Livestock & Animal Mortality Business Insurance

Specialized Livestock & Animal Mortality Insurance

Since 1916, The Hartford has offered specialized livestock, equine and animal mortality insurance to livestock owners and businesses. We offer insurance coverage for horses, hogs, poultry, hatcheries, cattle, police and service dogs and more. Our customized products and services are designed to cover commercial livestock and high-value animals while located on premises or in transit.

From the 1917 Kansas City Stockyards fire to a present-day blizzard howling through a Plains feedlot ... OR power interruption suffocating hogs in a Midwest swine operation ... OR wrecked cattle hauler in Anywhere USA/Canada ... OR a sick horse proudly owned by a concerned young girl in your Hometown, we’ve been there for our customers. And we will be there for you, responding to your needs with local underwriters and experienced claims professionals. You can count on The Hartford for innovative coverage, local expertise, and 24-hour "always-on-call" claims handling.

Our Livestock Solutions

Horse Insurance

Your horse is a trusted partner, a member of the family and also a valuable investment that you need to protect. Within their environment or as a part of their use, you know equine are susceptible to many perils. You can be prepared to handle these risks by protecting your horse with equine animal mortality insurance from The Hartford. Our equine coverages include:

Animal Mortality Coverage – Helps cover costs associated with a horse’s death if caused by a covered accident, injury, sickness, or disease. Theft coverage is also included.
Animal Mortality Limited Coverage – Helps cover costs associated with a horse’s death if caused by a listed covered cause of loss including fire, lightning, windstorm, hail, collision or upset while in transit, accidental shooting, drowning, and more. Theft coverage is also included.
Major Medical Expense Coverage (Optional) – Equine Major Medical can be added as an endorsement to Animal Mortality Coverage. It helps cover costs associated with veterinary medical and surgical expenses incurred to treat a horse as a result of a covered accident, injury, sickness or disease. Various limit of insurance options are available.

Equine Mortality Coverage Overview

Higher-Valued Animal Insurance

Police and Service Dogs, Bucking Bulls, and Show or Breeding Cattle/Swine are high-value animals often exposed to high-hazard uses and conditions. If you own one of these animals, you know they represent a substantial investment of money, time, and training. And in many cases, your life or your livelihood actually depends upon these animals. The Hartford can help you protect that important investment with our higher-valued animal mortality insurance:

Animal Mortality Coverage – Helps cover costs associated with an animal’s death if caused by a covered accident, injury, sickness, or disease. Theft coverage is also included.
Animal Mortality Limited Coverage – Helps cover costs associated with an animal’s death if caused by a listed covered cause of loss including fire, lightning, windstorm, hail, collision or upset while in transit, accidental shooting, drowning, and more. Theft coverage is also included.

Livestock Transit Insurance

If you haul livestock, you know it is a cargo like no other and any accidents require an immediate response. Fortunately, we also understand that and stand ready to put our 100 years or experience to work for you. The Hartford’s livestock transit products and services are industry leaders supported by our proud history in the business. Our livestock transit coverages include:

Livestock Transit Coverage – Helps provide coverage for death and crippling coverage on a broad perils basis for covered livestock while in due course of transit.
Livestock Transit Limited Coverage – Helps provide coverage for death and crippling coverage on a named perils basis for covered livestock while in due course of transit.
Additionally Covered Property in Transit Coverage – On a broad or named perils basis, helps provide coverage for other property that livestock haulers may transport when you are not hauling livestock. Typically, the covered property is other agricultural commodities, but we will consider coverage for various property types upon request.
Carcass Removal (Optional) – Carcass removal expense coverage can be added to livestock transit coverage if such carcasses are covered livestock that died as the result of a covered cause of loss.
Substitution of Vehicles (Optional) – Extends the livestock transit coverage to include coverage for any temporary substitute transporting vehicle used when any listed transporting vehicle is disabled or replaced.
Coverage after Transit (Optional) – On a broad perils basis, coverage after transit extends the livestock transit coverage to cover the death or crippling of covered livestock after unloading at the specified destination. Such death or crippling must be the result of a covered cause of loss and occur within the specified number of days.
Coverage after Transit – Listed Causes of Loss (Optional) – On a named perils basis, this coverage extends the livestock transit coverage to cover the death or crippling of covered livestock after unloading at the specified destination. Such death or crippling must be the result of a listed covered cause of loss and occur within the specified number of days.
Deck Collapse Coverage (Optional) – Amends the livestock transit limited coverage to include coverage for the death or crippling of covered livestock caused by the total or partial collapse of the upper deck(s) on multi-level transporting vehicles.
Refusal of Shipment Coverage (Optional) – Refusal of shipment coverage extends the livestock transit coverage to include coverage for the depreciation in value of covered livestock when such depreciation is due to the consignee’s refusal of the entire shipment as the result of a covered cause of loss.
Coverage Extension – Outbound Transit (Optional) – Extends the livestock transit coverage to covered livestock in transit from the covered premises when the applicable premium is added to the livestock buyer’s invoice.

