Since 1980
Get A Quote
Our Mission
Wilkins Livestock Insurers, Inc. was founded in 1980 with a single goal in mind;

To offer the  best possible livestock insurance coverage
at the lowest possible rates.

We have since spent our time working hard to achieve this for you, our clients.  We offer superior coverage for all equines, alpacas and llamas. We underwrite for five of the top livestock insurance companies in the nation, making it possible to offer you the best possible coverage at the lowest rates available.  And we provide small-town customer service, often resulting in solid personal relationships with many of our clients.
We're in the livestock business, too.  We know about the joys and successes you experience, and also the pain of loss and financial hardship that go along with what we do.  Most of all, we know your needs and expectations.  Our practical knowledge, superior customer service and decades of experience in the livestock insurance industry, make a winning combination for our clients that you just won't find anywhere else.

Call our friendly staff today, and see what we can do for you.

  Bob Wilkins

 Stacy Miller

Roger Kimbrough

Carey Filipi

One Goal In Mind...
Get A Quote
Wilkins Livestock Insurance Coverage

Equine Insurance Coverage

Wilkins Livestock Insurers, Inc. understands the financial commitment involved in the equine industry.  Whether you have a recreational horse, a competitive equine athlete or a valuable breeding animal, we know horses can be expensive.  In the event of misfortune, a comprehensive insurance policy can help ease a devastating loss, and keep you focused on your equine dreams.  We offer a wide range of equine coverages, dependent upon and customizable to each owner's needs.
Full Mortality And Theft
Full Mortality coverage insures your animals against death as a result of injury, illness, disease, humane destruction, transportation or theft.  No vet exam is needed on standard aged horses valued at $100,000 or less, and coverage includes Free Emergency Colic Surgery coverage (on qualified horses).

Major Medical Coverage
Provides reimbursement for the cost of medical bills caused by accident, sickness, or disease.

Surgical Coverage
Provides reimbursement for the cost of vet bills incurred as a result of non-elective, surgically invasive procedures.

Stallion Infertility
Provides coverage in the event a stallion becomes permanently and totally incapable of impregnating mares as a result of accident, sickness or disease.

Loss Of Use
Provides reimbursement in the event a horse becomes permanently incapable of serving the function for which it was insured.

** Not all coverages are available on all breeds or intended uses.  Please contact your agent for all details on each coverage. **
The Best Possible Coverage
Get A Quote
Wilkins Livestock Insurance Coverage

Alpaca and Llama Coverage

Wilkins Livestock Insurers, Inc. is proud to be the industry leader for llama and alpaca insurance.  We represent several of the top companies worldwide, enabling us to offer you the best possible protection at the lowest possible rates.

Having been many years in the alpaca and llama business, we have a unique vantage point regarding your financial investment and the animals most special to you.  Insurance coverage offered for alpacas and llamas includes:

•  Full Mortality and Theft (our basic coverage)

•  Infertility Coverage for your breeding males

•  Named Peril - limited coverage at an economical rate

Lowest Possible Rates
Get A Quote
The Ins and Outs of Livestock Insurance

Determining The Need

The financial investment involved in today's equine and camelid industries can be staggering. The need for insurance coverage of your valuable equine, alpaca or llama is determined by the financial interest that you, as owner, has in any animal, from the moment it is born or acquired. The breeding, raising, training and showing of animals represents a considerable financial commitment.  Loss due to death, illness or non-performance can be devastating.  In the case of an unfortunate event, proper insurance coverage can help keep you looking ahead and focused on your business goals.

The insurable value of your animal is its purchase paid price.   Such insurable value may be further increased when prize winnings, performance level, and value of your animal offspring justify the increases.  Sentiment, replacement cost, and loss of profits are not part of insurable value.  Requests for increases in value must be accompanied by substantive information and, in some cases, a veterinarian's certificate.  An offer of purchase, unless accepted, is not sufficient to prove an increase in value.

