Trucking Insurance Coverages in Fenton Missouri | (636) 343-5000

MJM Insurance of Fenton Can Shop for the Best Insurance Protection at the Right Price

Trucking Insurance Coverages in Fenton Missouri | MJM Insurance of Fenton | (636) 343-5000Missouri and the Federal Motor Carrier Safety Administration have specific insurance requirements for tractor trailers. Some coverages are required by law, like primary liability, and others, such as physical damage coverage, are just smart to have.

MJM Insurance of Fenton is a leader in providing all-inclusive programs for Trucking Insurance Coverages in Fenton 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.

MJM Insurance of Fenton 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.  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.

Trucking Insurance Coverages in Fenton Missouri include:

Trucking Insurance Coverages in Fenton Missouri | MJM Insurance of Fenton | (636) 343-5000General 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.

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 Fenton Missouri and help you determine what best meets your situation.  Additional coverages include:

  • Trailer Interchange
  • Medical Payments
  • Uninsured Motorist
  • Workers Compensation
  • Trucking Umbrella
  • Physical Damage
  • Bobtail Insurance and Non Trucking Liability Insurance

As a business owner, you want to be sure to get the best value for your money. And to get the best value, there are actions you can take to prove to the insurance companies you are a responsible driver and/or business owner. Detailed record keeping will not only help the business owner stay organized, but will give you the upper hand when searching for the best insurance rates.  Nonetheless, best practices for a trucking company should include maintaining a list of vehicle types, vehicle uses, recording the mileage of each vehicle and the distance each vehicle travels each year.

As your partner in business, MJM Insurance of Fenton 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) 343-5000

Additional Resources:

Missouri Department of Transportation

Missouri Department of Motor Vehicles

Missouri Trucking Association

Missouri Department of Insurance

Federal Motor Carrier Safety Administration

Click here for the Missouri Trucking Guide.

Transportation and Livery Insurance | (636) 343-5000

MJM Insurance of Fenton Offers Transportation and Livery Insurance Coverages. We Tailor Insurance Packages that Protect Your Source of Income.

Watch the video for more information!  Click here to contact us now or call (636) 343-5000

 

Fenton Missouri Business Insurance

Do You Need a BOP or CPP for your Fenton Missouri Business Insurance?

 

 

Fenton Missouri Business Insurance | MJM Insurance® of Fenton | (636) 343-5000There are two types of Fenton Missouri Business Insurance policies available in Missouri.   The Business Owners Policy or BOP and the Commercial Package Policy or CPP.  These two types of policies are explained below.

Insurance for Different Business Types

On the right sidebar of this page, we have include links to a number of business insurance resources.  Click on any of the different business types to learn more about the insurance coverages for that type of business.   Please call one of our commercial insurance agents at MJM Insurance® of Fenton for any assistance.

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Business Insurance Fenton Missouri

Protect What You’ve Worked So Hard To Achieve

Business Insurance Fenton Missouri | MJM Insurance® of Fenton | (636) 343-5000Your Business is Your Dream. Ensure You Protect it.  Don’t get stuck in a rut searching online for ” Business Insurance Fenton Missouri ” –  not everything you read will meet your business insurance needs!  MJM Insurance® of Fenton will breakdown the facts and provide you the resources you need to understand business insurance and help you make the best choice, for the best price.

As a business owner, you want to have the confidence that the business you’ve built is covered in the event of loss. Partnering with MJM Insurance® of Fenton to handle your business insurance coverage needs can keep you focused on your business. MJM Insurance® of Fenton offers several options for business owner’s protection and we have the resources to customize a tailored Business Owners Policy (BOP) for your business. A BOP includes general liability, property coverage, contents coverage, and products. Other business insurance needs may also include worker’s compensation, commercial auto insurance, errors and omissions, builder’s risk, cargo, vacant property, bonds and special events.

