Angus Australia


Protecting Your Bulls

Bull insurance [9]

Bull fertility issues may not be detected until pregnancy testing, which can be many months after bull purchase. Insurance companies provide the opportunity to offset some of the risk of your bulls. When purchasing bull insurance, it is important to understand what is covered in your policy.

A pre-sale test showing the bull is free of impediment(s) is very helpful for insurance claims with no discernible causal event. Pre-insurance evaluations are becoming more common and should be carried out and reported in the same way as for pre-sale evaluations.[7] However, bulls may also still fail due to a variety of reasons including illnesses and accidents despite passing a pre-sale examination. If you are risk averse, testing bulls after purchase as well as prior to purchase is an option.

At auction sales, the possession of the bull is yours after the fall of the hammer. Insurance against loss in transit, accidental loss of use in the first 3–6 months or infertility is worth considering if it is not provided by the vendor.[8]

Obtaining insurance comes down to the attitude of the owner and the cost of the bull. The general recommendation is to insure 1st season bulls for at least 6 months as these bulls are more likely to experience difficulties and expose the owner to higher or unforeseen risks.

Make sure you understand what the policy covers when purchasing bull insurance.


Nutrition is an important factor in maintaining the health of your bulls so they are well grown stud and commercial bulls. Your bulls’ condition score is an indicator of their health and should be used to monitor their wellbeing. Bulls in poor condition must be fed well before mating, and should be in good condition at least two months prior to mating.[12] On the other hand, over-fatness can interfere with the heat exchange function of the testicles resulting in infertility.[12]


Policies are legally-prepared documents and are specific in their wording. When assessing claims, companies will use these specific conditions.[7]

1st year joining bulls should have a condition score of at least 3.5.

Mature bulls should have a condition score between 2.5–3.5.[20]

If your bull’s condition score falls below 2.0, consider supplementary feeding.[20]

Bulls should not be joined in too heavy or over fat condition.