Insurance

[Gaz1]

Decided this year I may as well get insurance from the bbka. What one do must people have? Had a look and not sure just want a nice application form I can fill online and be done with you know

 

[ShinySideUp]

Just go to the BBKA website; the form is there under 'Join Us'

 

[Briarfield]

Just go to the BBKA website; the form is there under 'Join Us'

Why do you want individual membership? It's £38, our association gives BBKA membership and more for £26

 

[Gaz1]

Why do you want individual membership? It's £38, our association gives BBKA membership and more for £26

Ye that's what I heard but can only find the join us which is the individual membership. I go on find association and that's as far as I get

 

[B+.]

Ye that's what I heard but can only find the join us which is the individual membership. I go on find association and that's as far as I get

I'm not sure why you are doing this direct through BBKA.
I'm a member of two associations (Bedfordshire which is not affiliated to BBKA and North-Buckinghamshire which is affiliated). I just pay my membership subscription plus any extras to the association. They deal with the payment to BBKA. Isn't this how it works everywhere?

 

[Gaz1]

I'm not sure why you are doing this direct through BBKA.
I'm a member of two associations (Bedfordshire which is not affiliated to BBKA and North-Buckinghamshire which is affiliated). I just pay my membership subscription plus any extras to the association. They deal with the payment to BBKA. Isn't this how it works everywhere?

I dunno first time I've tried getting some not in an association at the moment

 

[For want of a better word]

Gaz I think you need to look on the Cornwall Bee Keepers Association pages, I think Roseland group? would be your closest and strongly suggest you join them.

BBKA BDI ( for what it is worth) is paid pro rata for the number of colonies you have, and includes minimal insurance for related beekeeping activities.
If you get into a situation where you are considering selling honey etc at farmer's markets, then I would suggest a separate market traders policy from ( say) NFU Mutual.

Myttin da

 

[Beefriendly]

I dunno first time I've tried getting some not in an association at the moment

Joining the BBKA automatically gives you their insurance cover. If you look in the members section (need to join before you can look there ) there is a downloadable certificate that you can print out to cover you if you are doing Farmers markets or the likes.
It's a reasonable insurance policy, not totally comprehensive but should cover you for most bee keeping related activities and selling honey.

 

[For want of a better word]

Joining the BBKA automatically gives you their insurance cover. If you look in the members section (need to join before you can look there ) there is a downloadable certificate that you can print out to cover you if you are doing Farmers markets or the likes.
It's a reasonable insurance policy, not totally comprehensive but should cover you for most bee keeping related activities and selling honey.

BAD ADVICE... Majority of Farmers markets in Cornwall and Devon would NOT accept the BBKA insurance cover that we had for selling honey.
All insisting on a full products liability insurance, public liability insurance with all of the larger markets asking for a full risk assessment as well!

BBKA insurance may possibly cover small quantities sold " over the gate".



From my own experience in looking into the BBKA cover, it was somewhat similar to the cheepo motor insurance policies... Road Traffic Act Only... less than Third party only motorcycle policies that were available as a bare minimum to hard up harries like me in me yoof!!!

Be warned

Yeghes da

 

[Erichalfbee]

BAD ADVICE... Majority of Farmers markets in Cornwall and Devon would NOT accept the BBKA insurance cover that we had for selling honey.
All insisting on a full products liability insurance, public liability insurance with all of the larger markets asking for a full risk assessment as well!

BBKA insurance may possibly cover small quantities sold " over the gate".



From my own experience in looking into the BBKA cover, it was somewhat similar to the cheepo motor insurance policies... Road Traffic Act Only... less than Third party only motorcycle policies that were available as a bare minimum to hard up harries like me in me yoof!!!

Be warned

Yeghes da

That is quite shocking. There must be thousands of beekeepers selling their honey with just this insurance in place. Whenever i sell at my local farmers' market they have always accepted the insurance certificate from the WBKA

 

[Beefriendly]

BAD ADVICE... Majority of Farmers markets in Cornwall and Devon would NOT accept the BBKA insurance cover that we had for selling honey.

Good advice, accepted just about everywhere else. Cornwall and Devon are acting illegally by not accepting a totally valid third party insurance.

 

[For want of a better word]

That is quite shocking. There must be thousands of beekeepers selling their honey with just this insurance in place. Whenever i sell at my local farmers' market they have always accepted the insurance certificate from the WBKA

I only speak from my own experience, perhaps the WBKA have negotiated something different.
We have cover from BFA and that is backed by an extensive NFU Mutual market traders and small holders policy.... and that in all costs considerably more than £26 !

Remember the advert... Strong stuff this insurance Fred?

Written in a lift at the Legal & General offices in Temple London... Freds strong .. stuff insurance!!

Yeghes da

 

[For want of a better word]

Good advice, accepted just about everywhere else. Cornwall and Devon are acting illegally by not accepting a totally valid third party insurance.

