The study evaluates the feasibility of designing tailored insurance products to address poultry mortality risks due to thermal stress in northern Algeria. High temperatures create significant challenges, particularly for broiler chickens, which show greater heat sensitivity and higher mortality rates (19.95% ± 17.9%) compared to laying hens (13.07% ± 9.17%). Analysis by age reveals broiler chicks are initially heat-resistant, while laying hens have an 8.36 ± 7.01% mortality rate. Mid-cycle, broiler mortality increases to 12.16 ± 9.07%, and laying hens' mortality rises to 16.97 ± 9.11%. By cycle's end, broiler mortality peaks at 27.14 ± 21.18%, whereas laying hens' mortality is 11.66 ± 9.24%. Unequipped farms have higher mortality rates 25.78 ± 23.48% for broilers and 13.78 ± 9.75% for laying hens emphasizing the need for effective cooling and ventilation. Tailoring insurance premiums based on these factors and improving farming practices can mitigate risks and ensure financial viability for insurers.