Don’t Let Unexpected Losses Ruin Your Farm with Livestock Mortality Insurance

Livestock mortality insurance is a crucial safeguard for anyone involved in raising or managing animals, from small farm owners to large-scale livestock operations. This type of insurance provides financial protection in the event of unexpected animal deaths, helping to mitigate the potentially devastating economic impact on your business.

What livestock can be covered?

Livestock mortality insurance can protect a wide variety of animals, including:

• Cattle (dairy and beef)
• Swine
• Poultry
• Sheep and goats
• Horses
• Exotic animals (e.g., bison, elk, llamas, alpacas)
• Zoo animals

Even specialized animals like rodeo cattle or high-value breeding stock can be covered under these policies.

Who Needs Livestock Mortality Insurance?

If you’re involved in any aspect of livestock production or management, you should consider livestock mortality insurance. This includes:

• Cow/calf operators
• Dairy farmers
• Swine and poultry producers
• Exotic livestock owners
• Purebred and seedstock producers
• Livestock transporters and dealers
• Livestock genetics companies

Essentially, anyone with a financial stake in the health and survival of animals can benefit from this coverage.

How Does Livestock Mortality Insurance Work?

Livestock mortality insurance typically covers the full value of an animal in the event of its death due to accident, illness, or disease. Policies can be tailored to your specific needs, offering either all-risk mortality coverage or more limited, specified-peril policies. When you purchase a policy, you’ll agree on the value of your animals with the insurance provider. If an insured animal dies from a covered cause, you’ll be reimbursed for that agreed-upon value, helping you recover financially and maintain your operation’s viability.

Livestock Mortality Insurance Coverage

Policies can offer a range of coverage options, including:

• All-risk mortality
• Specified perils (e.g., fire, weather events)
• Theft
• Disease extensions
• Government-ordered slaughter
• Movement restrictions
• Transit coverage

Some policies even offer additional protections like livestock revenue insurance or coverage for veterinary expenses.

What Doesn’t Livestock Mortality Insurance Cover?

While comprehensive, livestock mortality insurance typically doesn’t cover:

• Intentional slaughter
• Mysterious disappearances
• Some specific causes of death (varies by policy)

It’s crucial to carefully review any policy you’re considering to understand its specific exclusions and limitations. Investing in livestock mortality insurance is a smart move for any livestock owner or producer. It provides peace of mind, knowing that your financial investment is protected against unexpected losses. Remember to work with an experienced insurance provider who can help tailor a policy to your specific needs and risks. By doing so, you’ll be better prepared to weather the uncertainties of livestock production and maintain the long-term viability of your operation.