Poultry Farm Insurance for Broiler, Layer & Turkey Growers
Coverage designed around the way contract growers actually operate -- not a generic farm policy with poultry added as an afterthought.
What's Covered
Poultry Houses (Property)
Your houses are covered on a Special / Open Peril basis. Instead of a short list of named causes of loss, this form covers everything unless it is specifically excluded -- a much broader net for wind, fire, and other property damage.
Barns up to 25 years old are covered at replacement cost value, meaning you get paid what it actually costs to rebuild, not a depreciated value. Roofs 12 years or older are the one exception: those are covered at actual cash value for the roof only. The rest of the barn stays at replacement cost.
On top of that, 115% Replacement Cost gives you a cushion. If rebuilding costs spike after a loss, the policy can pay up to 15% above your stated limit to help you rebuild.
Dwellings & Homes on the Property
Your coverage is not limited to the poultry houses. The PGA Program covers the dwellings and homes on your property too -- your residence and other structures on the farm are part of the policy.
Equipment Breakdown
Fans, generators, feeders, water systems, ventilation systems -- if it is mechanical or electrical and it fails, this coverage responds. $150,000 per breakdown event, plus $50,000 in business income protection while you are down, plus generator coverage. Your integrator contract requires that equipment to keep running. This coverage exists to protect that obligation.
Business Income (We Recommend It)
If a covered loss shuts down a house, business income coverage replaces the income you are not collecting from your integrator while you rebuild. You set the limit. It pays based on actual loss sustained, after a 72-hour waiting period, with no cap on how long you can claim it. If your poultry operation is your family's main source of income, we strongly recommend carrying it -- a covered loss can stop your paychecks for months while a house is rebuilt, and this is the coverage that keeps money coming in during that gap.
Liability
Premises liability coverage protects you if someone is injured on your property or if your operation causes damage to someone else's property.
What's NOT Covered
We would rather tell you upfront than have you find out during a claim.
- Birds and animals are not covered. The birds belong to your integrator, not you, so they are not part of your property coverage. PGA does not currently offer a separate bird-mortality product.
- Flood is excluded, no exceptions. This is standard across commercial farm property insurance generally -- not something unique to PGA. If you are in a flood-prone area, ask us about your options.
Being direct about what is not covered is part of how we do business. No surprises at claim time.
Three Ways Your Poultry Policy Can Pay Less Than You Think
Most growers never read the fine print until a claim check comes up short. These are the three provisions where it happens most. None of this is unique to any one company -- but you should know whether your policy does it.
1. The Coinsurance Penalty
Some carriers require you to insure your houses to a set percentage of full rebuild value. Fall short, and every claim gets reduced by the same fraction you are underinsured -- even the small ones. Picture a farm that would cost $2.3 million to rebuild today carrying $1.4 million in coverage. That gap does not just matter on a total loss: on a policy with a coinsurance clause, it can shrink an ordinary wind claim by tens of thousands of dollars before the deductible even comes off. The PGA Program quotes from current rebuild cost, so the math starts honest.
2. Actual Cash Value on Older Barns and Roofs
Some carriers quietly move older houses -- or just their roofs -- from replacement cost to actual cash value. Depreciation comes off the top of your claim, and a 20-year-old roof can be worth a fraction of what it costs to put back. Know which parts of your farm are on which basis before the storm, not after.
3. Limits That Never Kept Up With Construction Costs
Poultry house rebuild costs have jumped fast. A limit set at purchase and renewed on autopilot can sit far below what it actually costs to rebuild today. The PGA Program's 115% replacement cost provision pays up to 15% above your stated limit when rebuild costs outrun it -- but the smart first step is just restating your limits to today's numbers.
Not sure which of the three your current policy does? Send us your dec page for a free 3-line review -- no obligation.
Side-by-Side: Typical Farm Policy vs. the PGA Program
| Feature | Typical Farm Policy | PGA Program |
|---|---|---|
| Coverage Form | Basic or Broad (named perils) | Special / Open Peril |
| Wind/Hail Deductible | 5-10% | 2-3% |
| Replacement Cost | 100% ACV (older barns) | 115% RCV up to the policy limit |
| Equipment Breakdown | Not included | $150K per breakdown |
| Business Income | Not offered / too expensive / too many restrictions | Grower decides limit / actual loss sustained / 72-hr waiting period / no time restrictions |
Frequently Asked Questions
What if my barns are older?
PGA covers barns up to 25 years old at replacement cost value. Roofs 12 years or older are covered at actual cash value for the roof only -- but the rest of the barn is still replacement cost.
How long does it take to get an indication?
One phone call, usually 10 to 15 minutes. We need to know how many houses, the year built, who you grow for, and your current carrier. We can typically have a coverage indication back to you the same day.
What does equipment breakdown actually cover?
Fans, generators, feeders, water systems, ventilation systems -- any mechanical or electrical failure. $150,000 per breakdown event, $50,000 for lost business income while you are down, and $100 to $200 per generator depending on size. Your integrator contract requires that equipment to run -- this coverage protects that obligation.
What if I just renewed with my current carrier?
That is fine. You can switch mid-term -- your current carrier issues a refund for the unused portion of premium. There is no need to wait for your renewal date to get a better policy in place.
When can I switch?
Now. You can switch mid-term -- your current carrier issues a refund for the unused portion of premium.
Want a second set of eyes first? Send us your current dec page for a free 3-line review -- no obligation.
Ready for a Coverage Indication?
Most growers get a same-day answer from one 10-15 minute phone call. Have your house count, year built, integrator, and current carrier ready.
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