Have you tried your state beekeepers association. Perhaps they have
liability insurance as part of the cost of membership or as an add on.
Here in Alberta Canada, members of the Alberta Beekeepers' Association can
obtain $1,000,000 CAN worth of liability insurance for a modest extra fee.
1 - 50 hives $6.35: 51-200 hives $17.70 and over 200 hives $29.07.
The ability to purchase this protection makes the minimum $50 membership
fee a good investment.
And NO, you are not eligible to become a member of the ABA.
Kenn Tuckey