Insurance for livestock
Even in the best run livestock operations, sometimes bad things happen. We’re here to help protect you when you face catastrophes, from fire and harsh weather to disease and loss of value and revenue.
We offer ways to protect your livestock with livestock coverage on your farm insurance, livestock mortality insurance1, federal livestock insurance and special coverages for horses. Livestock insurance can cover horses, beef cattle, dairy cattle, dogs, sheep and swine.
With COUNTRY Financial®, you’ll also get affordable livestock insurance rates and access to experts in helping you protect your livelihood. COUNTRY Financial was started by farmers and we’ve been insuring farms since 1925. We have the expertise to help you insure your livestock and your farm with confidence.
Coverage included with farm insurance
If you buy a COUNTRY Financial farm insurance policy and purchase our top coverage plan for your farm personal property, your livestock insurance coverage will include coverage for specific types of risks. (The top plan’s technical name is Broad Form and Additional Machinery Perils plus Additional Livestock Perils.)
Types of risks covered
- Fire or lightning
- Theft and vandalism
- Windstorm or hail
- Explosion or smoke
- Aircraft or vehicles colliding with your livestock
- Drowning or electrocution
- Accidental shooting
- Attack by dogs or wild animals
Additional livestock insurance coverage options
- Hog loss of value – for the risk that your hogs will decrease in value1
- Hog suffocation – for hogs you own or non-owned hogs in your care1
- Animal collision – for animals killed by a motor vehicle2
- Milk contamination – for the loss of your milk due to contamination or leakage2
Extra coverages
Regardless of the COUNTRY Financial farm insurance coverage plan you have, you can also choose to add the following types of livestock insurance coverage to your farm policy at an added cost: livestock mortality insurance, federal livestock insurance, and special coverages for horses.
Livestock mortality insurance
Buying livestock mortality insurance1 is like purchasing life insurance for your animals.
- Horses
- Beef cattle
- Dairy cattle
- Dogs
- Sheep
- Swine
It insures against death from:
- Illness
- Disease
- Accident (including fire and lightning)
- Intentional destruction when necessary
Federal coverage
We offer a few ways to protect your livestock through federal livestock insurance programs.
Livestock gross margin (LGM)
Livestock Gross Margin insurance is a policy designed to protect your farm’s bottom line if feed costs spike and the cost to feed your livestock is more than the market value of the animals (or the market value of your milk, if you have a dairy farm).
Livestock risk protection (LRP)
Livestock Risk Protection insurance can help protect you against declining livestock market prices. You can select from a variety of coverage levels and insurance periods depending on the time your livestock would normally be sold.
Dairy revenue protection (Dairy-RP)
Dairy-RP, or dairy farm insurance, was created to help protect the revenue of milk production on your dairy farm and prepare for reductions in milk sales. Dairy farmers can choose how much of their expected quarterly milk production to insure, what milk price they wish to protect, and their coverage and protection levels.
Horse coverage
If you have an equine business, we’ve got you protected. Here are some special horse insurance coverages we offer on our farm insurance policy:
- Liability coverage for boarding and stabling non-owned horses
- Farm personal property coverage for horses, hay, feed, tack, farm machinery, etc.
- Care, custody and control coverage for non-owned horses
- Coverage for high-value items like silver-mounted saddles
- Property coverage for barns, stables and arenas
- Coverage for equine fencing and farm signs
Other options are available too. We can help explain them all and get you the horse insurance protection you’re looking for.
What is not covered by livestock insurance?
Livestock insurance does not cover:
- Natural death
- Loss of livestock due to disease
- Old age
- Intentional slaughter
- Intentional acts of negligence
Start a farm insurance quote
Find a local rep or call us at 866-COUNTRY (866-268-6879). We'll help you find livestock insurance that works for you.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
1Only available in IL
2Not available in IL
Farm policies issued by COUNTRY Mutual Insurance Company®, Bloomington, IL.
For product and service information, read our Terms & Conditions.
In accordance with Federal civil rights law and U.S. Department of Agriculture (USDA) civil rights regulations and policies, the USDA, its Agencies, offices, and employees, and institutions participating in or administering USDA programs are prohibited from discriminating based on race, color, national origin, religion, sex, disability, age, marital status, family/parental status, income derived from a public assistance program, political beliefs, or reprisal or retaliation for prior civil rights activity, in any program or activity conducted or funded by USDA (not all bases apply to all programs). Remedies and complaint filing deadlines vary by program or incident.
Persons with disabilities who require alternative means of communication for program information (e.g., Braille, large print, audiotape, American Sign Language, etc.) should contact the responsible Agency or USDA's TARGET Center at (202) 720-2600 (voice and TTY) or contact USDA through the Federal Relay Service at (800) 877-8339. Additionally, program information may be made available in languages other than English.
To file a program discrimination complaint, complete the USDA Program Discrimination Complaint Form, AD-3027, found online at How to File a Program Discrimination Complaint and at any USDA office or write a letter addressed to USDA and provide in the letter all of the information requested in the form. To request a copy of the complaint form, call (866) 632-9992. Submit your completed form or letter to USDA by: (1) mail: U.S. Department of Agriculture, Office of the Assistant Secretary for Civil Rights, 1400 Independence Avenue, SW, Washington, D.C. 20250-9410; (2) fax: (202) 690-7442; or (3) email: [email protected].
USDA is an equal opportunity provider, employer, and lender.