Livestock Hauling Insurance
Insurance for cattle pot trailers and livestock haulers moving cattle, hogs, and other animals.
Overview
Hauling livestock is one of the most demanding jobs in agricultural trucking. Cattle, hogs, sheep, and other animals are live cargo with specific handling, temperature, and timing requirements. An accident does not just damage a trailer — it can kill a $200,000 load of feeder cattle. Delays in summer heat or winter cold create mortality risk even without a wreck. Your insurance must cover the full picture.
Livestock hauling insurance programs include auto liability, physical damage, motor truck cargo with live animal coverage, and workers compensation. Cargo coverage for livestock must account for mortality risk from accidents, heat stress, and transit delays. Many feedlots and packing plants require specific coverage minimums before they allow your trucks on their property.
Livestock Hauling Insurance Video
Trailer Types We Insure
Trailer type affects rating, cargo exposure, and underwriting. Tell us what you run and we will build the policy around your actual equipment.
Coverages Available
Auto Liability
Required coverage for bodily injury and property damage caused by your trucks on the road.
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Physical Damage
Protects your trucks and trailers against collision, rollover, theft, and weather damage.
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Motor Truck Cargo
Covers the agricultural commodities you haul if damaged, spoiled, or lost in transit.
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Workers Compensation
Covers medical bills and lost wages for employees injured on the job.
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Occupational Accident
Injury and disability coverage for owner-operators and independent contractors.
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Commercial Property
Protects your shop, office, warehouse, and equipment from fire, storms, and theft.
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Pollution Liability
Covers cleanup costs and damages from fuel spills or chemical releases during transport.
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Cyber Insurance
Covers data breaches, ransomware attacks, and business interruption from cyber events.
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Captive Insurance
Self-insurance structure for larger fleets that want more control over premiums and claims.
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Life Insurance
Income protection for your family if something happens to you on the road or at home.
Learn more →Frequently Asked Questions
How is livestock cargo insurance different from other cargo coverage?
Livestock is alive and perishable. Cargo insurance for livestock must cover mortality from accidents, heat stress, suffocation, and transit delays. Standard cargo policies for dry goods do not cover live animal risks. You need a policy written specifically for livestock.
What happens if livestock die during transport?
If livestock die during transport due to a covered event like an accident or mechanical breakdown, your cargo insurance pays the shipper for the value of the animals. Without cargo coverage, you are personally liable for the full loss, which can be tens of thousands of dollars per load.
Do livestock haulers need higher liability limits?
Livestock haulers typically carry $1 million in auto liability. Some feedlots and packing plants require higher limits in their shipper contracts. If you are hauling across state lines, federal minimum requirements apply as well.
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