Understanding farm ATV and UTV insurance

When is your farm ATV/UTV protected?

ATVs and UTVs built for farm or ranch work can be covered under a farm insurance policy, offering liability protection both on and off your property as long as the vehicles are used for agricultural purposes. On-premises recreational use can also be covered on an unendorsed farm policy. To safeguard against physical damage, these vehicles can also be insured under your farm property insurance policy—just make sure they’re specifically listed with the help of your insurance agent.

It’s important to note that liability protection does not extend to recreational, non-farm use of ATVs on public roads or at any location off an insured premises. If you frequently use your ATVs or UTVs off your property for recreational purposes, consider discussing optional coverage with your agent. This additional protection is strongly recommended for owners of ATVs intended for recreational use, ensuring peace of mind wherever your adventures take you.

ATVs and UTVs licensed for road use may need coverage through a commercial auto policy or a recreational vehicle policy. To learn more, talk with a local Nationwide Farm Certified agent.