Auto Insurance for Farms

General concepts

Nowadays, it is difficult to imagine life without cars, because they help us get to the right place quickly and comfortably. But even now, buying a vehicle is not cheap. That is why after buying a new car, drivers try to ensure their financial stability in case something happens to their car. For this purpose, they contact insurance companies offering various types of vehicle insurance, and then the question arises: “What should I choose?”.

Auto insurance is a type of insurance coverage that is designed to protect the property interests of the insured related to the costs of restoring a vehicle after an accident, breakdown, or purchasing a new car after theft or hijacking, compensation for damage caused to third parties during the operation of the car.

One of the types of auto insurance is insurance of agricultural machinery and related vehicles.

Why is Auto Insurance critical for farms?

Farmers often update their fleet of equipment. Therefore, they should take care of the safety of new tractors and combines. For example, equipment can be insured against many risks.

Agricultural machinery insurance allows you to compensate for losses caused by fire, lightning strike, earthquake, hurricane, landslide, flood, hail, illegal actions of third parties, robbery, road accidents and other risks. When insuring the risk of a road accident, you should make sure that it includes collisions, falls or overturning of equipment both on public roads and in the field. Most insured equipment is that which was purchased on credit or lease.

However, rented equipment will most likely be refused insurance. If the equipment is collateral in a bank, then it is subject to insurance. The terms of the contract, namely the amount of the insured amount, the list of risks and the percentage of the deductible, are set by the bank. A farmer can insure from one to all possible risks. Mandatory for insurance is the risk of fire. The insurance period almost always lasts 12 months and is valid from the moment the contract is signed. It can be concluded on any working day. The farmer must provide the information necessary for risk assessment. In addition, what equipment is being insured and where it is located, fire safety conditions and information about the protection of equipment at night must be specified.

Getting insurance

To count on compensation, the owner must notify the insurance company of the occurrence of the insured event. In this case, it is prohibited to move the equipment or somehow change the scene of the incident. After all, the next day a representative of the insurance company arrives at the farm, alone or together with an independent emergency commissioner, and records the fact of the occurrence of the insured event.

The insurance company can involve external experts to verify the accuracy of the information provided by the policyholder. If the equipment is damaged, you can check whether the amount of damage indicated in the letter corresponds to the repair costs. There are cases when unscrupulous policyholders try to inflate the amount of such expenses. If there is a suspicion that the client intentionally caused damage to the equipment, then the insurance company has its own internal security service that investigates such a case.

Types of Equipment That Need Insurance Coverage

Agricultural businesses use a wide range of equipment, each with specific insurance requirements. Common farm vehicles include:

• Light trucks: Pickup trucks or flatbeds used for running errands, making small deliveries, or visiting sites.
• Heavy trucks: Large vehicles, such as semi-trailers, used to transport livestock or bulk products.
• Unregistered farm equipment: Tractors or other equipment used exclusively on private property, often covered by farm owner policies.
• Trailers: Utility or livestock trailers used to transport equipment or goods.
• Specialty equipment: Combine harvesters, sprayers, and more—anything that may occasionally travel on public roads.

Understanding the types of vehicles used on a farm is crucial to choosing the right coverage. For example, heavy trucks require commercial auto policies due to their business use, while unregistered vehicles may be covered by a broader agricultural policy.

Let’s explore how three leading providers – biBERK, Infinity Auto, and NEXT – offer commercial auto insurance tailored to farm needs.

BiBERK Auto Insurance is a reliable solution for small and medium-sized businesses that provides protection for commercial vehicles from various risks. The company is part of the well-known Berkshire Hathaway group, which in itself guarantees stability and financial security. Thanks to this, farmers and entrepreneurs can be sure that their investments in transport are under reliable insurance protection. In particular, the company offers coverage for pickup trucks, trucks, cars and other commercial vehicles that are actively used in business activities. In addition, the company provides flexible insurance conditions – the farmer can choose exactly the level of coverage that meets his needs. Thus, by choosing BiBERK, farmers receive not only financial support in the event of incidents, but also peace of mind for the future of their fleet.

