Honey is a vital ingredient for consumer goods. Cottage food businesses use honey to make condiments like jams or garlic sauces. Studies suggest that honey promotes skin regeneration. This is why soap makers use it for making bath salts and soaps.
Do you culture bees for honey? In that case, consider purchasing insurance. Honey producer insurance is an insurance policy designed for beekeepers. With honey producer insurance, you can protect yourself against potential losses from adverse weather, theft, or damage to hives. You can also use insurance to cover liability claims. Read this guide to know what policies are available and the cost of premiums.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
General liability insurance protects you from potential legal and financial liabilities arising from accidents, injuries, and property damage. It covers third-party bodily injury, property damage, and personal injury. It covers legal bills, medical expenses, and potential settlements or judgments.
Bodily injury claims–If a visitor, customer, or third party is injured on your premises or due to your honey-producing activities, this insurance can cover medical expenses, legal fees, and potential settlements or judgments
Property damage claims–This insurance can grant protection if your business operations caused damage to houses or any other nearby properties that third parties own
Advertising liability claims–Covers advertising liability claims. In cases of misleading advertising, copyright infringement, or defamation, a third party may sue for financial damages
Personal injury claims–Claims include defamation, slander, and invasion of privacy. General liability insurance can pay legal fees and settlements if someone sues you for personal injury
Product liability insurance–This protects you from claims relating to your honey products causing harm, disease, or injury to consumers. If a customer claims your honey was poisoned or caused health issues, it covers legal bills, settlements, and medical expenditures.
Excess liability insurance–This endorsement ensures that you are adequately protected financially in the event of a significant incident or lawsuit that exceeds the limits of your primary general liability policy
The coverage limits can vary depending on the policy and insurer. Coverage limits may range from $1 million to $2 million per occurrence and aggregate.
This insurance coverage safeguards you in case a consumer experiences harm or damage as a result of using your honey products and decides to file a lawsuit against you. It helps cover the costs associated with legal defense, settlements, or judgments.
Product contamination–Product liability insurance covers your legal and financial consequences if a consumer becomes sick from eating honey products contaminated with pesticides, poisons, or other substances
Allergic reactions–Product liability insurance shields you from legal claims and court damages if a customer has a severe allergic response to your honey products
Mislabeling or false advertising–If you accidentally mislabel your honey products with misleading information about ingredients, nutritional value, or health benefits and a customer is harmed or disappointed, product liability covers legal fees and settlements
Packaging or manufacturing defects–Product liability insurance covers legal defense costs, medical expenses, and any compensation awarded to a consumer harmed by a honey product's packaging or manufacturing defect
Insurers will pay you $1 million to $5 million or more, depending on the needs and size of the business.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $320,000 | $25,000/$500,000 | $75,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $75,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
This honey producer insurance covers your honey production business's physical assets and property. It protects your commercial properties against fire, theft, vandalism, and natural disasters. If any damage or loss occurs, your property will be repaired or replaced, minimizing financial setbacks and ensuring the continuity of your honey production business.
What Incidents Are Covered by Commercial Property Insurance for Honey Producers?
Fire damage–If a fire breaks out in your honey production facility, this insurance assists in repairing, replacing, or rebuilding your facility
Theft or burglary–Commercial property insurance covers equipment, supplies, and inventory taken from your honey production facility
Storm or weather-related damage–Commercial property insurance helps repair or replace damaged facilities, equipment, or inventory if storms and other related perils happen
Flood insurance–Covers damages caused by flooding, ensuring your honey production business is protected against risks caused by flood
Equipment and machinery breakdown coverage–This add-on covers breakdowns of your equipment and machinery. It covers equipment repair or replacement labor, temporary rents, and business interruption costs
Commercial property insurance insurers will pay you $100,000 to $10 million, depending on the insured property. Location, asset replacement value, and honey production risks will determine your coverage limits.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $320,000 | $25,000/$500,000 | $75,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy (BOP) combines commercial property, general liability, and business interruption insurance. As a result, you get coverage that’s cheaper and easier to manage.
If your client sues you for copyright infringement
In case of slip-and-falls and visitor injuries on your business premises, general liability insurance can cover medical bills, legal fees, and premises liability settlements or judgments
If your honey production equipment breaks down
Business interruption or income loss from covered events like fire, theft, or natural catastrophes
Cyber liability insurance–Your business needs cyber risk protection in the digital era. This insurance protects your honey production business from data breaches, hacking attempts, and other cyberattacks that could jeopardize client data
Pollution liability insurance–Covers your damages and legal fees from honey production-related pollution
General liability and property insurance limits are typically $1 million to $5 million. Consult insurance companies to discover the optimum coverage levels for your honey manufacturing business.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance for honey producers helps to secure your tools and equipment used in honey production. It offers financial protection in the event of damage, loss, or theft of essential apparatus such as honey extractors, beekeeping suits, hives, smokers, and other honey production tools. This insurance ensures that honey producers can rapidly replace or repair their essential equipment, minimizing downtime and allowing them to continue operations without interruption.
