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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

 

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

 

 

 

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