Commercial Truck Insurance Missouri

commercial truck Insurance

To get your free no obligation Commercial Truck Insurance Quotes Missouri. Contact JDW Truckers Insurance.

Our agents are trained commercial truck insurance agents who know the trucking insurance markets in Missouri. JDW specializes in helping Missouri trucking operations shop and compare quotes to help you find the most affordable insurance rates for your trucks with a policy that offers the coverages you want for your company. JDW can write insurance policies to cover your fleets, including owner operators and new venture truck insurance. From our fast and easy request form we start requesting quotes from our large network of commercial truck insurance carriers.
We work with high AM Best rated insurance carriers to help you make sure shippers will accept your COI and you do not miss loads.

And at no cost you will have access to our free 24/7 COI application to help insure you do not miss a load due to the lack of a COI. You do not have to contact your agent. If you are trying to pick up a load on Saturday night a 11 pm or any time. You can have a COI sent to the shipper of your choice in a matter of minutes.

Trucking Insurance Programs and Commercial Truck Insurance Companies

  • From this form, we can offer quotes to:
    • Fleets - (Fleet pricing and reporting options start at 10+ power units to 300 power units with reporting options.) Before sending us your Fleet Information. If you would like to know our capabilities - Click here - We have many markets to help your fleet. Preferred markets, standard markets, high risk and cancellation with a quick turn around.
    • Owner Operators - 1 - 4 Power Units. (We can offer quotes from our network insurance companies to find your right coverage and help you increase your bottom line.)
    • Small Fleets - (Small truck fleet insurance pricing starting 5 to 10 power units). Before sending us your Fleet Information. If you would like to know our capabilities - Click here
    • New Authority - Starting a new authority can be costly if you overpay or do not have the correct coverages. In many cases we can shop and request quotes from 4 or more insurance companies depending your company operational profile.
    • Hazmat - All classes - New Authority - Owner Operators - Fleet Discounts
    • UIIA - Filing and support - New Authority - Owner Operators - Fleet Discounts. Having the correct endorsement is key working with the UIIA.
    • Amazon - We have many clients who work in the different Amazon Relay programs.
    • Uber Freight
    • High Risk - You may be high risk to one insurer but not another - we can help you find out. We can offer quick turn around quotes in most cases.
    • Canceled / Non-Renewed - Sudden cancellation or non-renews can mean not getting loads. We can move fast to help you keep your authority active
    • Rapid Growth Programs - Under pressure to stop growing or worried about being canceled for rapid growth? We have  programs that will let you grow at your own pace without these worries
    • We do not quote hotshots / pickup trucks, dump or auto haulers without at least 3 years of insurance in place with not gaps in coverages.
  • JDW Truckers Insurance knows the commercial trucking insurance markets. All we offer is commercial trucking insurance. We work with a large network of underwriters and trucking insurance companies to make we can shop and compare quotes for you from many different insurance companies who offer trucking insurance.
    1. Berkley Prime
    2. Falls Lake
    3. Progressive
    4. Travelers
    5. Seneca
    6. Great Lakes
    7. Allied World
    8. Allianz
    9. Ace Hazmat
    10. ACE Fleet
    11. United Specialty
    12. Hudson Fleet
    13. Markel
    14. Chubb
    15. Arch
    16. Tokio Marine
    17. Sompo International
    18. National General
    19. Lexington
    20. AIG
    21. Great American
    22. ACE / Westchester
    23. NICO
    24. National Casualty / Nationwide
    25. Scottsdale Brokerage
    26. IAT
    27. Crum Forster
    28. Canal
    29. Northland
    30. USLI
    31. James River
    32. IFG – Burlington
    33. Penn-America
    34. Century
    35. Hallmark
    36. Carolina Casualty
    37. Protective
  • Primary liability
  • Cargo
  • Physical damage
  • Reefer
  • UIIA
  • Hazmat
  • Interstate
  • Owner operators
  • Fleet owners commercial truck insurance
  • Small fleet truck insurance
  • New Authority
  • High risk
  • Rapid growth
  • Excess

Text or Call JDW for Q&A plus quotes

(plz do not text and drive)


Navigating owner operator truck insurance in Texas can be time consuming and sometimes even overwhelming. Who do you trust your lively hood to help you find the most affordable commercial truck insurance rates? And at the same time making sure you have the correct coverages in place which will respond in your favor if a claim is filed.
All our company offers is commercial truck insurance. Our goal is work one on one with our clients to help them achieve these goals.
Our customer service is second to none. Never miss a load because you could not get a fast COI. We offer free 24/7 COIs.
We make this simple and have a fast response time.

 Commercial Truck Insurance Missouri

Get Quotes

Small fleet truck insurance in Texas. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions.
How many trucks can I grow to?
Can I add and remove trucks?
How fast can I swap trucks?
Can I have owner operators leased on?
How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks.
We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates.
Our carriers have high AM Best Ratings.

