Top 5 Insurance Companies for Agricultural Haulers in 2025
If you’re hauling grain, hay, seed, livestock, fertilizer, or dairy products — you’re in the right place. Agricultural trucking is different from regular freight. You deal with farm loads, seasonal routes, and sometimes hazardous materials like liquid fertilizer. Not every insurance company is willing — or able — to cover what you do.
In this blog, we’re breaking down the top 5 insurance companies that do a great job for agricultural haulers. These are companies that actually understand your business and offer better coverage at better rates.
🚛 What Is an Agricultural Hauler?
If your truck carries any of the following, you’re considered an agricultural hauler:
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Grain, seed, hay
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Fertilizer (liquid or dry)
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Livestock (cattle, hogs, sheep, goats, etc.)
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Dairy or farm byproducts
Because you deal with products tied to farming and agriculture, your insurance needs are unique. You might use double or triple trailers, run on seasonal schedules, or transport things that can be considered hazardous. That’s why it’s so important to work with companies who specialize in your kind of hauling.
Our Top 5 Insurance Picks for Ag Haulers
1. Midwest Family Mutual (MFM)
Great for: Grain and livestock haulers across the Midwest
MFM is one of our top choices because they focus on the states where most ag trucking happens. If you’re in the central U.S., this company knows your routes, your loads, and the risks that come with the job.
Why we recommend them:
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✅ Covers livestock (many insurers won’t)
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✅ Handles grain, hay, fertilizer, and more
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✅ Offers one deductible if all your trucks are stored at one location (saves you money)
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✅ Keeps rates low — some of the best in the industry
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✅ Protects equipment at your farm or terminal
We’ve seen MFM save clients thousands compared to big-name companies — and they stick around because the coverage is reliable.
2. Lancer Agricultural Program (through Amwins)
Great for: Hauling hay, grain, seed, and fertilizer (even hazardous types)
This is a special version of Lancer, offered through a broker who fine-tunes the pricing and coverage just for ag haulers. If you’re hauling liquid fertilizer, dairy, or other sensitive loads, this program is built for you.
Why we recommend them:
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✅ Includes pollution coverage for spills — even milk
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✅ Accepts tankers and fertilizers labeled as hazardous
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✅ Offers roadside help and truck rental coverage
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✅ Backed by people who know ag trucking risks
We’ve spoken with the program manager directly — they’ve handled major claims involving milk spills into rivers, so they know what’s at stake and how to protect you.
3. Ten Four Truck Insurance
Great for: General ag haulers with solid safety history
Ten Four has become a favorite for small and mid-size ag fleets. They’re flexible with what you haul and offer great rates for trucks in good condition and with clean driving records.
Why we recommend them:
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✅ Cargo coverage made for farm products
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✅ Rates as low as $3,000–$5,000 per truck
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✅ Offers rental truck and downtime coverage
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✅ Quick to respond and easy to work with
They’re a little picky about the types of loads they accept, but if your operation is clean, they’ll often be one of the lowest-price options with great protection.
4. The Hartford (for Cargo Coverage)
Great for: Livestock haulers who want the best animal coverage
If you’re hauling cattle or other animals, The Hartford is one of the best options out there. Most insurance companies won’t pay unless the animals die — but Hartford goes further.
Why we recommend them:
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✅ Pays even if animals are injured (not just dead)
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✅ Offers higher coverage limits for valuable livestock
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✅ Trusted by many brokers — helps you book more loads
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✅ Ideal for dairy and breeding operations
Even if they only cover the cargo (not your truck), it’s worth pairing them with another company to protect your livestock properly.
5. Northland Insurance
Great for: Larger or more experienced ag haulers with clean histories
Northland is known for being selective — but for good reason. They cover farm haulers who take safety seriously and want long-term protection.
Why we recommend them:
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✅ Covers injured, escaped, or lost animals
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✅ Great general liability coverage (protects your business beyond just the truck)
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✅ Full packages available — auto, cargo, umbrella, etc.
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✅ Includes roadside assistance and rental truck options
If you’ve had claims in the past, they might not take you — but if your safety record is good, they’ll reward you with strong protection and stable rates.
Must-Haves for Ag Haulers
No matter who you choose, make sure you get these key protections:
✔️ Pollution Liability
Even if you’re not hauling hazardous material, things like milk, ice cream, or diesel fuel can cause major cleanup bills if spilled. Cities and states will still hold you responsible.
✔️ Livestock Protection
Don’t settle for “death-only” policies. Injured or crippled animals need coverage too — especially if you’re hauling high-value or breeding stock.
✔️ Fair Rates
These companies usually insure safer truckers — and reward you with better pricing. We’ve seen rates as low as $3,000–$5,000 per unit for qualified haulers.
✔️ Roadside Assistance
Towing a semi isn’t cheap. These plans help cover breakdowns and get you to a shop quickly.
✔️ Rental Reimbursement
If your truck is in the shop, you still need to deliver loads. This covers a temporary truck to keep your business running.
Don’t Overpay for the Wrong Insurance
Some insurance companies treat agricultural haulers like any other trucking company — or worse, like a risk they don’t want. But the five companies above build programs around what you do — and they want good operations like yours on their books.
If you’re stuck with coverage that doesn’t protect you — or you’re overpaying because of how you’re classified — it’s time to switch.
Want Help Choosing the Right Company?
At Nelson Insurance Agency, we work with all five of these carriers and more. We’ll help you figure out:
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Who will take your load types
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Which carrier gives the best rate for your operation
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What coverages you’re missing (and how to fix it)
