Livestock Insurance

We at HFIA Understand that you value your Livestock ad they form part your income generating activities, We will cover your Cattle; Dairy and beef from– 3 months to 10 years, Sheep and goats from– 2 months to 7 years, Pigs from– 2 months to 7 years.


What is covered?

We will pay you as the owner of the animal should the animal die in any of the following circumstances;

  • Accidents: lightening, internal and external injuries, windstorm, snake bite, electrocution or flooding
  • Illness or disease: any animal illness or disease
  • Epidemic: Widespread outbreak of an infectious disease affecting many animals at the same time in a region
  • Emergency slaughter on advice of qualified veterinary surgeon following an accident, illness or disease
  • Calving, farrowing and kidding complications leading to death of insured animal


Livestock covered

We will cover your cattle;

  • Dairy and beef from– 3 months to 10 years
  • Sheep and goats from– 2 months to 7 years
  • Pigs from– 2 months to 7 years of economic value



  • The policy is issued annually
  • Insured value is as per veterinary’s certificate
  • The cover is affordable and convenient 
  • Easily accessible at HFC wide branch network
  • Premium is payable upfront 
  • Minimum premium per policy is Kes. 2,000
  • Simple application process
  • Reliable claims service
  • Claim settled at Insured value less Excess and Salvage value


Basis of valuation

Coverage is based on the veterinary valuation price which is agreed prior to going on cover.



  • Submit duly completed application form
  • Premium payment
  • Current veterinary and valuation report from local livestock officer
  • Identification tags, tracking device or tattoo for all insured livestock
  • Cattle below 10 years of age
  • Filled proposal form


What is not covered

1. Death/Loss of livestock due to;

  • Diseases in the first 30 days after cover inception
  • Pre-existing condition
  • Mysterious disappearances
  • Drought, malnutrition and dehydration

2. Vaccination, treatment and postmortem costs

3. Inability of the animals to perform the tasks for which they are employed for

4. Death of animals outside the limits of the situation of risks as stated in the schedule

5. Losses arising from feed or spray poisoning

6. All losses caused by mismanagement including malnutrition, dehydration, drought, famine, diseases that must be vaccinated against

7. Animal shows and exhibitions


How To File A Claim

  1. Claim form to be filled by the insured.
  2. Veterinary certificate of loss.
  3. Photos of the dead Animal and ear tag photo clearly showing the Ear tag no of the dead animal.
  4. Postmortem report of the dead animal.
  5. Sale agreement with the buyer, in case the insured has been sold as a salvage as advised by the vet officer.