CASE STUDIES
This 2,800 head farm’s unabated economic loss from THI averages $1.65 MM per year with a high of $2.36 MM and a low of $1.1 MM.
These swings from year to year, combined wth the unpredicability of weather create signficant cash flow risk for the farmer, their vendors and financing facilities.
source: St. Pierre, 2003 model shown in 2023 milk price dollars
Relief in Real Time
During Milkshake’s first full summer of 2025, we insured several farms in the Upper Midwest from May to October. Devastating heat humidity conditions hit a large part of the Central and Eastern US (see article) from June 20-24, 2025
The event was significantly brutal on dairies because the overnight low temperatures set all-time records for how high they were, making it very difficult for the cows to cool down and avoid heat stress.
Through our constant Temperature and Humidity Index (THI) monitoring, we alerted the customers and their agent that the THI conditions breached the triggers on their Milkshake policy for both 3-day and 5-day payouts. We immediately sent them our simple, one-page loss acknowledgement with the event details to confirm their loss and processed their payout providing much needed cash flow before the summer was out.