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  1. #1
    Join Date
    Feb 2009
    Location
    New Cumberland, PA
    Posts
    1,380

    Default Obtaining Insurance for Beekeeping /Beekeeping Sales

    I have several beeyards and when I asked my insurance agent about extending insurance from my house to cover my beekeeping, it was declined.

    I am also planning on having a table at a local festival in my neck of the woods in order to sell my honey.

    For those of you that have obtained insurance to cover your beekeeping hobby/business/sales, did you have to purchase a seperate policy or did your company extend the insurance from your house to cover your business.

    Would you be able to tell me what such a policy cost generally? Thanks.

  2. #2
    Join Date
    Dec 2006
    Location
    St. Albans, Vermont
    Posts
    5,321

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    You need to find a new insurance company. Who do farmers in your state use? I have a farm policy that covers all the bees, equipment, liability, and fire etc. on our house.

  3. #3
    Join Date
    Jan 2009
    Location
    Grosse Ile, Michigan, USA
    Posts
    2,833

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    I purchased a seperate liability insurance policy, there are alot of companies that won't give you a policy of this type to cover beekeeping endeavors, but my agent found one that was offered by Auto Owners Insurance Co. believe it or not, it cost me about $300/yr. for a one million dollar policy. Sure would like to find one cheaper, any suggestions out there? John

  4. #4
    Join Date
    May 2007
    Location
    Grafton, NY, USA
    Posts
    190

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    Does anyone know if Farm Bureau offer insurance policies for beekeepers?

  5. #5
    Join Date
    May 2008
    Location
    Concord, CA
    Posts
    4,117

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    Some people mentioned getting through farm bureau in earlier threads.
    Dan

  6. #6
    Join Date
    Jul 2004
    Location
    Salem, Oregon
    Posts
    457

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    I have Country Insurance and I have to be a member of the state Farm Bureau to have it. I don't know if it covers honey selling or not, since I'm not selling honey.

    I'd check them out.

    Pugs

  7. #7
    Join Date
    Jun 2008
    Location
    Quapaw OK USA
    Posts
    262

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    State Farm has all of my needs.

  8. #8
    Join Date
    Jun 2004
    Location
    Jackson, MO
    Posts
    1,858

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    My local Farm Bureau agent wouldn't even come out of his office to talk to me. When the receptionist asked if she could help me, I stated my need. She went in the back office and came out in 30 seconds and simply said, "No."

    My homeowner's insurance also handles my personal auto insurance (Farmer's Insurance). He said "no" as well because I need business insurance for a commercial venture. He is such a great guy that he went searching for a local agent who carried commercial insurance. That guy called me and set up a meeting.

    We met and I stated my needs. He had a million questions. We went out to a bee yard and opened hives. We toured the farms so he could see my hives sit well back from the house, along the back fenceline and away from potential problems.

    Ignorance is our greatest problem, fear is our worst enemy. Bees have a bad perception but once the agent sees your operation as a business and can handle the negative ideas, it's not hard to find insurance.

    I have liability for premises (other people's farms) and product (my honey). I pay $512 (the minimum premium) for my policy.

    Grant
    Jackson, MO www.maxhoney.homestead.com
    Beekeeping With Twenty-five Hives: https://www.createspace.com/4152725

  9. #9
    Join Date
    Jan 2009
    Location
    Grosse Ile, Michigan, USA
    Posts
    2,833

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    Well, maybe my insurance premium isn't so bad after all ($300/yr.), it includes liability for my bees on others property and for my honey product. John

  10. #10
    Join Date
    Feb 2009
    Location
    New Cumberland, PA
    Posts
    1,380

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    Thanks everybody -- It looks like, I will be calling the Auto Insurance Company...

    I made a promise to myself that since my insurance company said no to me and with all the business that I drive to them, that I would venture out and get bids to replace them. I don't think that I have one of those good agents as it took them two weeks to get back to me to say no....

  11. #11
    Join Date
    Aug 2010
    Location
    Winchester, VA, USA
    Posts
    7

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    There are two places locally that offer beekeeping insurance...

    American National & Farm Family Insurance Companies

    and

    Farm Family Casualty Insurance Companies

  12. #12
    Join Date
    Feb 2009
    Location
    New Cumberland, PA
    Posts
    1,380

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    I received a quote back from my insurance agent and I am getting a policy that will cover my 100+ hives and my honey sales for $250/year.

  13. #13
    Join Date
    Jan 2010
    Location
    Gilmer,TX USA
    Posts
    1,830

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    I heard state farm mentioned earlier, I thought that they just covered house, auto, personal etc. Our family has been with them for 40+ years so we should be able to get a good rate. I would like one that covers equipment sales etc.

    Mike

  14. #14
    Join Date
    Aug 2010
    Location
    Hampshire County, WV
    Posts
    7

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    State Farm does offer farm insurance but not sure bees are covered under that...it would be worth a call to your agent though. I used to have SF on my vehicles...they were good to deal with.

    http://www.statefarm.com/insurance/other/farm.asp

  15. #15
    Join Date
    Aug 2007
    Location
    Lubbock, Texas
    Posts
    2

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    My Agent got me a policy through "Amtrust North America". It's a commercial policy for my beekeeping operation. The policy includes converage on my honey production and the rest of my farm equipment.

    Ben

  16. #16

    Default Re: Obtaining Insurance for Beekeeping /Beekeeping Sales

    Interesting about the Farm Bureau thing. I have Farm Bureau and had coverage extended to cover my beekeeping....no problem...
    Dan www.boogerhillbee.com
    Experience is a hard teacher because she gives the test first, the lesson afterwards

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