Bull infertility insurance

Cattle production depends on the breeding stock. A good bull can be a major investment.

A sound, fertile bull will service the cows in a herd and help to provide a steady source of income for the rancher.

As in any business, accidents can happen. If the accident or sickness makes a bull permanently incapable of natural service or artificial insemination then the rancher is going to face financial consequences. The bull would have to be proven to be permanently infertile or impotent.

Bull infertility policies usually come in three levels. Each level increases coverage and costs more than the last. The three usual types of insurance offered include:

  • Accident only - this is a limited form of coverage and will not cover any claims caused directly or indirectly by any of the following items:
  1. Frostbite or Freezing
  2. Illness or Disease
  3. Reproductive disorders or abnormalities involving: scrotum, testis, epididymis, penis, ampulla, vesicular gland and prostate unless caused by an accidental injury.
  • Accident, Sickness & Disease - this wider form of coverage will not cover any claims directly or indirectly by any of the following events:
  1. Frostbite or Freezing
  2. Infection or veneral or semi-veneral character in or from the cows bred
  3. Hereditary or congenital conditions such as but not limited to:
        • Testicular hypoplasia
        • Penile deviations
        • Persistent penile frenulum
        • Short retractor penis muscle
  4. Faulty or substandard semen or semen production
  • Comprehensive - this is the widest form of coverage and it also includes the condition if the bull is deemed to be temporarily infertile or incapable of natural service or artificial insemination solely and directly from accidental injury sustained or illness, disease or abnormality first manifesting itself. If there is a payout for the temporary condition then the amount would be deducted if there was a further payout for a permanent condition. This widest form of coverage excludes the following claims directly or indirectly from these events:
  1. Infection or veneral or semi-veneral character in or from the cows bred
  2. Hereditary or congenital conditions such as but not limited to:
        • Testicular hypoplasia
        • Penile deviations
        • Persistent penile frenulum
        • Short retractor penis muscle


There are conditions that must be met when placing a claim for this type of insurance. Each company will have their own requirements but a sample set of conditions is available here.

Talk to your agent or broker about what is available to help protect your financial investment that you have or will make when purchasing a breeding bull for your herd. Take control of your insurance.

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