Whether you raise chickens, turkeys or even emus, there is an insurance option that can protect your investment. Poultry insurance policies are customized to protect you from the risks that your poultry operation faces. Chicken Insurance and Other Coverage for Poultry Your agent can help finding sheep insurance that will give you peace of mind. If you have high-valued sheep or goats that you want to insure individually, you should consider a specialized animal mortality policy.Īn independent agent can find you specialized animal mortality coverage, if it is available in your state, for your specific sheep farming needs. Normally, a general farm or agribusiness policy will not cover death by sickness or disease, but will cover accidents, weather events, death while transporting and things of that nature. Farm insurance covers your facilities and structures, as well as your sheep and goats. Your sheep and goats are usually covered as part of your farm package. Payment of contract penalties caused by loss of swine.Reduced value for swine unable to reproduce.Death due to mechanical breakdown or power interruption.For example, you may choose protections for barn fires, specific weather events, accidental drownings, falling objects, and so on. These packages cover specific causes of death only. Many insurance companies that provide livestock insurance will cover swine raised in a restricted area. Dead body removal: Some policies will add an option of removing the animal carcass if it dies in a covered loss.Īs with cattle insurance, most companies offer amendments to a standard policy that is relevant to your pig operation.These special coverages may only apply to certain states and may only apply to dairy and feedlot cattle, not pasture cattle. Hypothermia, contaminated feed and water and other special causes: Some companies offer policies for specialized situations not included in the broad perils of a regular policy.Valuation options: Standard polices will use current market valuation, but some companies will allow you to amend a policy and agree on more flexible values.Whether you have dairy cows or raise cattle on feedlots or pastures, you can get optional coverages that fit your needs. You may want to consider additional coverages for your cattle operations during the feeding and growing stage. Collision or other death while transportingĬattle mortality insurance is animal mortality insurance that specifically covers your cattle.Crimes and civil unrest: Theft, vandalism.Natural disasters: Earthquakes, volcanic eruption, sinkholes.Weather events: Flooding, lightening, wind, hail.
Your per-head cost will be determined by the coverage you choose. This coverage allows you to insure a specific number of animals, for example, 200 diary cattle or 500 pigs. Herd Coverage: This is the simplest and most prevalent type of insurance for livestock.It includes structures, equipment, tools and livestock. Blanket coverage: This type of policy allows you to insure all your farm property for a predetermined value.The animals are listed on the policy according to some identifying marker or description, such as an ear tag, and covered for a specific dollar amount.
Individual coverage: This insurance usually covers higher-value animals on an individual basis.There are three ways to cover your animals: Some insurers may include a more comprehensive animal mortality policy that includes sickness and disease or policy options for a specialized type of animal. Normally, these can be combined into a farm package that will protect your facilities, structures and your livestock or poultry in the event of death caused by accident or injury. The starting point for your operation will likely be farm or farm operations coverage and a limited animal mortality policy. There are blanket coverages that apply to most livestock and poultry, and specialty coverages for specific groups of farm animals, such as cattle, sheep, goats, pigs, hogs, chickens, and emus. Request a quote The Basics of Livestock InsuranceĬattle and other livestock face mortality risks caused by accidents, sickness and disease.
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