Prime "All Risks" Coverage
This renewable, non-guaranteed term life policy provides prime coverage for livestock at a reasonable price. If covered livestock dies from virtually any accidental or natural cause (subject to a few exclusions listed in the policy), clients receive the policy's term insurance benefit. This comprehensive coverage pays even if the covered livestock is stolen.
Quality Coverage
Unlike many other livestock policies, The Hartford's coverage delivers policy extras that make this a superior insurance product. For example, if your clients' animals are sick or injured when the policy comes up for renewal, the animals will still be protected. We'll automatically extend coverage for 30 days following the policy expiration - as long as the animal's sickness or injury was previously reported to The Hartford. And, if the animal dies within the same timeframe, The Hartford will honor the claim.
Livestock Mortality Coverage
Agreed Value
• Provides coverage on livestock animals at a value determined before policy is issued.
• Assurance that The Hartford will pay the full value agreed to upfront.
Emergency Colic Surgery
• Covers 80% of cost, up to $2,500 for emergency colic surgery on horses.
• Peace of mind this common ailment will be covered.
Options
Surgical Endorsement
• Cover the cost involved in lifesaving surgery for insured animals, including: reasonable and customary charges for surgical treatment required by accident, injury, illness or disease and up to 50% of the surgical fees for related expenses
• $5,000 coverage per animal. Certain exclusions apply, including castration and necropsy.
Major Medical Endorsement
• Helps control veterinarian fees for unforeseen events by coverage reasonable and customary charges for medical treatment required by accident, injury, illness, or disease.
• $5,000 coverage per animal annual ($250 deductible per claim).
Loss of Use
• Protect your clients' investments in animals that are no longer able to fulfill their functions, yet do not need to be destroyed for humane reasons.
• 60% of the insured value for horses.
• 75% of the insured value for cattle.
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