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  1. #1
    Join Date
    Jan 2012
    Location
    Pisgah Forest, NC, USA
    Posts
    58

    Default Insurance question.

    I've noticed over the last couple of weeks that there have been at least a couple of folks reporting that their bees were stolen. It got me to thinking, for you folks who have multiple yards, and many many hives, do you have insurance to protect yourself in the event that something does happen like a theft. Is there even such an option?

  2. #2
    Join Date
    Sep 2007
    Location
    Hudson, WI USA
    Posts
    2,238

    Default Re: Insurance question.

    A good question, and how do/would assessors value a hive? I have also noticed (on the forum) a few people talk about leaving hives onto a trailer for a flow, and I worry about how susceptible they would be to theft.

  3. #3
    Join Date
    Jan 2010
    Location
    NAVAJO, ARIZONA USA
    Posts
    174

    Default Re: Insurance question.

    I am still waiting to hear back from the insurance company but will post when they let me know.

  4. #4
    Join Date
    Feb 2006
    Location
    Herrick, SD USA
    Posts
    4,556

    Default Re: Insurance question.

    There are many risks in this business, only some of the thefts happen in the dark of the night.
    "People will generally accept facts as truth only if the facts agree with what they already believe."- Andy Rooney

  5. #5
    Join Date
    Nov 2008
    Location
    Grand Rapids, Ohio
    Posts
    866

    Cool Re: Insurance question.

    I have more hives lost to trees then thefts.

  6. #6
    Join Date
    Apr 2005
    Location
    Salem, Oregon
    Posts
    981

    Default Re: Insurance question.

    I have Country Mutual "Agri-Plus" whole farm insurance.
    This covers home, shops, tractors, livestock, liability, EVERYTHING.
    With them, you declare the value of certain items like beehives and your premium is scaled accordingly.
    So, how much do you want your hives insured for? $100.00? $150.00? It is your choice but you will pay more for a higher amount.
    I insured my Hot-Rod Grabber forklift for $30,000.00. Why? because if it was wrecked I would need to instantly replace it with something, probably a slow-pokey lacidazyical Swinger or Hummer until I could build another. So in that case it was replacement value with somthing that would get me by.
    When the bees are in honey yards or holding yards is one thing, but I have a standard contract that I use with all of my growers that, among other clauses states:

    " The cost of the destruction of beehives due to any vandalism, movement, theft or relocation by trespassers, friends, family, the grower, agent or employees of the grower shall be borne by the grower and/or property owner at the rate of $200.00 per hive So, PLEASE for your own safety and fiscal liability and responsibility do not touch the hives in any manner."

    I have never used this althoug I did have hives shot up in pumpkins once. I chose to eat it that time. Anyway, if hives got stolen during pollination I'm sure my insurance company would want to go after the grower. Not sure how that would all work out in the end.

    I don't know about all of you but I am taking serious measures to discourage theft in almonds this year. There are going to be serious shortages and that always means theft. What those measures I prefer not to disclose but they are solid.
    I have exactly ONE hive more than you.
    That makes my opinion beyond question.

  7. #7
    Join Date
    Oct 2011
    Location
    Clark county, Illinois, USA
    Posts
    220

    Default Re: Insurance question.

    Quote Originally Posted by HarryVanderpool View Post
    I don't know about all of you but I am taking serious measures to discourage theft in almonds this year. There are going to be serious shortages and that always means theft. What those measures I prefer not to disclose but they are solid.
    Stock them all with AHB. That will teach them thieves

  8. #8
    Join Date
    May 2011
    Location
    Livermore, CA
    Posts
    1,408

    Default Re: Insurance question.

    Quote Originally Posted by Adrian Quiney WI View Post
    I have also noticed (on the forum) a few people talk about leaving hives onto a trailer for a flow, and I worry about how susceptible they would be to theft.
    Im leaving my hives on a trailer, but im also going to be behind a locked gate and will also put a hitch lock on. Was debating about taking the tires off, but if the thieves really want the bees, they will get them somehow. Portable power tools make life a lot easier for thieves these days as well.
    Coyote Creek Bees

  9. #9
    Join Date
    Dec 2006
    Location
    St. Albans, Vermont
    Posts
    5,540

    Default Re: Insurance question.

    Quote Originally Posted by BeeGhost View Post
    Im leaving my hives on a trailer, but im also going to be behind a locked gate and will also put a hitch lock on.
    Locks keep honest people honest.

  10. #10
    Join Date
    May 2011
    Location
    Livermore, CA
    Posts
    1,408

    Default Re: Insurance question.

    Quote Originally Posted by Michael Palmer View Post
    Locks keep honest people honest.
    Yup, and that's about it!
    Coyote Creek Bees

  11. #11
    Join Date
    Jul 2012
    Location
    Toowoomba, Queensland, Australia
    Posts
    104

    Default Re: Insurance question.

    In Australia, there's a company called Wesfarmers that advertises in a Tasmanian beekeepers' newsletter:

    '... gives you the option of insuring your bee-hives against accidental loss, damage or theft. This option not only provides cover for your bees but also extends to the honey in the beehives and the honey extracted from the beehives."

    With the number of bushfires and floods in Australia this year, I wonder how much the premiums cost.
    Jeanette
    HiveTasks Software for beekeepers

  12. #12
    Join Date
    Nov 2009
    Location
    salisbury, wiltshire, united kingdom
    Posts
    73

    Default Re: Insurance question.

    The situation is some what different over here in the UK in that there is no insurance company that will cover hives against theft, there is one system aimed at hobbyist beekeepers but that is only for disease, we all have to take the risk and the hit if and when it happens

  13. #13
    Join Date
    Sep 2010
    Location
    Stafford, Virginia
    Posts
    296

    Default Re: Insurance question.

    I have liability and hive insurance through Texas INsurance. My colonies are insured for 110.00 each for theft, damage, etc. There is a 250.00 deductible. Had to use them once this past summer from damages as a result of high winds. Excellent service.

  14. #14
    Join Date
    Jan 2005
    Location
    souris, manitoba, canada
    Posts
    779

    Default Re: Insurance question.

    Harry Vanderpool said "There are going to be serious shortages and that always means theft. "

    Looks like there are some serious shortages of bees in eastern Canada for pollination.www.gnb.ca/0027/HoneyBeeGuidelines.pdf, New Brunswick is actually paying keepers to expand

    Seems there is a world wide shortage of bees for pollination

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