Posts

Dump Truck Insurance in Des Peres Missouri

How Do You Get The Help You Need To Choose The Right Insurance For Your Business?

Dump Truck Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance of Des Peres is a full service insurance agency that has  years of experience with Dump Truck Insurance in Des Peres Missouri.   Our insurance agents will shop your dump truck insurance and save you time and money by comparing rates from multiple insurance companies.

Our licensed agents work with dump truck private contractors, those who owns a single dump truck, and business owners who own a full fleet of heavy-duty commercial hauling vehicles.  We work with our carriers to insure Super Dump Trucks, Heavy Duty Haulers, Salt, Sand and Gravel Trucks, Six and Ten Wheelers, and more.

Individually owned trucks or corporate vehicles that are used on the roads and highways of the United States are required to carry commercial auto insurance; especially if they are used for hauling cargo for reasons of commerce.  Commercial insurance is perfect for dump trucks, car haulers, logging trucks, fleets of small vans, refrigerated trucks, and flat bed semi-trucks.

Dump truck drivers should have at least the mandatory coverage required to operate commercial vehicles.  The basic policy should include bodily injury and property damage liability coverage amounts required by Missouri law.  The current minimum requirements are:

  • Freights – $750,000 to $5,000,000; depending on what is being transported
  • Vehicles weighing less than 10,001 lbs. – $300,000; transporting non-hazardous freight
  • Passenger vehicles – $5,000,000
  • Passenger vehicles with a seating capacity of 15 passengers or fewer – $1,500,000

Premium costs are affected by many factors, including the type(s) of vehicle(s) you own and the risks for potentially large liability claims involved in commercial incidents.  Additionally, Dump Truck Insurance Cost can vary based on a number of factors that the Dump Truck Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Department of Insurance considers.  These include:

  • The dump truck itself,
  • what you’re hauling,
  • where you’re hauling,
  • the driving records of whomever is driving the dump truck,
  • personal items anyone may be carrying in the cab, and
  • the length of time a driver has been operating the type of dump truck they want to insure.

Average Commercial Vehicle Insurance Rates*

  • Commercial car insurance cost: $1,200 to $2,400
  • Commercial truck insurance cost: $800 to $2,000
  • Commercial taxi insurance cost: $5,000 to $10,000
  • Commercial bus insurance cost: $35,000
  • Commercial tractor trailer insurance cost: $2,500+

*According to the Trusted Choice Network

Commercial Insurance Discounts

When our agents are shopping your Dump Truck Insurance we consider special rates relating to driving history, the experience of the drivers, and the business uses of the commercial vehicles.  We also consider general vehicle insurance discounts and savings that are specific to dump trucks, tractor trailers or other trucks you may use.

Dump Truck Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100You may benefit from one or many of the following commercial insurance discounts:

Commercial Driver’s License  –  Business Experience

Loyalty Discounts  –  Multi-Policy Discount  –  Higher Deductibles

Pay in Full Discount  –  Pay By Electronic Funds Transfer (EFT)

Federal Liability Limit Minimums for Commercial Vehicles

department of transportation logoAlternatives Insurance of Des Peres goes above and beyond most insurance agencies.  We know Dump truck owners are required to have a financial responsibility filing that shows proof they are properly insured to protect them and other drivers from high-risk situations.  Our agents  have the knowledge to assist drivers with the state and federal commercial auto insurance filings and will be happy to process the required state filings on your behalf.

So, what are you waiting for?  Contact one of our licensed insurance agents to schedule a free insurance evaluation or call now (314) 822-0100

 

Tow Truck Insurance in Des Peres Missouri

Alternatives Insurance of Des Peres is Your Towing Insurance Partner

Tow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance of Des Peres helps tow truck business owners and operators with their transportation insurance needs.  Our professional agents have the knowledge necessary to help to truck owners and operators understand the different options, and requirements, for Tow Truck Insurance in Des Peres Missouri.  We work with a variety of towing service companies throughout the Des Peres area including Saint Louis and Jefferson counties, Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.

Tow truck service companies and individual owner operators MUST carry tow truck insurance. Failure to keep the minimum insurance requirements on your tow truck could result in fines and/or you could have your commercial driver’s license suspended. Our agents can help you get on track so you do not risk losing your livelihood.  As a your partner, it is important to make certain you and your business are protected if there should be an accident.

We will shop your Tow Truck Insurance in Des Peres Missouri!

