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! 

Whether you drive tractor trailers, box trucks, or flatbeds, if you depend on your vehicle to operate your business, Alternatives Insurance of Des Peres can help you protect your source of income. We offer truck 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.

Alternatives Insurance of Des Peres encourages our clients to be careful and keep a clean driving record by driving safe. A good driving record will help keep insurance premiums from increasing. Trucking Company Owners should keep records of their drivers, track the number of incidents and take the appropriate steps to reduce the number of reports.  This will in turn protect your business investment, and with more affordable insurance premiums.

What would you do if you’re driving down the highway and lose a part of your load on the highway?  Are you protected?  Federal Motor Carrier Safety Administration (FMCSA) requires $750,000 primary liability coverage, but most brokers require one million to load you. The most common request for cargo is $100,000, but this would depend on what you’re hauling and for whom. Motor freight insurance is mandatory in all moving trucks hired to carry products abroad and covers accidents to merchandise as well as the persons hauling it.

Liability Requirements for Trucks

The minimum amount of primary liability insurance is set by the FMSCA. For trucks over 10,000 pounds GVWR you’ll need to the following minimums:

  • $750,000–Most trucks hauling most commodities are required to have a minimum of $750,000 of coverage. Many load brokers will require a minimum of $1,000,000.
  • $1,000,000–Auto haulers need a minimum of $1,000,000 in coverage. One million in coverage is becoming an industry standard across other hauled commodities too.
  • $5,000,000–If you are hauling certain hazardous materials, you’ll need a minimum of $5,000,000 in coverage.

Commercial insurance is mandatory before any broker will sign a contract.  Freight moving businesses often hire risk management advisors to enforce the motor freight insurance requirements – especially with loads that cost millions of dollars. Cargo coverage pays for damages to goods you transport for hire or when transporting your own goods.  Additionally, Cargo coverage can be added to a trucker policy or purchased as a separate policy.

Alternatives Insurance of Des Peres knows the trucking industry and the necessity to have proper insurance coverage in place.  Consult with one of our licensed agents about coverages you may need for your unique situation. We can shop multiple carriers to find the best coverage at the right price.  There are optional coverages that you can add to your main policy.  Additional protection includes Loading and Unloading Coverage, Refrigeration Breakdown Coverage, and Earned Freight Coverage, if you lose income from a load.

Make sure your assets are protected with general liability insurance from Alternatives Insurance of St Louis City. Our agents provide a complete quote for your motor freight insurance needs and will assist your company in getting the best price possible.  Call an agent today and schedule your free consultation.  (314) 822-0100


Adam Majnerich has been an insurance professional for over 16 years and earned the position of General Manager for MJM Insurance™. His professionalism and attention to detail along with his utilization of technology ensures every client receives the most accurate, competitive, efficient and complete risk solutions.

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