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


header graphic Are Your Cattle Covered? Trucking Risks in a High-Price Market with Julie Davidson [episode 75]

Listen to Are Your Cattle Covered? Trucking Risks in a High-Price Market with Julie Davidson on: Apple Podcasts | Spotify | Your platform of choice  



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.


In this episode, Are Your Cattle Covered? Trucking Risks in a High-Price Market with Julie Davidson, 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


Meet Julie Davidson:

Julie has over 20 years of experience in the insurance industry, including many years as a Claims Specialist, where she handled complex liability, farm/ranch, commercial, and property casualty claims. For the last several years, she has worked as a producer, licensed in four states, specializing in farm and ranch coverage. She has also spent most of her adult life immersed in the world of Ag, including many years on the leadership team of a large implement dealership group, many years handling the books and business aspects for a large cow/calf operation, and, of course, the best part, general labor in the great outdoors, processing, feeding, etc. She has three children, two are grown and living in TX, and the youngest is about to start his senior year. They all love spending time hiking, fishing, and exploring the Bighorn Mountains.

  

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More about the Ranchonomics podcast:  

Welcome to Ranchonomics, where we empower you to build a better ranch and transform your operation into a thriving business. This podcast is brought to you by Ranch Right LLC, and together we will look at essential strategies, mindsets, and processes needed to take command of your financials and master the business metrics that make all the difference. If you are ready to start winning at ranching, then you are in the right spot. 


With each episode of Ranchonomics, you will hear inspiring success stories, gain simple yet powerful financial literacy tips, and listen to insightful interviews with industry experts and real-life practitioners. 


Whether you are a seasoned rancher or just starting out, we believe that managing a ranch shouldn't mean drowning in paperwork or missing out on valuable opportunities. Our mission is to help you see the link between your daily ranching operations and your financials that allow you to go from chaos to clarity and achieve your goals. 


Join us as we explore the intersection of ranching and finance, helping you understand your numbers and make informed decisions that propel your business forward. 

Subscribe now and start your path to a more profitable, less stressful ranching experience with Ranchonomics. It's time to harness the full potential of your operation. 

 

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