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Trucking Insurance in Des Peres Missouri

Rest Easy Knowing You Have The Right Protection

Trucking  Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance of Des Peres is a leader in providing all-inclusive insurance programs to the trucking industry.  Our licensed agents have more than 60 years combined experience with Trucking Insurance in Des Peres Missouri including; commercial auto insurance, general liability insurance, garage liability insurance, cargo insurance, and workers compensation.

We offer Trucking Insurance in Des Peres Missouri from multiple top-rated carriers.   We conduct a complete risk analysis and review your insurance needs to develop a customized insurance package that protects the owner-operator and the company.  Contact us for a risk-free, no obligation analysis of your trucking insurance needs and get more than one quote! 

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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 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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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.

 

Missouri Home Insurance TIP : Washing Machine Hoses

Missouri Home Insurance Tip | Alternatives Insurance of Des Peres (314) 822-0100Missouri Home Insurance TIP.   Alternatives Insurance® of Des Peres Missouri will be providing useful insurance news and tips that will save you money and possibly prevent some bad claims.

If you have a washing machine, please check the connecting water hoses.  They should be the new flexible steel hoses — if you still have rubber hoses — you are likely to have a very bad water damage problem at some point. If you do have rubber hoses, please turn the water off to the washing machine when you leave for a few days–like on vacation. Water running out of your front door when you return home is not a fun experience.

More Missouri Home Insurance Tips about preventing claims and saving money coming soon!  Alternatives Insurance® of Des Peres Missouri (314) 822-0100.  We provide insurance and financial services to all residence of Missouri.

Home Insurance Des Peres MO

Six Primary Coverages That Are Included in Your Home Policy

Home Insurance Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Have you been searching for ” Home Insurance Des Peres MO “ and you’re not quite sure what home insurance coverages are necessary to protect you and one of your most valuable assets? Many of us have been in a situation where we need insurance and depend on our mortgage company or shop online, to find the least expensive home insurance coverage. Have you considered if something happens to your home, and whether your insurance policy will actually cover the damage?  Will it pay for ALL of it?  As a homeowner, there are many risks our agents can help you avoid.

For most people, insurance is confusing. Homeowners do not understand the liabilities that come with being a homeowner and the protection of having the right coverages in the insurance policy. Homeowners in Des Peres Missouri should be aware that the majority of mortgage lenders require homeowners insurance.  This article, Home Insurance Des Peres MO, will explain the primary insurance coverages that are included in your homeowners policy what they mean, what is not covered and additional coverages available to you.

 HOME INSURANCE DES PERES MO:  DEFINITION OF DWELLING

The word Dwelling in your home policy actually refers to your home itself.  It includes attached structures, such as an attached garage. The Amount of Insurance (Dwelling Limit) listing on your Declarations page indicates the maximum amount your insurance company will pay to replace your home if it’s destroyed by a covered claim. But,is it enough?

Don’t make the mistake, like many homeowners do, by thinking your homeowners insurance covers everything just because you have an insurance policy!  You must make sure your Dwelling Limit is enough to rebuild your home.

Contact Alternatives Insurance® of Des Peres and one of our experienced agents can run a cost analysis that calculates the cost to rebuild your  home.  Be sure to adjust the amount of insurance for your dwelling appropriately.  If you don’t you may not have enough insurance to replace your home if disaster strikes.

Some policies include built-in protection above the stated Dwelling Limit – usually a percentage of the Dwelling – just in case the estimate is too low. We will make sure to discuss this with you as an additional protection feature.  It’s probably worth having.

HOME INSURANCE DES PERES MO:  OTHER STRUCTURES

The most common Other Structures are sheds, stand-alone garages (known as “detached” garages in insurance terms), barns, pool houses, etc.  These structures are not directly attached to your home, that are referred to as the “dwelling”.  Other Structures have their own protection limit – the most your company will pay to rebuild them will be stated on your Declarations page.  This limit will be significantly less than the dwelling limit … typically 10% – 20% of the dwelling amount.  For most people that’s plenty of insurance for other structures.  But not for everyone.  You need to know what it would cost to rebuild or replace those structures if they’re destroyed.  Discuss it with the licensed professionals in our office. You can buy more protection for your other structures if you need it.

 HOME INSURANCE DES PERES MO:  PERSONAL PROPERTY

Home Insurance Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Your personal property includes all your personal items, such as furniture, clothing, electronics, appliances, etc. Similar to other structures, personal property has its own protection limit stated on your Declarations page.  And, again, this amount is the most the insurance company will pay to replace your personal property. You can also add a Ryder to your insurance policy that will cover jewelry; so long as you have the proper documentation like an appraisal from a qualified jeweler.  Your personal property limit is usually 70% – 75% of your dwelling limit.  However, you can adjust this upward if you need more protection,  Discuss your options with us. We’re here to help!

Regardless of the protection limit for your personal property, there’s a very important question you must get answered.  How is your property protected?  It is determined by the “actual cash value” or “replacement cost”?  The difference is huge!  In very basic terms, if your property is protected on a replacement cost basis the insurance company will replace your old stuff with new stuff.  For example, if your 5-year old TV is destroyed in a covered claim, the company will pay for a brand new TV.  That’s a good deal for you.

But if your property is protected on actual cash value basis, an “allowance for depreciation” is applied to the cost of a new TV based on the age of your destroyed TV.  The result is you get a settlement amount less than the cost of a new TV.  To buy a new TV you’ll have to come up with the difference out of pocket.  Not as good of a deal for you.

Clearly, insuring your personal property on a replacement cost basis is a better advantage than actual cash value.  Sometimes it costs a bit more, but not always.  We can help you understand how how your policy works and can check the price both ways, to help you make the right decision.

