NAICS UNIVERSITY · Free research for insurance agents
Crop Harvesting, Primarily by Machine
NAICS 115113 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in mechanical harvesting, picking, and combining of crops, and related activities. The machinery used is provided by the servicing establishment.
Start the review with inland marine / farm equipment.
For Crop Harvesting, Primarily by Machine, the saved research highlights inland marine / farm equipment, third-party crop damage, commercial auto. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What crops are harvested and in which states does the operation work during the season?
- What is the total scheduled value of owned combines, headers, grain carts, and support equipment?
- How many operators are employed, and are they seasonal, permanent, or a mix?
- Does the operation ever use client-owned equipment alongside its own machinery?
- Has the operation had any equipment fires, crop damage claims, or auto incidents in the past five years?
- What is the approximate total acreage harvested per season and the mix of crop types?
- For Crop Harvesting, Primarily by Machine, what should the underwriter know about operations harvesting high-value specialty crops where a single loss event could generate outsized crop damage claims?
- For Crop Harvesting, Primarily by Machine, what should the underwriter know about multi-state harvesting routes without clearly addressed workers' compensation and auto coverage across all operating states?
Activities described by this code
Other activities to examine
- Providing personnel for manual harvesting: 115115 — Farm Labor Contractors and Crew Leaders;
- Providing farm management services (i.e., on a contract or fee basis) and arranging or contracting crop mechanical or manual harvesting operations for the farm(s) they manage: 115116 — Farm Management Services
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Custom crop harvesting contractors provide mechanized harvesting services — combining, picking, cutting — on client-owned farmland using their own equipment. Operations typically follow crop maturity across a region or multi-state corridor, moving combines, grain carts, headers, and support vehicles between farms. The contractor supplies the machinery and operators; the landowner or tenant farmer retains ownership of the harvested crop.
Questions to investigate
- What crops are harvested and in which states does the operation work during the season?
- What is the total scheduled value of owned combines, headers, grain carts, and support equipment?
- How many operators are employed, and are they seasonal, permanent, or a mix?
- Does the operation ever use client-owned equipment alongside its own machinery?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.