Whether you are a Missouri resident or just driving through, you are required by law to carry some basic auto insurance. Unfortunately, thousands of people are involved in accidents every year who don’t follow the law. That makes it even more important that you, as a responsible driver, have the right insurance to protect yourself. At Travers Insurance in Webster Groves, MO, we have been around for 70 years through three generations. We have survived by providing our customers with personal service they can count on.
Mandated auto insurance is liability coverage and uninsured motorist. Liability protects others from the results of your actions. If you cause an accident, you must have $25,000 for injuries to each person. The total per accident of $50,000 and $10,000 for property damage. Uninsured motorist coverage must equal the bodily injury coverage of your liability insurance. Your lender or lessor will require that you carry additional coverage to protect their vehicle.
Most people count on their vehicles for conducting the everyday business of life. Depending on where you live, public transportation may not be an option. If you own a vehicle but don’t have a loan, you can go without collision and comprehensive. The question is, do you want to? If you can easily pay for any repairs to your vehicle from an at-fault accident, then, by all means, skip the additional coverage. If you are like most people, you don’t have thousands of dollars just sitting around to use for repairs.
Collision pays for your vehicle’s repair after a motor vehicle accident, comprehensive covers for damage due to events beyond your control, storms, theft, fires, etc.
If you have questions about auto insurance coverage at Travers Insurance in Webster Groves, MO, we have answers. Contact us for a no-obligation quote.
Missouri Commercial Insurance Options
If you’re in Missouri and you own a small business, there are several types of commercial insurance that you should have. However, there are only two types that the state makes mandatory for certain small businesses. If you need commercial insurance for your small business, call us at Travers Insurance in Webster Groves, MO for an appointment.
Commercial Auto Insurance
In Missouri, all vehicles owned by a business have to have commercial auto insurance policies. This coverage comes with specific minimums for bodily injury liability, property damage liability, and uninsured motorist coverage. It isn’t required to cover personally owned vehicles driven for work reasons to be covered by a commercial policy. However, it is recommended that those vehicles be covered by a policy called hired and non-owned insurance. This is important because personal auto insurance often doesn’t pay for vehicles used for business purposes.
Workers’ Compensation Insurance
This type of commercial insurance is required under Missouri law for any business that has at least five employees, even if they are part-time workers. Certain industries, such as construction, require this commercial insurance to be carried even if there is just one employee of the business. This type of commercial insurance is for paying medical bills if an employee were to get injured or sick at work.
Make Your Appointment
If you have a small business, you likely need the right insurance to keep the coverage legal. Call us at Travers Insurance in Webster Groves, MO to make an appointment to talk to an agent about the commercial coverage you need. An agent can talk to you about the appropriate coverage for your specific business.
Water is fun when you are enjoying it in a pool, lake or ocean – it is not fun when you are experiencing it in your home!!
Water losses can be costly and burdensome, but the good news is most are avoidable through preventative steps and advances in water detection technology. In January 2020, we introduced you to StreamLabs Monitor™, a DIY water detection device option.
StreamLabs uses patented ultrasonic technology with real-time, mobile leak alerts to help mitigate home water damage. The price of StreamLabs begins at $169.
Benefits for our clients:
- StreamLabs offers our customers a $30 discount at the time of purchase, when they use your unique agency promo code (provided to you from our agency upon enrollment).
If you are interest in enrolling, please contact our agency at 314-962-2922.