Professional insurance for breeders, owner of a herd
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Breeding: insurance to take out to protect your livestock
As a farm operator, there are several steps you need to take to protect your livestock. And yes, since all of your farm animals represent your most important resource, it is your duty to protect them from various risks.
Unfortunately, farm insurance is not enough to guarantee the loss of your herd. It only covers your buildings, the crops stored in these buildings, your home and your civil liability. What insurance to take out to guarantee your flock and your animals? Follow the leader !
Farm insurance
The farm insurance contract allows you to protect yourself against disasters and climatic hazards. For farmers, wine growers, grain farmers and breeders, this guarantee is essential, because it covers damage to your farm building, your equipment and your crops. It also covers your civil liability as a professional.
On the other hand, it does not take care of the protection of your livestock. As a reminder, article 1385 of the Civil Code stipulates that "any owner of an animal, or the one who uses it, while it is in its use, is responsible for the damage the animal has caused, either that the 'animal was in its care, whether it was lost or escaped'. Thus, as a farmer, it is your civil liability that is fully engaged.
It is more precisely the civil liability for the acts of animals. It will be up to you to repair any damage caused by your farm animals. Finally, to cover your livestock, you must also take out other insurance contracts.
The multi-risk agricultural operation
Multi-risk farm insurance has the advantage of combining most of the useful guarantees in a single contract. In addition to covering damage to your entire operation, your buildings for agricultural or residential use, their content whether it is furniture or agricultural equipment, your goods, your crops and your animals . In the event of fire, explosion, lightning strike, storm, hail, heavy snow on roofs, water damage, theft, broken glass, natural disaster, attack and act of terrorism, this insurance provides coverage for damage.
What is more, the multi-risk agricultural operation also guarantees your responsibilities. By taking out this insurance contract, you automatically cover your general professional liability and your private life. This is a solid insurance contract, which covers damage to farm buildings, damage to the environment, accidents caused by a herd, mortality of livestock, damage to equipment and damage to harvests. In the event of excess mortality in your herd, it is this insurance that will compensate you.
In addition, it should be noted that certain multi-risk farm contracts offer solid guarantees against livestock mortality, for cattle farms, pig farms, horse farms and poultry farms. The covers are offered according to your type of farming and compensation is paid, regardless of the cause of death, for example an accident, illness or malice. The value and use of your elite cattle are also taken into account when taking out the insurance contract.
What about livestock insurance?
In principle, livestock insurance is included in the multi-risk farm business, but it can also be taken out separately. This guarantee extends to your flock and breeding accidents. Thus, the risks of accident, illness, fire and death from electrocution are covered by this insurance. Compensation is commensurate with the value of your herd. Your insurer will also offer you specific guarantees according to your needs, such as loss of income guarantee and death risk insurance.
The loss of income guarantee applies in the event of the death of your animals. It covers the costs of relocating animals after a fire as well as the loss of gross margin caused by the absence
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