hive insurance

[Andre cardona]

where can i get insurance for my hives thanks
or dus some one know where to get a chip to trak hive if they move thanks all

 

[biglongdarren]

your local association should cover all that surely?and if your not in one maybe you should join?might work out cheaper.
Darren

 

[Andre cardona]

so i have cover throw association if hives get niked

 

[dpearce4]

not for theft. i dont think there is anywhere you can get theft insurance due to the fact they are not secure.

if they are in your garden then you might get cover with your home policy.

 

[Russel]

The NUF cover our associations bee keeping and other equipment against loss/theft but not our members kit and BDI only covers some of your kit in the case of E/AFB.

Check your household contents provider does not already cover or ask as an addition to your current cover, that's assuming you have contents ins.

Russ

 

[roche]

so i have cover throw association if hives get niked

er - no.

You would have cover for third party liability and product liability.
You would also have cover for some elements of the hive/brood in the event of a brood disease requiring the destruction of a colony.

 

[For want of a better word]

No policy SPECIFICALLY for non commercial beekeepering is available as far as I am aware.. and I have looked into it at great length for our Honey Co-operative members.

IMHO the BBKA insurance is minimal, but may cover you against 3rd party risks, but would NOT cover you for neglect. And it is neglect that will cost you... i.e. a shard of glass in your bottled honey IS YOUR FAULT. Products liability will not cover you for neglect or your negligence!... but the insurer may give you some legal advice and generally will advise you to settle "out of court"...

I can only presume that the onus would be placed on any individual attempting to sue you for compensation through the courts and they would have to prove that the bees / honey etc. was yours, and you had been neglectful in your actions causing their injury / loss.
As far as I can ascertain the BBKA insurance would not undertake to defend you against any such claim, and or compensate you / pay the massive costs involved for a barrister!

Your home insurance may cover you for litigation ... but only to the tune of £10,000 and if 95% sure of winning.

As for theft cover in an out apiary ( i.e. not in your garden) most unlikely

Commercial cover is a different issue, but the premiums for cover do not come cheap!

All insurance policies should come with a warning... Let the buyer beware!

 

[Into the lions den]

Commercial cover is a different issue, but the premiums for cover do not come cheap!

lol.....aint THAT the truth.

BFA insurance in my case just about as good as no cover at all, so do not take it. Tried several times to get a good quote for private insurance, and the premiums are about the equivalent of losing one third of everything every year. Plainly not economic, so I run with no insurance other than public liability. I do not sell ANY honey other than in bulk so do not need product liability. The last year I had product liability was 10 years ago now and it cost me over 3K a year even then.

With the bees spread over , in the high season, in excess of 100 apiaries, the risk of a catastrophic loss is tiny, so over the years the losses are far less than the premiums. Easy calculation. Tougher choice if you have only asmall number of hives on one location. A single visit from a bee thief (the lowest and most despicable creature known to man) can clean you out. I would worry more about it under that situation.

 

[Hombre]

It's the same with public buildings, weighing up the costs versus benefits.

Not quite the same as trying to insure fighting vehicles though!

Have a road traffic act with the Police or Military and they repair their own and if you are lucky you will get compensation. The Monastry of Defence is not known as a fast payer though, even to their contractors.

 

[alanf]

dus some one know where to get a chip to trak hive if they move thanks all

There are previous threads that includes some discussion of marking hives to enable recovery, such as this one http://www.beekeepingforum.co.uk/showthread.php?t=15624

Active tracking involves something like mobile phone technology. Possible, but most of the existing systems are aimed at vehicle theft. Cost runs to hundreds of pounds per tracker. They also assume a power supply and are wired into the vehicle 12volt. If you thought you had a particularly high risk hive you could try a simple mobile phone. Several commercial companies offer a positioning system aimed at checking where your children or elderly relatives are. Practicalities you would have to think about would be how a phone could be concealed but still available for charging or battery exchange.

 

[susbees]

IMHO the BBKA insurance is minimal, but may cover you against 3rd party risks, but would NOT cover you for neglect. And it is neglect that will cost you... i.e. a shard of glass in your bottled honey IS YOUR FAULT. Products liability will not cover you for neglect or your negligence!...

Which is why we spent ages on a thread on HACCP recently - you are supposed to have in place some written procedures which show you have done the best you can to avoid contamination etc. Then you have at least one leg to stand on if you find yourself in court.

As for the insurance against theft, certain insurers (and I know of one for definite) that will give hive cover at no extra premium...I expect this is only for home apiaries. The BBKA policy is being extended to cover for the individual the sort of things already covered by their association policies for an extra premium in the near future (I believe) but no details yet.

 

[For want of a better word]

Quote:
Originally Posted by icanhopit View Post
IMHO the BBKA insurance is minimal, but may cover you against 3rd party risks, but would NOT cover you for neglect. And it is neglect that will cost you... i.e. a shard of glass in your bottled honey IS YOUR FAULT. Products liability will not cover you for neglect or your negligence!...


Which is why we spent ages on a thread on HACCP recently - you are supposed to have in place some written procedures which show you have done the best you can to avoid contamination etc. Then you have at least one leg to stand on if you find yourself in court.

Quite...
One leg perhaps! ... the other one removed along with and arm to pay the Courts costs / barristers defence etc??

 

[psafloyd]

No policy SPECIFICALLY for non commercial beekeepering is available as far as I am aware.. and I have looked into it at great length for our Honey Co-operative members.

IMHO the BBKA insurance is minimal, but may cover you against 3rd party risks, but would NOT cover you for neglect. And it is neglect that will cost you... i.e. a shard of glass in your bottled honey IS YOUR FAULT. Products liability will not cover you for neglect or your negligence!... but the insurer may give you some legal advice and generally will advise you to settle "out of court"...

!

Surely insurance cover is almost by definition to cover incidences of negligence? That might include a shard of glass in your honey IF you had product insurance in your cover.

 

[For want of a better word]

Surely insurance cover is almost by definition to cover incidences of negligence? That might include a shard of glass in your honey IF you had product insurance in your cover.

There was a instance some years ago when a client who had an alarm system installed suffered a burglary, the insurers refused to pay out as they claimed he had been negligent in not setting the system properly. He thought that he was covered as his insurance policy stated that he had to have an alarm system installed, not that he had to set it !
So that he could set the alarm a "faulty" motion detector had been "zoned out" .. he should have called an engineer, but was desperate to get home to his daughters 21st birthday party.
The later inspection showed that the detector had been interfered with by the burglars prior to their burglary through a roof light.....

Fortunately the Police later caught the burglars and most of the jewelry was returned.

Even with a HACCP being in place I suspect that the insurers would wriggle out of payment in some way or another!

Retirement has been delightful!