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November 3, 2021

Does Farm Insurance Cover Cattle?

One of the many unique aspects of farm insurance is the living assets such as cattle, chickens and more. Under a normal business insurance policy, you may not have coverage for the animals used in your business. However, farm insurance policies can include coverage for your animals. cattle standing in a grass field

After all, cattle and other animals can be incredibly expensive to replace and it is important to have the right farm insurance policy to cover your livestock. 

What Does Livestock Insurance Cover? 
Livestock insurance can cover the farm’s livestock in case they are injured or killed due to accidents such as: 

  • Fire 

  • Lightning 

  • Explosions 

  • Smoke 

  • Riot or civil commotion 

  • Vandalism and theft 

  • Collision with a vehicle 

  • Overturn of a vehicle (while in transportation) 

  • Earthquake and flood


There are also endorsements you can add to your livestock insurance to cover other incidents such as wild animals. If coyotes attack and kill your cattle, a wild animal endorsement can help compensate for replacements.  

There are also other coverages available for attacks by dogs, accidental shooting, drowning, loading or unloading accidents, additional acquired livestock and falling objects. 

What Does Livestock Insurance Not Cover? 
Unfortunately, livestock insurance can’t cover everything when it comes to your farm animals. In general, livestock insurance does not cover the death of an animal caused by old age or disease. If your cattle ages and dies of natural causes, it may not be covered under a basic livestock insurance policy. 

There are different types of livestock insurance policies in regard to animal mortality, however: limited animal mortality and full animal mortality. 

A limited animal mortality coverage policy covers the death or injury of livestock and cattle covered by many of the above incidents, such as fire, collisions and vandalism. 

A full animal mortality coverage policy, on the other hand, can cover accidental and natural damages such as illness and sickness. Full animal mortality coverage does not cover preexisting conditions or injuries and death caused by the owner, such as an accidental shooting of the cattle by the owner. 

How Much is Livestock Insurance? 
The cost of livestock insurance for cattle varies depending on your location, number and value of cattle, size of the farm and other factors. Speak with an insurance agent about properly insuring your cattle to protect from expensive and possibly fatal accidents for your livestock. 

Speak with an insurance agent about insuring your livestock and protecting your assets. 

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