| Animal
Mortality Coverage
Coverage available for valuable animals, including cattle, club
calves, horses, 4H or FFA animals. This term insurance for
your livestock will pay the agreed value of your animal if it dies
from any accidental or natural cause. Includes Emergency Colic
Surgery Expense at no additional charge on horses. It even pays this
benefit if your animal is stolen. |
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Limited Animal
Mortality Coverage This
coverage protects you against loss as a result of a variety of
perils, including: fire, lightning, windstorm, hail, theft,
collision and upset while in transit, accidental shooting, and
drowning. Plus, we’ll pay the agreed value of the animal if
death was caused by one of the perils listed on the policy.
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Animal Mortality Coverage Options |
| Option |
What It Covers |
Coverage amounts |
| Major Medical
Endorsement |
Helps control
veterinarian fees for unforeseen events covering:
• Reasonable and customary medical and surgical expenses of a
licensed veterinarian necessitated by an accident, injury, illness
or disease. |
$5,000 or $7,500
coverage per animal
$250 deductible per claim |
| Surgical Endorsement |
Covers the cost involved
in lifesaving surgery for insured animals, including:
• Reasonable and customary charges for surgical treatment required
by accident, injury, illness or disease
• Up to 50% of the surgical fees for related expenses. |
$5,000 coverage per
animal. Certain exclusions apply, including castration and necropsy. |
| Loss of Use Endorsement |
Protects the insured’s
investment in animals that are no longer able to fulfill their
functions, yet do not need to be destroyed for humane reasons. |
• Up to 60% of the
insured value for horses
• Up to 75% of the insured value for cattle |
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Livestock Cargo Coverage
If you transport feeder, stocker or
slaughter livestock, stop to take a closer look at livestock transit
coverage from The Hartford’s International Agribusiness Group (IAG).
You’ll feel better hitting the road just knowing your precious cargo and
your financial well-being are well protected.
Broad Array of Coverage
- Fire and Lightning
- Explosion
- Smoke (excluding exhaust fumes or
agricultural smudging)
- Windstorm or Hail (excluding heat,
cold or change in temperature and ice other than hail)
- Stranding or Sinking of Waterborne
Vessels (while transporting covered vehicle)
- Upset or Overturn of Transporting
Vehicle
- Collision of Transporting Vehicle
(excluding contact with roadbed, curbing, rails or ties of railway,
or stationary object while backing up for loading/unloading)
- Riot
- Vandalism
- Earth Movement
- Flood
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Livestock Cargo Coverage Options |
|
Option |
What it Covers /
Provides |
Coverage Amounts |
| Load Refusal Endorsement |
Pays the shipper if the
entire load is refused |
Up to the value of the
invoice |
| Theft Coverage Extension |
Reimburses the shipper if
all of the livestock being transported are stolen |
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| Flexible
Premium Options |
Enables the agent to tailor
the premium schedule to meet each insured’s cash flow
situation, since payments may be made:
- Monthly
- Quarterly
- Semi-Annually
- Annually
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| Debris Removal Coverage |
Pays to remove
dead animals. |
Up to $2500 |
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Feedlot Cattle Insurance
True Peace of Mind
Protection
A true livestock producer doesn’t
consider their cattle as "contents."
So why should their insurance?
