More than a personal policy
Commercial auto coverage matters.
Personal auto insurance typically won't cover vehicles used for business purposes — and that gap can be costly. Whether it's an employee running a work errand in their own car or a truck hauling ag commodities across state lines, commercial auto coverage is what protects your business when something goes wrong on the road.
Built for how your business moves
What commercial auto coverage can include.
Commercial auto policies can cover liability, collision, comprehensive, uninsured motorists, and medical payments — similar to personal auto, but structured for business use. Depending on your operation, coverage may also extend to hired and non-owned vehicles, cargo liability, and roadside assistance. For ag and trucking operations, we work through the specifics of what's moving, how often, and under what conditions.
Built for the road you actually run
Agricultural trucking insurance for PNW farm operations.
Agricultural trucking operates under a different set of risks than standard commercial fleets — and a different set of regulatory requirements. Grain haulers, livestock transports, and commodity vehicles often cross state lines, operate under harvest-season time pressure, and carry loads that fluctuate significantly in value throughout the year.
Graybeal Group works with ag haulers across Washington, Oregon, and Idaho to make sure their coverage accounts for all of it. That includes:
- Grain trucks and semi-trailers hauling wheat, corn, and other commodities
- Livestock transport vehicles moving cattle, sheep, and other animals
- Flatbeds and specialty trailers hauling farm equipment
- Farm pickups and utility vehicles used in day-to-day operations
- Hired and non-owned vehicle coverage for seasonal drivers and employees
The right brokerage makes a difference
Getting your coverage right.
As an independent brokerage, we shop across carriers to find coverage that fits your fleet — not a one-size policy that leaves gaps. We ask the questions that matter: how your vehicles are used, what they're hauling, and who's behind the wheel. For ag trucking operations, that means understanding your commodity, your routes, your seasonal patterns, and whether you're operating under a farm exemption or a full FMCSA motor carrier authority — because those distinctions affect your coverage requirements significantly. That's how we make sure your commercial auto coverage holds up when it needs to.
Protection for your business on the road
Let's talk about protecting your fleet.
Whether you're covering one work truck or a full commercial fleet, the right coverage starts with the right conversation. Let's talk through your operation and make sure you're protected on the road.
faqs
Agricultural Trucking Insurance — Common Questions
Does my farm truck need commercial auto insurance or can I use my personal policy?
It depends on how the vehicle is used. Trucks used primarily for farm operations and not-for-hire hauling may qualify for coverage under a farm auto policy. Vehicles hauling for hire or crossing state lines under a motor carrier authority typically require a commercial auto policy. We'll help you determine which applies to your operation.
What's the difference between a farm auto policy and a commercial trucking policy?
Farm auto policies are designed for vehicles used in connection with a farming operation — typically on or near the farm. Commercial trucking policies are structured for vehicles operating as part of a for-hire or regulated carrier operation. Many ag haulers need both depending on how their fleet is structured.
Do you work with owner-operators hauling agricultural commodities?
Yes. We work with independent owner-operators as well as farm operations running their own fleets. Coverage requirements differ significantly between the two and we help make sure you're structured correctly from both an insurance and regulatory standpoint.
Related coverage
Are you fully covered?
Many of our ag trucking clients also carry farm insurance for their equipment and buildings, cargo insurance for their loads, and commercial umbrella insurance for additional liability protection on the road.
Our recent news
Latest news & articles.
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USDA Announces Livestock Insurance Program Enhancements for 2027
The USDA’s Risk Management Agency just announced a meaningful set of updates to three of its core livestock insurance programs — Livestock Risk Protection (LRP), Livestock Gross Margin (LGM), and Dairy Revenue Protection (DRP) — set to take effect for the 2027 crop year. For ranchers and livestock producers, this…
