Bodily Injury

Bodily Injury

This coverage is for farm operations that protects against financial losses from injuries caused by farm vehicles, ensuring medical costs, and legal liabilities are covered.

Additional Coverage Copy

Comprehensive Coverage

Comprehensive insurance covers pretty much everything. Theft, fire, falling objects, vandalism, contact with animals, weather damage, and windshield cracks. If you can dream it, we can cover it.

Fleet Vehicles

Vehicle Replacement

When a vehicle becomes totaled you can get it replaced with the same or similar model to keep your business on track without skipping a beat.

Comprehensive Coverage

Rental or Leased Vehicle Coverage

Many farm operations rely on rentals and leases to fill out the rest of the fleet. We find the best coverage for all rented and leased vehicles.

Auto Insurance

More About Farm & Ranch Auto Insurance

These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit within those companies.

Our Farm & Ranch agents can provide flexible coverage and broad protection needed by today’s successful farm and ranch owners for all their farm and ranch auto insurance needs for a peace of mind.

Coverages for Farm & Ranch Auto Insurance

The following are coverages that are included on your auto policy, or are optional coverages that may be added.

Auto and Vehicle Coverages

The following farm and ranch auto or vehicles covered by Heritage Insurance on the following:

  • Tractor-Trailer Units
  • Farm Trucks
  • Personal Vehicles
  • Maintenance Vehicles
  • UTV's
  • Utility Trailers
  • And Many More...

Optional Coverages

  • Comprehensive Liability- Provides liability coverage for any auto owned, leased, or borrowed.
  • Hired Auto Liability- Extends liability coverage to autos hired, leased, or borrowed, other than for autos owned by you, or your partners.
  • Hired Auto Physical Damage- Provides comprehensive coverage with a deductible of your choosing and Collision coverage with a deductible of your choosing.
  • Employers Non-Ownership Liability- Provides liability coverage for private passenger autos the named insured does not own or hire that are used in connection with the named insureds farm (including autos owned by the named insureds employees). Coverage is also provided for commercial autos that you do not own or hire and are used occasionally and infrequently by the named insured’s business.

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