Livestock

• Animal Mortality Coverage - Death coverage on a broad perils basis, including accident, injury, sickness and disease. Theft is also covered.
• Animal Mortality Limited Coverage - Coverage for death resulting from a listed covered cause of loss including fire, lightning, windstorm, hail, collision or upset while in transit, accidental shooting, drowning and more. Theft is also covered.
• Emergency Colic Surgery Expense Coverage - Coverage for emergency colic surgery expenses as an endorsement to the Animal Mortality Coverage at no additional cost.
• Major Medical Expense Coverage (Optional) - For veterinary medical and surgical expenses incurred for a covered horse as a result of a covered accident, injury, sickness, or disease. Various limit of insurance options are available.
• Surgical Expense Coverage (Optional) - Covers up to $5,000 of surgical expenses incurred to save the life of a covered horse when the surgery is required as a direct result of a covered accident, injury, sickness, or disease.
• Loss of Use Coverage (Optional) - Provides coverage for a covered horse that becomes unfit for its first Use specified in the policy due to a covered accident, injury, sickness, or disease. A limited Loss of Use option covering only accident or injury is also available.
• Accident, Sickness and Disease Coverage (Optional) - Offers protection for a covered stallion that becomes incapable of stud service due to covered infertility, impotence, accident, injury, sickness, or disease.
• Coverage Extension Newly Purchased Animal (Optional) - Provides coverage for newly purchased horses.
• Increased Mare Valuation (Optional) - Increases the limit of insurance on a specifically-listed mare to include the cost of the stud fee/embryo for a specified pregnancy.
   

Download Equine Animal Mortality Coverage Brochure

• Animal Mortality Coverage - Death coverage on a broad perils basis, including accident, injury, sickness and disease. Theft is also covered.
• Animal Mortality Limited Coverage - Coverage for death resulting from a listed covered cause of loss including fire, lightning, windstorm, hail, collision or upset while in transit, accidental shooting, drowning and more. Theft is also covered.

• Livestock Transit (Optional) - Provides death and crippling coverage on a broad perils basis for covered livestock while in due course of transit.
• Livestock Transit Limited (Optional) - Provides death and crippling coverage on a named perils basis for covered livestock while in due course of transit.
• Additionally Covered Property in Transit (Optional) - Coverage On a broad or named perils basis, provides coverage for other property that livestock haulers may transport when they 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) - Adds carcass removal expense coverage to the livestock transit coverage if such carcasses are covered livestock that died as a 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, 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, 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 (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) - 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 a 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.
   

• Valuation Schedule - Our standard Livestock Feeding and Growing Facility Coverage values covered livestock at current market value. The optional valuation schedule can provide more flexibility by amending coverage with agreed values for specified types or categories of covered livestock that you and The Hartford agree are not represented by current market value.
• Hypothermia Coverage - 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 - Adds carcass removal expense coverage to the Livestock Feeding and Growing Facility Coverage if such carcasses are covered livestock that died as a result of a covered cause of loss.
• Contaminated Feed or Water Coverage - 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 can only apply to feedlot or dairy cattle. It is not available for pasture cattle.
   

Download Dairy Cattle Coverage Flyer
Download Feedlot Cattle Insurance Flyer
Download Pasture Cattle Flyer

• Livestock Premises Coverage - Provides death and crippling coverage on a broad perils basis for covered livestock while located at the insured’s covered premises.
• Livestock Premises Limited - Coverage  Provides death and crippling coverage on a named perils basis for covered livestock while located at the insured’s covered premises.
• Inbound or Outbound Transit (Optional) - Coverage Provides death and crippling coverage for covered livestock while in due course of transit to or from the market.
• Mortgaged and Stolen Livestock Liability Coverage (Optional) - Provides coverage for the legal liability associated with the sale or purchase of mortgaged or stolen livestock.
• Coverage Extension Carcass Removal (Optional) - Adds carcass removal expense coverage to the livestock transit coverage if such carcasses are covered livestock that died as a result of a covered cause of loss.
• Extension of Time Covered (Optional) - 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) - 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:
  • Lightning
  • 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
     

• 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
   

Additional Coverage

• Poultry Power Interruption and Mechanical Breakdown Coverage (Optional) - Adds Power Interruption and Mechanical Breakdown to the Poultry Coverage as Covered Causes of Loss where the failure of a building’s ventilating equipment is caused by the interruption of power or a mechanical breakdown - resulting in the death of covered poultry.
• Poultry Manual Start Back Up Generator System (Optional) - Amends the Poultry 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) - Adds coverage for the loss of egg income to the Poultry Coverage 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) - Amends the Poultry Coverage with loss of income coverage 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.

Download Poultry Insurance Flyer

• Fire or lightning
• Windstorm or hail
• Explosion
• Vandalism
• Theft
• Building or sinkhole collapse
• Transporting vehicle collision or overturn and bridge or roadway collapse
• Flood or drowning
• Earthquake
• And more
   

• Egg Spoilage or Damage Coverage Extension (Optional) - Covers hatching eggs that spoil or will not hatch as a result of a covered cause of loss.
• Additional Coverage for Power Interruption and Mechanical Breakdown (Optional) - Covers the loss of 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, and control apparatus.
• Additional Coverage for Debris Removal (Optional) - Pays expenses to remove covered hatching eggs, chicks, or poults destroyed as a result of a covered cause of loss.
• Additional Coverage for Pollutant Clean Up and Removal (Optional) - Pays the 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 hatching eggs, chicks, or poults resulting from a covered cause of loss.
• Additional Coverage for Fire Department Service Charges (Optional) - Pays 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 hatching eggs, chicks, or poults from loss resulting from a covered cause of loss.

• Fire
• Lightning
• Windstorm
• Drowning
• Flood
• Building collapse
• And more

• Power Interruption and Mechanical Breakdown Coverage (Optional) - Amends the Confined Swine Coverage to cover the failure of a building’s ventilating equipment; if it is caused by the interruption of power or a mechanical breakdown and results in the death of covered swine. Two separate endorsements are available: Coverage for power interruption only; or for both power interruption and mechanical breakdown.
• Manual Start Back-Up Generator System Amends the Power Interruption and Mechanical Breakdown (Optional) - Coverage to allow a manual start back-up generator system in place of the normally required automatic start back-up generator system.
• 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 due to reproductive impairment resulting from a Covered Cause of Loss.
• Contract Penalties Coverage (Optional) - Amends the Confined Swine Coverage to pay contract penalties assessed for the failure to deliver contracted swine as a result of their death caused by a Covered Cause of Loss.
   

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.

 

Whether it’s by water or air, The Hartford has been there to respond to your needs with local underwriters and experienced claims professionals. And as the industry changes, we respond with specific products and services to help protect your investment. You can continue to put your trust in The Hartford.