Livestock Mortality Insurance For Valuable Animals
Life Insurance For Your Herd
Livestock mortality insurance reimburses you if an insured animal dies from a covered cause. It’s an essential tool for breeding stock, show animals, or any high-value cattle that would strain cash flow to replace. Bath Insurance Group helps you set fair values, choose clear terms, and keep documentation in order so claims move quickly when you need them.
What Mortality Insurance Covers
Coverage can include death from accident, illness, lightning, barn fire, and severe weather. Many policies recognize humane euthanasia on veterinary advice, and theft coverage may be available with certain carriers. We explain limits, exclusions, and any waiting periods up front so you know exactly how your cattle are protected.
How Valuation Works
We agree on value up front. That can be purchase price, a recent appraisal, registration and sale records, or production history for breeding stock. For large herds, a blanket policy sets a per head value for a defined class of animals. If a covered loss occurs, the insured amount is paid, helping you replace the animal or reinvest.
Individual Animals or Herd Blanket
Scheduled coverage lists specific animals such as a breeding bull or donor cow by tag or registration number. Herd blanket coverage applies a set value to a group like mature cows or bred heifers. Many farms combine both approaches, scheduling elite animals while keeping the commercial herd covered at a practical per head amount.
Exclusions and Limitations To Know
Policies do not cover slaughter or culling decisions. Intentional acts are excluded. Some diseases may be excluded if preventable by standard vaccination unless records show recommended protocols were followed. Illness that exists before policy inception is not covered during any waiting period. We review terms line by line so there are no surprises at claim time.
How a Mortality Claim Works
Notify us promptly when a loss occurs. Keep records, photos, and vet notes. A veterinarian's statement or necropsy may be required to confirm cause of death. We file the claim, communicate with the adjuster, and track the payout. Funds are typically sent by check or direct deposit once the claim is approved.
Livestock Mortality Insurance FAQs
What species can be insured
We routinely insure beef and dairy cattle. Options for swine exist with select carriers. Horses often use a separate equine policy. Ask about sheep or goats and we will check market availability.
Is mortality insurance only for big herds
No. It fits any farm where the loss of a single animal would be a financial setback. Small herds with one or two high value animals are common.
How are premiums calculated
Rates reflect species, age, value, and risk factors like location or confinement. Premiums are a small percentage of insured value. We quote multiple carriers for fit and price.
Does this cover vet bills
Standard mortality pays for death only. Some carriers offer medical or surgical endorsements for elite animals. We can explore options and availability.
What proof of value is needed
Keep purchase invoices, registration papers, show or sale results, and breeding records. These documents support agreed value and smooth the claim.
Can I pair mortality with other coverage
Yes. Many farms carry mortality on breeding stock and use Livestock Risk Protection to manage market prices on feeders or finishers.
Keep Your Genetics and Momentum Intact
Replacing a cornerstone animal is costly. Bath Insurance Group will set valuations, confirm terms, and keep paperwork simple so you can focus on the herd.
