Worried about the safety of your livestock?

Livestock insurance is the solution for farmers who can’t afford to lose their livelihoods. With our livestock insurance, you’re covered for anything from death by accident or act of God to theft and quarantine. Unlike more common insurance options, we don’t exclude illegal acts, confiscation, and routine slaughter.

What is covered?

We will compensate the owner of the animal(s) should they die in any of the following circumstances;

Accidents: lightening, internal and external injuries, windstorm, snake bite, electrocution or flooding

Illness or disease: any animal illness or disease

Epidemic: Widespread outbreak of an infectious disease affecting many animals at the same time in a region

Emergency slaughter on advice of qualified veterinary surgeon following an accident, illness or disease

Calving, farrowing and kidding complications leading to death of insured animal

Animals covered

We will cover your animals;

Dairy and beef from– 3 months to 10 years

Sheep and goats from– 2 months to 7 years

Pigs from– 2 months to 7 years of economic value


The policy is issued annually

Insured value is as per veterinary’s certificate

The cover is affordable and convenient

Easily accessible at Fortune Sacco wide branch network

Premium is payable upfront

Minimum premium per policy is Kes. 5,000

Simple application process

Reliable claims service

Claim settled at Insured value less Excess and Salvage value


Coverage is based on the veterinary valuation price which is agreed prior to going on cover.


  1. Submit duly completed application form- This is available in our branches
  2. Premium payment
  3. Current veterinary and valuation report from local livestock officer
  4. Identification tags, tracking device or tattoo for all insured livestock
  5. Cattle below 8 years of age
  6. Filled proposal form

Exception to compensation

Death/Loss of livestock due to;

  1. Pre-existing condition
  2. Mysterious disappearances
  3. Diseases in the first 30 days after cover inception
  4. Drought, malnutrition and dehydration
  5. Vaccination, treatment and postmortem costs
  6. Inability of the animals to perform the tasks for which they are employed for Death of animals outside the limits of the situation of risks as stated in the schedule
  7. Losses arising from feed or spray poisoning
  8. All losses caused by mismanagement including malnutrition, dehydration, drought, famine, diseases that must be vaccinated against
  9. Animal shows and exhibitions

File A Claim

  1. Fill and submit a claim form- Done by the owner
  2. Provide a veterinary certificate of loss.
  3. provide the photos of the dead Animal- this should clearly show the ear tag of the dead animal.
  4. A certified postmortem report of the dead animal.
  5. Sale agreement with the buyer, in case the insured has been sold as a salvage as advised by the vet officer.