For current business owner and operators, our agents will begin by reviewing your existing tow truck insurance policy and assess any potential risks.  A Towinig Insurance policy should include the standard forms of liability insurance that all motor vehicle owners are required to carry by Missouri law.  Standard insurance coverages include Bodily Injury, Property Damage, Collision and Comprehensive, and Uninsured/Underinsured Motorist Coverage.

Consider this scenario for example:

Employee #1, a 42-year-old male tow truck driver, had loaded a vehicle onto a flatbed truck by pulling the car onto the bed using the truck winch. When the employee attempted to disengage the vehicle from the winch, the steel cable snapped and the vehicle fell down onto the bed. The employee’s left arm was crushed by the vehicle’s front tire as the vehicle fell.  The employee was transported to a local hospital, where he underwent surgery for a fractured left forearm.

Employee #1 is a W2 employee for a vehicle towing service company.  How will the employee afford to pay his/her medical bills in this case? What if the employee is put on temporary disability?  If the vehicle was damaged during the tow, who will pay for the vehicle that was damaged?  As your agent we look at the overall big picture.  There is much more risk to owning and operating a tow truck business than most realize.

Our agents can help you identify specialized Towing Insurance coverages
that your business may require.

 

On-Hook Towing Insurance

Tow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100This coverage will help pay for damages to vehicles you are towing.  The on-hook coverage is generally provided by the garage keepers’ legal liability (GKLL) endorsement (see below). The GKLL limit is a blanket limit that applies to all towing vehicles on the policy.

 

Garage Keepers Legal Liability InsuranceTow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

This will cover vehicles you are storing for clients.  The GLL insurance is usually provided as an automatic endorsement that is added to the Business Auto coverage. This liability coverage covers loss of, or physical damage to vehicles being towed, and while in your care, custody, or control and is designed for towing and wrecker service businesses.  As mentioned above, the on-hook coverage of garage keepers’ legal liability insurance provides coverage for a non-owned vehicle that you are towing.

 

Motor Truck Cargo InsuranceTow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

Motor Truck Cargo insurance is provided via an endorsement to insure items other than motor vehicles licensed for road use.  This coverage provides legal liability for towing companies while transporting property (cargo) of others.  Since the towing operator is seen as a common carrier, they are responsible for the safe delivery of the goods they are transporting (customer’s vehicles and the contents of the vehicle), and thus owe a very high degree of care to their customer.

 

Business Income & Extra Expense InsuranceTow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

Business income insurance & expense coverages will reimburse your towing business for loss of income and profits if your property is damaged from a covered peril and out-of-service.  The coverage continues until the property can be restored or replaced, or until the limit has been reached. The extra expense coverage includes extra expenses that business must make during the time of loss such as rent, mortgage payments, taxes, and utility services.

 

Miscellaneous Property FloaterTow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

A miscellaneous property floater covers your business personal property that is in transit such as tools and other cargo that you have in your tow truck. This coverage will protect against risks of direct physical loss or damage to your scheduled covered property.

 

 


Tow Truck Commercial Insurance Filings

Because the transportation industry requires different trucking operations to file different documentation, our agents are here to help our clients with the State and Federal Transportation Insurance Filing Forms including those listed below.

Before diving into the different requirements, understanding the following definitions may help you get a clearer picture of these requirements:

  • Motor carrier – A company that transports passengers or property for compensation.
  • Freight forwarder – An individual or entity that provides transportation of property AND:
    • Assembles and consolidates shipments and performs distribution operations of the shipments.
    • Assumes responsibility for the transportation from the place of receipt to the place of destination.
    • Uses a rail, motor carrier, or water carrier for any part of the transportation.
  • Freight broker – An individual or company that arranges transportation of property by a motor carrier.

 

Federal & Intrastate Truck Filings and Forms

BMC-32 filing   |   BMC-34 filing   |   BMC-91 & BMC-91X filing   |   MCS-90 form   

Form E filing   |   Form F filing   |   Form H filing   |   Form K filing

 


Tow Truck Insurance Resources

 Federal Motor Carrier Safety Administration    |    www.fmcsa.dot.gov

US Department of Transportation    |    www.dot.gov

The National Transportation Safety Board    |    www.ntsb.gov

Directory of State Patrol and State Police    |    https://www.statetroopersdirectory.com

Missouri State DOTs and MVRs    |    www.modot.orgwww.dor.mo.gov/mvdl

Tow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

Alternatives Insurance of Des Peres is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  Our agents go above and beyond just insurance – we help our clients understand the options available to protect their investment … and we work to earn the trust of our clients.

