Farm Truck & Semi Insurance
Coverage for Farm Vehicles, Semis & Grain Haulers

Coverage for your Farm Use

Farm trucks and semis keep your operation moving-from field to elevator, through harvest and winter hauls. Insurance needs shift based on how you use your vehicles: local-only, seasonal, or hauling across county or state lines. Gateway Insurance can help you structure coverage to fit your farm use, and/or if applicable, commercial requirements

Key Protections for Trucks, Semis, and Grain Hauling

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Farm Vehicle Liability

Covers injuries or property damage you may cause while operating a farm truck or semi for farm use (local, not for hire).

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Physical Damage Coverage

Coverage for repairs or replacement if your farm truck, semi, or grain hauler is damaged by collision, fire, hail, theft, or rollover.

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Grain Hauling Insurance

Covers trucks and trailers used for seasonal grain hauling

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Commercial Auto for Farm Use

Required if you haul for hire, travel beyond your farm premises, or cross state lines-Gateway can explain the differences between the farm truck vs. where the commercial auto applies.

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DOT Filings & Certificates

For vehicles needing federal/state filings or elevator contracts, we can issue ID cards, COIs, and we also handle the paperwork.

Insurance for the Year

or Just the Season

Seasonal Use

Structure policies to reflect when trucks are on the road (harvest, planting, or winter feeding).

Vehicle Storage

Adjust coverage or suspend certain protections during off-season storage-ask about options for flexibility.

Driver/Vehicle Changes

Gateway can update policies as drivers or vehicles change throughout the year, just let our office know!

When Do You Need More Than a Farm Policy?

Farm truck Policy

Works for trucks used strictly for your own farm, within local radius, and not for hire.

Commercial Auto

Needed for grain hauling for hire, longer-distance runs, or if required by contracts/elevators-Gateway can review your operation with you and help clarify which applies to your situation.

Farm Truck & Semi Insurance-Questions Answered

  • Is my farm truck covered under my farm policy?

    No, most farm operations have their farm truck titled and drive them on public roads.

    If you haul for hire, cross state lines, or need higher limits, a commercial auto policy may be needed.

  • Do I need commercial auto for a farm semi?

    If the semi is used for anything beyond your own farm (hauling for hire, long-distance), you'll likely need commercial auto coverage.

  • How do I insure a grain truck that is used seasonally?

    Seasonal coverage is available and we can tailor the policy to your truck's usage.

  • What coverage do I need for hauling to elevator?

    Some elevators/contracts require higher liability or proof of insurance-Gateway can issue COIs (Certificates of Insurance) if needed, and can review your policy so you have the coverage you need.

Keep Your Farm Fleet Moving-Get a Farm Truck Insurance Quote

Gateway Insurance can review your routes, vehicle use, and contract needs to build coverage that keeps your vehicles and the drivers protected, and ready for harvest or hauling.