Keep in mind, if your business services include counseling clients on legal, tax or other advisory topics, a BOP does not cover professional liability, auto insurance, workers’ compensation, health or disability insurance – all of which need to be purchased separately. Other businesses may have particular risks that will require more customized coverage than what’s included in a standard BOP.  For example, a jewelry store has different risks that a home-based business.

If we determine your business does not qualify for a BOP, we will move onto Commercial Package Insurance Policy (CPP) options.  CPPs can be issued to include almost any type of coverage offered, from property and liability to auto, crime, inland marine and professional liability. When your business risks goes beyond the coverages in a BOP, the flexibility offered by a Packaged Policy provides the opportunity to design a policy specifically for the needs of an organization. It also enables you to have almost all your coverage in one convenient package.

Most Commercial Package Insurance Policies offer expanded coverage endorsements. These endorsements provide additional coverages or increase the base current coverages for lower premiums than purchasing each coverage separately. We know this all sounds so confusing, this is why we encourage you to contact one of our licensed agents to discuss your options.  Our trained staff knows the right questions to ask to ensure we meet the needs of our customers and protect one of their most valuable assets.  We know you work hard, let us work for you!

During your business review with one of our professional agents, we will go through your insurance requirements step by step.  After we have determined whether you will be better insured by a Business Owner Policy or a Commercial Package Insurance policy – we’ll then review your property.

Property insurance coverage protects small business owners from losses of damage to physical space or equipment and as a result of theft. For insurance purposes, a business’ property includes the physical building in which it resides, as well as its other assets.  With property insurance you can buy either actual cash value or replacement cost insurance. Actual cash value insurance reimburses you for the value of lost, damaged or stolen goods after depreciation is taken into consideration. Replacement cost insurance reimburses you the amount it would take to replace, rebuild or repair damages with materials of similar kind and quality, without deducting for depreciation.

All of the following, owned or leased, can be considered business property:

  • Business Inventory
  • Furniture and Equipment
  • Computers and Electronics
  • Artwork and Antiques
  • Signs and Outdoor Property Not Attached to a Building

Now, to take it one step further, there are three types of property insurance plans.  We know this decision can be a daunting, and yet very confusing endeavor.  It doesn’t have to be!  Our professional staff will help you through this process and determine the best business insurance needs for your business, and at the right price.  The three types of property insurance plans are described below:

Business Insurance Fenton Missouri: Basic form property insurance includes losses resulting from a fire, lightning, windstorm, hail and explosion, plus the cost of removing property to protect it from further damage.
Business Insurance Fenton Missouri: Broad form property insurance includes basic plus extended coverage for other types of perils, such as a roof collapse (e.g. caused by snow or iceBusiness Insurance Fenton Missouri | MJM Insurance® of Fenton | (636) 343-5000 etc.
Business Insurance Fenton Missouri: Special form property insurance includes basic and broad, and covers all direct physical losses except conditions specifically excluded as listed in the policy.

 

The next item we will discuss includes any automobiles you may use for your business.  This can include delivery trucks, fleet vehicles (limousines), and company provided cars, to name a few.  All motorized vehicles, whether used for personal or business purposes, need auto insurance. While the types of coverage provided by personal and commercial auto insurance policies are essentially the same, there are important distinctions. Typically, commercial auto insurance policies have higher liability limits. They also may have provisions that cover rented and other non-owned vehicles, including employees’ cars driven for company business.

Several factors related to ownership and use of vehicles determine whether a personal or commercial policy is appropriate. These include:

  • Who owns or leases the vehicle – you individually or the business as an entity
  • Who drives the vehicle – you or your employees
  • How the vehicle is principally used – for example, transporting people, delivering packages or carrying hazardous materials

We will discuss these matters with you and make the best decision based off of your needs for collision and comprehensive coverage to protect yourself against damage to your vehicle.

For more information about your business insurance needs, contact us today to schedule a free consultation.

 


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Why Choose MJM Insurance® of Fenton?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance® of Fenton 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.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of Fenton have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance® of Fenton 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.

We’re 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.

