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