Poultry & Egg Farm Insurance Coverage Checklist
The coverages a poultry & egg farm business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for egg layer farms, broiler and turkey growers, and contract poultry growers. Priorities reflect typical exposure for this class; confirm against your actual flock and contracts.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Farm Liability | Covers injuries and damage to others from the farm, odor, and visitors. | Core | |
| Farm Property / Poultry Houses | Covers houses, feed systems, egg rooms, and generators. | Core | |
| Workers' Compensation / Employer's Liability | Covers farm workers and catch crews. | Core | |
| Poultry Mortality / Livestock | Covers birds lost to fire, windstorm, and other named perils. | Core | |
| Equipment Breakdown / Power Failure | Covers ventilation, feed, and generator breakdowns that can suffocate a flock. | Prevalent | |
| Contract Grower Coverage | Confirms who insures birds and houses under integrator contracts. | Prevalent | |
| Products Liability / Product Recall | Needed if you grade, pack, or sell eggs or birds direct. | Prevalent | |
| Pollution / Manure Liability | Covers manure and litter runoff — usually excluded from farm liability. | Prevalent | |
| Farm Auto | Covers trucks hauling eggs, feed, and litter. | Prevalent | |
| Umbrella / Excess Liability | Adds limits above farm liability and auto. | Situational |
The coverage gap most often missed
The gap most often missed by poultry and egg farms is disease. Standard bird mortality coverage usually excludes disease, so avian flu losses fall to the USDA indemnity program, which may not cover lost income while houses sit empty. Fire and power loss are the other big risks — about 120,000 hens died in one Utah barn fire in 2024. Ask your advisor what happens to income after a depopulation, and test generators and alarms on a schedule.
Send us the checklist and we'll review your poultry & egg farm coverage line by line, then market it across multiple carriers that compete for your account.
Related: Poultry & Egg Farm Insurance · Poultry & Egg Farm Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a poultry & egg farm business need?
The core coverages for a poultry & egg farm business are Farm Liability, Farm Property / Poultry Houses, Workers' Compensation / Employer's Liability, Poultry Mortality / Livestock. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my poultry & egg farm coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.