Livestock Transit Insurance Overview

Feedlot, Pasture & Dairy Cattle Insurance

Your feedlot, pasture, or dairy cattle operation is a business with unique risk management needs. The cattle are your factory and they are the most valuable part of your business inventory. They are also extremely vulnerable to many risks beyond your control. The Hartford offers specialized insurance products covering the death of cattle due to covered causes of loss. Mostly weather-related, these causes of loss can occur with little warning and result in devastating cattle losses. With our coverage and in-house claim staff, The Hartford can help you prevail through such uncontrollable events. Our feedlot, pasture, and dairy cattle coverage includes:

Livestock Feeding and Growing Facility Coverage – Helps provide coverage for the death of covered livestock due to a listed covered cause of loss including fire, lightning, windstorm, drowning, flood, building collapse, vandalism, smothering caused by blizzard, and more. Coverage for the theft of covered livestock is also included.
Hypothermia Coverage (Optional) – Adds Hypothermia to the Livestock Feeding and Growing Facility Coverage as a covered cause of loss where Hypothermia caused by exposure to freezing rain, sleet, blizzard, or snowstorm results in the death of covered livestock. Note: Hypothermia coverage is not available in all states/provinces and can only apply to feedlot or dairy cattle. It is not available for pasture cattle.
Carcass Removal Coverage (Optional) – Adds carcass removal expense coverage to the Livestock Feeding and Growing Facility Coverage if such carcasses are covered livestock that died as the result of a covered cause of loss.
Contaminated Feed or Water Coverage (Optional) – Adds Contaminated Feed or Water to the Livestock Feeding and Growing Facility Coverage as covered causes of loss where the consumption of a toxic substance in feed or water results in the death of covered livestock. Note: Contaminated Feed or Water Coverage applies to feedlot or dairy cattle only. It is not available for pasture cattle.

Feedlot Cattle Insurance Overview

Pasture Cattle Insurance Overview

Dairy Cattle Insurance Overview

Swine Insurance

Designed for swine owners, integrators, or contract growers, our confined swine insurance helps protect your operation’s hogs. You know such protection is very important because you know those hogs represent such an enormous investment of your livelihood’s resources. Tornadoes, fires, power interruptions, etc. are all perils that can kill your hogs with little or no warning. The Hartford is ready to help you when events like these occur. Our specialized insurance coverages for swine include:

Confined Swine Coverage – Helps provide coverage for the death of covered swine resulting from covered causes of loss, including fire, lightning, windstorm, vandalism, drowning, flood, building collapse, and more. It also includes coverage for theft of covered swine.
Power Interruption and Mechanical Breakdown Coverage (Optional) – Power interruption and mechanical breakdown coverage can be added to confined swine insurance to cover the death of covered swine in case a building’s ventilating equipment fails due to interruption of power or a mechanical breakdown.
Manual Start Back-Up Generator System Endorsement (Optional) – The Manual Start Back-Up Generator System endorsement amends the power interruption and mechanical breakdown coverage to allow a manual start back-up generator system. (Normally, an automatic start back-up generator system is required.)
Contaminated Feed Coverage (Optional) – Adds contaminated feed to the confined swine coverage as a covered cause of loss where the consumption of a toxic substance in feed or water results in the death of covered swine.
Reproductive Impairment Coverage (Optional) – Amends the confined swine coverage to include coverage for the reduction in value of covered swine should a covered loss result in reproductive impairment.
Contract Penalties Coverage (Optional) – Amends the confined swine coverage to pay contract penalties assessed should the death of swine caused by a covered loss result in your failure to deliver contracted swine.

Swine Insurance Overview

Livestock Auction Market or Packer Insurance

In the unfamiliar environment of your auction market or packing facility, accidental loss to livestock is a real risk. The Hartford’s livestock auction market and packer insurance covers livestock in your care, custody, or control while on the market’s premises. Coverage while such livestock are in transit to or from the market is also available. Most importantly, you and your customers can enjoy peace of mind knowing the investment in their valuable livestock is protected. Our livestock auction market and packer insurance coverage includes:

Livestock Premises Coverage – Helps provide coverage for death and crippling on a broad perils basis for covered livestock while located at covered premises.
Livestock Premises Limited Coverage – Helps provide coverage for death and crippling on a named perils basis for covered livestock while located at covered premises.
Inbound or Outbound Transit Coverage (Optional) – Helps provide coverage for death and crippling of covered livestock while in due course of transit to or from the market.
Mortgaged and Stolen Livestock Liability Coverage (Optional) – Helps provide coverage for the legal liability associated with the sale or purchase of mortgaged or stolen livestock.
Carcass Removal (Optional) – Carcass removal expense coverage can be added to the livestock transit coverage to cover removal expenses if such carcasses are covered livestock that died as the result of a covered cause of loss.
Extension of Time Covered (Optional) – Extension of Time Covered amends the livestock premises coverage by increasing the time that livestock are covered at listed premises from 2 days after arrival to 10 days after arrival.
Straying and Escape (Optional) – Straying and Escape extends the livestock premises coverage to include coverage for the death of covered livestock that stray or escape from listed premises. Such death must result from one of the following covered causes of loss:
- Relámpagos
- Vehicles, meaning only physical contact with a vehicle which is not transporting the covered livestock or owned/operated by the insured
- Electrocution
- Shooting by government authority to protect the public from harm

