Agricultural Trucking Coverage
Every ag hauling operation has different risks. Here is the full range of coverage we build into insurance programs for agricultural trucking companies.
Auto Liability
Auto liability covers bodily injury and property damage you cause to others while operating your trucks. Every state requires it, and most ag hauling contracts demand limits well above the minimum. We match your liability limits to the loads you run and the states you cross.
Physical Damage
Physical damage covers your own trucks and trailers for collision, rollover, theft, vandalism, fire, and weather events. Ag trucks take a beating on gravel roads and in harsh conditions. We write policies that cover your rigs at actual cash value or agreed value depending on your situation.
Motor Truck Cargo
Motor truck cargo insurance covers the goods you are hauling if they are damaged, lost, or spoiled during transit. Agricultural commodities like grain, livestock, and milk each have specific risks. We write cargo policies tailored to the type of load, trailer, and route you run.
Workers Compensation
Workers compensation covers medical expenses and lost wages when your employees are injured on the job. If you have drivers or warehouse staff, most states require it. Agricultural exemptions vary by state, so we help you figure out exactly what you need.
Occupational Accident
Occupational accident insurance provides injury, disability, and death benefits for owner-operators and independent contractors who are not covered by workers comp. Many ag haulers use 1099 drivers. This policy fills that gap and keeps your operation compliant with broker requirements.
Commercial Property
Commercial property insurance covers your buildings, equipment, tools, and inventory against fire, storms, theft, and other covered events. If you own a shop, office, or warehouse, this policy protects the physical assets that keep your operation running.
Pollution Liability
Pollution liability covers cleanup costs and third-party damages from spills during transport. Hauling diesel, fertilizer, or liquid chemicals creates real spill risk. One rollover on a county road can trigger EPA involvement and six-figure cleanup bills. This policy covers that exposure.
Cyber Insurance
Cyber insurance covers data breaches, ransomware, and business interruption from cyber attacks. Trucking companies rely on ELDs, dispatch software, and digital billing. A ransomware attack can shut down your dispatch for days. This policy covers recovery costs and lost income.
Captive Insurance
Captive insurance lets larger trucking operations form their own insurance company to cover part of their risk. You fund your own claims, keep underwriting profit when losses are low, and still carry reinsurance for catastrophic events. It works best for fleets with strong safety records and enough scale to self-fund.
Life Insurance
Life insurance protects the people who depend on your income. For owner-operators and small ag trucking businesses, it covers a mortgage, replaces lost income, pays off business debt, and keeps the family operation going. We write term and permanent life policies sized to your actual obligations.
Types of Operations We Cover
Grain Hauling Insurance
Coverage for trucks hauling corn, soybeans, wheat, and other grain commodities from field to elevator.
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Fertilizer Hauling Insurance
Insurance for trucks transporting dry fertilizer, anhydrous ammonia, and other agricultural chemicals.
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Livestock Hauling Insurance
Insurance for cattle pot trailers and livestock haulers moving cattle, hogs, and other animals.
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Milk Hauling Insurance
Coverage for bulk milk tanker trucks picking up and delivering raw milk from dairy farms.
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Hay Hauling Insurance
Insurance for trucks hauling round bales, square bales, and other hay and forage products.
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Feed Hauling Insurance
Coverage for bulk feed trucks and tenders delivering livestock feed to farms and feedlots.
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Potato Hauling Insurance
Insurance for trucks hauling potatoes from harvest to storage facilities and processing plants.
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Fresh Produce Hauling Insurance
Insurance for refrigerated trucks hauling fresh fruits, vegetables, and perishable agricultural products.
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Custom Harvester Insurance
Full-operation coverage for custom harvest crews — trucks, combines, equipment, crew, and liability.
Learn more →Frequently Asked Questions
What insurance is required for an agricultural trucking operation?
At minimum you need auto liability that meets state and federal requirements for the vehicles you operate. Most agricultural haulers also carry physical damage, motor truck cargo, and either workers comp or occupational accident coverage for drivers. Shipper contracts often require specific limits above the legal minimum.
Do I need pollution liability if I do not haul hazmat?
It depends. If you carry diesel in auxiliary tanks, haul treated seed, or move liquid fertilizer, pollution liability is worth carrying even without a hazmat classification. A spill on a county road can create cleanup costs that auto liability does not pay.
Can one policy cover trucks, equipment, and the shop?
Yes. Most agricultural trucking operations bundle commercial auto, physical damage, cargo, commercial property, and equipment coverage into one program with the same carrier or related carriers. It simplifies billing and reduces gaps between policies.
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