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MOST REQUESTED COVERAGE’S
Auto Liability, Motor Truck Cargo Coverage, Commercial General Liability, Medical Payments, Uninsured Motorist, Underinsured Motorist
Personal Injury Protection (PIP), Owned Auto, Non-Owned Auto, Hired Auto, Collision Coverage, Comprehensive Coverage and Trailer Interchange
Missouri Commercial Truck Insurance and Requirements
Trucking companies operating in the state of Missouri must be aware of the state’s requirements for commercial truck insurance. The state of Missouri requires proof of liability insurance for trucks over 26,000 pounds in order to legally operate. Meeting this requirement is essential for protecting your business, drivers, and cargo against potential risks and liabilities on the roads.
This guide will provide an overview of the state’s minimum commercial truck insurance requirements to help you get a better understanding of what you need to do in order to stay in compliance with the regulations.
State of Missouri Commercial Truck Insurance Requirements
The primary requirement for operating a commercial truck in Missouri is carrying the proper liability insurance coverage. The coverage must meet the regulations established by the Missouri Department of Insurance.
The minimum liability insurance coverage for personal and/or business vehicles is as follows:
• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage per accident
This coverage applies to both fire and theft liability.
In addition to the minimum liability coverage, it is also required that the policy contain a blanket uninsured/underinsured motorist protection. This provides coverage in case an uninsured or underinsured motorist causes an accident involving your vehicle. It pays up to the limits of your policy for property damage and medical expenses. The minimum levels of coverage are $25,000/$50,000 for bodily injury per person/per accident and $10,000 for property damage per accident. Many businesses elect to increase their uninsured/underinsured motorist protection coverage beyond these limits to ensure full protection in any potential accident situation.
Extra Coverage
In addition to the minimum liability coverage requirements set by the state, many trucking operators and companies opt for extra coverage as well. One of these popular coverages is cargo insurance, which provides additional protection for goods carried on your vehicle(s). This type of coverage protects against physical damage or loss of goods in transit due to any kind of incident or accident. Coverages vary from provider to provider, but most cargo policies provide basic protection for all types of cargo, including hazardous materials and perishables, and can be tailored to specific types of freight operations.
Another important type of insurance for commercial trucks is non-trucking liability. This covers an owner-operator when their vehicle is off-duty and not being used for commercial purposes. If an owner-operator gets into an accident while not on-duty or on a specific job, non-trucking liability insurance can provide protection.
Additional Optional Coverage Options
Most insurance companies offer optional coverage that can be added to a trucking policy to tailor it to individual needs. These may include uninsured motorist protection (UMP), collision coverage, array perils coverage (APC), medical payments to others (MPO), physical damage coverage, bobtail legal liability coverage or even roadside breakdown assistance (RBD). You may also be eligible for discounts or other incentives when bundling certain coverages together and/or purchasing a comprehensive policy that includes all optional coverages together as well.
Record Keeping
It’s important to keep accurate records and documentation regarding commercial truck insurance in order to prove you are in compliance with the state’s laws and regulations at any given time. Having proof of insurance available is a great way to stay ahead of any audit or inspection that may come up from time to time. It is also important to regularly review your policy details in case there have been changes that require updating.
Below are the classifications of commercial big rig trucking policies.
• Symbol 1 – Any auto, don’t have to schedule them. Covers any auto as long
as the insured is using it. (This is rare nowadays especially for Big Rig Trucks))
• Symbol 2 – Any owned auto. Covers only autos that the insured owns.
Includes autos you acquire ownership of after the policy begins.
• Symbol 3 – Owned private passengers autos only. Covers private passenger
autos. Includes autos you acquire after the policy begins.
• Symbol 4 – Owned autos other than private passenger autos only. Covers only
those autos you own that are not private passenger and for liability for trailers
you don’t own while attached to power units you own. Includes those autos
not of the private passenger type you acquire after the policy begins.
• Symbol 5 – Owned autos. Subject to No Fault State.
• Symbol 6 – Owned autos. Subject to Compulsory Uninsured Motorist Law.
Form you attach when the state requires and insured can not reject uninsured
motorist coverage. It includes autos you acquire during the policy period after
the policy begins.
• Symbol 7 – Specifically described autos. Covers only described autos.
Coverage follows power unit. Non owned trailers have liability with this form. (Most common for Big Rig, Box Trucks and other For-Hire operations)
• Symbol 8 – Hired Auto Only. Covers auto you lease, hire, rent or borrow.
This does not include any auto you lease, hire, rent or borrow from any of your
employees, partners or members, etc.
• Symbol 9 – Non-Owned Autos Only – Coverage auto you do not own, lease,
hire, rent or borrow that are used in connection with your business. Includes
auto owned by your employees, partners, members, etc.
We can easily insure the following Missouri business types. >Click here to get your free Missouri Big Rig Truck Insurance Quote<
CEMENT CONTRACTING – COAL HAULING – CONSTRUCTION – COURIER SERVICE – COURTESY PASSENGER TRANSPORT – DEBRIS REMOVAL – DEMOLITION – DIRT, SAND & GRAVEL – ELECTRICIANS – EXPEDITERS – FARMING – FIREWOOD HAULING – BULK FLORIST Refrigerated DELIVERY – FOR-HIRE TRUCKING – FROZEN FOODS TRANSPORT – FURNITURE DELIVERY – GARBAGE COLLECTION – HAZARDOUS MATERIALS HAULING – HOTEL SHUTTLES – HOTSHOT TRANSPORT – ICE CREAM VENDOR – IMPOUND LOT – INTERIOR DECORATING – INDEPENDENT TRUCKING – LANDSCAPING – LEASED-ON BIG RIG TRUCKING – LINEN SUPPLY – LOGGING – LONG-HAUL TRUCKING – MOTORCYCLE DEALERSHIP – OWNER-OPERATOR – PIANO MOVING – PLUMBING – ROCK QUARRY HAULING – RECYCLING SERVICES – REFRIGERATED GOODS TRANSPORT – RETAIL FOOD MARKET – ROOFING – SHOPPING MALL DELIVERIES – SNOW PLOWING – TOW OPERATION – TREE SERVICE – WIDE LOAD HAULER – WRECKER SERVICES and much more.
Final Considerations
Every commercial truck operation should carry enough liability insurance coverage to protect its drivers, vehicles, and cargo in case of any unforeseen event. It is strongly recommended that operators contact their insurance agent or company representative in order to discuss their specific needs, determine the best type and amount of coverage needed, and get a quote on rates and premiums going forward. Following all these steps will ensure that you are in compliance with Missouri’s commercial truck insurance requirements and have adequate protection should something go wrong during transit.