Livestock Insurance

Protecting Your Most Valuable Rodeo Assets

A top-performing bucking bull can represent an investment of $50,000, $100,000, or more. Elite rope horses sell for similar figures. Barrel racing horses with proven records at major events can be worth even more. These animals are not just livestock — they are the engine of a rodeo operation, and losing one unexpectedly can be financially devastating without proper insurance in place.

8 Second Insurance offers livestock mortality, theft, major medical, and surgical coverage specifically designed for rodeo animals. Our policies reflect the true market value of performance livestock rather than generic commodity cattle values, and our underwriters understand the rodeo industry's valuation methodology for animals with proven competition records.

Livestock Mortality Insurance

Mortality insurance is the foundation of livestock protection. It pays the insured value of your animal upon death from any covered cause, including accident, injury, illness, and disease. For rodeo stock, covered causes include deaths that occur during competition, during transport, and while on your property.

Unlike generic livestock policies that may pay based on commodity market values, our rodeo livestock mortality policies are structured based on the documented market value of performance animals. A bucking bull with ABBI rankings and PBR points is insured at a value that reflects his record, not the price of beef cattle.

Humane destruction coverage extends mortality insurance to situations where a seriously injured animal must be euthanized. This is a critical provision for rodeo animals, where traumatic injuries can sometimes necessitate emergency humane euthanasia before an insurer can be contacted.

Theft Coverage

Livestock theft is a genuine and growing concern in the rodeo community. High-value bulls and horses are attractive targets. Theft coverage protects against the loss of your animals through theft, burglary, and mysterious disappearance under circumstances consistent with theft.

Coverage applies both on your property and at rodeo events where your animals are temporarily present. Given that stock contractors regularly have animals at public events with significant foot traffic, theft coverage is not optional — it is essential.

Major Medical and Surgical Coverage

Veterinary costs for serious injuries and illnesses in high-value livestock can reach $10,000 to $30,000 or more. Colic surgery in horses, orthopedic surgery for bone fractures, emergency treatment after arena injuries — these are not rare events in the rodeo world, and they carry price tags that can put small operations under financial strain.

Major medical coverage pays eligible veterinary expenses above a deductible, up to policy limits. Surgical coverage specifically applies to emergency and scheduled surgical procedures. Together, these coverages ensure that a medical crisis with one of your animals does not become a financial crisis for your operation.

Animals We Cover