I have been calling around trying to find someone that will insure deer and other livestock while transporting them to make farmers both buyers and sellers feel at ease as i have heard of deer dieing in a trailer and the buyer or seller being out the money My ? is do any of you know who will do this Thanks in advance
Insurance while hauling?
- Thread starter daywoodwhitetails
- Start date
i have insurance on my deer and it covers them if you are in a wreck with the trailer and also covers them when your loaded and unloading of the deer.
Joined Apr 2009
519 Posts | 1+
Rivesville, WV
Nick, I'm not sure what the rules are in each individual state. but they are fairly stable nation wide when it refers to fault.
If at any time, the animals are injured or killed in an accident, they should be covered by the auto insurance carrier. Anything attached to or inside the vehicle is a part of that vehicle. As far as the accidental death issue, unless you have a seperate insurance coverage for a hauling business, it would be covered by your farm coverage. Truely when you are the one transporting the animals, you are the "owner". Howver, I don't know any carriers that offer a transport coverage, but that would be your best scenario.
Good Luck
If at any time, the animals are injured or killed in an accident, they should be covered by the auto insurance carrier. Anything attached to or inside the vehicle is a part of that vehicle. As far as the accidental death issue, unless you have a seperate insurance coverage for a hauling business, it would be covered by your farm coverage. Truely when you are the one transporting the animals, you are the "owner". Howver, I don't know any carriers that offer a transport coverage, but that would be your best scenario.
Good Luck
It is called cargo insurance your auto coverage does not cover anything you are towing for hire and if you get stopped by dot you better be able to produce it or they will impound your vehicle and whatever you are towing
Joined Apr 2009
524 Posts | 0+
Russell, MN
We came across this last fall. Our friend and us each had one buck on a hauler's trailer. His buck got killed from our buck busting thru the flimsy panels that they separated the bucks with. Both our friend and my husband made comments about the panels being inferior for hauling bucks in rut. Each of us got a check upon loading and the guy canceled our friends check on him. Trying to say that the buck only scored 143"....he was physically scored at 160 5/8" (with a soft tape) when he was darted and our friend has the score sheet. He was typical as typical can be...so no questioning this and that on a non typical. Sent the score sheet to the guy and he obviously doesn't know how to add because he still hasn't been paid up, saying now that the buck only scored 152 and says he's not responsible since the buck didn't score 160 like he wanted. He won't produce the antlers either. I have personally added up the scored sheet many times and come up with 160 5/8".
I have calls into several insurance agents about Cargo insurance as far Dot they will have to prove I am hauling for hire
Thanks Susan that is why i am trying to get this taken care of I have heard lots stories of people getting the short end of the stick and haulers that have no business hauling deer
Personally if they dont raise deer they probubly shouldn't haul them either just my opinion
have had deer delivered to me by people that dont raise deer and they did the job fine but why take the chance with someone that dont know anything about deer farming or have the setup to haul deer safely
Thanks Susan that is why i am trying to get this taken care of I have heard lots stories of people getting the short end of the stick and haulers that have no business hauling deer
Personally if they dont raise deer they probubly shouldn't haul them either just my opinion
have had deer delivered to me by people that dont raise deer and they did the job fine but why take the chance with someone that dont know anything about deer farming or have the setup to haul deer safely
Joined Apr 2009
524 Posts | 0+
Russell, MN
Yeah....well that is the kicker, he does raise deer (and has been hauling for years) and he called me to fill his trailer for a load down south. I only had one buck left and I called our friend to see if he wanted to get rid of his which was all based on "if" the deer score at least 160". He did...so the buck was loaded up. Talk about "trying to help a friend out" gone real wrong!
That sounds like alot of the stories ive been hearing And dont want anybody that i haul for to have to worry about a situation like that
Joined Apr 2009
524 Posts | 0+
Russell, MN
Just wanted to update everyone on the situation with our friend that got screwed out of money for his buck killed on the hauler's trailer. After taking to court, the judge ruled against our friend because the hauler had the buck scored from a "professional" scorer and the buck didn't score 160" or above. The buck got the holy hell beat out of him by another 5 year old buck (his buck was 3 yrs old) while on the hauler's trailer (and killed) and of course tines were broken all over the rack. This is from MN down to Louisiana, where they found the buck dead upon unloading. The buck didn't have a tine, tip or anything broken when he was loaded onto the trailer...and scored 160 5/8" when he was loaded. He doesn't even get the rack back after repeatedly asking for it to be sent to him since last October. So beware of who hauls for you. Use the good guys! If you want his name...pm me and I will give you his name so that it gets out in the industry. FYI....we had several pictures of him at the end of the growing season in velvet and cell phone pictures of him 2 days before he was loaded....all tines intact.
Hello all,
Archangel Specialty's insurance policies protect your animals is they die in a transportation accident. They also cover the animal if it dies as a result of disease (pneumonia, gastrointestinal, cancer, etc.), parasite, bacterial infection, anesthesia, accidental trauma, or if it is stolen. Here is a link to an overview of the program: [url]http://archangelspecialty.com/programs/wildlife-breeders/[/url] Note: we do exclude coverage for "government slaughter diseases" and malicious injury
Last week we launched this new product in the State of Wisconsin. We will be rolling it out in Texas, Pennsylvania, Minnesota, and Ohio over the course of the next month. If successful, we will expand into additional states.
We created this new product because our underwriter, while with her previous company, had received a lot of feedback from breeders such as yourself that felt that the marketplace was not offering adequate coverage for common causes of death. After a thorough research process, we believe we have developed the right policy and pricing that will allow us to serve the deer breeding industry for years to come. If you would like to learn about the coverage we offer, our toll free number is 1-800-575-9628. If you ask for information on the "Wildlife Breeders" program you will be transferred to our underwriter. I would also be more than happy to answer your questions on this forum.
Chris Whiddon
Archangel Specialty's insurance policies protect your animals is they die in a transportation accident. They also cover the animal if it dies as a result of disease (pneumonia, gastrointestinal, cancer, etc.), parasite, bacterial infection, anesthesia, accidental trauma, or if it is stolen. Here is a link to an overview of the program: [url]http://archangelspecialty.com/programs/wildlife-breeders/[/url] Note: we do exclude coverage for "government slaughter diseases" and malicious injury
Last week we launched this new product in the State of Wisconsin. We will be rolling it out in Texas, Pennsylvania, Minnesota, and Ohio over the course of the next month. If successful, we will expand into additional states.
We created this new product because our underwriter, while with her previous company, had received a lot of feedback from breeders such as yourself that felt that the marketplace was not offering adequate coverage for common causes of death. After a thorough research process, we believe we have developed the right policy and pricing that will allow us to serve the deer breeding industry for years to come. If you would like to learn about the coverage we offer, our toll free number is 1-800-575-9628. If you ask for information on the "Wildlife Breeders" program you will be transferred to our underwriter. I would also be more than happy to answer your questions on this forum.
Chris Whiddon