Members of the British Bee Keepers' Association have third party and product
liability insurance included in their subscription. Subs have risen this
recently partly because the premiums have gone up following payouts (settled out
of court I believe).
People are on their own with fire and theft etc insurance. I believe the
National Farmers' Union Mutual Insurance Co has an appropriate policy but don't
know the details. I think it is expensive for the hobby beekeeper who will
generally cover his own risks.
Chris
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