Cattle Farm Insurance: Key Coverages Every Rancher Needs
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 hours ago
- 2 min read
Operating a cattle farm, whether cow‑calf, feeder, back grounding, seed stock, or mixed livestock, comes with unique risks that general farm insurance simply doesn’t address. Weather, equipment breakdowns, livestock illness, fencing failures, and public liability exposure can quickly threaten your operation. The right cattle farm insurance protects your herd, property, equipment, and income.
Before requesting a cattle farm insurance quote, here are the essential coverages every rancher should carry.
1) Livestock Coverage (Basic, Broad, or Mortality)
Livestock is the backbone of your operation. Coverage can include:
Basic Perils – fire, lightning, windstorm, transport accidents
Broad Form – attacks by wild animals, electrocution, collision, drowning
Full Mortality – death from accident, sickness, or disease (optional)
High‑value bulls, show cattle, or seed stock often require scheduled livestock policies for precise protection and valuation.
This protects you if livestock injures someone or causes damage to another property. Examples include:
Cattle breaking through a fence and causing auto accidents
Visitors injured in handling facilities
Property damage caused by livestock or equipment
Liability coverage is essential when your operation interacts with suppliers, neighbours, or the public.
3) Farm Property Coverage (Barns, Sheds, Chutes, Corrals)
Your structures are exposed to wind, fire, storms, snow load, and equipment impact. Farm property insurance covers:
Barns and loafing sheds
Working pens and chute systems
Feed storage units
Hay barns
Miles of fencing
Replacement cost valuation prevents major out‑of‑pocket losses after a storm or structural failure.
4) Equipment & Machinery Coverage (Inland Marine)
Modern cattle operations rely on:
Tractors & loaders
Feed mixers
Side‑by‑sides
Water systems
Hay equipment
Inland Marine coverage protects mobile equipment on the farm and in transit.
Some farms choose PRF policies to help protect against rainfall shortages or drought‑related forage loss. While not a replacement for standard insurance, PRF can complement your primary coverage.
6) Commercial Auto & Farm Trucks
Ranch trucks and livestock trailers are essential for hauling feed, cattle, and equipment. Commercial Auto protects your vehicles, drivers, and trailers from collision, liability, and uninsured motorists.
7) Workers' Compensation (If You Employ Ranch Hands)
Working with cattle poses risk of injury. Workers’ comp protects both your employees and your operation from medical and wage‑loss costs.
Get the Right Coverage for Your Cattle Farm
Not all insurance companies understand livestock valuation, fencing systems, weather risks, or large‑animal handling exposures. Wexford Insurance partners with top‑rated carriers that specialise in cattle farm insurance, helping ranchers secure the right limits, deductibles, and coverages tailored to their operation.
👉 Request your Cattle Farm Insurance quote from Wexford Insurance today and ensure your herd, equipment, and land are fully protected.
