Whether your livestock braves harsh winter storms or faces constant rain and muck, SFP can be completely customized to your operation’s unique risks.
SFP can protect against livestock electrocution, accidental drowning, miring, attack by dogs or wild animals, flood, accidental dispersal of toxic substances, loading and unloading, with optional coverage for suffocation or freezing.
Residences and Household Contents
Buildings and Building Contents
Farm Personal Property (Including Livestock)
Scheduled Personal Property Valuables
Personal, Farm, and Business Liability
*Note all coverages are subject to policy limits. See your policy for limits and details
Personal and Commercial Auto
Personal, Commercial and Farm Umbrella
Tools and Equipment
Equipment Breakdown
Farm Cyber**
Workers' Compensation**
**Not available in all states
Many of our agents grew up on farms, and all of them are supported by product, underwriting and risk services team members with agricultural backgrounds.
SFP provides coverage if death occurs by the specific perils covered under the policy. If your operation includes high value livestock such as bulls used for breeding, you may want to consider a broader Animal Mortality Policy with major medical coverage. Animal mortality policies extend coverage to far more causes of loss, including disease, sickness, and major medical issues.
Most animal mortality policies also offer optional coverage for loss or expense related to reproductive procedures and some medical procedures. Your American National agent is here to assist with procuring this type of coverage through brokerage for your operation.
The right insurance solution is one that is designed for your unique operation and protects against your specific weather, theft, and accident risks.
If you are just starting out in the ranching business, you can’t afford to replace your herd if they are stolen, or your farm is in an area prone to extreme weather hazards, insuring the entire herd or flock is a great tool to protect your operation.
But if your type of livestock is relatively inexpensive to replace, you have funds set aside for these costs, and you take extra care against theft, you may decide that insuring your entire herd isn’t the best use of premium dollars. In these cases, ranchers may choose to only insure certain high-value animals like bulls or show cattle.
Whether you decide to insure some or all of your herd or flock, keep in mind that livestock is a commodity with pricing fluctuations. Connect with your agent every six to 12 months to assess whether your coverage is still adequate.
Our Lessor’s Risk Policy provides tailored coverage for land, building, and/or equipment owners who lease their property for grazing operations.
While it is true that many farms and ranches aren’t required to carry Workers’ Compensation, this coverage is beneficial to your operation due to the accident-prone nature of working with livestock. It can be a positive differentiator for labor recruitment and retention, protect against expensive lawsuits, and provide greater long-term financial stability.
American National is a group of companies writing a broad array of insurance products and services and operating in all 50 states. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas. Life insurance, annuities, pension products, and other products and services are written through multiple companies. Property and casualty insurance is written through American National Property And Casualty Company, headquartered in Springfield, Missouri, and affiliates. In New York, business is written through United Farm Family Insurance Company and American National Life Insurance Company of New York, Glenmont, New York or Argonaut Insurance Company, headquartered in Chicago, Illinois. Not all products and services are available in all states. Not all companies are licensed in all states. Each company has financial responsibility only for the products and services it issues.
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