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Wayne Mutual's Commercial Auto policy provides coverage for all types of farm trucks, including tractor-trailers used for hauling crops. If the farm truck is not used throughout the entire year, you may be eligible for a reduced premium. This program is also ideal for small and medium-sized businesses that need coverage for their company vehicles. Contractors, landscapers and other artisans will find our Commercial Auto program well-suited to meet their needs.

Wayne Mutual's Commercial Auto Program offers protection for the following:

Liability

Provides liability protection and legal defense for covered losses that result from the use of your farm or company vehicles.

• Damage to other vehicles

• Damage to property of others

• Court costs, legal expenses and bail bonds

• Bodily injury/death of others

• Doctor bills and hospital expenses

• Funeral expenses

Medical Payments

Protects vehicle occupants other than employees who may be injured in the operation of your farm or company vehicles.

• Doctor bills and hospital expenses

• Ambulance bills

• Funeral expenses

Uninsured Motorists Protection

Protects your business if an uninsured or underinsured driver injures the occupants of your farm or company vehicles.

• Bodily injuries to you, your family members and guests occupying your covered company vehicles

Collision and Comprehensive Protection

Pays for collision damage to an insured vehicle your farm or company owns.

• Accidents involving other vehicles or objects

• Rollover

Covers comprehensive (Other Than Collision) damage to an insured vehicle your farm or company owns.

• Fire

• Falling objects

• Explosion or earthquake

• Theft

• Windstorm, hail, water or flood

• Vandalism

• Glass breakage

• Damage by bird or animal

Additional features with basic coverages:

• Up to $250 a day for loss of wages or salary if we request your attendance at hearings or trials

• Liability coverage extended to meet the requirements of any state or province with respect to financial responsibility, compulsory insurance or similar laws

Optional coverages:

• Drive Other Car Coverage - Coverage for employees or executives of a company or any other person who is supplied a company vehicle, but who does not own a personal vehicle, thereby not having personal automobile coverage. Ideal for partnerships and corporations.

• Hired / Non-Owned Auto - protects your business when renting autos or using employee vehicles

• Towing and labor

• Rental reimbursement/transportation expenses

• Loan/lease gap coverage (covers unpaid loan or lease agreements)

• Electronic equipment (tapes, CDs, and other media)