Welcome to the forum Alex, it is good to have an official BFA voice on here, and thanks for your comments, I feel the real problem is that members will see this as a loss of an existing primary benefit of membership, I don`t think the extra financial cost of insurance to individual members is the real problem, more that members will still pay the same subscriptions cost but will receive less for it, more a principle you could say, as i have said in an earlier post I will renew my membership and see what happens, as I also mentioned before and agreeing with Peter D, I would like to see more help for smaller bee farmers who wish to expand or those setting up, these members are the future of bee farming in the UK.