Why You Should Consider Livestock Mortality Insurance

February 17, 2023 by Shelby Marsh

As a farmer, you have put your whole life into keeping food on the table of your family and in homes across this great nation. Whether you are a livestock producer or a row crop farmer with just a few steers, you have likely worried about what would happen if your livestock died unexpectedly.

While there is no hesitation in buying proper coverage for your farm buildings and equipment, you might not have considered livestock mortality insurance. That should change today. Why? Because standard farm policies have limitations when it comes to livestock. If you don’t have additional livestock or animal life insurance policies, you could be left out in the cold if a disaster strikes your farm.

Here are just a few types of incidents that could possibly be excluded from your standard farm insurance plan that your livestock mortality insurance policy can cover:

livestock mortality insurance
  • Contaminated Feed or Water Resulting in the Consumption of a Toxic Substance by Your Livestock
  • Consumption of Toxic Grazed Plants
  • Hypothermia from Snow, Blizzard, Freezing Rain, or Sleet
  • Flood Water, Surface Water, Overflow of Any Body of Water, Mudslide, or Mudflow Leading to Drowning
  • Spontaneous Sinkhole Collapse
  • Electrocution
  • Accidental Shooting
  • Earthquake
  • Riot/Civil Commotion
  • Collapse of Bridges, Culverts, Roadways, or Piers
  • Explosion
  • Leakage of Gas or Suffocation
  • Leakage of Anhydrous Ammonia Intended for Refrigerant or Fertilizer

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