Copeland Insurance


Livestock mortality insurance helps you prepare for the worst.

Secure insurance for lost income and replacement expenses through livestock mortality coverage.

What does livestock mortality insurance cover?

Livestock mortality insurance typically covers the premature death of insured animals due to non-natural causes such as accidents, injuries, illnesses, diseases, disabilities, or severe weather events. Specific coverage details vary by policy, but generally, this insurance acts similarly to a business loss policy. It reimburses for the cost of replacing the animal and compensates for lost income during the period between the loss and replacement. It’s important to review exclusions, as natural causes of death are typically not covered.

What additional coverage options are available?

When choosing a livestock mortality insurance policy, you can often add specific peril coverage options tailored to the risks relevant to your animals and environment. These may include protection against extreme weather events, fire, vehicular accidents, theft, accidental shootings, attacks by wild animals, and structural collapses. Customizing your coverage ensures it aligns closely with the needs of your operation.

Livestock mortality insurance can cover a wide range of animals, including dairy cows, chickens, sheep, goats, hogs, pigs, horses, alpacas, emus, and even zoo animals.

What factors determine the cost of livestock mortality insurance?

The price of livestock mortality insurance can vary based on several key factors. Firstly, whether you’re insuring a single cow or an entire herd of cattle significantly affects the premium due to the number of animals covered. Additionally, the type of animal being insured plays a crucial role, especially in terms of its replaceability and market value. Factors such as the animal’s health conditions and age also influence the cost. Ultimately, having insurance coverage can be pivotal in mitigating financial risks associated with replacement costs and potential revenue loss.

Can you provide real-world examples of risks and solutions covered by this insurance?

Every industry faces unique risks, underscoring the importance of tailored insurance coverage. For instance, if a dairy farm loses a prime cow, would they have the means to replace it without insurance? Similarly, how would a zoo recover if one of its main attractions, like a lion, died unexpectedly? Consider also a business that trains service dogs—how would they manage the loss of a highly trained dog? These scenarios highlight the critical need for livestock mortality insurance across businesses reliant on animals for revenue.

Which livestock operations benefit most from this coverage?

Livestock mortality insurance is beneficial for a wide range of businesses that depend on animals. Traditional farming operations covering cows, pigs, sheep, chickens, and goats find essential protection in this policy. Zoos requiring coverage for exotic and rare species and breeders safeguarding valuable animals like purebreds and seed stock cattle also benefit significantly. Whatever your business entails, investing in livestock mortality insurance is a crucial step to protect your investment and maintain revenue stability.

Interested in learning more about securing coverage for your animals or livestock?

Contact us today for comprehensive details on livestock mortality insurance tailored to your specific needs.

Livestock mortality insurance provides essential preparation for unforeseen losses.

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