Types of Operations We Insure
We insure the full range of ag hauling operations — grain, livestock, milk, fertilizer, hay, feed, produce, and custom harvest crews. Each operation has its own risks and coverage needs.
Grain Hauling Insurance
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.
Fertilizer Hauling Insurance
Fertilizer hauling is essential to crop production across the Midwest and Plains states. Moving dry fertilizer from the plant to the co-op or directly to the field means running heavy loads on rural roads, often during tight planting and application windows. The cargo is valuable, the deadlines are real, and a spill can create environmental liability fast. You need an insurance program that understands these risks.
Livestock Hauling Insurance
Hauling livestock is one of the most demanding jobs in agricultural trucking. Cattle, hogs, sheep, and other animals are live cargo with specific handling, temperature, and timing requirements. An accident does not just damage a trailer — it can kill a $200,000 load of feeder cattle. Delays in summer heat or winter cold create mortality risk even without a wreck. Your insurance must cover the full picture.
Milk Hauling Insurance
Milk hauling runs on tight schedules. Tanker trucks pick up raw milk from dairy farms every day or every other day, often on rural routes with gravel roads and tight farmyard turns. The cargo is perishable and valuable — a single tanker spill or contamination event can cost tens of thousands of dollars. Dairy co-ops and processing plants require proof of insurance before you pick up your first load.
Hay Hauling Insurance
Hay hauling keeps livestock operations fed across the Midwest and West. Whether you are running round bales from the field to a local feedlot or hauling premium alfalfa across state lines, your trucks face risks that are specific to this cargo. Hay fires, load securement failures, and overweight violations are part of the business. Your insurance should account for all of it.
Feed Hauling Insurance
Feed delivery keeps livestock operations running. Whether you operate bulk feed trucks delivering to dairy farms, feed tenders servicing cattle feedlots, or a mixed fleet hauling supplements and minerals, your equipment is on the road daily. Rural routes, farm access roads, and tight delivery areas create risks that general trucking insurance does not always address. You need coverage built for the feed hauling business.
Potato Hauling Insurance
Potato hauling is a critical link between the field and the processing plant. Harvest season means high-volume, time-sensitive loads moving from the field to storage and then to processors throughout the year. Potatoes bruise easily, freeze quickly, and lose value fast if handled wrong. Your insurance needs to cover the cargo, the equipment, and the operation that moves it.
Fresh Produce Hauling Insurance
Fresh produce hauling demands precision. Reefer trailers must maintain exact temperatures from the moment product is loaded until it reaches the distribution center or retailer. A mechanical failure, an accident, or even a delay can turn a $50,000 load of produce into a total loss. Produce haulers face strict shipper requirements, tight delivery windows, and high-value cargo every trip.
Custom Harvester Insurance
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.
Coverages Available
Auto Liability
Required coverage for bodily injury and property damage caused by your trucks on the road.
Learn more →
Physical Damage
Protects your trucks and trailers against collision, rollover, theft, and weather damage.
Learn more →
Motor Truck Cargo
Covers the agricultural commodities you haul if damaged, spoiled, or lost in transit.
Learn more →
Workers Compensation
Covers medical bills and lost wages for employees injured on the job.
Learn more →
Occupational Accident
Injury and disability coverage for owner-operators and independent contractors.
Learn more →
Commercial Property
Protects your shop, office, warehouse, and equipment from fire, storms, and theft.
Learn more →
Pollution Liability
Covers cleanup costs and damages from fuel spills or chemical releases during transport.
Learn more →
Cyber Insurance
Covers data breaches, ransomware attacks, and business interruption from cyber events.
Learn more →
Captive Insurance
Self-insurance structure for larger fleets that want more control over premiums and claims.
Learn more →
Life Insurance
Income protection for your family if something happens to you on the road or at home.
Learn more →Frequently Asked Questions
Which types of agricultural trucking operations do you insure?
We insure grain hauling, fertilizer hauling, livestock hauling, milk hauling, hay hauling, feed delivery, potato hauling, fresh produce hauling, and custom harvest operations. Each operation has its own coverage profile based on cargo, trailer type, and route.
Can I get coverage if I haul more than one type of commodity?
Yes. Many ag haulers run grain in the fall, fertilizer in the spring, and hay or feed year-round. We write policies that account for multiple cargo types and seasonal mileage changes so you are not overpaying when trucks are parked.
Do you cover owner-operators and small fleets?
Yes. We work with single-truck owner-operators, family-run small fleets, and larger operations with dozens of units. The coverage program is built around the size and scope of your operation.
LET'S TALK
605-275-9700