Members of the OBKA are also members of the BBKA and through them automatically have insurance.
This insurance is provided under the Bee Diseases Insurance (BDI) Scheme A and covers loss from foul brood disease under the Bee Diseases Control Order 1982 for up to three hives; additional hives must be covered for a small extra premium.
Beekeepers with 40 or more colonies have to insure under a separate scheme (BDI Scheme B), and should contact the BDI on 01460 242124.
THE INSURANCE COVERS:
- Public Liability: cover is up to a limit of £5 million for any one incident against action arising from members’ beekeeping activities. There is an excess of £500 for any claims that relate to property.
- Product Liability: members are covered to a limit of £5 million in any one year and any one incident. This covers claims arising from the provision of beekeeping products.
- All Risks Insurance: for a modest additional premium members may also participate in a preferential arrangement made between the BBKA and NFU Mutual that provides an all-risks insurance for beekeeping property. Rates vary between 1% and 2% depending on the situation and the items. The individual member must negotiate details of the policy with NFU Mutual. Phone 0845 704 5031.