As a cattle rancher, you understand that unique liability risks are a part of working with animals. You may face these risks if:
- An animal causes an accident on a roadway (our most frequent livestock liability claim)
- An animal reacts unpredictably and someone is injured
- Ranch structures
- You face allegations of animal cruelty
Get the protection you need with AgriChoice®, a tailored cattle farm insurance policy that combines various coverages into one convenient package.
What an AgriChoice cattle ranch insurance policy covers
We start with a base policy to protect what most cattle ranches require.1
- Farm home and contents
- Detached garages and other buildings
- Farm and ranch structures
- Personal property
- Machinery and equipment
- General liability protection
Then, we offer a variety of optional coverages to tailor your policy to the exact needs of your farm or ranch. That way, you only pay for the protection you need. Not for coverages you don’t.
Optional AgriChoice coverages for cattle ranches
Cattle insurance for your herd
Animals covered by cattle liability insurance may be protected against several additional categories of loss. If you choose not to insure your cattle, AgriChoice still provides you with coverage if they’re struck by a motor vehicle, train or accidentally shot. At no additional cost, this coverage provides protection up to $500 per head. Higher limits are also available.
Coverage for your hay
AgriChoice provides coverage up to $100,000 per stack of hay.
Liability protection for unwarranted animal cruelty allegations
Legal defense against animal cruelty charges may result in sizable attorney fees. AgriChoice provides coverage up to endorsement limits to reimburse attorney fees for lawsuits in which you’re found not guilty.
Pollution liability coverage
Farmers and ranchers are potentially exposed to liability for pollution from a variety of farm operations, including:
- Overspray or misapplication of chemicals
- Damage from tanks (on premise) that causes damage off premise
- Off-premises liability from transportation
You may also be liable for government-ordered clean up costs, both on and off your premises. Discuss your state's pollution coverage with your agent.
For your home, contents and farm structures, you can select the level of coverage that's right for your operation. For equipment, livestock and other personal property used in your operation, your insurance policy will define your coverage based on which causes of loss apply.
The availability of products and discounts varies by state. Products are subject to deductibles, exclusions and conditions.