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Livestock Mortality Cover

Financial protection if your animals die from accidental causes, disease, or specified weather events.

FMGAonGallagherNZIGerrards

What Does Livestock Mortality Cover Cover?

Livestock mortality cover is the foundation of any farm insurance programme. It pays out the agreed or market value of your animals when they die from covered causes including accidents, illness, disease, weather events, fire, and electrocution. FMG, Aon, and Gallagher all offer mortality cover with varying levels of specification — individually specified animals attract broader cover than blanket herd policies.

Key Benefits & What's Included

Accidental death coverage
Disease and illness mortality
Weather event deaths (fire, flood, storm)
Electrocution cover
Post-shearing sheep exposure
Disposal cost reimbursement up to $2,500
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Who Needs This Cover?

Any farmer with valuable livestock — dairy farmers, sheep and beef farmers, deer farmers, and stud breeders especially benefit from specified animal cover.

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Typical Cost

From $80/year for blanket cover to 1–3% of animal value for specified cover

Exact pricing depends on livestock type, numbers, value, and location. Our advisers provide free exact quotes.

Providers Offering Livestock Mortality Cover

FMGAonGallagherNZIGerrards

Coverage terms, limits, and exclusions vary significantly between providers. Our licensed rural advisers compare all options for your specific farm and livestock type.

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