If you have been search for Tow Truck Insurance in Des Peres Missouri, your search is over!

Contact us today for a free evaluation of your current Tow Truck Insurance policy.

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

 

 

 

Livery Insurance Coverages in Des Peres Missouri

There are a Variety of Coverages to Consider When Purchasing Limo and Taxi Insurance

Livery Insurance Coverages in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres is devoted to our clients and our commitment includes helping our clients stay of the insurance requirements for Livery Insurance Coverages in Des Peres Missouri.  Livery Insurance Coverages in Des Peres Missouri are required for limo and taxicab companies, whether they are individually operated, or a large fleet enterprise.

There are many insurance coverage features available to protect your business and it is our responsibility to ensure we can find the right insurance package that meet our clients’ needs.  Below is a list of some of the coverages…. but not all the coverages… that our agents will explain and discuss with you.

  • Uninsured/Underinsured Motorists – Provides coverage if you are involved in an accident in which the other driver was at fault, and they did not have adequate coverage to pay the cost of damages. Missouri law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
  • Medical Payments – Bodily Injury will cover victims if property damage or injuries occur if the limousine driver is at fault. Property damage liability will cover the cost if damage occurs to things, such as a garage, mailboxes, or fences.
  • Personal Injury – This type of protection covers the cost if there is an accident with injuries. This will cover part of medical costs, rehabilitation bills, funeral expenses, and lost wages at work. If a pedestrian was injured, this type of coverage will pay their expenses, and it does not matter whose fault the accident was.
  • Physical Damage – Covers the cost if there is a collision with an object. Comprehensive insurance covers damage that occurs as a result of fire, rocks, animals, etc.
  • Employment Practices Liability – If a limousine operator is accused of things such as sexual harassment, wrongful termination or discrimination, this type of insurance will protect the business.

It is our job to stay educated by the latest trends and pricing tiers in the transportation insurance industry.  We understand obtaining Livery Insurance Coverages in Des Peres Missouri can be complicated, and we are here to help!

Livery Insurance Coverages in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres aims to protect our clients and their businesses by providing a proactive approach to their insurance needs.  Our licensed agents have an abundance of knowledge in the transportation industry and are well-qualified to handle Livery Insurance Coverages in Des Peres Missouri.  Our agents have direct appointments with several insurance carriers where we can shop for you to find the best coverage at the best price.  We take the time to analyze the customer’s business type, insurance business needs and state-mandated requirements, and explain them in a language our clients can understand.

Before your appointment, make sure you have details of your business so we can get the most accurate Limo and Taxi Livery Insurance Quote.  The following is a list of items you will need to begin a Limo and Taxi Insurance Quote:

  • Complete vehicle description including the model, year, ID number, and serial number.
  • Use of the vehicle and geographical location of customer base.  (<50 miles, >100 miles, etc.)
  • Actual cash value of the vehicle as is, and the cost to buy a new vehicle.
  • Garaging location and the description of garaging location.
  • A list of all drivers’ name, age, state, license number and acceptable MVRs.
  • Loss information for past three years.
  • Documented risk management procedures for loading, unloading, and passenger safety

We do not perceive our clients as a sale. We continue to serve our clients and review your needs from time to time to ensure you continue to carry the best coverage that meets your needs.  Call us today to begin a prosperous, long term relationship with experts in Livery Insurance Coverages in Des Peres Missouri.  For a fast quote call (314) 822-0100.

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.

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.

Read more

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.

Read more

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.

Read more

Business Insurance Des Peres MO

Protect What You’ve Worked So Hard To Achieve

Business Insurance Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Like many business owners, we rely on the internet to help us find things quickly.  Perhaps you have been searching ” Business Insurance Des Peres MO .”   Getting confused by all the options, limitations and restrictions?  Let us help!  Your Business is Your Dream. Ensure You Protect it. Alternatives Insurance® of Des Peres will breakdown the facts and provide you the resources you need to understand business insurance and help you make the best choice, with the best price.

As a business owner, you want to have the confidence that the business you’ve built is covered in the event of loss. Partnering with Alternatives Insurance® of Des Peres to handle your business insurance coverage needs can keep you focused on your business. Alternatives Insurance® of Des Peres offers several options for business owner’s protection, and we have the resources to customize a tailored Business Owner Policy (BOP) for your business. A BOP includes general liability, property coverage, contents coverage, and products. Other business insurance needs may also include worker’s compensation, commercial auto insurance, errors and omissions, builder’s risk, cargo, vacant property, bonds and special events.

