Whether your operation takes you from the Oklahoma panhandle to the foothills, your high-value machinery is constantly at risk. That’s why we offer dedicated Custom Harvest Equipment Insurance, designed to safeguard your combines, headers, and support vehicles against the unique risks of the road and the field. You move agriculture forward; we’ll protect the equipment that gets it done.
How Much Commercial Harvest Equipment Insurance Do I Need?
The amount of coverage you need is directly tied to the value of your machinery. A specialized OKFB agent will help you conduct a full inventory of your equipment and choose the right way to insure it:
- Scheduled Coverage: This is essential for your high-value assets. We will list each specific item, like your combines, tractors, and planters, with its own agreed-upon insured value.
- Blanket Coverage: This provides a single, overall limit to protect a group of smaller, miscellaneous items and tools.
By accurately valuing your key pieces of equipment, you ensure you have the funds to repair or replace them after a major loss, keeping your operation running.
Custom Harvest Equipment Insurance Options & Features
Liability Coverage
This is specialized liability coverage that follows your business operations. It is designed to protect your assets from lawsuits arising from your for-hire harvesting services, whether the incident occurs on a client’s property or is otherwise directly related to the work you perform. It is built to cover the unique risks that fall outside the scope of a standard farm or commercial auto policy.
Physical Damage
This protects your capital investment, your machinery. It is built to cover the significant cost to repair or replace your insured combines and headers from catastrophic loss, whether it’s a fire in the field, a rollover during transport, or a collision on the job. This coverage is for your equipment, the assets your entire operation depends on.
