Feedlot Cattle Insurance in Stratford, Texas

Coverage That Stratford Feeders Rely On

Up in Stratford, Texas, where the plains stretch wide and the wind has a habit of doing its own thing, raising cattle isn’t just a job, it’s a way of life. Folks there know that taking care of feedlot cattle comes with a whole list of challenges, some of them weather-related, some of them less predictable. And when things go wrong, having the right kind of insurance in place makes all the difference. That’s where National Livestock Insurance steps in, offering coverage that’s tailored to the specific risks of feedlot operations, and backed by The Hartford’s A+ financial rating, meaning when you file a claim, it’s getting paid, fast and reliably, whether the storm rolls in at 3 p.m. or 3 a.m.

What Your Policy Covers

What sets this coverage apart isn’t just the laundry list of things it includes, although that list is a solid one. It’s the way the policy speaks directly to the realities of raising cattle in towns like Stratford, where winter hits hard, winds don’t play fair, and losses don’t always come with a warning sign. The insurance focuses on a select but crucial set of events that can jeopardize cattle health and profitability, covering things like hypothermia, smothering from a blizzard, contaminated feed or water, carcass removal, and a range of environmental hazards including fire, lightning, windstorm, flooding, building collapse, and drowning. It also covers vandalism and theft, because not every danger comes from nature.

Valuation Schedule

It starts with the valuation schedule. While that might sound dry on the surface, it’s actually one of the most useful parts of the entire policy. It lays out clearly how your cattle are assessed, so when a claim is filed, you're not left haggling or wondering if you're being short-changed. With the value clearly documented, you know what to expect and when to expect it, whether the loss involves a single animal or a group affected by a major event. That transparency means you can focus on managing your feedlot, not getting tangled up in paperwork and negotiations.

Optional Riders

One of the more serious risks feedlot owners in Stratford face is hypothermia, especially during those sudden cold snaps that come with Texas panhandle winters. It doesn’t have to be a whiteout blizzard for cattle to suffer, the combination of dropping temps and biting winds can be enough to cause real harm, especially for young or weakened livestock. When your animals get hit hard by hypothermia, National Livestock Insurance is there with the support and compensation you need to get through it without shouldering the financial blow all on your own.

Smothering from blizzards may not sound like an everyday occurrence, but anyone who’s been through a true panhandle snowstorm knows how fast conditions can go from calm to catastrophic. When snow starts piling up and visibility drops, livestock can become trapped or suffocated, especially if shelter collapses or drifts form too quickly. This coverage doesn’t shrug off those dangers, it accounts for the worst-case scenarios and offers real solutions when nature pushes too far.

Contaminated feed or water is another threat that’s more common than most folks realize. Maybe the feed was stored in a damp area and picked up mold. Maybe the water supply got compromised by runoff or equipment failure. Whatever the cause, the consequences can be serious. Sick cattle mean slower growth, lost productivity, and in some cases, fatalities. National Livestock Insurance steps in when these issues arise, helping you recover from feed- or water-based contamination so you don’t have to absorb the full cost of something that may have been completely outside your control.

Carcass removal isn’t usually top of mind until it becomes a problem. Losing animals is tough, both emotionally and economically, and handling the aftermath can be labor-intensive, costly, and logistically complicated. With this policy, you're covered for removal expenses, which means you don’t have to scramble to find services or pay out-of-pocket while you're still dealing with the initial loss. It’s a thoughtful inclusion that respects the realities of feedlot operations, particularly those scaled to hundreds or thousands of head.

‍