Hive insurance, not BDI advice

[fred scuttle]

Hi does anyone have any advice whether it is possible to insure your hives against theft? I'm guessing not as they're in open fields but wondered if it's possible as I've now got 9 in out apiaries and have the usual Bee Disease Insurance but wondered if there was cover available if they went walkabout? Any advice greatly received.

 

[For want of a better word]

Try NFU Mutual

It is not cheap

Will insure your stock ( now bees are classed as Food Producing Stock... like other farm animals) and Hives, stands/ equipment etc etc on OR off your own premises.

The insurance I have extends to cover against statuary destruction of colonies and hives as part of bee disease control if a destruction order was imposed by the Bee Inspectorate....but this covers bee+hives as well as frames and foundation, and a loss of income.... capped at a reasonable sum according to the number of colonies you have.

This is why ALL beekeepers should look at their own Bio Security measures, limit the importation and movement of bees and equipment around the country, and notify Trading Standards about anyone importing foreign honey ( or other bee related items that could be carrying disease) without conforming to whole raft of Laws and regulations in place to try to protect our stock.

Bee Farmers also have a scheme, but it seems to become part of this elite you have to be invited!


Yeghes da

 

[dpearce4]

this is available through the bbka Copy and pasted off their website. cover is for out apiarys.


All Risks Insurance


Whether a you have an Association Apiary or one of your own, BBKA have negotiated competitive rates for members in partnership with Towergate Insurance, to cover your beekeeping equipment.


In partnership with Ansvar,Towergate Insurance offer a specialist scheme, Contents Insurance (All Risks) aimed at groups and organisations who are members of the British Beekeepers Association.

What’s covered?

A summary of the cover available is as follows:
•Apiary, Hive(s) and parts, Accessories
•Shed(s), Demonstrations Shelter(s), Log Cabins
•Workshops, Workbenches
•Floodlights, general electrical equipment
•Honey Extractor(s), Smokers, etc.
•Trophies and Silverware (maximum value £500)
•Clothing such as Beesuits, White coats, Aprons, Gloves etc
•Exhibition Stands and Content
•Computers, Projectors and electronic equipment.
•Microscopes, Books, etc.




Please contact Towergate Insurance for full details of the cover available, including any exclusions and limitations that may apply.

Please note that insurance is provided through a third party supplier via our broker, Towergate. The all risks policy has been negotiated by the Towergate on behalf of BBKA members and insurance applications and their outcomes are the decision of the underwriter, over which the BBKA or Towergate have no influence. Should your apiary site or equipment be stored be on an Environment Agency designated Flood Plain your application may be declined.

How do I arrange cover?

Please call 0844 892 1300 for more information and a free quotation or email: [email protected]

 

[oliver90owner]

Anything is insurable - at a price. Sometimes the premium would exceed the value of the item, in which case the item is clearly regarded as 'uninsurable'

 

[dpearce4]

Try NFU Mutual

It is not cheap

Will insure your stock ( now bees are classed as Food Producing Stock... like other farm animals) and Hives, stands/ equipment etc etc on OR off your own premises.

The insurance I have extends to cover against statuary destruction of colonies and hives as part of bee disease control if a destruction order was imposed by the Bee Inspectorate....but this covers bee+hives as well as frames and foundation, and a loss of income.... capped at a reasonable sum according to the number of colonies you have.

This is why ALL beekeepers should look at their own Bio Security measures, limit the importation and movement of bees and equipment around the country, and notify Trading Standards about anyone importing foreign honey ( or other bee related items that could be carrying disease) without conforming to whole raft of Laws and regulations in place to try to protect our stock.

Bee Farmers also have a scheme, but it seems to become part of this elite you have to be invited!


Yeghes da

they will invite anyone unless you have been blackballed lol or don't have enough hives.

 

[For want of a better word]

I looked at a few possibilities... have to say that when farm equipment and building were taken into account the NFU package seemed to be the most reasonable.. also covered produce producer liability/ stallholder 3rd party and up to five staff, now required by most of the "farmers markets"

Possibly a bit overkill for the 2 hive owner......

Like with the Lapland reindeer people... you should never as how many hives a beekeeper has ... or shouln't that be colonies!

Yeghes da

 

[dpearce4]

round here all the farmers markets are happy with the BBKA membership insurance. it must be you sell products that are not covered by it.

 

[Lucky Bee]

I've just insured £5,000 worth of kit for £83 following a theft earlier this year through Towergate Insurance. They won't insure the live bees but equipment is fine as long as it isn't kept in an area liable to flooding.

 

[dpearce4]

that's a lot of kit for 4 hives lol

 

[MikeT]

My hives and bees are covered in my NFU smallholder policy. Seems expensive but reduces the worry. I had a claim this year and they paid up without question.

Mike

 

[fred scuttle]

Thanks everyone for the great advice, I'm getting on the phone tomorrow morning first thing.... £83 sounds reasonable for the peace of mind.... Much appreciated

 

[Lucky Bee]

that's a lot of kit for 4 hives lol

I really should update my status - it's 9 hives now, and counting! Lol

 

[tidymeup]

I insured mine with NFU also, covered my extraction container and live stock, can't recall the price off the top of my head but it was for cover on over 30k's worth of stuff.