Key features

• Belongs to Berkshire Hathaway. BiBERK is part of the financially well-known Berkshire Hathaway corporation. This ensures high reliability, trust and stability of insurance obligations.
• Specialization in small business. In addition, the company focuses specifically on small and medium-sized businesses, including farms. Therefore, its products are adapted to the specifics of farmers’ daily work.
• Online registration and convenience. Another important advantage is the ability to quickly apply for a policy online, without unnecessary paperwork. This simplifies insurance processes and significantly saves your time.
• Flexibility of insurance coverage. Moreover, BiBERK allows you to individually customize the policy according to the client’s needs – from basic coverage to extended options.
• Competitive rates without intermediaries. Finally, BiBERK works without insurance agents, which allows you to reduce costs and offer clients a fair insurance price without additional commissions.

Advantages

• Reliability thanks to Berkshire Hathaway: First of all, biBERK is part of Berkshire Hathaway — one of the most stable financial groups in the world. This guarantees customers financial confidence and security.
• Direct insurance without intermediaries: In addition, the company works directly, without agents, which allows you to reduce the cost of the policy and avoid hidden commissions.
• Convenient online registration: It is also worth noting the modern approach to service — all processes, including price calculation and contract registration, are available online.

Disadvantages

• Limited customer support: On the other hand, due to the online model, some customers complain about slow or insufficient support in difficult situations.
• Not available in all states: In addition, BiBERK does not yet provide insurance services in all US states, which may be an inconvenience for farmers in certain regions.
• Fewer physical offices: Finally, the company does not have a wide network of offices, so personal advice or live service may be limited.

biBERK’s online approach cuts out the middleman, potentially reducing premiums by up to 20% compared to traditional insurers. Farmers can get quotes, purchase policies, and submit claims through a convenient website or mobile app, saving time for busy agricultural operators. With a high customer satisfaction rating (4.19/5 on BBB, 4.5/5 on Trustpilot) and minimal complaints, this company is a reliable choice.

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Infinity Auto Insurance is one of the well-known insurance companies in the USA, which specializes in providing affordable and flexible auto insurance for a wide range of clients. In particular, it is well suited not only for individuals, but also for small businesses, including farms. Thanks to its extensive experience in the market, the company offers solutions that meet the specifics of daily use of transport for commercial purposes.

First of all, the company attracts customers with competitive rates, as well as the ability to take out insurance for drivers with a less than ideal history. In addition, it provides a variety of coverage options – from minimal protection to comprehensive policies with an expanded set of options. So, if a farm is looking for a balanced combination of price, flexibility and basic coverage, Infinity Auto Insurance can be a profitable choice.

Key features

• Specialization in auto insurance: The company focuses specifically on vehicle insurance, so its products are detailed and adapted to different categories of drivers and vehicles.
• Online and offline services: Clients can manage their policies both online and through a network of agents – which is convenient for different types of users.
• Ability to include additional coverage: In particular, coverage against theft, natural disasters, legal expenses and other risks is available, which is important for farm cars.
• Installment or monthly payment: Finally, Infinity allows you to pay for insurance in installments, which makes budget planning easier for small businesses.

Advantages

• Affordable prices for a wide range of drivers: First of all, Infinity offers favorable rates, especially for drivers on a budget or with a less than ideal insurance history.
• Flexible coverage options: In addition, the company allows you to choose the level of protection according to your needs – from a basic policy to full insurance with additional options.
• Multilingual support: Another advantage is the availability of service in several languages ​​​​(including Spanish), which is especially convenient for multicultural regions of the USA.

Disadvantages

• Limited presence in some states: On the other hand, the company is not active in all states, which can make it difficult for some customers to access services.
• Complaints about quality of service: In addition, reviews often mention delays in processing applications or difficulties communicating with support.
• Can be more expensive for drivers with a good history: Finally, for drivers with a clean history, there are cheaper alternatives with a similar level of coverage.

Infinity is an excellent choice for farms in states like California, where it specializes in meeting state-specific requirements. Its focus on high-risk drivers and nonstandard coverage makes it ideal for farms with unique insurance needs, such as those employing drivers with less-than-perfect records. However, premiums may be higher than average due to its focus on high-risk profiles.

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Next Auto Insurance is a modern online insurance company that specializes in auto insurance for small businesses, including farms. Thanks to its fully digital approach, it allows you to quickly apply for an insurance policy, without the need for long meetings with agents or filling out a large amount of documents.

