So your current car insurance provider won't insure your new grain truck? Probably not. That's where Farm Auto coverage comes into play. We can insure all of your farm vehicles and stock trailers for liability, physical damage protection including comprehensive (including cab glass breakage), collision and upset.

Here is some food for thought:

Do you assume liability coverage for your stock trailer extends from the towing vehicle?
Most policies exclude liability coverage for trailers exceding a load capacity of 2,000 pounds. This means any of your larger trailers, tandem axle trailers, and goose-neck trailers need to be specifically insured as coverage does not extend from the towing vehicle.

Do you have a farm auto policy and assume borrowed, rented or leased vehicles are covered?
Coverage for hired autos is not automatically given on a commercial farm auto policy. It must be specifically designated on your commercial auto declarations sheet. If you ever borrow a neighbors vehicle, lease equipment, or rent a car on vacation, you will want to verify hired auto coverage for liability and physical damage coverage.

You borrow your hired man's pickup to run into town to pick up parts. You drive through a blind intersection and collide with another vehicle and severely injure the other driver. Do you have coverage?
Coverage is generally excluded on a commercial auto policy for autos belonging to your employees, partners, members, and their respective households. Non-owned Auto coverage must be specifically stated on your policy to have liability protection when driving these types of vehicles.

These are just a few situations that may not have occurred to you, or even to your agent if they didn't know about them. It's important to let your agent know of any activities that may create a need for additional coverages. If you would like to discuss your current coverages or have a special situation that needs addressed, feel free to call us at 800-627-2241.