Grain Hauling Insurance
Coverage for trucks hauling corn, soybeans, wheat, and other grain commodities from field to elevator.
Overview
Grain hauling is the backbone of Midwest agriculture. Whether you are running hopper bottoms from the field to the local elevator or moving grain cross-country to an export terminal, your trucks face real risks every day. Spills, rollovers on gravel roads, and contamination claims are part of the business. You need insurance built for the way grain haulers actually operate.
A grain hauling insurance program typically includes auto liability, physical damage, motor truck cargo, and workers compensation or occupational accident coverage. Depending on your operation, you may also need commercial property coverage for your shop and pollution liability if you haul treated seed or chemicals seasonally.
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 type of cargo insurance do grain haulers need?
Grain haulers need motor truck cargo insurance that covers the value of the grain in transit. Policies should cover spills, contamination, and weather damage. Most shippers and elevators require proof of cargo coverage before they will load your trailer.
Does auto liability cover my hopper bottom trailer?
Auto liability covers damage you cause to others, not your own equipment. To protect your hopper bottom trailer against collision, theft, or weather damage, you need physical damage coverage. We can quote both on one policy.
Do I need pollution liability for hauling grain?
Grain hauling typically does not require pollution liability unless you also haul treated seed or chemicals. If your trucks carry diesel in auxiliary tanks above a certain threshold, some carriers may recommend it. We review your full operation to determine what applies.
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605-275-9700