As your operation grows, adding a semi truck rig can greatly increase efficiency. But this major equipment upgrade comes with unique risks that require more than a standard policy. 

That’s why OKFB offers specialized farm use tractor trailer truck insurance, designed to provide the right liability and physical damage coverage to keep your rig rolling forward and your entire operation protected.

Farm Use Tractor Trailer Truck Insurance

How Much Tractor Trailer Insurance Coverage Do I Need?

Insuring a commercial semi-rig is far more complex than covering a standard farm truck. An OKFB agent specializing in farm operations will help you secure the right level of coverage by evaluating the key factors:

  • Your Hauling Radius: Whether you’re driving between local fields or making longer hauls to the grain elevator impacts your policy needs.
  • High Liability Limits: A semi can cause significant damage. Your liability coverage must be high enough to protect your entire farm’s assets from a major lawsuit.
  • Cargo Coverage: Protecting the value of the commodity you’re hauling, whether it’s your grain, hay, or livestock.
  • Physical Damage: Proper coverage to repair or replace your high-value tractor and trailer after an accident, theft, or other covered loss.

Farm Use Tractor and Trailer Coverage Options & Features

Liability Coverage

Liability coverage helps protect you financially in the event of a liability claim or lawsuit due to bodily injury or property damage caused by your covered truck-tractor or trailer while operated by you or other covered drivers.

Medical Payments Coverage

Medical Payments Coverage pays for certain expenses related to injury or death that you or others sustain when entering, exiting or otherwise occupying your truck, regardless of fault.

Uninsured/Underinsured Motorist Coverage

Uninsured Motorist Coverage will pay for bodily injury sustained by you or other passengers in your truck when the injury is caused by someone else driving a car that is not covered or does not have adequate liability coverage.

Comprehensive (Physical Damage)

Protects your tractor and trailer from non-collision events. This covers the cost of damage from fire, theft, vandalism, hail, or other specified perils, whether the rig is parked in your yard or on the road.

Collision Coverage (Physical Damage)

Covers the cost to repair or replace your own tractor and trailer if they are damaged in a collision, such as a highway accident, or a rollover etc. This is the coverage that gets your rig back on the road and working for your operation.

INSURANCE CREDITS & DISCOUNTS

We offer a range of premium discounts to farm tractor and trailer policyholders who qualify under the programs listed below.

Defensive Driving Credit

Those who complete a (minimum six hour) accident prevention course approved by the Oklahoma Department of Public Safety may be eligible for this discount. Approved courses are often offered through your county Farm Bureau.

PAYMENT OPTIONS & PREFERENCES

Convenient Payment Options

We offer many ways to conveniently pay your farm use tractor-trailer premiums. Choose from a full payment, quarterly payments or a monthly automatic draft from your bank account. Check with an OKFB agent to see which option may be best for you.

Do you need to change your premium payment preferences?

Don’t fret – We understand life happens. That’s why we allow our policyholders to easily update their payment preferences. Contact your OKFB agent to make a change.