Our coverages specifically protect
valuable livestock for an array of perils, including:
- Fire and Lightning/Smoke
- Windstorm, Hurricane,
Cyclone and/or Tornado
- Hail
- Explosion, Riots or Riot
Attending Strike, Civil Commotion
- Falling Aircraft and Objects
Falling from Aircraft
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- Collapse of Bridges or
Culverts
- Accidental Shooting (except
by the insured, livestock owner or their employees)
- Drowning / Electrocution
- Attack by Wild Dogs
- Building Collapse
- Collision with a Vehicle
- Smothering
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Features That Put You
Out Front
We offer the flexibility
you need to tailor a program that fits each insured’s situation
- Easily accommodates both feedlot and
pasture cattle - on a single policy
- Pays for losses at current market
value – at time of loss
- Provides annual or monthly reporting
- Offers flexible deductibles
- Covers extensions available for
contaminated feed and measles
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Hartford Feedlot Cattle Coverage Options |
|
Option |
What It Covers /
Provides |
Special Notes |
| Contaminated
Feed |
Provides
coverage for animal deaths caused by consumption of tainted
feedstuffs |
Separate
deductibles and loss procedures apply to this endorsement |
| Coverage in
Transit |
Fills coverage
gaps for operations requiring transportation of cattle from
one listed location to another |
Can be written
on a limited cause of loss or broad form |
| Freezing
Coverage for Feedlot Cattle |
Covers feedlot
cattle in the event of death due to freezing precipitation |
Separate
deductibles and loss procedures apply to this endorsement |
| Mortgage &
Stolen Liability Coverage |
Protects
insureds if they ever unknowingly buy or sell mortgaged or
stolen livestock |
Separate
deductibles and loss procedures apply to this endorsement |
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Exotic Animal Coverage With the
livestock industry changing from traditional cattle to alternative
livestock such as Elk, Bison, Llamas, Alpacas and more, we at The
Hartford have met this challenge head on.
Specialty Livestock
Offering both our
Limited Animal Mortality & Animal
Mortality. Coverage to protect your investment |
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Poultry and Hatchery Insurance
A true poultry producer doesn’t consider
their birds as "contents". So why should your insurance? Our
coverages specifically protect valuable poultry from an array of perils,
including:
- Power Interruption and Mechanical
Breakdown with back-up system
- Power interruption with alarm system
Warranty
- Loss of egg income
- Loss of income from meat birds
Features That Put You Ahead of the Rest
We offer the flexibility to tailor a
program to fit each situation.
- Poultry and Turkey Valuation
schedules allow to value different types and ages of birds
differently - all on one policy.
- Easily adapted for market operations
- Monthly reporting basis
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Option |
What It
Covers/Provides |
Special Notes |
| Agreed Valuation Endorsement |
Values poultry using a
simple and accurate formula based on the age they're
normally marketed |
Different values for
different types of poultry, e.g. chicken versus turkey |
| Power Interruption &
Mechanical Breakdown |
Provides coverage in the
event power is interrupted at or away from the listed
location |
For Laying operations, you
must have an automatic start-up generator and an adequate
functioning alarm system. |
| Loss of Income Protection |
Provides coverage for the
loss of egg income and the loss of income from meat birds |
You choose the limit per
Bird. |
| Coverage in Transportation |
Fills coverage gaps for
operations requiring transportation of poultry or the eggs
from one listed location to another provided the vehicle is
owned by the policy holder |
Coverage is NOT for the
customers who are in the business of hauling poultry |
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Swine Confinement Coverage
Coverage that Fattens Up
Your Protection
The Hartford’s Swine Confinement
Insurance protects your valuable livestock from a wide range of perils,
including:
- Fire, Lightning, Smoke
- Windstorm, Hurricane, Cyclone, Hail,
& Tornado
- Building Collapse
- Collision with Vehicle
- Attack by wild Dogs
- Electrocution
- Explosion, Riots or Riot Attending
Strike, Civil Commotion
- Falling From Aircraft and Objects
Falling from Aircrafts
Ample Opportunity to
Customize Your Plan
With The Harford you can customize a
program that suits your needs with:
- Swine Valuation schedules that allow
you to value different types and sizes of hogs differently – all on
one convenient policy.
- Annual or monthly reports that
accommodate your needs
- Flexible deductibles to fit your
operation’s cash flow
- Annual or monthly reports that
accommodate your needs
- Flexible deductibles to fit your
operation’s cash flow
Additional Coverage
Available
- Power Interruption Endorsement
- Mechanical Breakdown Endorsement
- Loss of Income & Expense Endorsement
- Reproductive Impairment Endorsement
- Swine Producers Insurance Coverage
Enhancement
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