Livestock Insurance

Two cows peering into camera at sunset

Peace of mind, for a wide range of exposures

Your livestock are a vital part of your agricultural business.  As such, you want to be confident they are properly insured against a variety of perils which can affect them, be it fire, lightning, electrocution, impact by vehicle, fatal injury off your premises (“straying” cover) or whilst in transit.

We understand the importance of making sure your cover for these animals is the right cover, and we have many years experience in providing livestock insurance solutions to smallholders and farmers.  Additionally, there are some important add-ons to consider, which we will be happy to discuss with you:

  • Sheep worrying – there continues to be a significant risk of sheep worrying. Uncontrolled dogs can cause significant damage to a flock in a very short period.
  • Theft – a problem in many areas, particularly due to recent increased values of livestock.
  • Full mortality (specified livestock) – any particularly valuable animals should be insured on a full mortality and loss of use basis.
  • Bulls fertility guarantee – if you are selling pedigree bulls cover can be provided for the vendors guarantee.
  • Working dogs – if the business has working dogs these should be specified on your insurance schedule, otherwise insurers will impose an upper value limit which may be inadequate.
  • Livestock belonging to third parties – any livestock on your premises that belong to someone else will not be covered unless specifically noted on your policy.
  • Livestock sum insured – this should represent the maximum value of livestock at risk.

Please note: Livestock insurance and liability for livestock is only available as part of a smallholder insurance package.

Who is the cover with?

Howden secures cover with AA-rated insurers with deep expertise in agricultural insurance. These insurers may be in local markets and the specialty markets of Lloyds of London in the UK. All the insurers we use are well respected, have extremely stable finances and will be viable long term. 

What happens in a claim?

Let us know the details and we will help you present your claim to the insurance company. 

Our claims advisory service is second to none. 

We're always here to help

To get in touch, please fill in the simple form below.

If you are an existing client of one of the businesses that has merged with Howden to form Howden UK & Ireland, please click below for contact details:

Aston Lark

If you are a client of heritage Aston Lark, please get in touch with your usual contact or click here to find your local office.


If you are a client of heritage A-Plan, and are aware of the branch you are insured through, please visit this contact page for branch contact details or if you are unsure or are looking for a new quotation for car, home or van insurance, please call 01993 894 700.

Bruce Stevenson

If you are a client of heritage Bruce Stevenson or are situated in Scotland, please call 0131 553 2293 to speak to a member of Howden Scotland.



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If your enquiry is urgent and you can’t find contact details for the specific team or office you need, please call us on 020 7623 3806.


What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:

-contacting your Howden Service Team
-calling Howden on 020 7623 3806
-using the enquiry form