 Commercial Truck Insurance Missouri

Get Quotes

No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement?
What chassis pools are your working with?
If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis.
Does your trailer interchange offer the same coverage as non-owned trailer coverage?
Do you have the correct blanket AI and WOS endorsements?
Do I need workers compensation?
Can I work ports and rails?
Is there a radius limit?
You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages.
Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?

 Commercial Truck Insurance Missouri

Get Quotes

Acquiring the correct hazmat insurance in Missouri with the correct coverages is very important.

Having the correct endorsements such as the CA 9948, if needed, if vital to helping protect your company against claims.
  • Class 1 – Explosives
  • Class 2 – Gases
  • Class 3 – Flammable Liquid
  • Class 4 – Flammable Solid
  • Class 5 – Oxidizing Substances; Organic Peroxides
  • Class 6 – Poisonous (Toxic) and Infectious Substances
  • Class 7 – Radioactive Material
  • Class 8 – Corrosives
  • Class 9 – Miscellaneous Dangerous Goods

 Commercial Truck Insurance Missouri

Get Quotes

Shopping for the Best Trucking Insurance for New Authority in Texas can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. 
Chances are most new authorities shop for the best price. They want the least expensive but buying based upon price only could cost you more money in the long run.

What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. 

There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money.

Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.

 Commercial Truck Insurance Missouri

Get Quotes

Commercial Truck Insurance Quotes Missouri

There can be a wide variety of trucking insurance options to choose from for your trucking operation in Missouri. The goal is not to underinsured which could lead to a claim not being paid fully paid or not at all. While at the same time not being over insured which could drain your cash reserves. Our agents at JDW Truckers Insurance will work with you one on one to help you build the right policy to suit your needs and respond when needed at affordable rates that fit your budget.

Primary Liability Insurance

  • Your primary liability will be the major cost for your trucking insurance policy.  Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
  • Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.

Medical Pay

  • In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.

PIP – Personal Injury Protection

  • Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
  • Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.

Uninsured Motorist

  • If you’re hit by a driver with no insurance…
    • Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
    • Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.

Underinsured Motorist

  • If you’re hit by a driver with not enough insurance…
    • Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
    • Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle.

Motor Truck Cargo

  • MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
  • If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
  • Cargo insurance deductibles can be set at $1,000, $2,500, $5,00 or even higher if you are self-insured.
  • Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
  • Cargo policies can have exclusions stating what cargo it will or will not cover.

General Liability Insurance for Truckers

  • General liability insurance for truckers should not be confused with primary liability for truckers.
  • Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
  • For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
  • The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
  • General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
  • It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
  • General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
  • If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.

Trucking Physical Damage Insurance (PD)

  • Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
  • If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
  • PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
  • Deductibles for physical damage range from $1,000 to $5,000.
  • Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.

Non-Owned Trailer Insurance vs Trailer Interchange (TI)

  • Both are insurance coverages are designed to cover damage to others trailers.
  • Deductibles for either can range from $1,000 to $5,000.
  • Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.

The difference between Non-Owned Trailer coverage and Trail Interchange coverage

  • Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
  • Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.

Excess Liability Insurance

  • Excess liability can sometimes be called umbrella insurance.
  • The excess liability policy sits on top of your primary liability policy.
  • For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
  • Excess policy coverage starts at $1,000,000 and go up.
  • So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.

There are more commercial truck insurance options in Missouri which JDW Truckers Insurance can review with you. The fast way is to complete our online commercial truck insurance quotes form. This way we can start doing our research for you right away and then contact you to discuss the best way to tailor your trucking insurance policy to suite your needs and save you money.

JDW Truckers Insurance offers commercial truck insurance quotes for the entire state of Missouri.

  1. Houston
  2. San Antonio
  3. Dallas
  4. Austin
  5. Fort Worth
  6. El Paso
  7. Arlington
  8. Corpus Christi
  9. Plano
  10. Laredo

From one application we can shop & compare commercial truck insurance rates form the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.

Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.

We know trucking and the commercial trucking insurance requirements

  1. Knight
  2. Trisura
  3. Berkley Prime
  4. Falls Lake
  5. Progressive
  6. Travelers
  7. Seneca
  8. Great Lakes
  9. Allied World
  10. Allianz
  11. Ace Hazmat
  12. ACE Fleet
  13. United Specialty
  14. Hudson Fleet
  15. Markel
  16. Chubb
  17. Tokio Marine
  18. National General
  19. Lexington
  20. AIG
  21. Great American
  22. ACE / Westchester
  23. NICO
  24. National Casualty / Nationwide
  25. Scottsdale Brokerage
  26. IAT
  27. Crum Forster
  28. Canal
  29. Northland
  30. USLI
  31. James River
  32. IFG – Burlington
  33. Penn-America
  34. Century
  35. Hallmark
  36. Carolina Casualty
  37. Protective

JDW Truckers Insurance offers commercial truck insurance quotes in:

FL – SC – TX – CA – TN – IN – MS – NC – AL – NV – MO – VA – GA – PA – IL – OH – AR –