Custom Harvester Insurance
Full-operation coverage for custom harvest crews — trucks, combines, equipment, crew, and liability.
Overview
Custom harvesting is more than just trucking — it is a full mobile operation. Your crew, your combines, your headers, your grain carts, and your trucks all move from farm to farm, often across multiple states, during a narrow harvest window. A single breakdown, accident, or injury can derail your season. You need an insurance program that covers the entire operation, not just the trucks.
Custom harvester insurance covers the full operation — not just trucks. You need auto liability and physical damage for your trucks and trailers, inland marine or equipment coverage for combines, headers, and grain carts, motor truck cargo for grain in transit, workers compensation for your crew, occupational accident coverage for any 1099 operators, commercial property for your shop and stored equipment, and equipment breakdown coverage to get you back in the field fast when a combine goes down during harvest.
We build one program that covers all of it so nothing falls through the cracks when you are running across multiple states during harvest season.
Trailer Types We Insure
Trailer type affects rating, cargo exposure, and underwriting. Tell us what you run and we will build the policy around your actual equipment.
Coverages Available
Auto Liability
Required coverage for bodily injury and property damage caused by your trucks on the road.
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Physical Damage
Protects your trucks and trailers against collision, rollover, theft, and weather damage.
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Motor Truck Cargo
Covers the agricultural commodities you haul if damaged, spoiled, or lost in transit.
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Workers Compensation
Covers medical bills and lost wages for employees injured on the job.
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Occupational Accident
Injury and disability coverage for owner-operators and independent contractors.
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Commercial Property
Protects your shop, office, warehouse, and equipment from fire, storms, and theft.
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Pollution Liability
Covers cleanup costs and damages from fuel spills or chemical releases during transport.
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Cyber Insurance
Covers data breaches, ransomware attacks, and business interruption from cyber events.
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Captive Insurance
Self-insurance structure for larger fleets that want more control over premiums and claims.
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Life Insurance
Income protection for your family if something happens to you on the road or at home.
Learn more →Frequently Asked Questions
What insurance does a custom harvesting operation need?
A custom harvest operation needs auto liability and physical damage for trucks, inland marine or equipment coverage for combines and headers, motor truck cargo for grain in transit, workers comp or occupational accident for crew members, commercial property for shop equipment, and general liability for operations on customer farms.
Does standard trucking insurance cover combines and headers?
No. Combines, headers, grain carts, and other harvest equipment require separate coverage — typically inland marine or farm equipment policies. Standard commercial auto only covers your trucks and trailers. We bundle everything into one program so nothing falls through the cracks.
Do I need workers comp for seasonal harvest crew?
In most states, yes. Seasonal employees are still employees. Custom harvest work is physically demanding and involves heavy equipment, which means injury risk is high. Workers comp covers medical bills and lost wages. Some states offer agricultural exemptions, but they do not always apply to custom harvest operations.
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605-275-9700