First of all, the company attracts with its simplicity and accessibility. The entire process — from choosing coverage to submitting an application — takes place online, which significantly saves time. In addition, Next offers flexible insurance packages tailored to the needs of a specific business, including vehicles used in farming activities.

So, for those looking for technologically convenient, transparent and fast auto insurance with a focus on business clients, Next Auto Insurance may be the ideal option.

Key features

• A-to-Z digital platform: Customers can apply for, change or cancel their policy from the comfort of their home – everything works via a mobile app or website.
• Integration with other insurance products: Next allows you to combine auto insurance with other types of coverage, such as general liability or workers’ compensation.
• Instant documents and certificates: Finally, customers receive all documents immediately after application, which is convenient for quick confirmation of coverage.

Advantages

• Digital insurance format: First of all, all interaction with the company takes place online – from purchasing a policy to managing it, which is convenient and fast.
• Simplicity and transparency: In addition, Next offers clear, understandable conditions, without hidden fees, which is especially important for small businesses.
• Specialization in entrepreneurs: The company is focused specifically on the needs of small businesses, so its products take into account the specifics of commercial transport.

Disadvantages

• Lack of physical offices: On the other hand, the completely online model means that there is no possibility to talk to an agent in person.
• Limited coverage in certain regions: In addition, Next does not yet operate in all US states, which limits the choice for some farmers.
• Less well-known in the market: Finally, compared to giants like GEICO or State Farm, the Next brand is less well-known, which may cause doubts among some customers.

NEXT is ideal for small to midsize farms with straightforward insurance needs. Its online model and quick quoting process suit farmers who prioritize efficiency. However, farms with complex fleets or specialized vehicles, like heavy trucks, may need to explore additional coverage options, as NEXT primarily focuses on passenger vehicles and light trucks.

Comparing the Providers

Each insurance provider brings unique strengths to the table. Let’s compare them side by side:

Feature	BiBerk	Infinity Auto	Next Insurance
Specialization	Small Business/Farm Vehicles	High-Risk & Diverse Clients	Tech-Savvy Small Businesses
Customization	High	Medium	Medium
Claims Process	Fast	Moderate	Very Fast
Digital Management	Yes	Limited	Full Online Platform
Availability	Nationwide	Select States	Expanding Nationwide
Customer Support	Strong	Strong	Moderate

Each provider offers unique advantages, making the best choice dependent on the farm’s specific needs, such as fleet size, vehicle types, and budget constraints.

Cost and Discounts

Cost is a significant factor for farms, which often operate on tight budgets. Providers like biBERK and NEXT emphasize affordability through online models, while Infinity offers discounts for factors like multi-vehicle policies or clean driving records. Comparing quotes from multiple providers is essential to find the best value.

Additional Insurance Options for Farms

• Farmowners Insurance: Covers unlicensed farm trucks and other farm-specific risks, such as equipment breakdowns or livestock-related liabilities.
• Business Owners Policy (BOP): Combines general liability and property coverage, ideal for farms with diverse operations. biBERK, for instance, offers BOPs that can include coverage for hired or non-owned vehicles.
• General Liability Insurance: Protects against third-party claims, such as injuries to visitors or property damage caused by farm operations.

These policies can complement commercial auto insurance, providing a holistic approach to risk management.

The Future of Farm Auto Insurance

The insurance industry is evolving, with technology playing a significant role in shaping farm auto insurance. Telematics, for example, allows insurers like Farmers to monitor driving habits, potentially lowering premiums for safe drivers. Additionally, the rise of online insurers like biBERK and NEXT reflects a shift toward digital solutions, offering farmers faster, more affordable options. As farms become more commercialized, insurers are likely to develop more specialized products, such as tailored farm auto policies or enhanced coverage for autonomous farm vehicles.

Closing note

Finally, car insurance for farms is not just a formality, but a necessity that provides stability and protection in the face of constant risks. Given the specifics of agricultural activity, it is important to choose insurance solutions that take into account the specifics of commercial transport. After all, companies such as BiBERK, Infinity Auto and Next offer a variety of coverage options that can be adapted to the individual needs of the farm. Thus, responsibly selected car insurance allows farmers to focus on the main thing – effective and safe running of their agricultural business.

You may also be interested in The Top Commercial Auto Insurance Options