Agriculture & Farming Insurance
Commercial Auto Insurance
for Agriculture & Farming
Farm trucks, trailers, and utility vehicles used for business purposes are not covered by personal auto policies. Commercial auto insurance covers your farm vehicles — whether hauling equipment between fields, transporting livestock to market, or driving to the co-op — against accidents, liability, and physical damage.
Industry-Specific Insight
Why Agriculture & Farming Businesses Need Commercial Auto Insurance
Farm trucks, trailers, and utility vehicles used for business purposes are not covered by personal auto policies. Commercial auto insurance covers your farm vehicles — whether hauling equipment between fields, transporting livestock to market, or driving to the co-op — against accidents, liability, and physical damage.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for agriculture & farming operations.
FAQs
Common Questions from Agriculture & Farming Businesses
Do farm trucks need commercial auto insurance?
Yes, if the truck is used in the operation of a farm business — hauling crops, feed, or equipment — it needs commercial auto coverage. Personal auto policies exclude business use.
Can I insure a mixed fleet of trucks and trailers under one policy?
Absolutely. We can bundle your farm vehicles, trailers, and equipment haulers into a fleet policy that simplifies billing and often reduces total premium.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Agriculture & Farming Businesses Commonly Need
A complete protection plan for agriculture & farming operations typically includes several complementary coverages.
Agriculture & Farming · Commercial Auto
Get Commercial Auto Coverage for Your Agriculture & Farming Business
Our licensed agents specialize in agriculture & farming insurance. We compare options from 96+ carriers to find the right commercial auto coverage at a competitive price.