Insurance Products > Commercial Auto Program
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
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
Protects vehicle occupants other than
employees who may be injured in the operation of your farm or company vehicles.
Uninsured Motorists Protection
Protects your business if an uninsured or
underinsured driver injures the occupants of your farm or company vehicles.
Collision and Comprehensive Protection
Pays for collision damage to an insured
vehicle your farm or company owns.
Covers comprehensive (Other Than Collision)
damage to an insured vehicle your farm or company owns.
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
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
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
Electronic equipment (tapes, CDs, and other media)
Multi-Policy discount (when combined with a Wayne Mutual
Farmowner policy or
Fleet discount (fleets of 5 or more vehicles)
Seasonal use credit (based on the length of the
Whether you require coverage for your own
vehicles, rented or borrowed vehicles, temporary substitute vehicles,
newly-acquired vehicles or for your other business property and
activities, our policies have the flexibility to meet your needs.
Consult your local agent to find out how our Commercial Auto program can be structured to suit your individual
The coverages described above are presented in general terms and are subject to the actual policy
exclusions and conditions. For specific coverage details and policy
exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy
provisions shall prevail.