Named peril mortality
Death from lightning, fire, flood, storm and similar listed causes.
Business Insurance
Livestock insurance for the herd.
Animals are inventory that can die from weather, disease or a lightning strike on open ground. Cover is written around named causes.
Livestock cover protects animals as an asset. Most policies are written on a named peril basis — lightning, fire, flood, certain storms, electrocution and accidental shooting — rather than covering death from any cause, and understanding which causes are named is the whole exercise.
Named perils, mortality and transit
Named peril cover is the common form for herds and is priced accordingly. Full mortality cover, which responds to death from most causes including illness, is generally used for individually valuable animals such as breeding stock and horses.
Animals in transit and at shows or sales are frequently outside a base policy. If stock travels regularly, that needs including rather than assuming the herd cover follows them off the property.
What it covers
The parts of a livestock insurance policy
Full mortality
Broader cover for individually valuable breeding stock and horses.
Transit and shows
Animals travelling to sales, shows or other properties.
Animal liability
Damage or injury caused by stock that gets off the property.
Working with us
What we do differently
We are an independent agency, so we place your livestock insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Check which perils are actually named — the list varies between carriers
- Consider full mortality cover for individually valuable animals
- Include transit if stock travels to sales or shows
Common questions
Livestock Insurance, answered
Does livestock insurance cover death from illness?
Named peril policies generally do not — they list specific causes such as lightning, fire and storm. Full mortality cover is broader and is usually reserved for individually valuable animals.
Is lightning covered?
It is one of the most common named perils on livestock policies, and on open Texas ground it is a genuine cause of loss rather than a theoretical one.
What if my cattle get onto a road?
That is animal liability rather than mortality — damage or injury caused by stock leaving your land. It usually sits within the farm liability section and is worth confirming.
Related cover
Often arranged alongside this
Farm Insurance
A farm is a home, a business and a piece of industrial equipment on the same title. One policy is written to hold all three.
Read moreCrop Insurance
Crop cover runs on federal deadlines. Miss the sales closing date and the season is uninsured, whatever the weather does next.
Read moreFarm Equipment Insurance
Modern agricultural machinery costs more than most of the buildings it sits beside. It should be insured accordingly.
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