Protecting Your Herd: Why Livestock Insurance Matters

Here at Hitchings Insurance, we understand the dedication and hard work that goes into raising livestock. Your animals are more than just farm assets; they’re an investment of time, money, and emotional connection. That’s why, alongside protecting your equipment and buildings, having a solid livestock mortality insurance plan is crucial.

While we can’t prevent the unexpected, we can help you be prepared for it. Accidents, illness, theft, and natural disasters all threaten your livelihood. Problems with an animal can be devastating, not just emotionally, but financially.

Why Consider Livestock Insurance?

• Peace of Mind: Knowing your herd is financially protected allows you to focus on what matters most – the well-being of your animals and the success of your operation.
• Financial Security: Livestock mortality insurance reimburses you for the cash value of a lost animal, helping to offset the financial blow and ensure your business can keep moving forward.
• Standard Peril Coverages: Protects against fires, tornados, building collapse, hail, theft, and potentially other coverage scenarios.
• Manage Risk: Farming is inherently risky. This insurance mitigates the risk of losing a significant investment, especially for high-value breeding stock, show animals, or registered breeds.

Understanding Coverage Options

Livestock insurance comes in various forms, tailored to fit your specific needs and budget. Here’s a quick breakdown of two common options:

1. Mortality Coverage – Coverage against disease, grazing poisoning, hypothermia, drowning, accidental shooting.
2. Standard Farm Policy Coverage – Coverage against storms, fire, collapse, vandalism, theft, falling items, lightning strikes.

Getting the Right Coverage

The best plan for you depends on several factors, including the type and value of your livestock, your budget, and your risk tolerance. Our experienced agents at Hitchings Insurance can help you navigate the options and find a policy that provides the right balance of protection and affordability.

Remember:

• Be sure to accurately value your livestock. This ensures you receive appropriate compensation in the event of an issue.
• Read the policy details carefully. Understand what is covered and what exclusions apply.
• Maintain proper veterinary care and record-keeping. This demonstrates responsible animal care and can be crucial when filing a claim.

Livestock insurance is an investment in the future of your farm. By taking steps to protect your herd, you’re safeguarding your livelihood and ensuring you can continue your passion.

Contact Hitchings Insurance today to discuss your livestock mortality insurance needs and get a free quote. We are here to help you make informed decisions and keep your farm thriving.