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Insurance Coverage for the Egg /Poultry Farmer

Like any entrepreneur, a poultry farm owner is exposed to numerous commercial liability risks. Storms, floods, fires, insect and rodent damage and equipment are perhaps more real in this area than others.

However, the real threat posed by this type of farmer concerns the dreaded salmonella bacteria. Salmonella contamination can cause food poisoning. In the case of the poultry farmer, eggs can become infected and if eaten by the public they can pose a health threat.

Recently, there has been a fear of salmonella for eggs sold in various states in the United States. For this reason, egg breeders remembered more than two hundred million eggs!

Consumers have been told not to eat or cook eggs. Instead, he was instructed to return the eggs to the stores where they purchased them and to receive a refund.

A brief summary on Salmonella

• More than one million US residents are infected with Salmonella on an annual basis. This prompted hospitals to admit twenty three three thousand patients and is the reason for four hundred and fifty related deaths.

• Children under the age of twelve are more prone to Salmonella food poisoning, but the infection is more dangerous for children, the elderly and those with a compromised immune system.

• Most Salmonella attacks are cured within 4-7 days of bed rest and drinking water and juice. Some cases, however, are resolved only with the use of antibiotics.

Chicken, Turkey and Egg Farm Insurance

If a Salmonella outbreak affects chickens, turkeys and eggs, there will be a significant loss of income for the owner. In addition, lawsuits are expected to emerge. All of this underlines the importance of having adequate adequate commercial insurance coverage.

The associated agricultural insurance protects poultry raised on the property and feed mills. In addition, it protects the financiers of large flocks of chickens and geese bred to become broilers, breeders or those grown for egg production.

Coverage is usually prepared on an “all risk” form written exclusively for the poultry farmer. This type of insurance covers poultry mortality from climatic or humid conditions and so on. This may relate to climatic conditions on the farm or even while poultry is being moved from place to place in a vehicle.

Other dangers for the poultry farm may include:

• Incorrect handling of chemicals

• Seepage from storage tanks or ponds on the property

• Difficult poultry conditions

A selected group of related agricultural insurance plans also covers contamination risks.

by M Wyzanski

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