Covers your livestock, including alpacas, cattle, deer, goats, llamas, pigs, and sheep. 

What we cover

The FMG Livestock policy automatically includes these covers and benefits.

Livestock in the open air are covered for accidental death from fire, electrocution, lightning, impact, stock worrying, explosion, smoke inhalation, hail, earthquake, flood, or objects falling from an aircraft.  

Livestock housed in a building are covered for accidental death or theft.  

Livestock individually specified on your policy are covered for accidental death if the vehicle they’re being transported in is involved in an accident. 

Livestock individually specified on your policy are covered for death due to poisoning, as long as it wasn’t intentionally done by you or anyone else responsible for the care or control of the animal. 

Specified livestock can be individually noted on your policy and are covered for theft and death due to accident, injury, disease, illness, or humane destruction. Age limits and different levels of cover apply to specified livestock.

Deer individually specified on your policy are covered for death or theft. They’re also covered for accidental escape if this happens after someone has forced entry onto or off your property, or if fences or gates have been damaged by bad weather or impact. 

Up to $2,500 cover for the reasonable cost to remove and dispose of your animals after they die following a fire or any other loss insured under this policy. 

Specified bulls are insured for accidental death resulting from dehorning, provided the procedure complied with animal welfare requirements. 

Up to $500 for veterinary costs you incur to prevent the death of your livestock, whether they die or not. 


Optional extras

You can purchase this Optional Benefit for even more comprehensive insurance.

Specified stags are covered for accidental death as a result of hard antler or velvet removal, provided the procedure complies with animal welfare requirements.

Cover for specified bulls, rams, stags, stallions and machos if they need to be put down because they’ve become permanently infertile or incapable of reproduction. This must be due to an accident, disease or illness. 

Sheep are covered for accidental death due to weather exposure during the 14 days after shearing, provided death was caused by exposure to rain or low temperatures, or smothering as a result of exposure. We will pay the fair market value of your sheep up to $20,000 for any one event.

What we pay

Your livestock, specified livestock and poultry are all covered for fair market value, up to the amount shown on your certificate.

Fair market value is the price, immediately before the loss, at which ownership of the animal would change hands between a willing buyer and seller, neither being under compulsion and both having reasonable knowledge of the relevant facts.

Download policy

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wordings using the links below, or you can get a free copy by calling us on 0800 366 466.