[ocba] Anyone have liability insurance for the honey they sell?
heather.congdon at yahoo.com
Mon Jan 16 08:01:21 EST 2012
I was poking around the Beesource.com forums looking for some other
takes on the whole insurance thing - I never expected to find that many
people have had their homeowner's insurance policies canceled because
they have hives on their property. Good grief!
I seem to recall reading similar posts about people with backyard
chickens. Bees and chickens? It's not like I'm breeding cockfighting
roosters and killer bees in the back yard.
I'm going to meet with an independent agent this week to see which
companies will insure homeowners with "ag" hobbies /before /I call and
talk to my current insurance company. I'm probably more risk averse than
most people when it comes to insurance. I worked for a while as an
insurance inspector and "don't ask, don't tell" makes me nervous. I'd
hate to have a claim - even one completely unrelated to our hobbies -
and have it denied. I'll pass on what I learn.
On 1/15/2012 9:41 PM, David Eckert wrote:
> Hi Heather,
> I don't have liability insurance specifically for selling honey but
> I've wondered about this as well. A friend that works in insurance
> suggest looking into an umbrella policy that would cover you for lots
> of things. Just be sure to tell your insurance agent that you'll be
> selling honey and want to make sure you'd be covered in case anyone
> had an adverse reaction.
> It stinks that we have to worry about this doesn't it?
> On Sat, Jan 14, 2012 at 8:37 AM, Heather Congdon
> <heather.congdon at yahoo.com <mailto:heather.congdon at yahoo.com>> wrote:
> Hi Everyone.
> At some point I'd like to sell our surplus honey. I'm just not
> sure what
> the rules are regarding liability in North Carolina. I don't know if
> it's even possible for someone to get sick from consuming honey, but I
> do know that we live in a pretty litigious society. I'd sleep better
> knowing I had some kind of protection against lawsuits. (Sad,
> isn't it?)
> Does anyone have an agricultural policy that covers bees/honey? Or is
> there something in North Carolina law that shields beekeepers from
> product liability lawsuits? Maybe liability insurance is overkill, but
> I'd rather not bet the farm on it.
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