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Understanding Livestock Insurance

Understanding Livestock Insurance

When insuring your livestock on your farm it is worth remembering that you are insuring against specific perils occurring. Whilst they are normally insured for basic covers including Fire, lightning, electrocution, impact by vehicle, fatal injury off your premises (often referred to as “straying” cover) and whilst in transit there are some additional important considerations to give thought to, including:

Livestock Farm - Lamb Grazing
Livestock Farm - Cow

Sheep worrying

There continues, in many areas, to be a significant risk of sheep worrying. Uncontrolled dogs can cause significant damage to a sheep enterprise in a very short period of time.


The risk of theft is a problem in many areas, particularly given recent increased values of sheep. Many farmers are including this cover on as a necessary precaution.

Full mortality (specified livestock)

Livestock are normally insured for specific perils as already mentioned. We would recommend that any particularly valuable animals such as stock bulls are insured on a full mortality and loss of use basis. Full details are available on request.

Bulls – fertility guarantee

If you are selling pedigree bulls cover can be provided for the vendors guarantee.

Working dogs

Working dogs are now very expensive to replace, with most insurers not providing cover unless specified, or imposing an upper value limit which is in many cases inadequate. If the business has working dogs these should be specified on your insurance schedule.

Livestock belonging to third parties

If you have livestock on your premises that belong to someone else, these will not be covered within your own livestock sum insured and must be specifically detailed to your insurers.

Livestock – Sum insured

The sum insured should represent the maximum value of livestock at risk.  Ensure that recent increases in livestock values are reflected in your existing cover. Please ensure that your present sum insured is adequate to avoid the risk of underinsurance should a claim occur.






(Source – http://www.fandmgroup.co.uk/livestockfarminsurance.aspx)

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