Suggest you contact "Taste of the West" and tell them!
The question is on PRODUCTS LIABILITY....... and the BBKA insurance is not accepted... needless to say we are not talking a £5 pitch here at a garden open day... more like £300+ for a 2 day professionally organised event



Yeghes da

 

[Beefriendly]

Suggest you contact "Taste of the West" and tell them!
The question is on PRODUCTS LIABILITY....... and the BBKA insurance is not accepted...

They are acting illegally as PRODUCTS LIABILITY to 10,000,000 is covered in the BBKA policy. SEE BELOW IN BOLD....cribbed from the Devon beekeepers site http://www.devonbeekeepers.org.uk/bbkainsurance.html

The Public Liability Policy relates to beekeeping activities of those members noted above in the UK and has a £10,000,000 limit of liability.

A Members Liability Verification Certificate is available for members attending farmers markets etc., where proof of cover is required (see Insurance Details on this page).

The Public Liability insurance also covers officers of branches and associations undertaking their activities in connection with their group.

In addition the insurance covers product liability up to £10,000,000 . An overall limit of £25,000,000 applies to all claims under this policy in a policy year.

 

[Erichalfbee]

I don't know. Maybe not. Surely markets make their own rules?

 

[Beefriendly]

I don't know. Maybe not. Surely markets make their own rules?

No, Icon is just getting in his usual muddle by not fully understanding things and spouting off half cocked information. The insurance is legally valid anywhere in the UK but on it's own it is not sufficient to get you on many markets.....

You need (in addition to your insurance) a food hygiene certificate which is issued by the local authorities. You need to have both for the top markets, but not all markets insist on the food hygiene certificate, yet.

So in some way Mr. Hoppit is right in that if you apply with only your BBKA insurance they will not accept you to trade, but the reason you are being refused (and this is where I think he has got it wrong) is because you do not have a food hygiene certificate as well. If they refuse you with both they may just be trying to tell you that they have too many honey traders and don't want another....but that is the nature of market trading.
Most beekeepers do not hold a food hygiene certificate and this limits their markets to those that don't require this extra piece of bureaucracy.

 

[dpearce4]

Perhaps Cornwall has already had their own version of Brexit and left the UK hence not covered by BBKA.

 

[For want of a better word]

No, Icon is just getting in his usual muddle by not fully understanding things and spouting off half cocked information. The insurance is legally valid anywhere in the UK but on it's own it is not sufficient to get you on many markets.....

You need (in addition to your insurance) a food hygiene certificate which is issued by the local authorities. You need to have both for the top markets, but not all markets insist on the food hygiene certificate, yet.

So in some way Mr. Hoppit is right in that if you apply with only your BBKA insurance they will not accept you to trade, but the reason you are being refused (and this is where I think he has got it wrong) is because you do not have a food hygiene certificate as well. If they refuse you with both they may just be trying to tell you that they have too many honey traders and don't want another....but that is the nature of market trading.
Most beekeepers do not hold a food hygiene certificate and this limits their markets to those that don't require this extra piece of bureaucracy.

Usual boll*cks from the dissenter!

I spoke to one of the organisers for a company who arranges many of the West Country food fares held on National Trust properties to ascertain if the BBKA Insurance was adequate for their events....

It is not.

Advice would be to find out what the facts, rules and regulations are for yourself before taking the word of one forum member, who it seems resides under a smelly bridge somewhere north of Manchester!

Myttin da

 

[For want of a better word]

Perhaps Cornwall has already had their own version of Brexit and left the UK hence not covered by BBKA.

Our Trading Standards department seems to be very hot on food hygiene.....
possibly because we get a massive influx of tourists due to this PoldarK effect!

Myttin da

 

[Beefriendly]

Usual boll*cks from the dissenter!

As someone involved in setting up and organizing some of the larger food festivals and farmers markets in the NE I have a vested and professional interest in making sure traders are given correct and accurate information about the certification they require to be able to sell their products on our and other local markets. I wouldn't be doing my job correctly if I didn't.
What I find annoying is people who think they know what is required but patently don't have a clue and then they go and provide misleading information to anyone wishing to sell their products at these markets or shows.

As I've already stated BBKA insurance on it's own is not sufficient, you also need your food hygiene rating certificate and we insist on a minimum of a 4 star rating. We used to ask for peoples personal food hygiene certificate as well, but as this is now a mandatory requirement for being awarded a food hygiene rating (in the North at least) we no longer do so.

Personally I couldn't give a damn about big expensive events organised by Taste of the West and their likes. They are the antithesis of what good farmers markets and food festivals are about. If they are so arrogant as to not recognize a perfectly valid legal insurance document that is accepted by every other major food festival organisation (including the BBC Good food show) then they are an arrogant bunch of pricks. They are doing the small producer a major disservice by promoting the already established big companies. They deserve all the disdain that can be heaped upon them, as do those who promote their greed and profiteering ways.