Most standard farm insurance policies don’t cover the unexpected death of livestock. That’s where animal mortality insurance steps in. It helps protect farmers financially if an animal — or worse, an entire herd — is lost. Having this coverage in place gives you peace of mind, knowing your investment and livelihood are better protected if something goes wrong.

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Animal mortality insurance can cover a wide range of animals, including cows, pigs, chickens, horses, sheep, goats, llamas — even rare or exotic breeds. You can set up a policy in a few different ways:

• Blanket coverage for all your livestock,

• Herd coverage for a specific group (like your flock of sheep), or

• Individual coverage for high-value animals, like a prized breeding bull.

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Coverage details can vary depending on the policy and the animals you're insuring. But generally speaking, most animal mortality policies help cover losses from:

• Accidents, like if an animal gets injured by an electric fence or during transport

• Illnesses, such as colic

• Predator attacks, from dogs, coyotes, or bobcats

• Natural disasters, like lightning strikes or severe winter storms

• Injuries that require humane euthanization

When you’re running a farm, unexpected losses can hit hard. Animal mortality insurance is one more way to help keep your operation strong and moving forward, no matter what comes your way.