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Discussion Starter · #1 ·
Can anyone recommend an insurance company that writes a liability policy for a beekeeper with 10 or fewer hives. I have a quote from the Texas Insurance Company that was listed on the website of the American Beekeeper Federation. Their policy seems to be primarily for commercial activities.
 

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Why do you even think you need insurance? second if your a hobby beek your homeowners insurance may cover you if you think there might be a "litagation"
 

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I have a special policy through Farm Bereau for my bees. When I first contacted them, they wanted to also unwrite my homeowners policy. But, when the agent showed up and saw all my junk, he said they would skip the homeowners policy. :eek:
 

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Beeslave, problem with that is if you sell dollar #1 of any products, your homeowner's policy will not cover you. If you never plan on selling a single jar your homeowner's will do just fine.
 

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Discussion Starter · #7 ·
My aim is to establish a few hives in a location away from my home. Hence, my homeowner policy would not be of help. My homeowners insurance company declares that beekeeping is a high-risk activity and will not write a supplemental liability policy that would cover beekeeping. They opined that they would review my rates the next time my policy is renewed and that they would have limited liability for a claim involving bees located at my home. A lot of people seem to be relying on their homeowner policy for coverage. That might not be a good bet.
 

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are you a member of a local beekeeper assosiation??

here in the UK if your a full member of the local assosoiation your covered by the groups liablity insurance for up to 6 hives, then you can buy additional cover at £1 ($1.50) for every hive there after...

not sure if they offer the same sort of thing with the assosiations over the pond but worth finding out if your not a member of any yet.
 

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If you want the liability insurance because of the risk of being sued from someone getting stung and the bees are not at your house the umbrella policy should cover it. I went through this with my insurance company. I was told I would be covered even if the bees were not at my house.
 
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