Supporting Farmers Through Sound Livestock Policies
Protecting Your Herd and Your Income
Your animals are vital assets. Livestock insurance helps when the unexpected hits, whether that’s the loss of a high-value animal or a sharp drop in market prices. Bath Insurance Group builds practical plans for cattle and hog operations, combining mortality coverage for breeding stock with price protection options like LRP to keep your operation on steady footing.
Livestock Mortality and Health Coverage
Just as you insure equipment, you can insure valuable animals. Livestock mortality coverage can reimburse the value of an animal lost to a covered cause such as accident, illness, or severe weather. Use scheduled coverage for a breeding bull or show animal, or set a per-head value for a herd. Bath Insurance Group explains endorsements that may address breeding soundness or special risks at your facility, and we help you choose terms that match how you manage your livestock.
Livestock Risk Protection for Price Volatility
Healthy cattle or swine still face price swings. Livestock Risk Protection helps establish a floor price for feeder cattle, fed cattle, and swine. If the published settlement price falls below your selected level on the coverage end date, LRP can pay the difference. Many producers use LRP to stabilize income without opening futures accounts or managing margin calls.
Livestock Gross Margin and Related Programs
Some operations benefit from margin-based coverage. Livestock Gross Margin can help manage the spread between feed costs and livestock prices, with options commonly used for dairy and swine. Dairy producers may also consider Dairy Revenue Protection. Bath Insurance Group will review eligibility, timing, and how these programs fit with your marketing plan so your coverage works hand in hand with production and marketing decisions.
Solutions tailored to your operation
Every herd is different. We often pair mortality insurance for breeding stock with LRP for market animals, then set review points around planting, finishing, or show schedules. We align coverage dates with your marketing windows and lender requirements so paperwork stays clean, accurate, and on time.
Why Livestock Insurance Matters
Price dips during harvest, sudden storms, or a barn fire can strain cash flow. Livestock insurance can replace value after a loss or cover revenue when markets slide. Bath Insurance Group helps you choose levels that fit your risk tolerance and budget, then monitors deadlines and notices so you can stay focused on feeding and marketing.
Answers To Common Questions
What types of livestock can be insured
We regularly write coverage for beef cattle, dairy cattle, and swine. Ask about options for sheep or other species if needed.
How is animal value determined
For mortality, value may be set by purchase price, appraisal, or agreed value. Herd policies use a per head amount that reflects typical replacement cost.
What is usually covered or excluded
Covered causes often include accident, illness, lightning, fire, and severe weather. Exclusions can include intentional acts or routine culling. We will outline specifics before you bind coverage.
How does LRP work in practice
Choose coverage price and end date. If the index price is below your insured level at the end date, a payment can be due. Premiums are partially subsidized and billed later.
Is there a minimum herd size
LRP does not require large lots. Small and mid sized producers can participate. We help size endorsements to your flow of animals.
Can I coordinate livestock and crop coverage
Yes. Many farms pair LRP with crop insurance for whole operation stability. We will align timelines for sign up, reporting, and renewals.
Ready To Protect Your Herd and Revenue
You have invested years into your genetics, barns, and feed program. Let us help protect that work with the right mix of livestock insurance. Bath Insurance Group will review your goals, outline options in plain terms, and set reminders for renewals and claims.
