Golden-hour view down a grassy run toward a hand-built chicken coop, hens mid-scratch in warm afternoon light
Poultry Insurance · Est. 2019

They depend
on you.
We protect them.

Small-batch insurance built around the specific, peculiar risks of keeping poultry — from a backyard dozen to a ten-thousand-bird barn.

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Predator Attacks✦Avian Flu Quarantine✦Extreme Weather✦Flock Theft✦Disease Outbreak✦Storm Damage✦Backyard to Commercial✦Predator Attacks✦Avian Flu Quarantine✦Extreme Weather✦Flock Theft✦Disease Outbreak✦Storm Damage✦Backyard to Commercial✦
Why Flock Exists

It started with a fox and thirty-two hens.

Our founder, Clara Whitfield, raised heritage Dominiques on a five-acre plot in central Ohio. In March 2017, a red fox found a gap in the wire. By morning, twenty-nine birds were gone.

When she called her farm insurer, they quoted her the depreciated commodity value — roughly $4.20 per bird. Not the breeding stock price. Not the lost egg income. Not the heritage genetics she'd spent four years selecting.

That phone call is why Flock exists. Standard farm policies treat poultry as afterthoughts — line items priced by the pound. We built something different.

Clara Whitfield, founder of Flock Insurance, standing in front of a wooden coop

Clara Whitfield

Founder, Flock Insurance

Heritage Dominique chickens in a grassy backyard run at golden hour, warm light catching feather patterns
Interior of a well-built wooden chicken coop with nesting boxes and morning light coming through slat boards

Insurance that speaks fluent chicken.

We wrote coverage that accounts for replacement breeding value, not commodity weight. We built in quarantine income loss for avian flu. We priced predator attacks as the real, recurring risk they are — not an exotic rider.

Seven years and 4,200 flock reviews later, we've paid claims on everything from a mink in a meat bird barn to a tornado that took three coops on the same farm in twenty minutes.

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What We Cover

The four risks that keep poultry keepers up at night.

Every policy covers all four. No choosing. No gaps.

62%
62%

of claims are predator-related

"A red fox took 14 Buff Orpingtons in one night. Flock paid $2,240 — breeding stock value, not market weight."

Predator Attacks

Foxes, raccoons, hawks, mink, coyotes — covered for full replacement value of every bird lost, not depreciated commodity price.

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90
90

days quarantine income covered

"HPAI quarantine order on 800 layers. Flock covered flock value plus 90 days of lost egg income: $34,000 total."

Avian Flu & Disease

Mandatory quarantine, flock depopulation orders, and income loss during isolation — all covered. We understood HPAI before it made headlines.

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11
11

avg. days to claim payment

"A spring tornado took two coops and 340 broilers. Single claim, paid in 11 days: $28,500 structure + flock combined."

Extreme Weather

Tornado, hail, ice storm, flooding — structure damage and bird loss in a single claim. No separate riders, no coverage gaps.

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48h
48h

claim window after incident

"Six show-quality Ayam Cemani stolen the week before a state fair. Flock paid $4,800 — exhibition replacement value."

Theft & Vandalism

Rare breeds stolen before a show, equipment vandalized, eggs taken from an unattended stand — covered with a 48-hour police report window.

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Coverage Plans

Sized to your coop, not a corporate spreadsheet.

Every plan is underwritten by people who've held chickens, not just spreadsheets.

Backyard

For the keeper who names every bird

$18/mo from
Under 25 birds
  • Predator attack coverage
  • Rare & heritage breed replacement value
  • Storm & weather damage
  • Theft of show birds
  • 24h claim hotline

"I have seven Silkies and two Easter Eggers. Flock treated them like the family members they are."

Margaret Osei

Asheville, NC

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Most Popular

Farmstead

For the Saturday-market egg producer

$54/mo from
25 – 200 birds
  • All Backyard coverage
  • Egg income loss (up to 60 days)
  • Avian flu quarantine income
  • Equipment & feeder coverage
  • Flock health consultation line
  • Priority 48h claim response

"One HPAI scare and the income coverage kept our farmers market booth open while we rebuilt."

Tomás Guerrero

Salinas, CA

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Commercial

For the multi-generation poultry family

Custom
200 + birds
  • All Farmstead coverage
  • Full depopulation value
  • Extended income loss (180 days)
  • Biosecurity breach coverage
  • Multi-barn fleet policy
  • Dedicated claims adjuster
  • Annual flock audit service

"Third generation. One outbreak could erase a year. Flock is the first insurer that understood that math."

Deb Harrington

Decatur, IL

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Get Protected

Your flock doesn't wait.
Neither should your coverage.

Schedule Your Flock Review

A 20-minute call with a poultry insurance specialist. No scripts, no upsells — just honest coverage advice for your specific operation.

Quick Estimate

Get a Ballpark in 30 Seconds

Three questions. No email required. We'll show you a monthly range so you can decide if a full review makes sense.

4,200+

Flock reviews

$2.4M

Claims paid

97%

Renewal rate