Business Insurance Arnold MO

What Type of Business Insurance Do You Need?

Business Insurance Arnold MO | MJM Insurance® of Fenton | (636) 343-5000

Business owners may not understand the importance of business insurance, and may not have the time or understanding to ensure they have the best protection based on their needs and risks. If you have been searching ” Business Insurance Arnold MO ”  look no further!  MJM Insurance® will review your policy and make recommendations based off your needs. If you’re business owner, and not sure what kinds of coverage you need to protect your company assets, contact MJM Insurance® – we can help!

Regardless of your situation, you’re on the right track in your quest to compare business insurance and protect all of your assets. One of the best ways to get the coverage you need is to work with an independent agent at MJM Insurance®.  We have several offices that serve the Arnold Missouri area.  Our agents work with multiple insurance companies that specialize in commercial insurance, which means you can get every aspect of your business insurance coverage handled through one professional, and gain an understanding of your needs.

So, what types of business insurance do you need?  The most common types of business insurance coverages include general liability insurance, commercial property insurance, commercial automobile insurance and workers compensation insurance.

Your specific situation might also require that you purchase additional coverage to meet your business risks. The additional coverage types you may need will depend on the nature of the work you do and include professional liability insurance, product liability insurance, business income insurance, cyber liability insurance and business interruption coverage to name a few.

What Is the Best Business Policy for Your Company?

The first step is to assess your risks by doing an analysis of your business and then review your current commercial insurance prices and policies.  Your specific needs will be based on your company’s size, type and value, as well as the type of work you do.  For example, does your company provide internet services? Does your company deliver goods or services in their personal vehicles?  Do you serve food or alcohol?  Do you offer professional advice that could result in a liability claim? Do you have a building or other property that could be at risk for fire or severe weather damage?

Identifying your risks and the coverages needed will help determine which insurance company will meet your insurance needs for the best value.

MJM Insurance® will review policies and options and compare insurance prices from several different insurance providers. The following are a few things we will consider to provide you complete protection:

  • Will the liability coverage limits provided adequately protect your business assets?
  • Does the policy offer adequate risks coverage areas for your business activities?
  • Are the premium rates competitive within the business insurance market?
  • Is the coverage deductible appropriate for what you can afford to pay in the event of a claim?
  • Does the insurer have a strong financial standing and few customer complaints?

No two insurance companies are the same, and when you compare business insurance you’ll quickly find that no two policies are the same either. You may find you need a little assistance when evaluating insurance companies and plans to ensure you purchase coverage that is customized to your business.

Business Insurance Arnold MO: The Business Owners Policy

A business owner policy (BOP) is often the most convenient way of protecting your business’s physical and financial assets  The BOP combines building, personal property and liability insurance coverage into one package.   The BOP is an efficient way to provide Missouri commercial insurance coverage that most small businesses need.

Does your business qualify for a BOP

The two keys to BOP eligibility are type of business and square footage. General examples:

  • apartment buildings
  • office buildings
  • buildings used primarily for mercantile, service or processing purposes
  • wholesalers
  • contractors
  • mixed use, e.g., stores in an apartment building.

Business Insurance Arnold MO: The Commercial Package Policy (CPP)

The Missouri commercial Insurance Package Policy can be issued to include almost any type of coverage offered, from property and liability, to auto, crime, inland marine and professional liability and more.  When your business risks goes beyond the coverages in a BOP, the flexibility offered by a Packaged Policy provides the opportunity to design a policy specifically to fit the needs of your business.  It also enables you to have all or almost all of your insurance coverage in one convenient package.

Most commercial insurance policies offer expanded coverage endorsements. These endorsements provide additional coverages or increase your current coverages for lower premiums than purchasing each coverage separately.  After assessing your business risks and determining that a package policy is what you need, we will design a custom insurance package policy with specific coverages to meet your business needs.Business Insurance Arnold MO | MJM Insurance® | (636) 343-5000

Use MJM Insurance® to assist your in your search for ” Business Insurance Arnold MO .”