Livestock mortality insurance is a form of term life insurance for an animal.  That's why any animal, in order to be insured, must be sound and in good health on the effective date of the policy.  A veterinarian's health certificate, attesting to the animal's condition, is often required to be submitted with the application.   In addition, the application must include the name, age, gender, registration number and intended use of the animal.  Applications must be signed by the owner or authorized representative.

Wilkins Livestock Insurers, Inc. full mortality coverage insures your animals against death from any cause, as well as theft. This coverage includes humane euthanization, which might result from an accident or illness.   Rates for coverage vary according to the age and species of the animal.

Before your insurance coverage goes into force, your completed application, together with a veterinary certificate, if required, must be received and approved.  No policy is issued for a term of more than one year.  Coverage begins and expires at noon on the dates specified in the policy.  Policies may be written for a shorter term and annual policies, able to be cancelled by the insured, are on a short rate basis.  Animals may be added or deleted from existing policies during the policy term for a prorated rate.  Each animal added must comply with coverage requirements. 

Wilkins Livestock Insurers, Inc. will notify you of the current policy expiration and forward a renewal application to you well in advance of the date of expiry.  Before renewal of the insurance coverage can be effected, a new application and current veterinarian's certificate may be required.  It is important to stay abreast of any changes or requirements to avoid lapses in coverage.

The insured shall, at all times, provide proper care and attention for each animal insured.  In the event of any illness, disease, lameness, injury, accident, or physical disability whatsoever, the insured shall immediately (at his own expense) employ a veterinarian to administer proper care and use every possible means to save the life of the animal.  The insured shall immediately give notice to Wilkins Livestock Insurers, Inc., at which time a 24/7 case representative contact number will be given to you, along with your policy coverages. 

NOTE: A mortality policy covers death and theft only.  It does not cover major or minor injuries, depreciation in value, loss of profits, nor failure of an animal to perform the duties for which it is kept, employed, or intended (i.e. loss of use).

Livestock Insurance Policies may not be transferred from one insured to another unless approved and endorsed by Wilkins Livestock Insurers, Inc.  Coverage may not be switched from one animal to another unless approved by request, and that request is accompanied by an application and all normal coverage requirements are met.

An oversight on your part can potentially cause your insurance claim to be denied.   Livestock mortality insurance policies require that the owner do two things when an insured animal is stolen, dies, becomes ill or suffers injury:

1.  Promptly provide the best veterinarian services available.

2.  Give immediate notice to Wilkins Livestock Insurers, Inc.

The insurance company is not liable for:


1.   More than the amount for which the animal is insured, nor for more than its actual cash value at the time it sustained the injury or illness that caused the loss, whichever is less.

2.   The death of an insured animal, if such animal was used for any purpose other than stated in the application.

3.   Death, directly or indirectly caused by, happening through, or in consequence of :

A) Any surgical operation, unless conducted by a qualified veterinarian and certified by him to have been necessitated solely by accident, disease, or illness, and to have been carried out in an attempt to preserve the animal's life.

B)Inoculation, unless conducted by a qualified veterinarian or experienced personnel directed and certified by him to have been of prophylactic nature or necessitated by accident, illness, or disease.

4.   Loss caused by or resulting directly from the carelessness, neglect, abuse or willful or malicious injury by the insured, or by the insured's agent, employees, or bailees (except bailees for hire) when acting in collusion with the insured or resulting from any fraudulent, dishonest, or criminal act or omission done by or at the investigation of the insured or any employee or any others having the care, custody, or control of the animal, including independent contractors when acting in collusion with the insured.

5.   The destruction of any animal or animals by reason of such animal having contracted or been exposed to any contagious or communicable disease, whether such destruction be by the order of any government or otherwise.

6.   Confiscation or nationalization or requisition or destruction by, or under the order of, any government or public or local authority, or any person or body having jurisdiction in the matter.



Contact Us

Share by: