If you want to insure your livestock in Kenya,here is a list of insurance companies with the best products:

Old Mutual

What’s in it for you?

• The insured farm will have greater access to agriculture credit since the policy document will be accepted by financing institutions as an alternative form of security.
• You get to have greater access to livestock improvement loans.
• In the event of a loss of livestock brought through a finance facility, both the insured and the financing institution are protected since the insurer pays for the loss.

What is required for the application?

We will need the following from you:

• A current veterinary and valuation report from a registered veterinary surgeon
• Identification by ear tags, tattoos, or any other practical mode of identification
• Completed application form and payment of the premium

How is the premium charged?

• • Premium rates depend on livestock type and population, the years of experience and skilled manpower. This rate ranges between 4% and 9% on the sum insured. (Subject to a minimum premium of Kshs. (3000-5000 per farmer) depending on the entity of the livestock they have insured.
  • Veterinary and evaluation report act as a basis of determining sum insured

What’s not covered?

• The first 10% of loss for each and every loss
• The first 20% of the loss for theft
• Famine, malnutrition and feed poisoning
• Impotence and infertility
• Prior diseases and deformities
• Any death due to neglect and prior husbandry practices

How do I make a claim settlement?

• In the event of loss notify UAP Old Mutual Group or your agent immediately. Disposal of the carcass before a postmortem examination amounts to no loss
• In the event of theft, the insurance will require a period of 6 weeks to allow for recovery before the settlement of loss

Madison Insurance

Livestock Insurance

This Policy Covers

• Livestock Covered: Dairy cattle, Beef cattle, Security dogs, Sheep and Goats.
• Accidental death due to lightning, internal and external injury on location or in transit, fire, windstorm, snake bites, flooding.
• Diseases of terminal nature.
• Emergency slaughter on a Vets advice.
• Calving complications.
• Theft of Livestock.
• Epidemics.

What’s Needed

• A recent veterinary and valuation report from a registered veterinary surgeon
• Identification by ear tags, tattoos or a bolus served
• Completed application form and payment of the premium
• Age limits range between 90 days to 8 years for cattle, 60 days to 5 years for Goats & sheep and 90 days to 3 Years for security dogs.

Policy Benefits

• You’re now able to invest more in your livestock. This means, you’re free to expand your farm through investments in livestock production projects because they’ll be secured by us.
• Insured farmers have greater access to loans since a livestock policy document is accepted by financing institutions as an alternative form of security.
• In the event of loss when financed through a financial facility, both you and the institution won’t lose since we’ll be covering the cost.

What is not covered

• The first 10% of loss for each and every loss
• The first 20% of the loss for theft
• Famine, malnutrition and feed poisoning
• Impotence and infertility
• Prior diseases and deformities
• Any death due to neglect and poor husbandry practices

Policy Premiums

• Premium rates depend on livestock type and population; this is subject to minimum premium of KSHS. 5,000 per animal
• Veterinary report act as a basis of determining sum insured.

APA Insurance

LIVESTOCK INSURANCE

Your livestock is your source of income and guaranteeing their safety should bring you ultimate happiness.

Under our livestock policy we cover:

1.) Single Animal Cover

This offers a cover for high value animals (dairy or beef) losses/death as a result of; accidents, illness and disease, epidemics, emergency slaughter and calving risks. It can be extended to cover; Transit risks, Theft cover as well as Loss of income benefit.

Features:
The basis of cover value is as pre-agreed with the farmer and health status certified by qualified veterinary doctor/officer. All covered animals must be tagged or bolus served. Age limits are 90 days to 10 years for cattle and 60 days to 5 years for shoats.
Benefits:
Easy claim process, assured stability, loan collateral, affordable, improved financial management and peace in knowing there is a safety net for unexpected loss and associated costs

2.) Bloodstock/Horse Insurance

Our bloodstock product covers mortality of the insured racing or polo horse as a result of accidents and medical expenses as a result of accidental injuries.
Features:
The cover can be extended to cover transit risk as well as theft. The basis of cover value is as pre-agreed with the owner and health status certified by qualified veterinary doctor/officer.
Benefits:
Easy claim process, assured stability, loan collateral, affordable, improved financial management and peace in knowing there is a safety net for unexpected loss and associated costs

Our main products include:

1. Single Animal Cover
2. Bloodstock/Horse Insurance

The cover provides the following features. This include:

1. The basis of cover value is as pre-agreed with the farmer and health status certified by qualified veterinary doctor/officer. All covered animals must be tagged or bolus served. Age limits are 90 days to 10 years for cattle and 60 days to 5 years for shoats.
2. The cover is given to Broilers of 0 days to 8 weeks and Layers of 0 days to 1½ years. This cover Indemnifies on the insured’s bird’s death due to; uncontrollable diseases and Accidents. The cover can be extended to cover Transit Risk as well as Theft. Threshold for the cover is a Minimum premium of 5,000 Kenya shillings. The policy covers the maximum capacity of birds that a farmer’s structure can hold.
3. The cover can be extended to cover; Treatment and medical expenses, Third party liability, Theft, Recovery and straying expenses. Cover age limits is 8weeks to 8 years.
4. The cover can be extended to cover; Treatment and medical expenses, Third party liability, Theft, Recovery and straying expenses. Cover age limits is 8weeks to 8 years.
5. The cover can be extended to cover transit risk as well as theft. The basis of cover value is as pre-agreed with the owner and health status certified by qualified veterinary doctor/officer.

The benefit include:

1. Easy claim process, assured stability, loan collateral, affordable, improved financial management and peace in knowing there is a safety net for unexpected loss and associated costs.

If you are interested in learning how much this insurance product would cost you, or if you are interested in purchasing this insurance product, please click Get Cover.

