Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Farm Truck and Semi Insurance

Farm truck/semi-insurance coverage can protect your farm vehicles from damage and help protect your lively hood from an unforeseen liability risk. These vehicles can also be rated for the seasonal use they are driven.

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If you have a vehicle that is primarily used for farming or ranching and used on a public roadway, coverage is needed to protect the vehicle and the people driving the vehicle.



We can help you determine which coverage fits your needs based on what type of vehicle you have and how your vehicle is used.

Optional Endorsements Available

  • Hired and Non-Owned
  • Haul for Hire
  • Cargo
  • Seasonal Use
  • Additional Personal Injury Protection
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Two young boys are laying on the grass and talking to each other.

Answers for ND Farm Trucks

  • What does farm truck and semi insurance cover?

    Farm truck and semi insurance helps protect your farm vehicles from damage caused by accidents, weather, or theft. It also helps safeguard your livelihood from unexpected liability risks. Many policies can be customized for seasonal use depending on how often your vehicles are driven.

  • Do I need coverage if my farm vehicle is used on public roads?

    Yes. If your truck, semi, or other vehicle is primarily used for farming or ranching but also driven on public roadways, you need coverage. This protects both the vehicle and the people operating it from financial loss or liability in the event of an accident.

  • How do I know what type of coverage I need?

    We can help you determine the right protection based on your vehicle type and how it’s used. Whether it’s a single farm truck or a fleet of semis, we’ll tailor your coverage to fit your operation and budget.