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  1. #21

    Default Re: Difficult time finding insurance

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

  2. #22
    Join Date
    May 2007
    Location
    Hays, Kansas, USA
    Posts
    1,080

    Default Re: Difficult time finding insurance

    Check to see if ANPAC American National Property & Casualty offers policies in your state. Excellent rates including property, premises liability, products & completed operations liability, etc. Farm Bureau differs from one state to another. Here in Kansas, they had to write a special liability rider at minimum premium of $250 as bees & the prodcuts of the hive were a no-go for liabilty. My regular personal lines agent had to look for a special lines liabilty policy at $500 min. premium/year. ANPAC wrote the farm, home, and liability coverages for less $$ in a single package.
    Don't confuse me with facts... my mind is made up.

  3. #23
    Join Date
    Oct 2011
    Location
    Robesonia, Pa., USofA
    Posts
    439

    Default Re: Difficult time finding insurance

    Bingo!!!

    We are getting coverage at a very reasonable rate through these folks:

    Timothy C. Weaverling, CIC,CISR,CWCA
    Reed, Wertz & Roadman, Inc.
    Regional Office of Keystone Insurers Group
    702 W. Pitt Street
    P.O. Box 640
    Bedford, PA 15522
    (800) 458-5856 - Toll Free
    (814) 624-2314 - Local Direct
    (814) 624-2315 - Direct Fax
    (814) 931-7767 - Cell
    tweaverling@rwrinsurance.com
    Facebook: http://www.facebook.com/RWRInsurance
    Twitter: http://twitter.com/RWRInsurance
    I found them through these folks: http://www.auto-owners.com/


    Our premium is $265.00 and covers:
    Selling honey
    Bees on our property

    If we expand operations to a remote bee yard, it just gets added on to the policy with no increase in the premium.

    Now I can sleep again at night...

  4. #24
    Join Date
    Feb 2012
    Location
    Hartford, CT
    Posts
    607

    Default Re: Difficult time finding insurance

    If your insurance is being sold to someone else they're tacking on a profit for their greedy selves for doing nothing. The more policies go to a single insurance agent the better price they can likely do.

  5. #25
    Join Date
    Feb 2004
    Location
    Fredericksburg, Va
    Posts
    798

    Default Re: Difficult time finding insurance

    I have a policy from Farm Burea for just my bee operation. However I feel that the state beekeepers associtations should provide a group insurance policy option to its members. And as an added benefit it could adjust rates or coverage options for master beekeeping certification levels.
    Bee all you can Bee!
    http://www.hamiltonapiary.net

  6. #26
    Join Date
    Sep 2009
    Location
    Myrtle Beach, SC, USA
    Posts
    876

    Default Re: Difficult time finding insurance

    Allen do they only write insurance in PA?
    https://www.facebook.com/stevesbees99
    Please visit my page, Thanks

  7. #27
    Join Date
    Oct 2011
    Location
    Robesonia, Pa., USofA
    Posts
    439

    Default Re: Difficult time finding insurance

    I'm not sure about that.
    Here is contact info for another one that called me after I went with Keystone.
    Funny thing though, he was googling beekeepers looking for insurance, saw this thread and backtracked me through my website.

    Jimmy SalmansField Underwriter
    Prime Insurance Company
    Phone: (801) 304-5557
    Fax: (801) 233-5257
    Email: jimmys@primeis.com

  8. #28
    Join Date
    Jul 2008
    Location
    Aberdeen, Idaho
    Posts
    473

    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

  9. #29
    Join Date
    Oct 2011
    Location
    Robesonia, Pa., USofA
    Posts
    439

    Default Re: Difficult time finding insurance

    When I clicked on Farm Bureau for contact info it sent me to Nationwide.
    Nationwide said Farm Bureau is part of their company.

  10. #30
    Join Date
    Jul 2010
    Location
    jackson county, alabama, usa
    Posts
    4,579

    Default Re: Difficult time finding insurance

    i was able to get product and additional liability with farmer's, not very expensive either.
    journaling the growth of a treatment free apiary started in 2010. 20+/- hives

  11. #31
    Join Date
    Apr 2007
    Location
    Northern Virginia
    Posts
    758

    Default Re: Difficult time finding insurance

    Quote Originally Posted by JohnBeeMan View Post
    I have a policy from Farm Burea for just my bee operation. However I feel that the state beekeepers associtations should provide a group insurance policy option to its members. And as an added benefit it could adjust rates or coverage options for master beekeeping certification levels.
    Sigh- In your dreams John! But what a good idea though. The VSBA is not even registered with the State as an organization as far as I know nor with the IRS - they just keep collecting dues and increasing the price of attending meetings. Many other organizations have such an insurance arrangement such as the American Wine Tasting Society for example. If you are a member then all are covered at your event for liability. There are also other models of this.

    That being said- I found Farm Family to have the best policy- when combined with home owners insurance. less than $300 for 2 million liability. But technically it does not cover stings or sting injuries- covers liability related to honey, etc. and a few other things. Farmers Insurance even recommended them! Same exact thing as that outfit in Texas that advertises in the bee magazine but half the price and a local agent.
    karla

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