Livestock Insurance
The agriculture industry in Kenya contributes 26% of the country's GDP and employs 40% of the total population. Yet smallholder farmers face increasing challenges from climate change, with less than 1% currently protected by any form of insurance.
Birdview Micro Insurance provides comprehensive livestock insurance protecting against death of insured livestock from uncontrollable diseases, epidemics, fire, calving complications, emergency slaughter, and accidents. Available for Cattle (dairy cows, beef, breeding stock, heifers and calves above 90 days), sheep, and goats.
Livestock Insurance Solutions
What is Covered ✓
- Accidents – falling on the shed or gorge, electrocution
- Fire, resulting smoke and lightning, earthquakes
- Floods, drowning, windstorm, landslides
- Calving down complications
- Snake bites, tree frog poisoning, venomous insect attacks (bees)
- Theft (with police abstract & proof of forceful entry)
- Emergency slaughter upon advice by registered vet
- Uncontrollable diseases (Acute pneumonia, acute septicemia)
- Diseases of terminal nature (chronic cancer, rabies, lumpy jaw, tetanus)
What is NOT Covered ✗
- Diseases in first 30 days after cover inception
- Mysterious disappearance
- Pre-existing conditions before cover commencement
- Hereditary diseases
- Feed, fodder, silage poisoning or defective feeds
- Management related losses
- Intentional slaughter
- Willful misconduct, injury, neglect, unskilled treatment
- Famine, drought, malnutrition, dehydration
- Culling of animals
- Hygiene related mastitis
- Bloat related to feeding
- Sterility and unproductive animals
- Cattle rustling
- Nuclear pollution, war, terrorism
- Vet and medication expenses
Age Limit
3 months to 10 years
Premium Rate
3.5% of Total Sum Insured per farmer
Maximum Value
Ksh 200,000 per animal (higher value subject to insurer consultation)
Key Conditions
- Animals must be identified with ear-tags before policy commencement
- Photo of ear-tagged animal required for farms with less than 10 animals
- Voluntary farmers MUST insure whole herd - NO SELECTION
- Vaccinations against common diseases with good records
- Regular tick & worm control
- Security for animals at all times
- Salvage to be disposed to best advantage - amount belongs to Birdview
Herd Cover (100+ heads of cattle, goats or sheep in paddocks/ranching)
Premium Rate:
2.5% of total sum insured
Excess:
10% of loss (min Ksh 50,000)
Claim Trigger:
Loss of more than 2 heads from same cause within a month
Claims Process
Notification Requirements
- Notify insurer within 24 hours of loss (mail, telephone, or writing)
- Provide all claim documents within 14 days from date of loss
- Claims paid within 14 days of full documentation
Required Documents
- 3-5 clear whole carcass photos showing legible ear tag
- Post mortem report from qualified vet stating cause of loss
- Completed claim forms
- Sales receipt/agreement with butcher (for emergency slaughter)
Birdview's Proposal
- Bundling insurance with livestock loans at 3.5% of animal value
- Farmer training programs on product scope and claims process
- Staff training on product features, underwriting, and claims
- Serialized ear tags provided at commencement of cover
- Post mortems performed by Birdview-appointed veterinary surgeon
- Seamless service model - claims paid within 14 days
Protect Your Livestock Investment
Secure your dairy, poultry, or pig farming operation against diseases, accidents, and unpredictable losses. Get covered today and farm with confidence.