In this episode of the Horns N Hooves podcast, we dive into the complex world of livestock and ranch insurance with special guest Jake Tollman from the Hartford Agency. From protecting high-value Highland cattle to understanding the nuances of agritourism liability,

Jake breaks down how to safeguard your farm from "freak things" that can and do happen. Whether you are hauling a prize bull or hosting visitors on your property, this conversation covers the essential coverage every modern rancher needs.

Key Takeaways

Ranchers should understand the difference between blanket policies and scheduled individual coverage for high-value animals.

Liability is a major factor when animals are in transport or participating in public events like petting zoos. Specialized mortality insurance is vital for protecting large investments in boutique cattle breeds.

Episode Highlights

Jake explains why a simple waiver might not fully protect you from liability if a spectator is injured on your ranch.

We discuss the "mysterious disappearance" clause and why finding a carcass is often necessary for a successful insurance claim.

The team also explores "short-term" insurance options for animals purchased at auction.

Timestamps

05:15 Understanding general liability for ranch visitors

12:30 The reality of waivers and participant risk

22:45 Insuring high-value Highland cattle and "boutique" breeds

35:10 Blanket vs. scheduled livestock coverage

48:20 Claims for lightning strikes and predators

55:00 Final tips for getting the right coverage

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Production Credit: Edited and produced by @the32collective_ / https://www.the32collective.co/