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Poultry meat is one of the most popular foods in the USA. Americans have eaten 122.75 pounds of poultry in 2021, particularly chicken, turkey, and geese.
Though a poultry business has potential, it faces risks that fish farms worry about. Consider having poultry insurance for this will cover financial losses and extra expenses when the unexpected happens.
In this guide, learn which policies are included, the cost of premiums, and the best companies.
Similar to horse farms and dairy farms, the operations might involve third parties such as independent contractors, delivery personnel, and others.
Your poultry farm is liable for any bodily injury or property damage resulting from its day-to-day operations.
General liability insurance takes care of expenses if third parties hold your business liable for bodily injury or property damage. Specifically, this type of poultry farm insurance will cover:
Product liability insurance is automatically included in the language of general liability insurance. The product liability coverage of general liability insurance takes care of these expenses:
| CoverWallet | Hiscox | Specialty Risk | Americana | |
| Per occurrence limit | $1,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $1,000,000 | $100,000 | $5,000 | $5,000 |
| Waiver of subrogation included? | Yes | Excluded | Included | Included |
| Hired/non-owned auto liability coverage included? | Yes | Excluded | Excluded | Excluded |
| Equipment breakdown floater included? | No | Excluded | Yes | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 |
SCommercial Property Insurance For Poultry Farms
A poultry farm is a business that requires a lot of structural investments. you’ll need different buildings where eggs are hatched, chickens are fed, and finished poultry products prepared to be shipped.
Weather and fires can damage or destroy your poultry farm’s buildings. Consider getting commercial property insurance to ensure the continuity of your business.
commercial property insurance cover the reconstruction or repair of the buildings that get damaged or destroyed because of:
Commercial property insurance also extends to the valuable items found within the premises of your poultry farm. Examples of things that this chicken house insurance also covers are:
Poultry farm insurance programs allow you to fuse general liability and commercial property insurance into a single insurance product.
The result is a business owner’s policy. It grants protection against your legal liability for bodily injuries or property damage as well as the resulting financial losses when business property gets damaged or destroyed.
Most insurance companies offer this to chicken farms that have less than 100 employees and an annual revenue of $1 million.
| CoverWallet (Best) | Americana | Hiscox | Specialty Risk | |
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $100,000 | $25,000 | $100,000 |
| Optional policies can be added? | Yes | You need to talk with an agent | Yes | You need to talk with an agent |
| Name additional insureds for free? | Yes | You need to talk with an agent | Yes | You need to talk with an agent |
Buying tools and equipment insurance is another method of insuring the valuable machines that are integral in the operations of your poultry farm.
Tools and equipment insurance will help you cover repair or replacement expenses if the incubators, hatchers, power generators, and other machinery sustain damage, get destroyed, or break down because of:
Use the table to compare the tools and equipment insurance of companies we recommend for poultry farm businesses.
| Specialty Risk | Americana | Hiscox (Best) | |
| Aggregate limit | $25,000/$50,000 | $15,000/$25,000 | $5,000/$25,000 |
| Covers hired and borrowed equipment? | You need to talk with an agent | You need to talk with an agent | No |
| Miscellaneous equipment also covered? | You need to talk with an agent | You need to talk with an agent | No |
| Offered as an endorsement to general liability insurance? | No | No | Yes |
| Deductible | $500 | $500 | $0 |
Chicken and other fowls produce waste. This is why waste disposal is one of your poultry farm’s most pressing activities. Errors in waste management can happen. For example, the facility where you’re storing the waste can leak.
Affected third parties and businesses can sue if your poultry farm is liable for pollution that results in environmental damage. This is why it’s important to get pollution liability insurance.
Get all the best quotes from leading providers in a click of a button!
Commercial Auto Insurance For Poultry Farms
You need commercial auto insurance if your poultry farm uses a, cargo van, to deliver poultry products to retailers, and transport equipment.
Commercial auto insurance grants protection in case something happens to your commercial vehicle while it’s running on the road. This insurance has a lot of functions. The bullets below quickly discuss each:
Fires don’t only threaten your business’s tangible properties. Chicken and other fowls you’re raising are susceptible too. If left unchecked, barn fires or wildfires can kill a massive number of your produce.
Livestock insurance will reimburse the estimated value of chickens and other fowls in your poultry farm that died because of fires, disease, drowning, accidental shooting, transportation upset, and other causes beyond your control.
Can you insurance chickens? Yes, poultry insurance policies, such as livestock insurance, cover chickens against risks like fire, disease, and transportation accidents.
Cargo insurance will compensate the market value of chicken and other produce that die or gets damaged during transit because of:
Though machines are there to mitigate the need for labor, you’ll still need people to run things around.
Workers’ compensation insurance is a quick solution to your problems in case a part-time or full-time employee sustains a work-related injury or disease. This poultry farm insurance will provide the funds you can used to cover:
The average poultry farm insurance cost is $80 per month or $960 per year for a $1 million general liability insurance.
It’s important to note that several factors determine the cost of premiums. The most significant ones are
| Cost per Month | Cost per Year | Deductible | |
| General liability insurance | $80 | $960 | $0-$500 |
| Pollution liability insurance | $105 | $1,260 | $1,000-$5,000 |
| Umbrella liability insurance | $85 | $1,020 | $500-$1,000 |
| Commercial property insurance | $90 | $1,080 | $1,000-$2,500 |
| Business owner’s policy | $150 | $1,800 | $500-$1,000 |
| Commercial auto insurance | $88 | $1,056 | $1,000-$1,500 |
| Workers compensation insurance | $110 | $1,320 | $2,000-$5,000 |
| Livestock insurance | $176.33 | $2,115.96 | $1,000-$5,000 |
CoverWallet is an insurance broker that can find the poultry farm insurance quotes from numerous companies on your behalf. Aside from giving you the insurance packages available, this company also allows you to compare coverage options so that you get the best bang for your buck.
Average cost: $50 per month
Get all the best quotes from leading providers in a click of a button!
Hiscox offers coverage through its partner, Insureon. Hiscox will ask you to get an online quote from its partner’s website or call a representative. You can also call a Hiscox agent to help find a related business insurance package that can work for your poultry farm business.
Average cost: $55 per month
Americana Insurance Group offers comprehensive insurance cover for poultry farm businesses.
It has tailored insurance that protects your poultry farm business against several liabilities. It offers a unique policy that covers damage to third parties, environmental pollution, and other highly problematic exposures.
Average cost: $70 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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