Livestock insurance

The ideal protection plan for animals and livestock

Livestock insurance is an important form of financial protection for livestock farm owners and animal lovers. Whether you run a large farm or just own a few animals, this insurance provides peace of mind in the event of unforeseen circumstances.

Why is livestock insurance important?

Raising animals requires dedication, but even the best care can’t prevent all risks from happening. Illnesses, injuries and accidents can jeopardize your production and lead to significant financial losses. With DDOR’s livestock insurance, make sure you’re getting the best protection which allows you to continue your work even in difficult situations.

Who is livestock insurance for?

Large farms: livestock farmers who keep a large number of animals and want to protect their farms.
Small farms and individual owners: individuals who want to protect their livestock, regardless of their production volume.

Key benefits:

Financial protection: we cover losses caused by diseases or accidents.
Flexibility: choose an insurance package tailored to your specific needs – Farm Ekonomik, Optimum or Premium insurance against basic perils; choose riders or insure your livestock against specific risks (e.g. risks during birth).
Comprehensive cover: the insurance applies not only to all types of livestock, including breeding, fattening and young animals, but also to certain wild animal species.

What risks does the insurance cover?

Insure your animals against:

basic risk which includes death, forced slaughter or euthanasia due to illness or accidents;
additional risks relating to loss of reproductive capacity in male breeding animals;
birth-related risks (loss of calves, foals);
loss of reproductive capacity of heifers or cows;
specific riders such as insurance of livestock in quarantine during importation, livestock insurance in exhibitions, castration or ovariotomy.

Risk-free livestock farming thanks to safety and protection of animal health

Raising animals requires extensive knowledge and dedication, but also protection against unforeseen risks that could jeopardize your production. Livestock insurance offers you security and financial support in the event of illness, injury or accidents so that you can concentrate on expanding your farm.

This type of protection is not only cost-effective, but also a practical way to ensure stability, regardless of the challenges of day-to-day livestock production. Because we know that the safety of your animals means the safety of your future, DDOR osiguranje provides reliable coverage for protecting your livestock production.

Our insurance covers a wide range of animals

We offer insurance cover for different types of animals, providing security for farm owners and even some wild animals. DDOR’s livestock insurance covers a wide range of animals, from farm animals to exotic species, offering protection in the event of accidents, illness, damage to or loss of animals. This provides peace of mind and stability in both your business and daily life.

Farm animals

Cattle

Sheep

Goats

Horses

Pigs

Poultry

Wild animals

Camels

Llamas

Lions

Snakes

Wolves

Bears

* Our insurance of wild animals covers exotic and other animals both inside and outside zoos. This means that all animals typically found in zoos can be insured.

What is not covered by livestock insurance?

Livestock insurance does not cover:

animals that are already sick or are suspected of being sick;
exhausted, crippled, blind animals or animals in poor physical condition;
animals kept under poor hygienic conditions;
animals that are not tagged or that cannot be identified.

Useful information

The sum insured is determined per animal and represents the insurer’s maximum liability. It is calculated on the basis of the weight of the animal and the price per kilo or the total value of the animal. For fattening animals, the insurance premium can be reduced if the fattening period is shorter than nine months.

FAQ

How is the value of an insured animal determined?

The value of an insured animal is based on its market price at the time the insurance contract is concluded and cannot exceed the actual market value of the animal. Young animals are insured according to the value they are expected to reach by the end of the insurance period. The insurer may set limits of sums insured depending on the type and category of animal.
Which insurance premium payment options are available?

The method of premium payment is agreed when the livestock insurance contract is concluded. Depending on the method selected, premium can be paid monthly, quarterly, semi-annually or in advance. Policyholders may also receive a discount depending on the payment method selected.
Are there any exclusions from insurance cover?

Sick animals or animals suspected of being sick cannot be insured. Only healthy animals can be insured. In addition, losses caused by improper feeding, poor husbandry conditions, delayed treatment or surgical interventions by unqualified individuals are not covered. The full list of exclusions is available in the Insurance Terms and Conditions.

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