Livestock Insurance in Kentucky

Livestock represent a significant investment and a critical part of farm operations. Livestock insurance helps protect against unexpected losses from accidents, injury, or other covered causes-providing financial stability when things don't go as planned. United Agency of Kentucky works with farm owners across Eastern Kentucky to build practical livestock coverage that fits how you operate.

Animals Commonly Covered

Coverage options vary by carrier and situation, but livestock insurance may be available for:


Cattle and beef herds


Dairy cattle


Poultry operations


Sheep and goats


Other scheduled farm animals

Policies are typically structured around individual animals or scheduled groups, depending on the operation size and type.

Common Causes of Loss

Livestock insurance is often designed to address losses from:

Black circle with a white checkmark inside.

Accidental injury

White check mark inside a black circle.

Certain illnesses or sickness (policy-dependent)

White check mark in a black circle.

Weather-related events

Black circle with white checkmark.

Fire or lightning

Black circle with white checkmark.

Transportation-related incidents (when properly endorsed)

Coverage details vary, so we'll walk through what's included-and what isn't-before you decide.

A man and a woman are standing next to each other and smiling.

Scheduling & Valuation Explained

Most livestock policies require animals to be scheduled or grouped with stated values. These values may be based on:

Black circle with white checkmark.

Purchase price

Black circle with white checkmark.

Market value

White check mark inside a black circle.

Breed and age

A black circle with a white checkmark inside.

Production purpose

We help ensure values are realistic and documented correctly so claims are handled smoothly if a loss occurs.

Building a Complete Farm Protection Plan

Livestock insurance often works best alongside:

Black circle with a white checkmark inside.

Farm liability insurance

A black circle with a white checkmark inside.

Farm property and barn coverage

Black circle with a white checkmark.

Equipment and machinery coverage

Black circle with white checkmark.

Transit and trailer exposures

We'll help coordinate policies so there aren't gaps between animal, property, and liability risks.

Built for Eastern Kentucky Operations

Many farms in this region operate with small-to-mid-sized herds, mixed-use acreage, and limited immediate access to veterinary services. Coverage planning takes into account rural response times, storage conditions, and real-world operating practices.

What Helps Us Quote Accurately

To prepare a livestock insurance quote, we may ask for:

Black circle with a white check mark.

Animal counts and types

White check mark in a black circle.

Estimated values or schedules

Black circle with a white checkmark inside, indicating approval or completion.

Purchase or sales records

Black circle with white checkmark.

Veterinary information (where applicable)

A black circle with a white checkmark.

Housing and fencing details

Don't worry-if you don't have everything organized, we'll help you through it.

Protect Your Livestock Investment

Tell us what you raise and how your operation works. We'll map coverage options that make sense for your farm.