1. Blanket Herd & Scheduled Livestock Coverage (Specified Perils)
Covers your beef or dairy cattle, calves, bulls, horses, sheep, and goats on a per-head and total herd limit against specified perils including fire, wildfire/range fire, lightning, windstorm, hail, building collapse, vandalism, and collision with vehicles.
Real-world example: If a fast-moving summer range fire or lightning strike on open pasture kills 35 cow-calf pairs, your Blanket Herd coverage pays up to your scheduled per-head limit.
2. Winter Weather, Blizzard, Freezing, Smothering & Drowning Perils
In northern and mountain ranching states, spring calving blizzards, extreme windchill, drifting snow smothering, and stock-pond ice breakthroughs are major herd risks. We add Broad Form / Winter Perils and Drowning endorsements so your herd is covered when severe weather hits.
Real-world example: If an unseasonable spring blizzard causes cattle to drift into a draw and smother or break through ice on a frozen stock pond, Winter Perils & Drowning coverage responds.
3. Livestock in Transit & Pasture-to-Pasture Hauling Cargo
Moving cattle or horses between winter ground, summer forest allotments, and the sale barn exposes your livestock to stock-trailer rollovers, highway collisions, and bridge/culvert failures. Livestock Transit coverage protects your animals while being loaded, hauled, and unloaded.
Real-world example: If a semi bull-rack or gooseneck stock trailer overturns on the highway while hauling feeder calves to market, Livestock Cargo/Transit covers the animals lost in the wreck.
4. Full Animal Mortality & Major Medical (Bulls, Stallions & Performance Horses)
While herd coverage handles external weather and fire perils, Full Animal Mortality works like a life insurance policy for high-value registered bulls, donor cows, stallions, and performance/rodeo horses — covering death from illness, colic, disease, accident, or humane destruction, with optional Major Medical/Surgical.
Real-world example: If a $25,000 registered herd bull or barrel horse suffers an acute life-threatening injury or colic requiring emergency surgery or humane euthanasia, Animal Mortality covers the loss.
5. Accidentally Shooting, Wild Dog/Predator Attack & Contaminated Feed/Water
Broad-form farm livestock endorsements can also cover accidental shooting by hunters on or near your range, attacks by wild dogs, electrocution from downed lines or faulty water tank heaters, and sudden poisoning from contaminated feed.
Real-world example: If a shorted stock-tank heater electrifies a metal watering trough and kills four steers, Broad Form Livestock perils cover the claim.
6. Care, Custody & Control (CCC) — Boarding, Training & Custom Grazing
When you take in someone else's horses for boarding/training or custom-graze/background another rancher's cattle on your pasture or feedlot, standard farm liability excludes animals in your Care, Custody & Control. We add Bailee / Care, Custody & Control liability to protect you.
Real-world example: If a client's horse boarded at your arena is injured due to an alleged gate or stall issue, Care, Custody & Control liability defends your facility and covers your legal liability.
