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Livestock Insurance

Let us help you find the perfect insurance policy to cover you and your livestock.

Howden Rural Livestock Insurance

Why choose Howden for Livestock Insurance?

We, as an insurance broker which specialises in both rural and business insurance, pride ourselves on doing the heavy lifting for our clients, so they don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing various livestock insurance policies, on your behalf, simple and easy. What’s not to like?

Here at Howden, we recognise that each livestock policy needs to be as individual as its owner and their rural business, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your insurance cover.

Whether you need to make a claim, purchase a new livestock or rural business policy, or renew an existing one, just know that we’re here to help.

Benefits of working with Howden:

  • You can trust us – we’re rated Excellent on Trustpilot
  • We’re driven to save you time, money, and hassle
  • Benefit from a tailored service that comparison sites can’t provide
  • Speak with your a specialist rural advisor
  • We’re right by your side in the event of a claim

Livestock Insurance with Howden

Your livestock are a vital part of your agricultural business.  As such, you want to be confident they are properly insured against a variety of perils which can affect them, be it fire, lightning, electrocution, impact by vehicle, fatal injury off your premises (“straying” cover) or whilst in transit.

Here at Howden, we understand the importance of making sure your cover for these animals is the right cover and we have many years of experience in providing livestock insurance solutions to smallholders and farmers.  Additionally, there are some important add-ons to consider which we will be happy to discuss with you:

  • Sheep worrying – there continues to be a significant risk of sheep worrying. Uncontrolled dogs can cause significant damage to a flock in a very short period.
  • Theft – a problem in many areas, particularly due to recent increased values of livestock.
  • Full mortality (specified livestock) – any particularly valuable animals should be insured on a full mortality and loss of use basis.
  • Bulls fertility guarantee – if you are selling pedigree bulls cover can be provided for the vendors guarantee.
  • Working dogs – if the business has working dogs these should be specified on your insurance schedule otherwise insurers will impose an upper value limit which may be inadequate.
  • Livestock belonging to third parties – any livestock on your premises that belong to someone else will not be covered unless specifically noted on your policy.
  • Livestock sum insured – this should represent the maximum value of livestock at risk.

Please note: Livestock insurance and liability for livestock is only available as part of a smallholder insurance package.


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Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.

Specialist insurance products used to cover all aspects of rural businesses

Rural businesses come in all shapes and sizes, each needing bespoke insurance policies which suit their particular needs. Explore our range of rural insurance products and learn more about how they could protect your business.

We help insure smallholdings as well as large farms

Our specialist smallholding insurance aims to help cover the associated risks of your activity and protect any livestock, crops, property, people, and any income generated.

All your farm vehicles under the same business policy

We support rural businesses by helping them find comprehensive, yet flexible, insurance cover plans which can protect each of their farm vehicles, sometimes under the same policy.