providing contact information for that company.  You can also subscribe to DIFP’s newsletter that is chocked full of information for the consumer.

When searching where to learn more about auto insurance in Des Peres MO, be sure to investigate the company.  Some of the things you should be looking for is how much business the insurance company produced last year and if they’ve had any complaints.   There are thousands of free and subscription websites that offer a range of information, including reviews, reports, directories, listings, and gripe sites. The Better Business Bureau is the one place you can find it all.

Alternatives Insurance® of Des Peres takes pride knowing our professional staff provides exceptional service and value to our clients.  We combine years of experience,top-rated companies and products to provide you with accurate information while shopping for you. You save time and money and get the best value for your Des Peres Missouri insurance needs.

This blog and our site are dedicated to providing useful Missouri Insurance and Financial Services information and resources.   Below  is a summary of our resources:

  • Blog Post are segmented by Categories which are links found on the right sidebar.
  • Relevant Insurance and Financial Services Authority Sites are also links on the right sidebar.
  • Relevant Feeds of Summary Articles from Authority Sites are on the right sidebar.
  • Authority Links are often found on individual Posts as referenced documentation.
  • Quotes–get a free, no obligation risk assessment and  quote—Call or eMail a request.
  • Client Services–From Claims to Policy Changes–click Client Services tab on the top Nav Bar.

Alternatives Insurance® of Des Peres is where to learn more about auto insurance in Des Peres MO.  Contact us today for your free assessment.

Where to Learn More About Home Insurance in Des Peres MO

Our Agents Are Ready To Help!

Where to Learn More About Home Insurance in Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres licensed professionals are available to help business owners know where to learn more about home insurance in Des Peres MO. We understand the importance of protecting an investment and being able to enjoy life knowing the right business insurance is in place.

Not any homeowner policy is the same. Your policy includes literally dozens of options and there are many decisions you must make that determine how much insurance protection you actually have and/or need.  Your home insurance decisions are not to be taken lightly.  It is imperative to insure all that you have in case of a detrimental loss.

There are countless insurance products and coverages, sold by more than hundreds of insurance companies. Some of the coverage terms you will find on your declaration page includes dwelling coverage and personal property coverage.

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What are Auto Insurance Requirements in Des Peres MO?

Avoiding the Risk of Financial Loss

What are Auto Insurance Requirements in Des Peres MO? | Alternatives Insurance® of Des Peres | (314) 822-0100Many drivers are unaware of the insurance requirements in Des Peres Missouri and begin to search online for “ What are Auto Insurance Requirements in Des Peres MO? “   Alternatives Insurance® of Des Peres agents are here to help you understand the requirements for auto insurance and the potential danger if you do not have the proper coverage.

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Where to Buy Auto Insurance in Des Peres Missouri

The Best Value and Customer Service

Where to Buy Auto Insurance in Des Peres Missouri | Alternatives Insurance® of Des Peres | (314) 822-0100So you here several commercials everyday on where to buy auto insurance in Des Peres Missouri. But are you getting a local agent or are you talking to an 800 number?  Alternatives Insurance® of Des Peres is a locally-owned, full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines insurance carriers.

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Auto Insurance Coverages Des Peres MO

Alternatives Insurance® of Des Peres Will Shop Insurance For You!

Auto Insurance Coverages Des Peres MO | Alternatives Insurance® of Des Peres |  (314) 822-0100

 

Auto Insurance doesn’t have to be confusing!   We know searching for ” Auto Insurance Coverages Des Peres MO ” can be a daunting task for many people, that is why agents at Alternatives Insurance® of Des Peres are ready to help!  There are hundreds of auto insurance companies that offer a variety of discounts, benefits and options.  Alternatives Insurance® of Des Peres shops the insurance companies to get you the right coverage for your needs.

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Home Insurance Agent Des Peres MO

Alternatives Insurance® of Des Peres Is Your Trusted Partner

Home Insurance Agent Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Often times clients tell us they found our agency by searching online for ” Home Insurance Agent Des Peres MO .”  Just recently — one of our new clients asked about the Trusted Choice Pledge.

My answer in short, by taking the pledge of a Trusted Choice® agency, we are dedicated to you and are committed to treating you as a person, not a policy.

Now my questions are… do you have an insurance agent you never met? Do you have a trusting relationship with your agent?

Alternatives Insurance® of Des Peres agents pride ourselves on the fact that we take great interest in our clients’ and their family’s well-being. It is important that our clients trust the staff and licensed agents of our company.

We sit down with our clients and give a comprehensive account review to make sure they have the best protection.  We will explain the coverage options, benefits, and potential risks based off their needs versus current their current insurance coverages. We take the time to walk our client’s through every step of the decision process to make their experience as educational and informative as possible.

Alternatives Insurance® of Des Peres opened in 2007 as a full service, Independent Insurance Agency. We are proud to be a corporate location member of the Alternatives Insurance® Group.  Our licensed Producers have a combined 60+ years of experience and are dedicated to providing every client with products tailored to fit their individual needs. Whether it’s personal or business insurance, we provide the tools, resources, and superior customer service.

You can find dozens, if not hundreds, of local Des Peres insurance agents in your telephone book or on the internet. Thanks to the internet you can also go directly to many insurance companies and get a quote. If you like the quote you can often buy a policy by filling out a few more forms, right on the spot. This is where the customer relationship has a disconnect.  We schedule an appointment to meet in person, get to know you and listen.

