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  1. #1
    Join Date
    Oct 2011
    Location
    Robesonia, Pa., USofA
    Posts
    442

    Default Difficult time finding insurance

    For the past two weeks I've been attempting to find an insurance company that will work with me.
    I'd like liability coverage for selling honey and for placing hives on someone elses land.

    I've contacted:
    State Farm
    Erie
    Farm Burea (which directed me to Nationwide)
    Nationwide
    Lititz Mutual (who directed me to a local agent)
    Westfield (who directed me to a local agent)

    Anyone have any other suggestions?
    Last edited by Allen; 07-20-2012 at 10:36 PM.

  2. #2
    Join Date
    Jun 2012
    Location
    Bloomfield,KY
    Posts
    284

    Default Re: Difficult time finding insurance

    We have an agent here in KY the advertises beekeeping insurance. All I have is the ph# 1-866-456-2572. Don't know if it will help but may be able to direct you t someone.

  3. #3
    Join Date
    Nov 2004
    Location
    Camas, WA
    Posts
    1,961

    Default Re: Difficult time finding insurance

    I use Encompass (CNA) and they added Incidental Farming for less than $100/year. I do have my car, home and umbrella policy with them, so that's why it was just an add-on.

  4. #4
    Join Date
    Apr 2012
    Location
    St. Clements, Ontario, Canada
    Posts
    15

    Default Re: Difficult time finding insurance

    Our provincial bee association (ontariobee.ca) offers insurance to members. It is offered through the cooperators insurance company. I'm not sure if they have coverage in the USA or not. Maybe check with your local association for contacts.
    Last edited by wannabeefarms; 07-20-2012 at 09:33 PM.

  5. #5
    Join Date
    Oct 2011
    Location
    Robesonia, Pa., USofA
    Posts
    442

    Default Re: Difficult time finding insurance

    Forgot to mention I also left a message with our state organization to see what they have to say.

  6. #6
    Join Date
    Feb 2009
    Location
    Murfreesboro, TN, USA
    Posts
    1,398

    Default Re: Difficult time finding insurance

    Currently I have around 40 hives at 8 locations. About half of them are in my back yard here in town. I have Farm Bureau insurance. Had an agent talk to us this year to update their records. Mentioned my bees. They changed my policy to include liability insurance against the bees in all 8 locations. Since each apiary is not very large and they wanted total acerage the agent told me to put 1 acre for each location. I just got to notices from them this week. One was a cancellation of my policy and the other is a renewal policy with "farm" for my property and includes all locations.

    Farm Bureau is the only insurance company I have dealt with for most of my life. Both in SC and here in TN.
    De Colores,
    Ken

  7. #7

    Default Re: Difficult time finding insurance

    Quote Originally Posted by Allen View Post
    I'd like liability coverage for selling honey
    All the rest is pretty simple. This, on the other hand, requires product liability insurance.
    Dan www.boogerhillbee.com
    Experience is a hard teacher because she gives the test first, the lesson afterwards

  8. #8
    Join Date
    Oct 2011
    Location
    Robesonia, Pa., USofA
    Posts
    442

    Default Re: Difficult time finding insurance

    Just heard from Nationwide (Farm Bureau).
    They will provide coverage for $690 for the following:
    selling honey
    bees on our property
    bees on someone elses property (which isn't gonna happen right away anyways)

    Farm Family came right out yesterday and spent some time here reviewing our options.
    Am waiting to hear back from them.

    Also waiting on Bush Insurance.

    If FF and BI are close to the same price, am not sure what we will do.

    Am I out of line thinking $690.00 is a bit much?
    I'm curious what some of the other small operation honey sellers are paying.

  9. #9
    Join Date
    Nov 2009
    Location
    Jacksonville, Florida
    Posts
    1,750

    Default Re: Difficult time finding insurance

    Thats about twice what I'm paying. I would keep shopping.

  10. #10
    Join Date
    Oct 2011
    Location
    Robesonia, Pa., USofA
    Posts
    442

    Default Re: Difficult time finding insurance

    Forgot to mention that Nationwide got that price thru First Financial Insurance.

    I could see the cost of insurance causing some folks to go without and hope nothing happens.

  11. #11

    Default Re: Difficult time finding insurance

    the price you pay will also depend on your credit rating. I pay about $300

  12. #12
    Join Date
    Jul 2008
    Location
    Aberdeen, Idaho
    Posts
    530

    Default Re: Difficult time finding insurance

    We have a Country Squire policy with Farm Bureau with the farm umbrella package, plus a liability policy with Farm Bureau too. I am surprised Farm Bureau sent you to Nation Wide.
    Dave

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