Why You Need CCC Insurance for Animal Confinements

Any farmer with livestock has to insure those animals. They are, at the end of the day, profit drivers, and any loss of livestock equals a financial loss. It is your insurance that will be there to help you cover the costs of losing livestock in the face of numerous unfortunate accidents or hazards.

However, livestock insurance is very nuanced, and therefore, you cannot assume that every animal in your care necessarily has coverage unless you are able to specifically verify that fact. One critical component of coverage that your plan might need includes care, custody and control insurance for animal confinements. Here’s how this important coverage works.

Care, Custody & Control Insurance
If you were to take a look at the average commercial liability insurance policy of any kind, then you will likely see a care/custody/control (CCC) exclusion. This means that when you take possession of an item that does not belong to you, then your liability coverage will not insure it. While liability policies are designed to cover damage to third-party property caused by your mistakes or negligence, the CCC exclusion makes this coverage null when you take those items into your care.

Because you still have an obligation to protect these items, you will need to expand your property coverage appropriately. This is true in any business, including in the livestock industry. The specific coverage that will help you in this circumstance is care, custody and control insurance for confinements. Sometimes, this policy is referred to as a contractor growers liability policy.

Sometimes, you might be tasked with raising and caring for livestock which, legally, belongs to someone else. Under the circumstances, a care/custody/control exclusion under general liability insurance won’t apply to any loss of livestock. Separate contractor growers liability insurance will be the policy that steps in at this time.

Suppose that you are the farmer who raises cows which are the property of someone else. These animals are usually housed in a barn when they are not grazing. While you of course want to protect the animals, there’s no guarantee that they will be completely safe within the confines of their housing. For instance, a fire might break out in the barn, which could unfortunately kill the livestock before you have time to summon help or rescue the animals.

This was an unexpected accident, but it could still mean significant losses for the owner of the livestock. Under the circumstances, because the animals were in your care, you can use this coverage to compensate the affected person for their financial losses.

Our job is to help you get the appropriate coverage for animals in your care, custody or control. Just reach out to one of our agents for assistance in determining the benefits that are best for you.

Why You Need CCC Insurance for Animal Confinements

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