Livestock

Who We Serve

We offer products and services to meet the unique insurance needs of owners of valuable animals, as well as businesses engaged in breeding, raising, selling or transporting various species of commercial livestock.
 

Our Appetite

  • Horses
  • Higher-valued animals such as Service Dogs, Police Dogs, Bucking Bulls, and Breeding or Show Livestock
  • 4H/FFA animals
  • Feedlot, Pasture and Dairy Cattle
  • Livestock in Transit
  • Livestock on Market Premises
  • Poultry including Poultry in Hatcheries
  • Confined Swine
Our Solutions
The Hartford’s equine mortality insurance offers comprehensive coverage for the particular perils that horses face, with options that allow you to tailor the policy to your client’s unique needs.
 
  • 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.
     
Dedicated Service from Equine Mortality Underwriters and In-House Claim Adjusters - The Hartford’s dedicated equine underwriters have an average of 20 years of experience in the equine industry. We also staff a full-service, in-house claims department capable of handling claims from start to finish. When you talk to a Hartford livestock claim adjuster, you are talking to a Hartford employee with the authority to make decisions.
 
Download Equine Animal Mortality Coverage Brochure
Designed to cover higher-value animals such as service dogs, police dogs, bucking bulls, and breed or show livestock, our animal mortality coverage options offer broad coverage at an agreed value based upon the animal’s genetics or talents.
 
  • 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.
 
Responsive Claim Services When It Matters Most - When your client suffer a loss, The Hartford focuses on one thing: timely service. Our in-house, experienced claims adjusters are on call 24 hours a day. And as the industry changes, we respond with the products and services they need to protect their valued investment.
Hauling livestock is a specialized business that requires expertise and care. The risk associated with an overturned truck loaded with livestock is far different than handling an overturned truck loaded with most other cargo. As a leading carrier of livestock transit insurance, The Hartford has many years of experience servicing these types of claims with local and speedy support.
 
  • 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.
     
We go the extra mile - No matter how far they’re traveling, your clients can depend on us to protect their cargo all the way. You can count on The Hartford for livestock coverage needs. It’s what we’ve been doing for  100 years.
Our Livestock Feeding and Growing Facility Insurance provides insurance 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.
 
  • 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.
     
Prime Claim Services - In the event of a claim, our in-house livestock claim adjusters who know the industry will be at your service, providing you with a single point of contact for claim issues and coverage assessments. They are on call 24 hours a day to provide timely and efficient service.
 
Download Dairy Cattle Coverage Flyer
Download Feedlot Cattle Insurance Flyer
Download Pasture Cattle Flyer
In the unfamiliar environment of an auction market or packer, loss to livestock is a real risk. The Hartford’s Livestock Auction Market or Packer Insurance can protect your customers’ animals and give you peace of mind while they are in your market’s care, custody or control.
 
  • 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
       
We’ve Been Protecting Livestock Operations for Almost 100 Years - With experienced underwriters, tailored products and local claim support, The Hartford offers the stability, commitment and know-how to keep your business moving forward in the event of a loss.
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 poultry operations with the right insurance solutions.
 
Our poultry insurance program provides broad perils coverage for direct physical damage to covered poultry resulting in death. 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
     

Additional Coverage

You can customize your coverage with the following options:
 
  • 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.
 
Committed to the Poultry Industry - The Hartford staffs underwriters who specialize in poultry insurance and understand the poultry industry. And because our claim adjusters are on-call 24 hours a day, they will always be there to provide timely and efficient service.
 
Download Poultry Insurance Flyer
The Hartford’s hatchery insurance covers loss to fertile hatching eggs and chicks or poults up to 120 hours old. Fertile hatching eggs are covered while on the hatchery premises. Chicks or poults are covered while on the hatchery premises or in transit on the hatchery’s vehicles.
 
Our hatchery insurance covers destruction or death of eggs, chicks or poults that result from a listed Covered Cause of Loss, which include:
 
  • 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
     
Additional Coverages: As a part of its comprehensive coverage for fertile hatching eggs, chicks or poults, our hatchery insurance also covers:
 
  • 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.
 
Committed to the Poultry and Hatchery Industries - Specialized underwriters, timely and efficient claims services – that’s what you get with The Hartford. Count on The Hartford to be there to provide timely and efficient service when you need it the most.
 
The Hartford’s confined swine insurance covers the death of covered swine resulting from a listed Covered Cause of Loss including:
 
  • Fire
  • Lightning
  • Windstorm
  • Drowning
  • Flood
  • Building collapse
  • And more
 
Additional Coverages - Our specialized program makes The Hartford a leading carrier for confined swine insurance. You can customize a plan that suits your needs with:
 
  • 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.
     
Expert Claim Service - The Hartford’s in-house livestock claim adjusters are on-call 24 hours a day to provide you with timely and efficient service. In the event of a claim, you can rest assured that you are working with a professional who understands your coverage and the swine industry.
 
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.
 

Servicing the Livestock Industry Since 1916

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.
 
 
All coverages and services may not be available in all jurisdictions. For details on what coverages and services are available to you, contact your Hartford Livestock Agent today.
 
This page outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations, or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.