Just as trucks are essential to farm operations, so is having the right insurance to protect them. Farm truck insurance (or farm-use auto insurance) covers vehicles used primarily for agricultural operations, such as hauling feed, transporting produce or driving on farm property. A comprehensive farm auto insurance plan can cover accidents, theft and unexpected damage — helping to protect your vehicles and your livelihood.
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Farm truck insurance
Farm truck insurance is typically a commercial auto policy that's bundled with your main farm or ranch policy. This package offers several benefits:
- Coverage for autos used in farm operations
- A single bill for convenience
- Potential discounts for multiple policies
Farm truck insurance helps protect your essential vehicles from damage, accidents and liability incurred during daily operations.
Most states legally require at least basic liability coverage, which helps pay for expenses if you damage another vehicle or injure someone in an accident. This coverage is essential for any agricultural business that relies on autos as part of its operations.
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How much is farm truck insurance?
Your premium depends on your location, coverages selected, deductibles, exclusions and policy conditions. The coverage options that affect cost include:
- Liability coverage. Helps cover expenses related to bodily injury or property damage caused to others and is required in many states.
- Collision and comprehensive coverage. Collision helps to pay for damages after an accident with another vehicle or object, while comprehensive may help to cover losses from vandalism, weather events, theft, and accidents with animals.
- Uninsured and underinsured motorist. Protects you if you are involved in an accident with a hit-and-run driver, an uninsured driver or a driver who does not have enough insurance to cover the loss.
- Medical payments and personal injury protection (PIP). Helps cover medical bills, lost wages and accident-related costs regardless of fault.
- Operational add-ons. Options such as roadside assistance, towing and labor coverage, and rental reimbursement to keep your farm operating when a vehicle is out of commission.
Additional coverage for farm trucks
Farm Auto Advantage endorsements (PDF) can be added to your base policy, with Plus, Gold and Platinum levels available.
Talk to your Nationwide agent to find out what farm truck insurance options are right for you.
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