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.
Just say NO to excuse-izm!
If my bees die, I am responsible.