Author Topic: Insurance! (Read 13224 times)

LazyBkpr · « **on:** February 05, 2014, 09:48:38 pm »

The wife sent the insurance company some paperwork, and was promptly notified that she was NO LONGER INSURED and that a refund check would be in the mail tomorrow..
A call from her revealed that it was because of the bees.. what the &%@#??!?!?!?

So who do you get your insurance from? I would appreciate a heads up. We need insurance!

iddee · « **Reply #1 on:** February 05, 2014, 09:59:13 pm »

Farm Bureau

riverbee · « **Reply #2 on:** February 05, 2014, 10:15:08 pm »

foremost, a division of farmers insurance......

been there, done that with the bee thing.....

lazy shooter · « **Reply #3 on:** February 05, 2014, 11:09:45 pm »

What Iddee said, "Farm Bureau."

LazyBkpr · « **Reply #4 on:** February 06, 2014, 12:26:11 am »

Thanks! I will tell her to check with Farm Bureau!!!

Slowmodem · « **Reply #5 on:** February 06, 2014, 03:29:30 am »

Are you referring to homeowner's insurance?

Perry · « **Reply #6 on:** February 06, 2014, 06:36:20 am »

Exact same thing happened to me years ago. They informed me that despite a claims free history for years, they would not renew my insurance. Even though they were told no bees were on the property (they weren't) and that no honey was sold from the door., it didn't matter!
I believe they are worried about the liability of you selling a food product. This is something a lot of Mom and Pop farm market vendors need to know.
For example, if Mom sells cookies, or pies, or bread, and someone decides to sue claiming they got ill because of it, your household insurance will not cover you. The moment you start to sell food products made in your kitchen, you are apparently violating the terms of your insurance. What some have to do is then buy additional Commercial Liability insurance (my insurer at the time wasn't interested in that either)!

LazyBkpr · « **Reply #7 on:** February 06, 2014, 08:34:18 am »

Commercial Liability is what my wife asked for. To cover her candle shop, and to cover Bee removal. I never considered insurance, so wasnt worried about it. Generally when you tell someone your about to take a sawsall to the side of their house they either nod their head and say go for it or begin to panic.. Getting sued?? Sure, go ahead, I will just return your bees.. in the middle of the night.. INSIDE, your house.

tefer2 · « **Reply #8 on:** February 06, 2014, 08:46:10 am »

Lazy, you don't have to go back to their house.
A couple blocks away will be close enough.
Those bees remember where they lived. Don't ask me how I know this.

Farm bureau here.

Riverrat · « **Reply #9 on:** February 06, 2014, 09:02:22 am »

you will have to go with a farm type company I use farm bureau

caesarsfish · « **Reply #10 on:** February 06, 2014, 09:34:09 am »

I use Cotton State, the insurance man buys his honey from me.

Perry · « **Reply #11 on:** February 06, 2014, 10:17:33 am »

Quote from: caesarsfish on February 06, 2014, 09:34:09 am

I use Cotton State, the insurance man buys his honey from me.

Now it doesn't get any smarter than that!

lazy shooter · « **Reply #12 on:** February 06, 2014, 11:45:31 am »

I think most home owner's policies contain a $500,000.00 liability rider. Then again, I may be wrong. I carry an additional two million bucks liability on my ranch, and it is only a few hundred bucks per year.

caesarsfish · « **Reply #13 on:** February 06, 2014, 03:34:33 pm »

My place is posted "NO HUNTING, NO FISHING, NO NOTHING" and anyone on my property probably needs run off any way. The bees might help their joints a little.

Slowmodem · « **Reply #14 on:** February 06, 2014, 03:55:06 pm »

Quote from: Perry on February 06, 2014, 06:36:20 am

The moment you start to sell food products made in your kitchen, you are apparently violating the terms of your insurance.

What if it's made in the bee's kitchen?

Slowmodem · « **Reply #15 on:** February 06, 2014, 04:03:56 pm »

The TN apiary law absolves (maybe not the right legal word) registered beekeepers from liability from harm from bees.

http://www.tn.gov/agriculture/publications/regulatory/tennessee%20apiary%20act.pdf

(a) Any person who has registered an apiary pursuant to § 44 - 15 - 105, is otherwise in compliance with this part and operates such apiary in a reasonable manner shall not be liable for any personal injury or property damage that is caused by the keeping and maintaining of:
(1) Bee equipment, queen breeding equipment, apiaries, affiliated appliances that are located on such apiary; or
(2) Bees that nest in a beehive that is located on such apiary.

(b) The limitation of liability established by this section shall not apply to intentional tortuous conduct or acts or omissions constituting gross negligence.

It might be worth looking at your state laws to see if there is similar language.

LazyBkpr · « **Reply #16 on:** February 07, 2014, 12:38:03 am »

I think part of the business insurance was to cover other people, IE if I star tdoing a cut out on their house and my sawsall blade shoots sparks when i cut through a nail and burns their house down type of thing. I am trying to stay out of the middle of it. Those weekend jail visits started to get old, and now that I am getting old I can bet they would be even worse.. I wonder if they let you chat on the internet nowdays??? then it wouldnt be so bad!

Yankee11 · « **Reply #17 on:** February 10, 2014, 06:26:39 pm »

Has there been any updates on this,as I am very interested in the topic. From what I can find out today. No one carries any insurance that as anything to do with bees. How can this be. There are enough beekeepers out here that there has to be an answer.

There has to be LLC's for honey and honey bee businesses. If you have bees and homeowners gets cancelled but your house is financed, then what?

What about putting hives on other peoples property, Are we setting them up to get their homeowners cancelled. This is nuts.

LazyBkpr · « **Reply #18 on:** February 11, 2014, 08:21:02 am »

Agreed Yankee.. I told her to check Farm Burea.. other than that I am going to stay back behind my bulletproof shield.. when it gets straightened out I am sure she will jabber my ear off about it so Will try to update!

Yankee11 · « **Reply #19 on:** February 11, 2014, 09:38:14 pm »

Lazy,

I may be getting somewhere. I have 3 leads now. 1 says she can help me and I have not heard back from the other 2 but they do beekeeping policy stuff. Here is the info.

http://www.beekeepingins.com/ I havn't contacted them yet but was referred to me from American Beekeeping Federation.

http://www.txins.com/ This one I have talked to and she has said she can do a number of different policies.

Lani Basberg, agent for Lani Basberg Agency LLC toll free 1-800-456-2572 also basberg@bellsouth.net, This one was given to me tonight from a beekeeper and said they were at the Tennessee beekeepers meeting handing out flyers. Have not talked to her yet.

Maybe getting somewhere.