Keep It Fresh, Keep It Covered
Agriculture and Produce Hauling Insurance
Agricultural and produce haulers are the vital link between farms, markets, distributors, and grocery chains. Whether you're hauling fresh fruits, vegetables, grains, or refrigerated perishables, your cargo is time-sensitive and vulnerable — and your insurance needs to reflect that.
At The Truckers Insurance, we specialize in insuring agricultural and reefer haulers, providing targeted coverage that protects your loads, your schedule, and your reputation.
Coverage Designed for Perishable and Agriculture Freight
Produce haulers face a unique mix of risks — spoilage, breakdowns, rejected loads, and tight delivery windows. We offer comprehensive insurance programs that address these challenges with:
Auto Liability – meeting FMCSA and agricultural exemption guidelines
Motor Truck Cargo Insurance – with tailored protection for:
Refrigerated produce and frozen goods
Dry bulk agricultural commodities (grain, hay, feed)
Organic, specialty, or high-value crops
Reefer Breakdown Coverage – for temperature control failure due to mechanical malfunction or driver error
General Liability – covering loading/unloading claims at farm sites, warehouses, and terminals
Physical Damage – for trucks and reefer trailers
Pollution Liability – for agricultural chemical transport (if applicable)
Equipment Floater – for field loaders, augers, or mobile storage units
Most policies are underwritten through A+ rated carriers experienced in seasonal hauling, reefer risk, and time-sensitive logistics.
Farm & Supply Chain Compliance
Agriculture and produce transport involves a mix of commercial logistics and regulatory oversight. The Truckers Insurance helps you stay compliant with:
Food Safety Modernization Act (FSMA) provisions
Sanitary Transportation of Food rule requirements
Broker and shipper COI language for commodity rejection coverage
Seasonal operation adjustments for harvesting and planting cycles
We’ll also support rapid COI issuance for grocers, cooperatives, wholesalers, and export shippers.
Fleet Solutions for Fresh Freight
Whether you're running 5–9 reefers and grain haulers or scaling up with 10+ units across multiple growing regions, we tailor programs to your operation’s scale and cargo types:
Seasonal premium adjustments and flexible rating
Dedicated cargo underwriters for produce and perishables
Preventative loss services to reduce claims on rejected loads
Reefer equipment leasing insurance support
