Defined events
Fire, lightning, electrocution and accidental death as set out in the wording.
Livestock Insurance
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Livestock Insurance
Cover for commercial herds, flocks and stud animals.
Livestock cover in Australia generally responds to defined events rather than to any loss, so what is and is not a covered event is the whole conversation.
What is it?
Livestock cover spans commercial cattle, sheep and pigs against events such as fire, lightning and accidental death, plus higher-value stud and bloodstock animals which are usually insured individually with wider terms.
What does livestock insurance cover?
Stock in transit
Animals being carried to saleyards, processors or between properties.
Stud and bloodstock
Individually scheduled high-value animals, often with broader mortality terms.
What affects the cost?
- Species and numbers
- Commercial versus stud value
- Transit frequency
- Paddock and yard infrastructure
- Veterinary and husbandry records
Worth raising on the call
- Disease and general mortality are usually outside commercial livestock cover.
- Stud animals need individual scheduling and often valuations.
- Transit is a separate section from on-farm cover.
Claims we are commonly asked about
Stock crate rolls in transit
A stock crate rolls on a wet bend and animals are killed or have to be destroyed at the scene. Whether this responds generally depends on whether a transit section was arranged and on whether the carrier's own liability cover answers first, which is why the carriage terms matter as much as the policy.
Lightning strike on a mob
Lightning strikes a fence line or a tree during a storm and kills a number of animals camped nearby. Lightning is commonly listed as a defined event, so the claim usually focuses on establishing the cause, the count and the values rather than on whether the peril is covered.
Scheduled stud bull destroyed
A scheduled stud bull breaks a leg fighting in the paddock and is destroyed on veterinary advice. Individually scheduled animals commonly carry wider mortality terms than the commercial herd, and claims usually require the veterinary certificate and the valuation that was on file before the loss.
Worth confirming in the wording
- Worth confirming how theft and unexplained disappearance are treated and what evidence would be required, since proving a loss across large country is difficult and cover is commonly limited.
- Worth confirming how deaths around calving, lambing, husbandry procedures and disease are handled, because these are commonly outside a defined-events commercial livestock section.
- Worth confirming whether animals away from the insured property are covered, including at shows, on agistment, in saleyards, at feedlots and while in transit, since cover is often tied to nominated locations.
Common questions
Does livestock insurance cover death from disease?
Commercial livestock cover in Australia is generally built around defined events such as fire, lightning, electrocution and accidental death, so disease and general mortality are commonly outside it. Broader mortality terms are sometimes available for individually scheduled stud and bloodstock animals, subject to underwriting, veterinary history and the policy terms.
Do I need separate cover while stock are being transported?
Transit is generally a separate section from on-farm cover, and it is not safe to assume the carrier's liability policy makes you whole. Carriers commonly limit their liability under their carriage conditions, so it is worth confirming who carries the risk on each leg and arranging transit cover where the gap is material.
How are animals valued at claim time?
Commercial stock is usually settled on a market value basis at the time of loss, while stud and bloodstock animals are commonly individually scheduled with an agreed value supported by a purchase price or a valuation. Keeping schedules and NLIS records current is the practical difference between a straightforward claim and a contested one.
What does livestock insurance cost?
Pricing generally reflects the species and numbers, whether the animals are commercial or stud, the sums insured, how often stock are moved, the standard of paddock and yard infrastructure, veterinary and husbandry records and claims history. Individually scheduled high-value animals are rated quite differently from a commercial mob.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See farm insurance for the wider picture.
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General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.