Primary Liability is Required for all Owner-Operator Vehicles
Missouri and the Federal Motor Carrier Safety Administration have specific insurance requirements for tractor trailers. Some coverages are required by law, but if you transport cargo for a living, you need Alternatives Insurance of Chesterfield agents to review your Trucking Insurance Coverages in Chesterfield Missouri.
Alternatives Insurance of Chesterfield is a leader in providing all-inclusive programs for Trucking Insurance Coverages in Chesterfield Missouri. Our licensed agents have more than 60 years combined experience with automobile liability, general liability, physical damage, motor truck cargo, and workers compensation insurance. As a business owner who relies on transportation for a living, we understand the importance of having the right insurance in place.
Trucking Insurance Coverages in Chesterfield Missouri Include
General Liability Insurance – covers damages to another person resulting from an accident you cause.
- 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.
Motor 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 Chesterfield Missouri and help you determine what best meets your situation. Additional coverages include:
- Workers Compensation
- Trucking Umbrella
- Physical Damage
- Trailer Interchange
- Medical Payments
- Uninsured Motorist
Because trucking is a unique industry, insurance carriers offer different types of risks. 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.
As your partner in business, Alternatives Insurance of Chesterfield 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. (636) 449-1213