It is not uncommon for livestock to be found wandering outside of their fenced pasture and onto a public road. It happens and unfortunately sometimes motorists can come into contact with the livestock, causing injury to the livestock, the motorist, and the motorists vehicle. This is why it is so important that ranchers ensure they have the proper livestock coverage. Livestock liability is the most important to protect the rancher in the event that they are liable for damage being caused to someone else. But what about the damage that has been done to the rancher and his way of living? Property coverage can be just an important to indemnify the policyholder. After all that is what Ranch Insurance is for.
Here are 3 other coverage’s that are important to consider, especially for a small premium:
- Accidental Death – coverage for loss by death resulting from a hunting accident, collision with a train, or collision with a vehicle on a public road
- Care, Custody, and Control – coverage for livestock that you do not own but is in your care, custody or control.
- Livestock Suffocation – extends coverage to cover death by suffocation resulting from ventilation failure or change in temperature caused by electrical or mechanical breakdown of the ventilation system.
If more coverage is needed, like health insurance for the livestock, Livestock Mortality Insurance is available as well.
Find out what is best for your ranching operations!
Author: Colbie McRae
In February of 2015, I started insureCAL Insurance Agency from scratch. Now in our 2nd year, we will have 5 licensed agents and an awesome partnership with a number of great insurance carriers. insureCAL’s main focus is the agriculture industry, it’s what all of us grew up knowing and loving.