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 farm 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.
Poultry Farm Liability Insurance
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:
- Medical treatments
- Reimbursement for property damage
- Attorney fees and other related defense costs
- Court judgments
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:
- Extra labor for product recall
- Public relations
- Defense costs if retailers, who received your poultry products, file a lawsuit
| 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:
- Fire
- Theft
- Vandalism
- Lightning
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:
- Chicken feeding machines
- Hatchers
- Incubators
- Power generators
- Egg transfer machines
- Valuable papers and records
Business Owner’s Policy For Poultry Farms
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 |
Tools And Equipment Insurance For Poultry Farms
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:
- Fire
- Theft
- Vandalism
- Malicious mischief
- Mechanical breakdown
- Electrical surge
- Electrical shorts
- Water
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 |
Pollution Liability Insurance For Poultry Farms
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:
- If your commercial vehicle causes an accident, commercial auto insurance will cover the medical treatment of the injured third parties
- If your commercial vehicle gets involved in an accident caused by an uninsured/underinsured vehicle, commercial auto insurance will cover the medical treatment of the driver and passengers
Livestock Insurance For Poultry Farms
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.
Cargo Insurance For Poultry Farms
Cargo insurance will compensate the market value of chicken and other produce that die or gets damaged during transit because of:
- Fire
- Theft
- Vandalism
- Negligence
- Vehicular accidents
Workers Compensation Insurance For Poultry Farms
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:
- EMT services
- Hospitalization
- Medication
- Rehabilitation and retraining
- Lost wages
- Funeral expenses and allowance to dependents in case of death
Help others make better decisions
Poultry Farm Insurance Cost
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
- claims history, business history
- policy limits, and deductibles
- annual revenue
- number of employees.
| 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 |
Best Poultry House Insurance Companies
CoverWallet
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
Our rating: 10/10
Pros
- Compare chicken farm insurance quotes online
- Cancel a coverage anytime
- Easily add an unlimited number of additional insureds
- Seamless policy management
Cons
- Not an insurance company but an insurance broker
Get all the best quotes from leading providers in a click of a button!
Hiscox
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
Our rating: 10/10
Pros
- Worldwide coverage
- 14-day money-back guarantee
- Automatic policy renewal
- Has a proven track record of insuring businesses
Cons
- You will be referred to a partner for getting covered online
Americana
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
Our rating: 7/10
Pros
- Tailored insurance cover for poultry farms
- It is affordable
- Fast claims responsiveness
Cons
- Not available in some states