Keep in mind, if your business services include counseling clients on legal, tax or other advisory topics, a BOP does not cover professional liability, auto insurance, workers’ compensation, health or disability insurance – all of which need to be purchased separately. Other businesses may have particular risks that will require more customized coverage than what’s included in a standard BOP.  For example, a jewelry store has different risks that a home-based business.

If we determine your business does not qualify for a BOP, we will move onto Commercial Package Insurance Policy (CPP) options.  CPPs can be issued to include almost any type of coverage offered, from property and liability to auto, crime, inland marine and professional liability. When your business risks goes beyond the coverages in a BOP, the flexibility offered by a Packaged Policy provides the opportunity to design a policy specifically for the needs of an organization. It also enables you to have almost all your coverage in one convenient package.

Most Commercial Package Insurance Policies offer expanded coverage endorsements. These endorsements provide additional coverages or increase the base current coverages for lower premiums than purchasing each coverage separately. We know this all sounds so confusing, this is why we encourage you to contact one of our licensed agents to discuss your options.  Our trained staff knows the right questions to ask to ensure we meet the needs of our customers and protect one of their most valuable assets.  We know you work hard, let us work for you!

During your business review with one of our professional agents, we will go through your insurance requirements step by step.  After we have determined whether you will be better insured by a Business Owner Policy or a Commercial Package Insurance policy – we’ll then review your property.

Business Insurance Des Peres MO:  Commercial Property

Property insurance coverage protects small business owners from losses of damage to physical space or equipment and as a result of theft. For insurance purposes, a business’ property includes the physical building in which it resides, as well as its other assets.  With property insurance you can buy either actual cash value or replacement cost insurance. Actual cash value insurance reimburses you for the value of lost, damaged or stolen goods after depreciation is taken into consideration. Replacement cost insurance reimburses you the amount it would take to replace, rebuild or repair damages with materials of similar kind and quality, without deducting for depreciation.

Business Insurance Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100All of the following, owned or leased, can be considered business property:

Business Inventory  |  Furniture and Equipment

Computers and Electronics  |  Artwork and Antiques

Signs and Outdoor Property Not Attached to a Building

Now, to take it one step further, there are three types of property insurance plans.  We know this decision can be a daunting and yet very confusing endeavor.  It doesn’t have to be!  Our professional staff will help you through this process and determine the best business insurance needs for your business, and at the right price.  The three types of property insurance plans are described below:

Business Insurance Des Peres Missouri: Basic form property insurance includes losses resulting from a fire, lightning, windstorm, hail and explosion, plus the cost of removing property to protect it from further damage.
Business Insurance Des Peres Missouri: Broad form property insurance includes basic plus extended coverage for other types of perils, such as a roof collapse (e.g. caused by snow or ice etc….
Business Insurance Des Peres Missouri: Special form property insurance includes basic and broad, and covers all direct physical losses except conditions specifically excluded as listed in the policy.

Business Insurance Des Peres MO:  Business Auto

The next item we will discuss includes any automobiles you may use for your business.  This can include delivery trucks, fleet vehicles (limousines), and company provided cars, to name a few.  All motorized vehicles, whether used for personal or business purposes, need auto insurance. While the types of coverage provided by personal and commercial auto insurance policies are essentially the same, there are important distinctions. Typically, commercial auto insurance policies have higher liability limits. They also may have provisions that cover rented and other non-owned vehicles, including employees’ cars driven for company business.Business Insurance Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100

Several factors related to ownership and use of vehicles determine whether a personal or commercial policy is appropriate. These include:

  • Who owns or leases the vehicle – you individually or the business as an entity
  • Who drives the vehicle – you or your employees
  • How the vehicle is principally used – for example, transporting people, delivering packages or carrying hazardous materials

We will discuss these matters with you and make the best decision based off of your needs for collision and comprehensive coverage to protect yourself against damage to your vehicle.

For more information about your business insurance needs, contact us today to schedule a free consultation.

Why Choose Alternatives Insurance® of Des Peres?

We’re 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.

We’re committed to professionalism

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 all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving 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.

We’re 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.

