Whether you are hauling loads across state lines or delivering them across town, you need insurance that keeps up with the needs of your fast-paced business. At Mid Rivers Insurance, we understand the risks truckers face out on the open road. Our trucking insurance coverage options span many different types of trucks, including:
- Flat bed trucks
- Semi trucks
- Small freight trucks
- Pickups
- Dump trucks
- Tow trucks
- And more
Private Truck Insurance
Businesses that own private vehicles need coverage that keeps up with their needs. If your truck plays a supporting role in your manufacturing, construction, or other type of business, we offer many types of coverage to fit your needs, including:
- Commercial Vehicle Liability Insurance
- Collision Insurance
- Comprehensive Insurance
- Medical Payments Insurance
- Emergency Assistance Coverage
- And More
Motor Carrier Insurance – Leased Contractors and Owner-Operators
The trucking business is the livelihood of millions of people throughout the U.S. If you operate a truck-for-hire as an independent contractor, your insurance needs will vary depending on who you work for. For example, drivers who own their own trucks but work as contractors for trucking companies may not need the same extent of liability protection as an independent owner-operator. Although your individual coverage needs will vary according to the nature of your business, your motor carrier insurance may include:
Primary Liability
Anything can happen on the road. When drivers and their passengers are hurt by collisions with big trucks – especially large semis – it often results in a lengthy and expensive litigation process. Protect yourself against lawsuits with primary liability insurance that helps cover bodily injury and property damage claims for which you or one of your drivers is at-fault.
Non-Trucking Liability
Truckers who work under lease for trucking companies often have primary liability protection through their lease. However, what would happen if you caused an accident or injury while operating your truck for private purposes? Non-trucking liability is protection when you drive your truck for non-business purposes. In addition, non-trucking liability could provide protection for the times that you are not hooked up to a loaded trailer and hauling for your company. Often times, the trucking company offering the primary liability will not cover your truck unless you are hooked up to a trailer and hauling for them. Non-trucking liability can provide coverage for those times that you are not hauling a load.
Collision
If you collide with another vehicle, median or other object, collision insurance can help pay for repairs to your truck.
Comprehensive
When a tree falls on your truck or someone vandalizes your truck at a rest stop, comprehensive insurance can help cover the damages.
Cargo Insurance
When you are carrying precious cargo, it is your job to ensure it gets from point A to point B as safely as possible. Should something happen to your load while it is in your care, you could be held financially responsible. Cargo insurance helps cover you for losses caused by accidents, fires, and other covered events.
Uninsured/Underinsured Motorist
Everyone is required to carry liability insurance in Missouri, but some motorists fail to uphold state law. Even among those who do have coverage, the limitations on their policies may not be enough to provide adequate compensation if they cause injuries to you in an accident. Protect yourself with uninsured and underinsured motorist insurance that helps pick up where an at-fault driver’s coverage leaves off.
Medical Payments
You spend a lot of time on the road. Though we hope you never need to use it, medical payment insurance can assure that you receive the medical attention you need after an accident is covered regardless of who was at-fault.
Federal and State Truck Insurance Filings
In order to operate a commercial truck, you need to prove your financial responsibility to the Federal and State Government. We can assist you with compliance for many types of truck insurance filings.
Truck Insurance Quotes in Missouri
If you operate a truck for your business in Missouri or the Midwest, Mid Rivers Insurance can help you get the over-the-road trucking insurance you need. Contact our office to speak with one of our helpful commercial insurance representatives. We write trucking companies in Missouri, Iowa, Illinois, Indiana, Michigan, Ohio, Nebraska, Kansas, and many other states. We look forward to serving you soon.
