Insurance for a beekeeping operation can range from very basic to commercial in nature.
The non-commercial beekeeper selling at farm markets should be certain to (at least) have general liability coverage that provides third party liability coverage for their premise and for bodily injury caused by the use of their product. An example of premise liability would be someone falling in your booth and getting injured. This coverage could even apply if someone gets close to your hives and gets stung. Product coverage (can be included as a part of general liability) provides coverage for claims against you as a result of the use or consumption of your product. Examples might include someone having a reaction to a balm you sold or someone getting sick after consuming your honey. Do not count on your homeowner policy to provide this coverage.
General Liability policies not only potentially provide protection for you against lawsuits, but they also provide legal defense representation should you be sued for a covered peril. General Liability policies do not provide coverage for your equipment or inventory. Equipment and Inventory should be addressed with inland marine or business personal property coverage.
Commercial operations will want to consider general liability, business personal property and / or inland marine, commercial vehicle coverage, peak season inventory coverage, workers compensation if there are employees and umbrella liability to add another layer of protection from lawsuits. The needs of a commercial beekeeping operation are not unlike other commercial manufacturing businesses.
Beekeeping Insurance Services are specialists in working with beekeepers to provide them with the best possible options for their insurance needs. As licensed Crop Insurance Agents, their experts can work with you to best understand and take advantage of the benefits offered by the USDA’s Apiculture Insurance Program. Beekeepers from around the country who have colonies located in any one of the eligible states may enroll their colonies and take advantage of the benefits this program offers.
Beekeeping Insurance Services agents are members of the American Beekeeping Federation, California State Beekeepers Association, and the Florida State Beekeepers Association. They work with beekeepers for all their crop insurance needs at premium levels better than they might otherwise be able to obtain elsewhere.
For quotes and consultations, please contact:
Kevin Rader: 888-537-7088 or krader@beekeepingins.com
Lisa Martinetti: 888-537-7088 or lmartinetti@beekeepingins.com
Web site: www.beekeepingins.com
Texas Insurance & Financial Service, Inc. can customize your insurance coverage to meet the needs of your organization. From the local hobbyist to the largest commercial beekeeper, they will act as your advocate for risk management in the beekeeping industry.
Customized Coverage – Property & Casualty
For more information contact:
Texas Insurance & Financial Services, Inc.
102 N. Washington
El Campo, TX 77437
Phone: 979-543-2709
Toll-free: 800-541-9849
Web site: www.txins.com
WSR Insurance Services is one of the oldest and largest independently owned insurance agencies in Northern California. Since 1917, we’ve dedicated ourselves to providing our clients with the highest quality insurance products and services – on local, regional and national levels!
We represent a wide variety of insurance company partners that help us deliver a full line of insurance products and services to our clients. Our knowledgeable staff of insurance professionals tailor these programs, giving you superior protection at a price that makes bottom-line sense. We offer the highest quality products and services to protect both your business operations and personal protection needs. We specialize in insurance for beekeepers the in areas of lack of rainfall, farm policy and workers compensation.
Types of Insurance Offered:
For more information contact:
Stephanie Myers | 530-237-6282 | stephaniem@wsrins.com
David Westervelt | 352-267-4646 | davidw@wsrins.com
Andrew Finch | 850-333-2490 | andrewfinch@wsrins.com
