The health insurance, if that's how you calssify it is rolled into the liability but is only on purchased cows, born and raised cows only have liability. It's kind of a herd deal, if we add or delete cows it doeasn't change the 12 bucks a year that it costs. Maybe when we don;t have any purchased cows left we drop it. Now all I have to do is quit falling for the pretty faces so I'll stop buying heifers.
dun
> we keep liability insurance (not
> for us for others)......if a cow
> gets out & a car hits it or if
> someone is on your place &
> gets hurt by a cow (hired help
> policy is different).
> as for life insurance on the cows,
> no we do not have that. sometimes
> when we purchase bulls at sales we
> will get coverage for the drive
> home which usually runs a while
> after they get arrive. unless i
> had a really expensive animal
> (& depends on your situation
> what you classify as expensive---a
> breeder we know lost a 100,000
> bull which i'm pretty sure was
> insured), i wouldn't insure it.
> kind of like car insurance....once
> the value is less than your
> premium, do you keep full coverage
> or just liability? just my
> opinion. everyone's operation is
> different.
[email protected]