Poultry Insurance

There are many risks in the poultry business. Extreme weather is just one condition that could lead to significant poultry losses. So it is important to protect the investment you’ve made in your poultry operation with the right insurance solutions. The Hartford’s poultry insurance program can help. We cover birds in a variety of poultry operations with flexible options so you can tailor coverage to the unique risks threatening the future of your business:

Poultry Coverage – Helps provide coverage for direct physical damage resulting in death, of covered poultry. It also includes coverage for:
- Debris removal
- Covered poultry in the custody of a common or contract carrier
- Covered poultry on your vehicles
- Fire department service charges
- Newly-acquired locations
Power Interruption and Mechanical Breakdown Coverage (Optional) – Power interruption and mechanical breakdown coverage can be added to poultry coverage. It helps cover losses resulting from the death of covered poultry due to the failure of a building’s ventilating equipment caused by the interruption of power or a mechanical breakdown.
Manual Start Back-Up Generator System (Optional) – Amends power interruption and mechanical breakdown coverage to allow a manual start back-up generator system in place of the normally required automatic start back-up generator system.
Loss of Egg Income Coverage (Optional) – Loss of egg income coverage can be added to poultry coverage to cover loss of egg income where the loss of income is caused by the suspension of egg production. The suspension of egg production must result from the covered loss of covered poultry.
Loss of Income from Meat Birds Coverage (Optional) – Loss of income from meat birds coverage can be added to poultry coverage to cover loss of income for meat birds described in a tentative placement schedule. The loss of income must result from the covered loss of the described meat birds. Coverage for the loss of income resulting from the inability to place covered meat birds due to a building’s destruction by a specified cause of loss is also included.

Poultry Insurance Overview

Hatchery Insurance

Running a successful poultry hatchery requires patience, skill, and great care. The temperature has to be right, there must be adequate ventilation, space for the eggs to hatch, and once hatched, young chicks or poults need special attention. Unfortunately, after all this care, you may face hazards beyond your control. Severe weather, fire, power interruption, etc. can cause significant losses to a hatchery operation. By offering coverage for fertile hatching eggs and chicks or poults up to 120 hours old, our program is designed to protect your hatchery operation when disaster strikes. Our hatchery insurance coverages include:

Hatchery Coverage – Helps provide coverage for the destruction/death of fertile hatching eggs and chicks/poults up to 120 hours old. Such destruction/death must result from a listed covered cause of loss, including: fire or lightning, windstorm or hail, explosion, vandalism, theft, building or sinkhole collapse, transporting vehicle collision or overturn, bridge or roadway collapse, flood or drowning, earthquake, and more. Fertile hatching eggs are covered on the hatchery premises. Chicks or poults are covered while on the hatchery premises or in transit on the hatchery’s vehicles.
Egg Spoilage or Damage Coverage (Optional) – Extends the hatchery coverage to cover hatching eggs that spoil or will not hatch as the result of a covered cause of loss.
Power Interruption and Mechanical Breakdown Coverage (Optional) – Amends the hatchery coverage to cover loss of fertile hatching eggs, chicks, or poults caused by a change in temperature or humidity resulting from a power interruption to, or mechanical breakdown of, the hatchery’s incubators, equipment, or control apparatus.
Debris Removal Coverage (Optional) – Amends the hatchery coverage to pay expenses for the removal of covered fertile hatching eggs, chicks, or poults destroyed as the result of a covered cause of loss.
Pollutant Clean-Up and Removal Coverage (Optional) – Amends the hatchery coverage to pay legally imposed expenses to extract “pollutants” from land or water at the hatchery premises if the release of the “pollutants” is caused by the loss of covered fertile hatching eggs, chicks, or poults resulting from a covered cause of loss.
Fire Department Service Charge Coverage (Optional) – Amends the hatchery coverage to pay the liability assumed by contract or agreement for the fire department service charges incurred when the fire department is called to save or protect covered fertile hatching eggs, chicks, or poults from loss resulting from a covered cause of loss.

Hatchery Insurance Overview

Livestock Ocean Marine Transit Insurance

As the consumption of protein increases around the world, so does livestock transportation. Whether by ship or plane, livestock owners need livestock transportation insurance solutions that can cover their investment in the event of a loss. Using an endorsement to The Hartford’s Ocean Cargo Form, we can cover the loss of livestock while in international transit. And because we understand your business needs, our ocean marine insurance for livestock can also cover frozen embryos or semen.

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