Liability insurance is a pretty standard requirement.  A lot of our
landowners require it too.  They worry about someone getting stung who turns
out to be allergic to bees, or a horse getting stung and throwing its
rider...that sort of thing.
 
Here in California, we get our insurance through the California Farm Bureau.
 They provide our homeowner's, business liability, and vehicle insurance.
 Eventually, we may get health and fire insurance through them too.
 
Most of the "urban" insurers are going to run screaming from you if you
mention that you have bees.  They don't understand the realities, only what
they've seen on TV.  If your local beekeeping organization doesn't offer any
group liability insurance, talk to agricultural organizations.  Many of them
offer group insurance that you can take advantage of, and they won't break
out into a cold sweat when you mention bees.
 
There is a guy who advertises beekeeper's insurance in the _American
Beekeeping Journal_ .  I know one or two beekeepers who use him.  They say,
"He seems pretty good.  Of course, I haven't had a claim yet."  So, this is
not an endorsement, but you might contact him for a quote.  His name is Roger
Starks, 1-800-584-7054.
 
Good luck.
  Shawna