Mortality coverage is essentially term life insurance for your livestock. Whether you are protecting high-value breeding stock, prize-winning show animals, or your primary commercial herd, this policy provides a critical safety net against the unexpected loss of life due to covered accidents, diseases, or natural disasters in plain, easy-to-understand terms.
For producers, livestock represents both a massive capital investment and the engine of your future cash flow. Mortality protection ensures that an unforeseen tragedy doesn't derail your operation's financial stability, providing the immediate resources needed to replace lost herd value and maintain the momentum of your ranching legacy.
Mortality coverage is designed to provide comprehensive protection for your most valuable livestock assets, ensuring financial stability even in the face of unexpected loss.
Covered Causes
Protection against mortality resulting from accidents, illness, sickness, or disease as defined in your policy.
Transit Risk
Safeguarding your livestock during transit between grazing land, sales, or show locations across the country.
Show Coverage
Risk management tailored for high-value show animals while being exhibited or housed on-site.
Breeding Value
Protection for the reproductive future of your herd, covering breeding stock against loss of life or use.
Natural Disasters
Securing your herd against environmental perils like fire, lightning, windstorm, or other disasters.
Theft Protection
Policy extensions available to provide security against the financial impact of documented theft or straying.
01
Application & Valuation
Producers begin by submitting basic information regarding their livestock, including age, health history, and intended use. We handle the paperwork efficiently so you can stay focused on the ranch.
02
Expert Underwriting
Our specialists review your application alongside veterinary reports to confirm accurate valuation. We work with you to establish agreed-upon values that reflect the true worth of your herd.
03
Policy & Coverage Term
Once coverage is bound, your animals are protected for the policy term—typically one year. This provides essential peace of mind against death resulting from accidents, illness, or natural disasters.
04
Claim Support
Should a loss occur, our team prioritizes quick response and prompt settlement. We understand the impact on your cash flow and provide expert guidance through every step of the claim process.
Eligible Animals
Mortality coverage protects a variety of livestock investments, including registered breeding bulls, commercial cattle, and show animals. Both individual policies and full herd options are built to scale with your operation's specific needs.
Vet Involvement
Healthy cattle are the cornerstone of any ranch. Most policies require a veterinarian's certificate of health at the start. Prompt notification of any illness or injury is a vital requirement for maintaining full coverage and protecting your financial investment.
Documentation
Accurate recordkeeping is the best insurance for your insurance. Keeping up-to-date documentation on herd health, animal identification, and value ensures that application processes are smooth and claims are settled fairly when you need it most.
Risk Integration
Mortality insurance is a powerful tool when integrated with other risk programs like LRP and PRF. This multi-layered approach safeguards your ranch against market volatility while protecting the tangible value of the herd in your care.