Auto Insurance Des Peres MO

Call For Our Professional Assistance – FREE, No Cost Insurance Review

Auto Insurance Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100It is not an easy task to understand all of the issues involved in making a decision about what car insurance policy and features are best for you. A lot of people simply go and get a quote for the minimum that is required for Auto Insurance Des Peres MO, and do not really pay attention to the kind of coverage that they are getting. It is important that you recognize the value of the car insurance coverage that you are going to purchase and what exactly is covered. Alternatives Insurance® of Des Peres can help you understand how much the right auto insurance coverage can protect you from the financial liability you will have to assume, if you should get into an auto accident. It is important to find out what kind of protection your auto insurance provides, understand your insurance needs, and make sure that the insurance protection you purchase will give you the best insurance coverage at the most affordable rate.

There are many types of coverages available to you in an auto insurance policy.  The following list will help you understand Auto Insurance Des Peres MO, so you can make the right decision that meets your needs.

LIABILITY COVERAGE

All Missouri drivers are required to purchase and maintain minimum amounts of liability coverage. Liability insurance coverage is typically a required type of car insurance. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance includes 1) Bodily injury coverage, which pays for injuries suffered by others in an accident you caused and 2) Property damage coverage, that pays for damage you cause to another person’s property in an accident.

UNINSURED MOTORIST COVERAGE

Vehicle coverages can serve as financial protection when your car is damaged or broken down. However, this coverage only pays for your vehicle damages. For comprehensive protection, remember to look into the other 2 main categories of car insurance: liability insurance and medical coverages.

Missouri also requires drivers to hold uninsured motorist coverage for bodily injury at the same minimums as those listed for liability coverage. Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Your own injuries or property damage are not covered through liability insurance.

MEDICAL CAR INSURANCE COVERAGE

Medical coverage is an important auto insurance coverage. Also known as Med Pay, medical car insurance covers the costs (up to a limit) for injuries that you or  your passengers may have when riding in and while loading or unloading the vehicle.  You and your family may be covered as a pedestrian also.

 

COMPREHENSIVE AND COLLISION INSURANCE

Comprehensive Insurance Coverages, will help pay for repairs to your car when damaged by an event other than a collision.  Although this coverage may vary between insurance companies, it generally covers damages from fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage. Collision Insurance Coverage will help pay for repairs to your car after it has been damaged in a collision–such as hitting another object.Auto Insurance Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100

Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about this – when you cause an accident, what is your first thought?  Of course, its if everyone is okay, but then you see the damage and wonder how you’ll pay for the other driver’s damage. If you have liability coverage, this will may cover all of those costs. However, if you only carry liability insurance, you could be left to pay for your own damages out of your pocket.

Visit  auto insurance information to learn more.

Auto Insurance Des Peres MO – Options and Discounts

Insurance rates vary by many factors, and we highly recommend you to discuss the options with your Alternatives Insurance® of Des Peres agent. One of the best ways to pay lower premiums for auto insurance is to take advantage of as many discounts for which you may qualify. For example, there are discounts for safe driving. If you’ve never been in an auto accident or have never been caught with a moving violation, you should qualify for safe driver discounts. Your age can factor in to your auto insurance premiums as well. If you’re between the ages of 16 and 25, you will have to pay higher auto insurance premiums anyway.

There are many optional auto insurance coverages, and some may qualify you for additional auto insurance discounts.  These coverages include Glass Breakage Coverage, Emergency Roadside Assistance, GAP Insurance, and Rental Reimbursement Coverage.

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 have the best price for the coverages you need. You should discuss any life changes with your agent, when any of the following occur. It could cost you more money in the long run, or you could receive substantial discounts.

These types of life changing events include:

  • Changes in your employment
  • Marital status
  • Credit score (good or bad)
  • More than 3 years since a Moving Violation
  • Or recently received a Moving Violation
  • Moved to a New Zip Code
  • Purchased a new home
  • Started a family
  • Changed the Number of vehicles you own

Any of these events can change your insurance rates. You owe it to yourself to purchase the best coverage for the best price. Chesterfield MO 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 choice.

In order to have the best coverage, you will want to talk with one of our experienced auto insurance agents about the types of auto insurance coverages that are right for you. If you don’t get the right coverage, you may be at risk for financial disparity, or you may be paying for coverage you do not need.

Call an agent with Alternatives Insurance® of Des Peres anytime!  We will shop top rated auto insurance companies and find the coverages you need for the best price!

________________________________________________________________________________________________

Why Choose Alternatives Insurance® of Des Peres?

We’re 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.

We’re committed to professionalism

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 all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving 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.

We’re 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.

Last updated by at .