No call centres

You deal with the person who sat at your kitchen table the week before

No call centres

You will deal with the person who sat at your kitchen table the week before

No call centres

You deal with the person who sat at your kitchen table the week before

in-Livestock Insurance Policies

Our in-Livestock policies are tailor made to meet your requirements because your investment is worth protecting. in-Livestock supplies comprehensive cover for your entire herd or individual pedigree animals with a wide range of insurance products tailored to your needs.

Why use in-Livestock?

  • Comprehensive cover
  • All risks mortality
  • Loss of use for working bulls
  • Competitive premiums
  • Immediate quote and cover
  • Trusted by auctioneers and purchasers

Comprehensive cover for Buyers and Sellers

Insurance for Sellers:

Breeding Warranty

  • Fertility guarantee
  • Discounts available for semen tested bulls

Luck Penny

  • Available for 3, 6, or 12 months
  • Covers both all risks mortality and loss of use

Insurance for Buyers:

All Risks Mortality and Loss of Use

  • Accident, injury, illness and disease
  • Includes economic slaughter

This cover can be extended to include:

  • Theft
  • Road Transit

Helping You Understand the Benefits of in-Livestock

Mortality vs. Loss of Use
Mortality cover only insures you in the event of death or humane destruction due to unforeseen circumstances, but with in-Livestock’s comprehensive Loss of Use policies, you’re covered in the event that the animal you have purchased has an incapacitating (but not fatal) injury

Length of Cover
Policies start from 3 months and often are extended for up to a year, so it’s important that you speak to our team about what coverage duration is best suited to your needs

Let us answer your questions – call our specialist team on 01228 406290

Buying or Selling a Bull – for more information click here
Buying or Selling Sheep – for more information click here
Whole Herd Disease Cover – for more information click here

H&H: A Trusted Name in Farm Insurance

With almost three decades providing specialist insurance to breeders, we have established a strong client base throughout the North of England and Scotland. We pride ourselves on a personal, hands-on approach and are committed to remaining an independent insurance provider. We act with your best interests in mind. As a trading style of H&H, in-Livestock is able to offer insurance cover at key H&H pedigree Breed Society Sales as well as private sales for vendors and purchasers.

Full Terms and Conditions available.

Our promise to you

By choosing H&H Insurance Brokers to arrange your insurance we want you to know that you will receive the following levels of service:

  1. A dedicated point of contact (with an average over 12 years of experience) to manage your insurances
  2. A named point of contact in the office to handle your day-to-day enquiries
  3. The team handling your insurances will be experienced, friendly, helpful and knowledgeable
  4. You have access to the insurance market and our relationships with major insurers and underwriters will ensure the ‘right’ insurances for you
  5. We will review your insurances annually to ensure that they continue to meet your requirements
  6. You will enjoy the benefit of working with a customer focused team who will listen to you, and work with you to provide bespoke solutions for your insurance needs
  7. You have the security of dealing with a company authorised and regulated by the Financial Conduct Authority.

FAQs

in-Livestock will provide a range of quality insurance covers for your pedigree stock during pedigree Breed Society sales (held at Harrison & Hetherington auction marts) and private sales subject to a satisfactory veterinary inspection.   We can also arrange pre-sale cover saving you time on the day of the sale.
The main insurance covers are All Risks of Mortality, Loss of Use, Luckpenny and Breeding Warranty.  There are different cover options available for both the Vendor and the Purchaser.
It is advisable to take out insurance cover prior to the sale. This will give prospective purchasers confidence in their choice, knowing that their investment is protected.

  • Pre-Sale: by contacting our in-Livestock team on M: 07703 672337 or T: 01228 406290
  • On the Day: call into the main office or contact our in-Livestock team (as above)

Cover can be purchased post-sale up to 48 hours | Instant quote and cover is available during key sales at any of the H&H marts.

Yes, provided the animal is vetted and a Veterinary Certificate of Health completed along with a satisfactorily completed proposal.
Yes providing it has passed the Official Breed Society veterinary inspection.
Discounts are usually available for semen tested animals.  Premium reductions are also available if co-insurance is taken.  This is typically 10% of the sum insured but please contact us for further details.
H&H Insurance Brokers have negotiated very competitive rates with a leading credit provider allowing you to pay monthly over a nominated period to suit you.
Close Brothers Premium Finance will make a charge for arranging instalment facilities so you can pay by Direct Debit. The amount of the charge will depend on total premiums and chosen payment period but we will confirm this to you when arranging your insurance.
To claim you can either contact our head office on 01228 406290 or visit our claims section on this website which contains some helpful information.
in-Livestock is a trading style name of H&H Insurance Brokers Limited (HHIB).  HHIB are based in the hub of the livestock industry at Borderway Mart, Carlisle and were established in 1987; since then they have been providing livestock insurance for vendors and purchasers of pedigree cattle and sheep.  HHIB is authorised and regulated by the Financial Conduct Authority, Registered Number 305809.
The Catlin Group Limited is a global specialty property / casualty insurer and reinsurer, writing more than 30 lines of business. With six underwriting hubs in London/UK, Bermuda, the United States, Asia Pacific, Europe, and Canada this places them at the heart of every major insurance market.    They have a team of experienced and specialist livestock underwriters.
We act as an intermediary between clients and insurance companies. Clients may be either individuals or commercial businesses and organisations. We use our in-depth knowledge of risks and the insurance market to find and arrange suitable insurance policies. Unlike tied agents, we are independent and offer products from more than one insurer, to ensure that you get the best deal.  Insurance policies range from motor insurance, required by law to drive a vehicle in the UK, to public, employers’ or product liability insurance, which pays compensation on the basis of the assessment of legal liability for damage, injury or harm.
At H&H Insurance Brokers we are very proud of our personal service. As our client, you will be given the name of your personal account handler, who will deal with any policy queries or amendments you might have. In addition to this, we offer visits from our account executives who will go through your policy in depth to ensure you have sufficient cover at the best cost.
More questions? Speak to a specialist 01228 406 290

Contact us

Get in touch us to discuss your needs with one of our specialist brokers.

01228 406 290

Why choose H&H?

  • Real experts who take time to understand your business
  • To save you time and better understand your needs, we’ll come to you
  • We get you the right cover at a competitive price
  • Provide both standard and niche insurance covers
  • For more details click here

Independent Farm & Estate Insurance reviews from FeeFo

Discuss your insurance needs with an expert 01228 406 290

News & views from H&H Insurance Brokers

New Commercial Insurance Scheme includes Flood Damage

7th December 2016

We are pleased to announce that as members of the British Insurance Brokers Association (BIBA) we will have access to this new product which is aimed at commercial and property owning clients and could cater for business in flood hit areas.

Read more

Insurance Premium Tax (IPT) increase

2nd December 2016

As part of the autumn statement, Chancellor Philip Hammond announced that Britain’s Insurance Premium Tax (IPT) is expected to rise by 2% to a new high of 12%.

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