Commercial Auto Insurance

Commercial Agricultural Insurance​

Our Agriculture Insurance Policy includes coverage for targeted commercial agribusiness operations.

We are committed to protecting commercial agricultural businesses, family farms, small farms, and more.

Who needs a Commercial Agricultural Insurance​ Policy?

When you operate a commercial agricultural operation, our Commercial Agricultural Insurance can help you protect your diversified and direct market ag operations. CNS Insurance was created to serve the unique needs of commercial agriculture operations and related businesses.

We can help no matter what you are hauling:

  • Farmers
  • Dairy farmers
  • Ranchers
  • On-farm retail stores

Our commercial farm/ranch personal property insurance can protect your bottom line as well as the items you use every day in your operation – tractors, combines, tools, grain, feed, livestock, etc. One of Commercial Agricultural Insurance Specialists can help tailor your coverage to fit your specific needs.

Types of coverage:

  • Property coverage
  • Special causes of loss on building, contents, loss of income, and extra expense
  • Liability coverage
  • Business income
  • Business auto and fleet coverage
  • Workers compensation

Commercial Agricultural Insurance​ Coverages

What Commercial Coverages do you need?

It is important to keep in mind legal requirements when obtaining trucking insurance. Commercial Truck Insurance is mandatory in all 50 states and failure to obtain coverage could cost you a lot of money in fines or even worse, your license. By law, you must have a minimum of 750,000 in auto liability and cargo coverage (coverage depends on what your trucks are hauling). 

Other Coverages:

Business Auto and Fleet Insurance

Designed for businesses of all sizes that produce, process or distribute agricultural products. This includes food manufacturers that deliver food products.

Commercial Agribusiness Property Insurance

Covers your buildings, contents, equipment (owned or leased), outdoor fixtures, and other real and personal property, including:

  • Supplies
  • Inventory
  • Furniture
  • Personal property of others
  • Computers and data processing equipment
  • Records, and other valuable documents
  • Business income

Extra endorsements:

  • Equipment Breakdowns
  • Floods and Earthquakes coverage

General liability coverage

Customized with a variety of options and endorsements.

General Liability coverage for:

  • Bodily injury, property damage, advertising and personal injury liability
  • Damage to premises rented to you
  • Premises medical payments
  • Employee benefits liability and employment-related practices liability

Recommended and Required Minimum Coverages

Below are some of the minimum coverage requirements and recommendations, however, we recommend talking to one of our Commercial Insurance Specialists to get specific recommendations on the coverage you need based on what you are hauling.

Liability Coverage
1 K

Auto Liability, also known as Bodily Injury Physical Damage (BIPD), is required by the FMCSA at a minimum coverage of $750,000 to obtain your MC authority.


Physical Damage Coverage

Physical Damage is not required for Commercial Truck Insurance, but we do recommend it. Coverage depends on what you are driving and can range from $1000 to $200K.

Truck Cargo Coverage
1 K

Truck Cargo Coverage is required by law, however the amount of coverage depends on what your trucks are hauling. Call one of our Trucking Insurance Specialists for a recommendation on minimum cargo coverage.

Customers Reviews

Steps to get Commercial Truck Insurance


Request a quote

Before we can get you an estimate, we are going to need some information. Fill out a complete quote or quick quote to get started.


Get coverage

After we gather all of your information we will get back to you with a detailed breakdown of your coverage and how much it will cost.


Start saving

Our Commercial Truck Insurance specialists are constantly working to get you the best rates, whether you are a new or existing client.


Company A, a 9-truck carrier, approached CNS due to a problem in their operations. Their surplus lines carrier who was charging $190,000 annually for 9 trucks was canceling their liability insurance. The trucking company called CNS to see what could be done.

CNS reviewed carrier’s roadside safety, performance, driver files, loss ratio history, systems, and process. CNS analyzed the company had no losses but high BASIC SMS scores. Upon further investigation there were only two drivers that had bad records.

CNS developed hiring and qualification standards and implemented these standards within the company. The company also engaged CNS to manage their divers through drivers qualifications, monitoring drivers and training drivers.

As shown in the graph, the clients safety scores improved year after year.

As a result of the improved safety scores CNS Insurance was able to secure insurance which saved the company $100,000.00 in annual premium. The client has been a loyal CNS and CNS Insurance customer for 6 years.

We Are Your Insurance Family

We are always a phone call away.

Our customer service is unmatched and we take pride in the fact that we build lasting relationships with everyone we talk to whether you are a client or not.

Quick Commercial Auto Insurance Quote

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