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Livestock in Transit Insurance
A dedicated transit cover option for livestock movements across Australia, available to rma network Members and their clients. It is designed to support vendors, buyers and livestock producers where Animals are moved between properties, saleyards and buyers.
Why livestock transit cover matters
Livestock movements sit at the point where responsibility can shift between vendor, buyer and carrier. An accident, a loading incident or a delivery that does not arrive can create a loss well before anyone has agreed who carries the risk. Livestock in Transit Insurance is arranged to respond to certain accidental losses during transport, and is arranged through NTI.
The NTI Marine Livestock Transit Insurance Policy uses plain-language wording and includes a range of commonly requested extra covers. For eligible transits it provides cover with a NIL excess, which can make the claims process clearer when Animals are injured or lost during transport. Cover is subject to the policy wording, limits and exclusions.
Excess
NIL
Excess on eligible transits
Per Animal
$20,000
Per Animal (stud livestock)
Conveyance
$250,000
Any one conveyance
What is covered?
Livestock may be covered for accidental loss during transit, including:
Commercial stud livestock up to $20,000 per Animal
Death, physical injury or slaughter for humane reasons
Loss due to an uncontrollable (berserk) Animal
Theft, pilferage and non-delivery
Loading and unloading
Escape following an accident
What are the extra covers?
Following a claim, cover may also be extended to include:
- Cost of agisting injured Animals back to pre-loss condition, or agreed depreciation if sold as injured Livestock
- Cost of mustering your Livestock up to 25% of the Sum Insured involved
- Clean-up and disposal costs up to $50,000
- Costs paid by you to avoid or minimise any further loss
Extra covers, limits and sublimits are subject to the policy wording arranged.
What type of Livestock can be insured?
Providing your Animals are in a good state of health and fit for transport, this insurance covers most types of Livestock up to a maximum limit any one conveyance of $250,000.
Higher-value breeding animals sold at auction or by private treaty may be better suited to Stud Stock Insurance, which can sit alongside transit cover.
What is not covered?
The following are excluded from cover. Refer to the policy wording for full terms, conditions and exclusions.
Bloodstock, being Thoroughbred (pedigree) horses bred and kept for racing or breeding for racing
Loss of market or consequential loss
Failure to pass tests or examinations, inoculation and its after effects
Slaughter due to infectious disease at government or authority direction
Loss of fetus
Loss of use of any description
Shortage or disappearance discovered during periodic stock take
Cost of fumigation and quarantine
When should cover be reviewed?
Transit cover should be looked at whenever the Animals, the values or the movement arrangements change. Review triggers include:
- Moving higher-value stud or breeding animals
- A change in the carriers or transport arrangements used
- Longer journeys, interstate movements or multiple loading points
- A change in the value or number of Animals carried on any one conveyance
- New sale, agistment or delivery arrangements after a saleyard or on-property sale
- Any uncertainty about who carries the risk between vendor and buyer
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Frequently asked questions
Who can Livestock in Transit Insurance suit?
It is generally arranged for vendors, buyers, livestock producers and rma network Member businesses arranging or coordinating livestock movements across Australia.
Whether it is appropriate depends on who carries the risk during transit and the terms of the sale, so it is worth confirming this before the Animals are loaded.
What types of Livestock can be insured?
Providing the Animals are in a good state of health and fit for transport, most types of Livestock can be considered, up to a maximum limit any one conveyance of $250,000.
Eligibility, limits and terms are set by the insurer and are subject to the policy wording.
When should cover be arranged?
Cover should be considered before the Animals are loaded, rather than after a movement has started. Where a sale, agistment or delivery arrangement changes who bears the risk in transit, it is worth confirming the position with RMA Insurance Brokers first.
Review your livestock transit cover
Contact RMA Insurance Brokers to review how livestock movements are covered for your business or your clients, before the next load leaves.
RMA Insurance Brokers is an insurance broker, not an insurer. Information published here is general in nature and does not take into account your individual objectives, financial situation or needs. Cover is subject to insurer terms, the policy wording, limits and exclusions, and to insurer acceptance. Review the relevant policy documentation before making a decision.