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  1. #1
    Join Date
    Aug 2009
    Location
    Finger Lakes, NY
    Posts
    138

    Default have you ever been sued?

    Is it worth it to not have insurance? How many here have ever been taken to court for their honey?

    I don't have any insurance now to cover my honey sales and should have a ~500 lbs to sell roadside, to friends and at several farm markets (through the man who own the farm, so maybe his will cover me? I'll ask him).

    From what I've seen here, some state have pretty strict standards, but here in NY the laws governing small honey sales seems much less ridgid.

    EDIT: how much do you sell a year and for how long have you been selling honey?
    Last edited by Bodhi; 08-22-2011 at 10:24 PM.

  2. #2
    Join Date
    Apr 2011
    Location
    Lafayette, IN
    Posts
    152

    Default Re: have you ever been sued?

    Never been sued over my bees or honey.

  3. #3
    Join Date
    May 2009
    Location
    Cattaraugus,New York, USA
    Posts
    345

    Default Re: have you ever been sued?

    I have never been sued either. I have a business set up thru the county, and follow the laws of NY. As far as honey sales, I have a roadside stand, and sell via word of mouth. I have pure and raw right on the label, so there is no question what they are buying.
    Allegany Mtn. Bee Farm
    Quality Queens and Honey from Western New York

  4. #4
    Join Date
    Mar 2011
    Location
    Sumter, SC
    Posts
    5

    Default Re: have you ever been sued?

    Although we have never been sued, we have insurance for our business - it's a little over $400/year.
    We found a great deal through Ted Wray with the Craft Agency.

  5. #5
    Join Date
    Oct 2010
    Location
    Baker Oregon
    Posts
    2,416

    Default Re: have you ever been sued?

    I have been threatened with a business related liability law suit (not bee related). My liability insurance took care of the whole thing and the whole issue went away after a single letter from the liability insurance attorney.

    Worth every penny IMO.
    Dan
    Dan Hayden 4 Years. 12 hives. Tx Free. USDA Zone 5b.

  6. #6
    Join Date
    Apr 2011
    Location
    Branson, MO
    Posts
    577

    Default Re: have you ever been sued?

    [/QUOTE](through the man who own the farm, so maybe his will cover me? I'll ask him).[/QUOTE]

    His will not cover you unless you are listed on his policy.

  7. #7
    Join Date
    Aug 2010
    Location
    Freeland, Washington, USA
    Posts
    107

    Default Re: have you ever been sued?

    The coverage costs so little, I pay $600 a year, that it is worth it to me in case I do get sued. I have been involved in lawsuits before and the costs build up quickly over even minor issues. I would rather pay the $600 and be safe than have to come up with $6,000 to cover a lawsuit.

  8. #8
    Join Date
    Dec 2005
    Location
    Brasher Falls, NY, USA
    Posts
    27,673

    Default Re: have you ever been sued?

    You won't think product liability is worth it until you need it.

    I have a friend who dropped his Fire Coverage on a house he owned because he was living there. In hind sight, that seemed kind of stupid when he got home to find his house fully engulfed in flames. Thye arsonist got 7 years and a $100,000.00 claim against him is pending, but the arsonist doesn't have any money. So boy, wouldn't some insurance come in handy?

    I've never been w/out it.
    Mark Berninghausen To combat Ebola, please consider supporting http://www.doctorswithoutborders.org


  9. #9
    Join Date
    Jul 2011
    Location
    Macoupin,Illinois,USA
    Posts
    355

    Default Re: have you ever been sued?

    don't think of it as insurance think of it as peace of mind,if you got it you have one less thing to worry about, maybe i should add my buddy is an insurance salesman

  10. #10
    Join Date
    Jun 2004
    Location
    Jackson, MO
    Posts
    1,858

    Default Re: have you ever been sued?

    I have a policy that costs me $512 per year. I have 20+ locations and this policy covers liability if someone gets stung on one of those locations. In this day and age, even vandals trespassing on private property can get stung and sue you if they get stung.

    I'd rather pay the premium and let the lawyers work it out.

    I also have product liability insurance in case someone has some allergic reaction, or like they did with Wendy's chili, put a human finger in one of my jars of honey.

    People do strange things to coerce some money from you.

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

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