Affiliated with
American Live Stock Inc.
Geneva, IL

As of January 1st, 2008, I have formed my own Livestock Insurance Agency for American Live Stock Inc, formerly Harding & Harding. I will be operating under the name Jensen Livestock Agency. If I can be of any assistance to you or your customers for your livestock insurance needs, please do not hesitate to contact me. I will be happy to assist you at sale time for your private treaty sales or purchases.

  1. Please click below to download a pdf of the policy form.
  2. You may type directly into the form or print it out an fill it in by hand.
  3. It is important that you list the full name, full address and phone number, along with all the animals' information you have available.
  4. Print the form, sign it and have a veterinarian sign the form
  5. Mail or Fax the signed form. (Fax number and mailing address above)
Download Policy Form

$75.00 minimum policy premium

6-month rate is 4% of purchase value
12-month rate is 6% of purchase value

We also have short-term coverage:
15 days at 1.5% of purchase value
1 month at 2.5%
2 months at 3%
3 monts at 3.5%

The insurance is for full mortality coverage for death from all natural and accidental causes including life-threatening injuries.

IMPORTANT

  1. Livestock mortality insurance is written for the purpose of protecting the actual investment of the livestock owner, not potential gain or profit.
  2. A mortality policy cannot be construed in any way as a maintenance coverage; it does not include veterinarian or similar expenses.
  3. Indemnity is payable only as a result of death loss.
  4. Mortality coverage does not indemnify an insured against loss of an animal's ability to perform the functions for which it is kept.
  5. Death from natural or accidental causes is included by mandatory slaughter by governmental authority or decree, or for expediency is not included.
  6. The basis for valuing an animal should be actual sales price or fair and conservative appraisal by competent judges when no actual sales transaction has taken place. These values shall be subject to acceptance by Company.
  7. Mortality insurance is renewable only on evidence of reinsurability, both as to physical condition and market value.
  8. Cancellation may only be effected by the insured, or by the Company on notice given in conformation with whatever existing laws govern for the address of the insured as shown on policy. Short rate basis if ordered by insured and pro rata basis if by the Company.
  9. Policies may not be transferred from on insured to another unless agreed to through endorsement by Company, nor may cover be switched from one animal to another unless agreed to by Company.
  10. Application subject ot acceptance by Company.

CATTLE -- BEEF or DAIRY

Age Limits 3 months to 7 years
15 Day Term...........................................................1.5%
1 Month Term.........................................................2.5%
2 Month Term.........................................................3.0%
3 Month Term.........................................................3.5%
6 Month Term.........................................................4.0%
1 Year Term............................................................6.0%

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Transportation, exhibition and all normal usage of the animal in the U.S. and Canada is included.
Loss, directly or indirectly, due to animal(s) giving birth prematurely or otherwise, shall not be included on a policy written for a Term of less than three months.

Age Exceptions - Note Added Premium
Calves, 2 weeks to 7 weeks old.............................4.0%
Calves, 7 weeks to 3 months old...........................2.0%
Bulls, 7 years..........................................................1.0%
Bulls, 8 years..........................................................2.0%
Cows, 8 years........................................................1.0%
Cows, 9 years........................................................2.0%
(This is additional premium to be added to period coverage and considered earned in entirety when written.)

SPECIAL HERD INSURANCE -- CATTLE

If a minimum of six head are insured, the rate is FIVE PERCENT. No one animal may exceed the total value of others insured. Full rate: no deductible involved.

DOGS

Age Limits 4 months through 6 years
1 Year (Excl. Vehicular & Whelping Loss)...............10%
1 Year (Incl. Vehicular Loss)...................................13%
1 Year (Incl. Whelping & Vehicular Loss)................15%
Certain breeds, not acceptable for whelping risks.
Loss due to theft, straying or mysterious disappearances not covered.

SPECIAL COVERAGES

The following insurances are available for the unusual risk. Contact the Company for rates.

  1. Mortality insurance on animals being exported or imported by air or sea.
  2. Named Peril (limited risk, fire, lightning, windstorm, collision, etc.) excluding death from sickness or disease.