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Dump Truck Insurance in Chesterfield Missouri

Alternatives Insurance of Chesterfield Offers Dump Truck Insurance

Dump Truck Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213If you use a dump truck in Chesterfield Missouri, to haul asphalt, sand, salt or remove construction debris, you need Dump Truck Insurance in Chesterfield Missouri. Depending on what you haul, you may need specialized commercial vehicle insurance as well.

Missouri dump truck insurance coverages may vary among Insurance Carriers, so it is important that you work with an Agent that represents multiple, top-rated Transportation Insurance Companies.

Alternatives Insurance of Chesterfield is a full service insurance agency that has  years of experience with Missouri Dump Truck Insurance. Our connections with some of the leading Missouri dump truck insurance carriers allows us to provide the coverages your business needs.

Our insurance agents will shop your Missouri dump truck insurance for our clients, so Dump Truck owners and operators save time from searching, and get on the road!   Alternatives Insurance of Chesterfield works 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.

Dump Truck Insurance Cost can vary based on a number of factors that the Department of Insurance considers.  These include:

  • The dump truck itself,
  • what you’re hauling,
  • where you’re hauling it,
  • 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.

If you’re hauling hazardous materials, chemicals or explosives, it will increase your dump truck insurance premium. And if you haul aggregate, we recommend sand and gravel haulers insurance, too.

Dump Truck Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213Dump 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.

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

 

Current Federal liability limit minimums for commercial vehicles are as follows:

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

Our agents will examine your business needs and customize a Missouri Dump Truck Insurance commercial vehicle policy that best protects your business from risk.  There are several types of dump truck insurance coverages to consider. Some of which our agents will discuss with you are listed below:

  • Non-trucking insurance: This coverage is designed for independent owner/operators with contract jobs. It provides liability insurance if you should be involved in an accident in your truck during off-work hours.
  • Motor truck general liability insurance: This coverage will protect you from liability for damage you cause to your customer’s property while operating your vehicle on their grounds.
  • Physical damage insurance: This additional coverage provides compensation for any damage to your dump truck, and is usually required by dealerships if you are leasing your vehicle.
  • Motor truck cargo insurance: If the cargo you will be hauling on your truck is valuable, you may be required to carry motor truck cargo insurance.

Dump Truck Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213

  • Collision insurance: This will cover the repair of damage to your dump truck if you collide with another vehicle or object.
  • Fire and theft insurance: This comprehensive insurance will provide compensation for damages to your vehicle from fire or theft.
  • Environmental insurance: This insurance will cover certain pollution-related losses and fines and the costs for restoration and clean-up, if necessary.
  • Rental reimbursement / downtime insurance: If your truck is damaged in an accident, this coverage will allow you to continue your business operations while your truck is being repaired or will cover business losses if continuation is not possible.
  • Off-season comprehensive only insurance: If your business is seasonal, this will save you money while protecting your vehicle while it is not in use.

Alternatives Insurance of Chesterfield 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.

Contact one of our licensed insurance agents to schedule a free insurance evaluation or call now (636) 449-1213.

 

 

Limo and Taxi Insurance Coverages in Chesterfield Missouri

Livery Insurance Needs in Missouri

Limo and Taxi Insurance Coverages in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213

Alternatives Insurance® of Chesterfield is devoted to our clients. This is why we keep our clients informed of the specific  Requirements for Limo and Taxi Insurance Coverages in Chesterfield Missouri.  It is our responsibility to ensure we can find the right insurance package that meet our clients’ needs.   There are a variety of coverages to look at when purchasing Limo and Taxi Insurance.

 

 

The top 5 most important coverages are:

  1. Collision and Comprehensive: 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.
  2. Underinsured/Uninsured Motorist: This 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.
  3. Personal Injury Protection Coverage: 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.
  4. 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.
  5. Bodily Injury Liability and Property Damage Liability: These types of insurances are good for limousine drivers to purchase. 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.

Click here for the Commercial Package Filing Checklist

As licensed agents, it is our job to stay educated by the latest trends and pricing tiers in the transportation insurance industry.  We understand obtaining Chesterfield Missouri Limo and Taxi Livery Insurance Coverages is not necessarily an easy task, and we are here to help!

Alternatives Insurance® of Chesterfield aims to protect our clients and their businesses by providing a proactive approach to their insurance needs. As a partner in business, we understand the need to protect our investments and livelyhood.  Limo and Taxi Insurance Coverages in Chesterfield Missouri are required for limo and taxicab companies, whether they are individually operated, or a large fleet enterprise.

Our licensed agents have an abundance of knowledge in the transportation industry and are well-qualified to handle limo and taxi insurance coverages in Chesterfield 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.  Our agents make your business our priority.  We take the time to analyze the customer’s business type, insurance business needs and state-mandated requirements.

Alternatives Insurance® of Chesterfield agents and staff are loyal to our clients.  As a Trusted Choice agency, we are dedicated to treat our clients as a person, not a policy.

There are several Limo and Taxi Insurance Coverages in Chesterfield Missouri to choose from and it is important to have a professional agent assess your business needs.   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 and license number.

Click here for Missouri  Taxi & Transportation License Information

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 still have the best coverage that meets your needs.  Call us today to begin a prosperous, long term relationship with experts in Limo and Taxi Livery Insurance Coverages in Chesterfield Missouri.  For a fast quote call (636) 449-1213.

Limo and Taxi Insurance Coverages in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213

Trucking Insurance in Chesterfield Missouri

The High-Risk Industry Requires The Right Protection

 Trucking Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213Alternatives Insurance of Chesterfield is a leader in providing all-inclusive programs for Trucking Insurance in Chesterfield Missouri.  Our licensed agents have more than 60 years combined experience with automobile liability, general liability, physical damage, garage liability, motor truck cargo, and workers compensation insurance.  We know without the right protection, there can be serious repercussions.

Whether you drive tractor trailers, box trucks, or flatbeds, and you depend on your truck for your business, Alternatives Insurance of Chesterfield can help you protect your source of revenue, with coverages designed for professional truck drivers. 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.

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Limo and Taxi Insurance in Chesterfield Missouri

Insurance Requirements for the Transportation Industry

Limo and Taxi Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213Insurance in Chesterfield Missouri is required if you own a taxi cab, limousine or own a taxi or limo service. Alternatives Insurance of Chesterfield understands transportation is a unique industry and we are here to help you with Limo and Taxi Insurance in Chesterfield Missouri!  We provide personalized insurance coverages that cater to the insurance needs of taxi and limo operators – from single operators to large sophisticated fleets.

Taxi Cab and Limo Drivers  need to be covered if an accident causes a large liability claim. Limousine insurance companies offer commercial auto insurance that matches the specific needs of limo services. Because your business involves the transportation of people in your car, van or limo, you need coverage that protects your passengers and covers your risk for a liability claim.  Our licensed agents will review your liability and assets to find the best insurance products to meet your needs.  Alternatives Insurance of Chesterfield shops many carriers for you to get the right Taxi and Limo Insurance in Chesterfield ton Missouri. We serve clients throughout Missouri, including High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.

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