If you would like further assistance explanation or assistance about this insurance product, please click I Need Assistance.

Download forms will give you access to any relevant documents for this insurance product, such as the claim form, proposal form etc.

Cooperative Bank

Livestock Insurance

This policy covers farmers against loss/death of livestock as a result of the following:

• Accidental death due to lightening, floods, snakebites, windstorms
• Diseases of terminal nature
• Emergency slaughter on veterinary advice
• Forceful theft either in paddock or zero grazing units
• Transit risk within a radius of 250kms
• Calving complication
• Loss as a result of epidemics

NB: Loss of milk income for dairy cows and goats for a maximum of 10 litres per day for dairy cows and 4 liters for dairy goats

What is covered?

• Cattle
• Horses
• Pigs
• Rabbits
• Sheep

What do you need to get cover?

• Completely filled proposal form
• Premium payment
• Current veterinary and valuation report from the local veterinary officer

What are the ages covered?

• Cattle, sheep, and goats below 10 years
• Cattle that are older than 90 days
• Sheep, goats, and pigs older than 60 days
• Horses that are below 25 years but older than 3 months

What is the claim process under agriculture?

• Completely filled claim form
• Police abstract in the event of theft of livestock or poultry
• Vet claim form in the event of poultry

Equity Bank

Bima ya Mifugo

With the Bima ya Mifugo cover, you can provide protection against loss arising from the death of specified livestock due to unavoidable or uncontrollable circumstances.

This policy covers dairy & beef cattle, poultry, piggery, goats, sheep, horses and any other livestock of economic value. The coverage is based on a veterinary valuation report.

How to get started

1. Go to the form availed below to sign up.
2. Fill in your details.
3. Submit the details. A representative from our team will give you a call.

Features

Features of the Bima ya Mifugo Cover
1.	Accident	Accidental death from lightning
2.	Injury	Internal/external injury
3.	Fire	Fire
4.	Storm	Windstorm
5.	Dangerous attacks	Snake bites and flooding
6.	Natural Calamities	Diseases of terminal nature
7.	Emergencies	Emergency Slaughter
8.	Theft	Theft by use of force when in paddock or under zero grazing
9.	Epidermis	Epidemics occurring prior to government declaration
10.	Cultivation	Calving/ farrowing complications
11.	Risks	Transit risks within a radius of 250 Kms

Family Bank

Livestock Insurance

Livestock is part of your wealth, thus it is important to insure your animals against death, theft/loss, or illness.

We offer a cutting-edge policy that safeguards your animals against the mentioned perils and guarantees that you can continue reaping benefits for your livestock without having to worry about unforeseen danger.

Benefits

Accidental death, lightning strikes, injury, flooding, snake bites, feed poisoning, etc.

• Terminal diseases
• Emergency slaughter
• Theft
• Calving complications
• Epidemics
• Transit risks

CIC Insurance

Livestock Insurance

POLICY LIMITS

The policy Limits range from ksh 300,000 to ksh 5,000,000 and comes in six packages.

• Dairy, beef and breeding stock from 3 months up to 8 years of age
• Bulls from 3 months up to 8 years of ageIts key benefits include;
• Premiums are paid once in a year.
• The higher the number of animals, the better the rate.

Sumac Microfinance Bank

Livestock Insurance cover

Your livestock is your source of income and guaranteeing their safety should bring you ultimate happiness.

We at Sumac Insurance Agency Limited understand that you value your Livestock and they form part your income generating activities.

We will cover;

• Your Cattle; Dairy and beef, from – 3 months to 10 years.
• Sheep and goats, from – 2 months to 7 years.
• Pigs, from – 2 months to 7 years.

What is covered?

We will pay you as the owner of the animal should the animal die in any of the following circumstances;

• Accidents: lightening, internal and external injuries, windstorm, snake bite, electrocution or flooding
• Illness or disease: any animal illness or disease
• Epidemic: Widespread outbreak of an infectious disease affecting many animals at the same time in a region
• Emergency slaughter on advice of qualified veterinary surgeon following an accident, illness or disease
• Calving, farrowing and kidding complications leading to death of insured animalTop of FormBottom of Form

Geminia Insurance

Livestock Insurance

What is Livestock Insurance ?

This insurance covers provides indemnity in respect to the Insured’s livestock during the period of Insurance due to death as a result of

• Accidents
• Illness and disease of terminal nature.
• Epidemics (except those arising from Rift Valley Fever and Foot and Mouth after notification)
• Emergency slaughter on the advice of a qualified veterinary surgeon.

The livestock cover can be extended to cover theft of animals, transit risks, calving/furrowing risks

What is the basis of claims settlement?

• The policy covering insured animal(s) must be in force.
• Provision of Veterinary certificate of loss.
• Provision of a written post-mortem report from a qualified veterinary surgeon

What is not covered?

• Transit risks of insured livestock in the event that Geminia Insurance is not informed 3 days prior to the transportation.
• Losses arise from feed or spray poisoning.
• Death of animals arising from pre-existing conditions.
• The inability of the insured animal to perform the tasks for which it is employed for.
• Treatment and vaccination costs.
• Theft of animals in areas prone to cattle rustling and banditry actions.
• Unaccounted disappearance.

What are the requirements of the cover?

• Duly completed proposal form
• Copy of ID & PIN certificate
• Veterinary Certificate of Health completed by a qualified veterinary officer
• Good animal husbandry

How do I sign up for this cover?

• You can visit any of our branches countrywide
• Speak to your agent or brokers
• Call us on 020-2782000
• Email: agriculture@geminia.co.ke

What is covered

The livestock insurance policy covers

• cows
• sheep
• goats
• pigs
• horses