Your livestock isn’t just an asset,
it’s the backbone of your operation.
At KDL Insurance LLC, we know the time, care, and investment that goes into raising healthy herds. That’s why we offer livestock insurance options designed to protect your operation from the risks you can’t control.
Why Work With KDL Insurance
Farm Backgrounds
Our agents—Jan Kluis, Ruth Ann Dibble, and Grant Bose—have firsthand experience with livestock and the unique challenges producers face.
Custom Solutions
We help tailor coverage to fit your herd size, operation type, and marketing plan.
Local Support
When questions come up, you’re not calling a call center—you’re reaching a neighbor you know and trust.
Livestock Insurance Coverage Options
A program designed to insure against declining national market prices that fall below an established coverage price. Producers choose from a variety of coverage levels and insurance periods that best match the time their livestock will be marketed (ownership may be retained).
Applications for producers that do not have existing policies may be submitted at any time during the crop year to establish program eligibility. After the application is accepted, Specific Coverage Endorsements may be purchased throughout the year to outline coverage on the policy.
Insures against unexpected declines in the quarterly revenue from milk sales relative to a guaranteed coverage level. The expected revenue is based on futures prices for milk and dairy commodities and the amount of covered milk production elected by the producer. The covered milk production is indexed to the state or region where the dairy producer is located.
Applications for producers that do not have an existing DRP policy may be submitted at any time during the crop year to establish program eligibility.
DRP provides insurance only for the difference between the final revenue guarantee and actual milk revenue times actual share and protection factor, caused by natural occurrences in market prices and yields in a given pooled production region. It does not insure against:
- Death of dairy cattle
- Other loss or destruction of dairy cattle
- Any other kind of loss or damage
PRF provides coverage on those types of acres and is based on a precipitation index. The policy insures the ability to cover replacement feed costs when a loss of forage for grazing or harvesting for hay is experienced due to a lack of precipitation. It is area-based, meaning payments are based on a grid's deviation from normal experience.
Losses are calculated based on the current year's rainfall deviation from the historical normal for the grid area.
- Elect to cover 90%, 85%, 80%, 75%, or 70% of normal rainfall (Coverage Level)
- Productivity Factor - Select a multiplier between 60% and 150%
- Coverage is based on a grid 0.25 degrees latitude by 0.25 degrees longitude.
- Coverage is based on the experience of the entire grid, and NOT individual farms or ranches or specific weather stations.
No production report or record keeping is required. No loss adjustments are required. You are not required to insure all acres.
KDL Insurance Helps Local Producers Succeed in Every Season
Protect What Matters Most
Markets shift. Weather changes. But with the right livestock insurance, you can protect your bottom line and your future.