It can be time-consuming to compare the commercial insurance products of several different companies, and this is how we can help you!  Our expert agents can find the best business coverage at an affordable premium rate.

Working with an MJM Insurance® agent means you can leave the price comparison shopping to us!  We represents multiple high-quality Missouri Insurance Companies like Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens more. We will provide a number of business insurance policy options to you and make sure you understand every aspect of your coverage. You’ll benefit from our agent’s knowledge and guidance while still serving as the final decision-maker.

Fenton Missouri Workers Comp Business Insurance

Employers have the legal responsibility of paying for the job-related injuries of their employees

To ensure your business carries sufficient workers compensation coverage, turn to MJM Insurance® of Fenton, a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines insurance carriers.  Our agents specialize in Fenton Missouri Workers Comp Business Insurance and will ensure you have the best Workers Comp Business Insurance coverage that meets your needs.

Our well-trained insurance agents know how to match the laws with the workers compensation coverage that is required in Saint Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester and St. Clair, Missouri.Fenton Missouri Workers Comp Business Insurance | MJM Insurance® of Fenton (636) 343-5000

Employer funded insurance pays for Job Related Illnesses—Exposure to Chemicals, Radiation and Pollution at the Workplace, Job-Related Diseases—Which Occur over a Long Range of Time That Relate to Heart, Lung and Digestive Problems, Job-Related Injuries—Accidents and Repetitive Actions That Result in Injury.  Contact MJM Insurance® of Fenton to review your policy and make sure you have the right protection.

Fenton Missouri Workers Comp Business Insurance does not cover Injuries resulting from Alcohol or Drug Injuries, Injuries an Employee Does to Himself or Herself, Injuries That Occur While off the Job and Not Related to the Job.

Workers compensation insurance protects the employer and employee in Fenton Missouri.  Workers compensation pays for the cost of injuries and illnesses employees acquire while on the job, whether they are performing the job on or off premises in Fenton Missouri. Job related injuries or illnesses can be costly and it is wise to carry sufficient workers compensation insurance coverage.

For the employer, workers compensation covers liability from lawsuits and claims that happen on or for the job. For the employee, workers compensation pays for medical care from work-related accidents or illness.

Employees have the right to sue and employer if a business does not carry workers compensation insurance. So, it is important to provide workers compensation coverage, as well as to make sure employees know that.  The state requires employers to post notices in places where employees easily can notice and read the information.

Businesses with employees are required by law to pay for certain types of insurance: workers’ compensation insurance, unemployment insurance, and, depending on where the business is located, disability insurance.

Businesses with employees are required to carry workers’ compensation insurance coverage through a commercial carrier, on a self-insured basis, or through the state Workers’ Compensation Insurance program. Visit your state’s Workers’ Compensation Office for more information on your state’s program.

Businesses with employees are required to pay unemployment insurance taxes under certain conditions. If your business is required to pay these taxes, you must register your business with your state’s workforce agency.  MJM Insurance® of Fenton agents can help steer you in the right direction.

Each job injury is unique and requires a proper time to heal.  If an employee works with an attorney, he/she will be encouraged not to rush back to work and perhaps request to be put on light or full duty until they are healed completely. Some of the most common injuries include the following:

Back Injuries                                     Herniated Disks & Neck Injuries

Brain Injuries                                     Knee Injury Compensation

Amputation                                       Rotator Cuff & Shoulder Damage

Paralysis                                          Permanent Total Disability

Hand & Wrist Injuries                        Cases Involving Death

Employees who have been injured on the job may also request financial compensation for lost wages, damages for permanent injuries (either total or partial), vocational rehabilitation assistance and/or death benefits for the families of workers killed on the job.

 


Why Choose MJM Insurance® of Fenton?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance® of Fenton 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.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of Fenton have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance® of Fenton 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.

We’re 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.

_____________________________________________________________________________________

Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources.  Click on any of the different personal insurance coverages categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents for any assistance.