Our independent agents can access insurance coverage from multiple carriers such as Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Progressive, The Hartford, Madison Mutual, West Bend, Chubb and dozens more.  Alternatives Insurance® of Des Peres, Missouri serves all of Des Peres Missouri and surrounding areas, including Saint Louis County, Kirkwood, Webster Groves, Creve Coeur, Town and Country, Maryland Heights, Manchester and Ballwin.

We can handle all of your insurance in one place and shop many carriers for you to get you the best protection, at the best price.  We conveniently offer an entire solution for all your personal insurance and business needs.  Our agents are licensed to sell and are knowledgeable in many areas of the insurance industry, including the following products:

PERSONAL INSURANCE

  • Auto Insurance
  • Homeowners Insurance
  • Life Insurance
  • Motorcycle Insurance
  • Boat & Watercraft
  • Flood Insurance

BUSINESS INSURANCE

  • General Liability
  • Commercial Auto
  • Workers Compensation
  • Commercial Building Property
  • Business Personal Property
  • Business Umbrella Policies

 

Home Insurance Agent Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres agents are advisors you can trust.  Our agents are trained to assess your needs, offer unbiased advice and support you, should the unexpected happen. We believe your home insurance agent can handle your full range of insurance needs all in one place.

So why not do business with a local Des Peres Missouri Insurance Agent who can very likely get you a better deal than you can get for yourself?

Alternatives Insurance® of Des Peres is committed to outstanding customer service.  We start by offering the best insurance products at a reasonable price. But it’s the Alternatives Insurance® of  Des Peres team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

Our team is committed to professionalism.  Our dedication to superior client service comes from a culture of professionalism and respect. All of our associates at Alternatives Insurance® of Des Peres have strong credentials and all of our policies are presented to you in a consistent and professional manner.

You can depend on us to solve problems quickly.  Alternatives Insurance® of Des Peres has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

Our agents have a strong work ethic and are committed to earning and maintaining your trust.  We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Any questions?  Contact one of our professionals and we’ll be happy to spend the time with you in person!  Our service to you is number one priority. We thank you in advance for your trust, and rest assured we will earn it!

 


 

Alternatives Insurance® of Des Peres is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice® Pledge.

The agents of Alternatives Insurance® of Des Peres are fully licensed and comply with the Missouri Bureau of Insurance requirements.  Once our Des Peres Missouri Insurance Agent receives a license we ensure they comply with continuing education requirements and complete courses approved by the Missouri Insurance Department.  All of our agents throughout the company are compliant and ready to work for you.

 

Auto Insurance Quote Des Peres MO

If you have you been searching online for the best “Auto Insurance Quote Des Peres MO”, your search is over!

Auto Insurance Quote Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres is a full service Independent Insurance Agency that represents many of Missouri’s premier insurance carriers. Alternatives Insurance® of Des Peres can provide you with the best Auto Insurance Quote Des Peres MO.  Serving all surrounding counties including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.  Our professional insurance agents at Alternatives Insurance® of Des Peres can help you get the best value for your auto insurance needs.

We proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens more.  Des Peres Missouri Auto Insurance coverages have many components and rates vary from company to company. Sometimes insurance companies have better rates or offers in certain demographics. Just because your current carrier offered the best price 2 years ago doesn’t mean they are still the best buy.

The best car insurance purchase decision is often made with the help of a local, professional insurance agent. Insurance protection is different for every driver and each type of vehicle. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault. Prices will also vary depending on where the driver lives.  A person who lives in a major city – for example New York or Los Angeles – will pay more than someone who lives in a small town, despite the two having the same driving records.

Insurance rates vary by many factors, and we highly recommend you to discuss the options with your Alternatives Insurance® of Des Peres agent. As your life transitions, you should also review your auto insurance coverages. With all the variables in auto insurance rating tiers, you may not be protected properly or not paying the best price for the coverages you need. You should discuss any life changes with your agent – it could cost you more money in the long run, or you could receive substantial discounts. The types of life changing events include marital status, credit score, safe driving, or just the opposite, recent traffic violation, a change in the number or types of vehicles you own, and more.  You owe it to yourself to purchase the best coverage for the best price.

Alternatives Insurance® of Des Peres is committed to outstanding customer service.  We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs.Auto Insurance Quote Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100 Our professional agents can handle your transactions with ease and can help you understand your risks, the proper coverage, and benefits.

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at Alternatives Insurance® of Des Peres have strong credentials and stay on top of current trends in the insurance industry.  We can find the best Auto Insurance Quote Des Peres MO can offer.

Alternatives Insurance® of Des Peres has strong relationships with insurance carriers, allowing us to provide quick turnaround time on all your questions, needs, and insurance claims.  We train our staff members to be proactive and provide the right answers, helping our customers understand their insurance coverages.

Trust is the most important attribute in our agency.  We earn your trust by becoming your partner and ensure we listen to our customers and provide top notch service. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Your search for “Auto Insurance Quote Des Peres MO, is over.   Welcome to Alternatives Insurance® of Des Peres.

Stop by and visit Alternatives Insurance® of Des Peres or call to get the most affordable Auto Insurance Quote in Des Peres MO.  Agents are available for after hours appointments and Saturdays.  Call (314) 822-0100

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