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It depends on what the owner of that cow says. You may have to replace the cow with another one, or pay a fine for damages to that cow as well as how much the cow had originally cost the producer. Often it's best to let the owner himself to replace the cow on his own, because he/she knows better what to look for than you do.

Another View: Actually that would probably become a question for your insurance company rather than you. The farmer has the responsibility to maintain secure fences for his livestock, so he does have some responsibility for the wandering cow. As a matter of fact, your insurance company (or you) could probably sue the farmer.

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