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Ranchonomics

75. Are Your Cattle Covered? Trucking Risks in a High-Price Market with Julie Davidson

Dec 9, 2025 · 14 min · Episode 75 · 11.8 MB
0:00-14:00

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When cattle prices climb to levels few of us have ever seen, the dollar value of a single load can quietly double, or even triple. And while most ranchers wouldn’t dream of driving uninsured, many are still hauling cattle with cargo coverage that hasn’t been updated in years. Are your cattle covered?

In this episode, Julie Davidson of High Country Coverage Consulting returns to walk us through the real risks and the practical steps every rancher should take before cattle hit the road. From radius limits and VIN-specific coverage to knowing who’s responsible when a neighbor hauls your calves, this is a timely conversation for a high-price market.

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In this episode, we cover:

  • Why standard $100,000 cargo policies are now dangerously insufficient when calves can be worth $250k–$400k per load
  • Who is responsible for coverage, depending on whether you haul, the buyer hires the trucks, or a neighbor does you a favor
  • How cargo policies actually work: VIN-specific coverage, trailer listings, radius limits, and why “one policy for the ranch” isn’t enough
  • What happens when there’s an accident, including how loss values are calculated and why injured cattle require special evaluation
  • Key exclusions, especially the fact that loss of market price is not covered
  • Practical steps to update coverage as markets rise and fall, so you’re protected without overspending

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