HOME INSURANCE DES PERES MO:  LIABILITY

Your liability coverage pays if someone sues you for their injuries due to a covered claim.  When we think of such accidents we most commonly think of injuries that occur on your property – someone slips and falls, a dog bite, etc.  However, the liability protection under your home policy extends beyond your property to your everyday life.  Liability Insurance helps protect you against the financial burden arising from injury (or property damage) that you or your family may cause to other people. It typically even covers injuries whether they happen on or away from your property.

Liability insurance is all about protecting your assets from someone who sues you.  So, you should have at least as much liability insurance as your financial worth.  However, more than that may be prudent, and you should discuss your needs and risks thoroughly with a licensed agent at Alternatives Insurance® of Des Peres.  Your current liability limit will be stated on your Declarations page.

HOME INSURANCE DES PERES MO:  MEDICAL PAYMENTS TO OTHERS

This coverage pays medical bills for a guest who is injured on your property or in another covered claim.  The idea is to do the right thing for someone – pay their medical bills – and then hope they don’t sue you.  This protection is inexpensive, but could save you major hassles by preventing a lawsuit.

HOME INSURANCE DES PERES MO:  LOSS OF USE

Loss of use coverage provides monies for alternative living if your home is badly damaged and are you not able to live in it while it’s being fixed or replaced.  That means you may have to pay rent somewhere or staying in a hotel while you’re also paying your mortgage.  The Loss of Use coverage on your home policy pays those additional expenses for you.

Your Declarations page may state a dollar limit for this coverage, or it may state a time limit.  If there is a dollar limit, this is the most the insurance company will pay for these expenses.  If there’s a time limit, your insurance will pay all covered expenses regardless of the amount but only for the specified period.

Coverage Exceptions

Imagine your home is damaged by a vehicle crashing through the garage.  You call your insurance agent to report the claim, and then you hear the worst news possible, “I’m sorry that’s not covered by your policy.”  Now, you have a real problem.

The unfortunate truth is no insurance policy covers you for everything that could possibly happen to you or your property.  However, with a little bit of understanding, you can make sure you have the protection you need, and you can rest easy knowing your claims get paid by the insurance company.

Home Insurance Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Just because you have an insurance policy, it does not mean everything and everyone in your home is covered.  Your home insurance policy does not cover you against every “cause of loss”. Examples of “cause of loss” include fire, high wind, and other “perils”.

A standard home policy excludes many causes of loss.  That is, it does NOT protect you from certain perils – like earthquake, flood, termite damage and many more.  That means if your home is damaged by one of these excluded perils your policy will not pay and you have no insurance against them.

You can purchase additional coverage to protect you from perils like earthquakes and floods.  However, some excluded perils are not insurable, such as insect damage.  Be sure to discuss your policy exclusions with an agent in our office and we’ll help you determine the best protection you need.  Don’t be caught by surprise after the damage is done.

HOME INSURANCE DES PERES MO:  SPECIAL LIMITS ON PERSONAL PROPERTY

As if your home policy wasn’t complicated enough already!  There are also “special limits” of protection for some of your personal property.  A “special limit” reduces the protection specifically available for certain types of property. Property subject to a special limit typically includes property used for business, cash & coin collections, jewelry & furs, guns, silverware, valuable art and more.

Additionally, some of these special limits apply only if the property is lost or stolen – making things just a little more confusing.  For example, the standard home policy typically includes $1,000 of protection for stolen jewelry. If your $2,500 diamond engagement ring is stolen, you will receive $1,000 from the insurance company.  Ouch!  And, if the stone falls out of the ring and is lost, there may be NO coverage at all!

It is very important you fully discuss these conditions and special limits with our agents and buy the protection you need.  Otherwise, you could find yourself with a very nasty surprise … an unpaid claim!

HOME INSURANCE DES PERES MO:  OTHER EXCLUSIONS AND OPTIONS

The standard home policy have exclusions for many reasons.  But then the insurance company gives you an opportunity to buy some of them back. So, you have the option of increasing protection where you personally need it.

There are literally dozens of optional coverages available in your home policy.  Here are some of the more common options available to you:

  • Identity Theft – many home insurers now offer protection for Identity Theft in their home policies.  This will help pay the expenses you incur to restore your identity if it’s stolen.
  • Water & Sewage Backup – the standard home policy excludes damage caused by a water or sewage system backup.  You can buy this protection if you want it.
  • Ordinance & Law – pays the increased costs of repairing or rebuilding your home that are required to be build in accordance to current building codes.
  • Packaged Endorsements – often times an insurance company will package the optional coverages people most commonly buy into a single endorsement for a lower price.

There are many more optional coverage and exclusion buy-backs our agents can explain to you. Its worth the time to spend with your Alternatives Insurance® of Des Peres agent to understand the coverages available and make good decisions about your protection.

Alternatives Insurance® of Des Peres has access to many insurance carriers and thousands of different products to choose from.  These insurance carriers allow us to tailor an insurance policy specifically to your needs, and help cover your risks.  The Missouri Home Insurance Guide is a great resource to help you understand Home Insurance Des Peres MO requirements.  Read through this guide and contact an agent with Alternatives Insurance® of Des Peres to schedule a free consultation. (314) 822-0100

Fidelity National Insurance by Alternatives Insurance® of Des Peres | (314) 822-0100 
Travelers Insurance by Alternatives Insurance® of Des Peres | (314) 822-0100
Progressive Insurance by Alternatives Insurance® of Des Peres | (314) 822-0100
Kemper Preferred Insurance by Alternatives Insurance® of Des Peres | (314) 822-0100
The Hartford by Alternatives Insurance® of Des Peres | (314) 822-0100

Hagerty by Alternatives Insurance® of Des Peres | (314) 822-0100

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