38 Nebraska Cattleman October 2023 1/4 Horizontal Nebraska Cattleman Full Color Eisenmenger Farms, Inc. August 2023 “Big yard features, small yard attention.” Eisenmenger Farms, Inc. Joe Eisenmenger, General Manager ▪ Cell: (402) 920-0665 Customer Relations & Cattle Procurement John Eisenmenger, Yard Manager ▪ Cell: (402) 920-1933 ▪ 9,000 head capacity ▪ Within 100 miles of six packers – three of them major ▪ Within 60 miles of four ethanol plants ▪ Grain banking capabilities of corn ▪ Feed financing capabilities 26708 385th St. ▪ Humphrey, NE 68642 ▪ Phone: (402) 923-0401 ▪ Fax: (402) 923-0404 Eisenmenger Farms, Inc. NCIG By Jim Olafson FNIC First Vice President Livestock Hauling Risks We've all been there: driving down the road, glancing over at the trailer next to us and seeing cows on the move. Yet, we've also read articles about unfortunate incidents where these cattle find themselves on the road after an accident like a recent one in Omaha, where a semi transporting 80 cattle overturned on an Interstate 680 ramp, resulting in the death of some of the cattle and hours of traffic delays. As an insurance agent, these accidents remind me of the risks associated with transporting livestock, but also bring to mind the insurance coverages and risk management services available to safeguard against these occurrences. Livestock Hauling Risks From transporting cattle to markets, shows and events to moving them to processing facilities or pasture areas, the world of livestock hauling presents unique challenges and risks. Accidents, injuries and losses can occur during transit, ranging from unexpected incidents on the road to health concerns for the animals being transported. For those in the industry, ensuring the safety of the cargo is paramount. Whether cattle are being transported over long distances or short journeys, the risks are real. Hauling Livestock: A Unique Endeavor Hauling livestock goes beyond the ordinary. Live animals have distinct needs – behavioral, physiological and environmental – that demand careful attention. Proper handling, ventilation, temperature control and stress reduction are critical components of animal transport. Specialized vehicles are designed to prioritize animal comfort, while loading, unloading and compliance with regulations are intricate tasks. The distinct risks associated with transporting live cargo, combined with the higher value of the cargo and the potential for disease transmission, underscore the necessity for tailored livestock hauling insurance. This practice isn't just about moving cargo, it's about ensuring the animals’ well-being. Livestock Hauling Insurance While coverage exists for goods in transit within inland marine insurance, motor truck cargo coverage and some business owner package policies, it's important to note that the transportation of live animals is often excluded from these standard policies. A good first step is to conduct a thorough review of your current coverage with your insurance broker. You may find that obtaining the necessary coverage requires a special form or an endorsement to be added to your policy, or in certain instances, a dedicated standalone livestock hauling policy might be the most suitable solution. Such a policy, or a collection of policies, should address: Truck Liability: Compliance and Responsibility At the core of livestock hauling insurance is truck liability coverage, a legal requirement for all livestock hauling trucks on the road. This coverage serves as a safety net, offering financial protection in case of accidents where bodily injury and property damage may occur. Physical Damage Coverage: Safeguarding Your Equipment Physical damage coverage steps in to provide assurance that livestock trucks and trailers are shielded against the unexpected. Whether it's a collision, a mishap on the road or unforeseen incidents, this coverage ensures that essential equipment can be promptly repaired or replaced. With physical CONTINUED ON PAGE 40
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