Professional insurance for beekeepers
beehives
As a beekeeper, you are fully responsible for any damage your bees may cause to others. Although you are not required to purchase insurance by law, it is in your best interest to have it. In fact, by choosing the right guarantees and insuring your beehives, you will be able to exercise your outdoor activity in peace. Focus on the insurance to take out when you are a beekeeper!
The risks of the beekeeping profession
The profession of beekeeper involves raising, caring for and monitoring bees throughout the year. He then collects the royal jelly, wax and honey made by bees before marketing or processing them. Although beekeeping techniques have evolved a lot in recent years, the risks associated with this activity are indeed real. The beekeeper must provide his bees with everything they need in terms of flora and water resources.
He must also know how to anticipate accidents at work, such as bee stings, cuts, illnesses, wounds, burns and traffic accidents during transhumance. Unfortunately, it can happen that a product sold is defective or that your transported beehives are damaged. This is why before starting your beekeeping activity, you must carefully follow the precautionary measures specific to this type of outdoor activity. You must wear the correct clothes. As for the hives, they must be installed in a hygienic and safe place.
The essential guarantees for good protection
As you are not the only ones exposed to these risks, it is essential to take out the appropriate insurance contracts such as civil liability insurance, legal protection, fire coverage and natural disaster coverage. These are guarantees that can offer you good protection in the event of a disaster, for example a fire, water damage, glass breakage or an act of vandalism. All of these guarantees are generally offered in professional property and casualty insurance. However, check with your insurer if your contract covers your bees. If this is not the case, you will need to take out a specific contract to cover the various risks to which you are exposed.
Professional liability insurance
Professional liability coverage is essential because it covers damage that you could cause to third parties in the course of your beekeeping activity. If one of your bees stings a visitor, you are held responsible. To avoid having to pay compensation to third parties, take out this guarantee. In the event of damage, third parties will be quickly compensated.
Legal protection insurance
The corporate legal protection guarantee is also recommended, because it allows you to benefit from support in the event of a dispute with a customer, a supplier or a third party. It covers the costs and fees of experts and lawyers and the general costs of the proceedings. This guarantee also gives you all the useful information relating to the law and your rights. It prevents you from finding yourself alone and helpless if a third party sues you. You will be represented and defended in the best conditions.
Financial loss insurance
In the event of a claim, this business interruption guarantee allows you to resume your activity as quickly as possible. It is a contract that covers the costs incurred in order to limit or avoid the loss of fees or operations. Your insurer can also offer you a rental loss guarantee and a loss of use guarantee in the same contract. Check with your insurer to learn more about financial loss insurance coverage.
Insurance of transported goods
Finally, as part of your activity, you may have to transport beehives and products. By purchasing freight insurance, you can cover ordinary risks such as accidents and fires, but also exceptional risks such as theft, strike, riot, war and terrorism.
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