If your honey extractor is broken due to a mechanical failure or accident, tools and equipment insurance will repair or replace it
If your beekeeping garment is stolen from your apiary or damaged in transit, tools and equipment insurance will replace it.
If your hives are devastated by a natural disaster or storm
If you lose or misplace your smoker at beekeeping-related events or markets
If your honey production equipment is harmed during handling or storage
Transit coverage–Protects your tools and equipment during transport to and from various locations, such as beekeeping events or markets
Equipment breakdown coverage–Protects your honey production equipment against mechanical and electrical breakdowns, assuring prompt repairs or replacements
Depending on the value and quantity of the insured tools and equipment, coverage limits for honey producers' tools and equipment insurance typically range from $10,000 to $100,000 or more.
Workers compensation insurance provides financial protection in case your employees get injured or fall ill while working on your honey production business. This insurance covers your employees' medical expenses, lost wages, and rehabilitation costs, ensuring they receive the necessary care and support. By carrying workers' compensation insurance, you demonstrate your dedication to the well-being of your employees and satisfy legal requirements.
Bee stings or allergic reactions–Emergency care and allergy management for bee sting reactions at work
Slips, trips, and falls–Fractures, sprains, and concussions if an employee slips on a damp surface, trips over equipment, or falls from a height while making honey
Overexertion or strain–Heavy lifting and honey production might cause overexertion or strain injuries. Workers' compensation can help treat and rehabilitate these ailments
Occupational illnesses–Pesticides and cleaning agents used in honey manufacturing might cause occupational diseases over time. Respiratory and skin diseases might be covered by workers compensation insurance
The coverage limits of workers' compensation insurance for honey producers typically range from $100,000 to $1,000,000 or more, depending on the specific policy and insurer.
Foreign workers compensation–Expands coverage to include foreign employees of honey producers. It ensures that foreign employees receive the same benefits and protections as domestic employees in the event of occupational illness or injury
This honey producer insurance protects the vehicles used to transport honey and related products. It covers instances where your vehicle gets damaged or causes an accident. With this insurance, you can protect your business from financial losses due to vehicle repairs, medical expenses, and legal liabilities.
Property damage–If your company car damages a customer's mailbox or a neighbor's fence, the insurance might assist in paying for repairs or replacement
Theft and vandalism–If your business vehicle is stolen or vandalized, the insurance may compensate you for the vehicle's value or cover the cost of repairs
Bodily injury–If your company car injures a pedestrian or other motorist, the insurance can pay their medical bills and legal claims
Collision events–Commercial auto insurance can cover vehicle damage that results from collisions with an object or another vehicle
Non-collision events–Commercial auto insurance can cover vehicle damage caused by fire, flood, vandalism, and other related perils
Commercial auto insurance has a liability coverage limit of $25,000 per person, $50,000 per accident, and $15,000 per property damage.
Engine protection coverage–This add-on covers the engine block, piston, valve, and other internal parts. It may also cover additional costs like transport and rental cars while your vehicle is being repaired
Umbrella insurance–Extends your commercial auto liability coverage. It protects against significant accidents and liability claims that exceed your normal coverage limits
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $33 | $396 | $0-$500 |
| Commercial property insurance | $50 | $600 | $1,000-$2,000 |
| Business owner’s policy | $83 | $996 | $1,500 |
| Commercial auto insurance | $55 | $660 | $500-$1,000 |
| Tools and equipment insurance | $38 | $456 | $500-$1,000 |
| Workers compensation insurance | $103 | $1,236 | $2,000-$5,000 |
The average honey producer insurance cost is $33 per month or $396 per year for a $1 million general liability insurance. Factors that affect premiums are claims history, business history, policy limits, deductibles, location, annual revenues, and number of employees. Here’s a table showing the cost of a $1 million general liability insurance from the best companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $17 | $204 | Best overall; Fastest general liability insurance for honey producers |
| The Hartford | $23 | $276 | Workers compensation insurance for honey producers |
| CoverWallet | $19 | $228 | Comparing honey producer insurance quotes online |
| Tivly | $27 | $324 | Comparing honey producer insurance quotes over the phone |
| Thimble | $29 | $348 | On-demand coverage for honey producers |
| Hiscox | $31 | $372 | Honey producer insurance with automatic renewal |
Get all the best quotes from leading providers in a click of a button!
Here are the companies to consider working with. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for honey producer insurance
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is an insurance provider specializing in tailor-made coverage for honey producers. With an in-depth understanding of the risks and challenges your business faces, NEXT provides comprehensive insurance policies to safeguard it. Their coverage addresses beekeeper risks such hive loss, equipment damage, and liability.
Best for: Best overall; Fastest general liability insurance for honey producers
Average cost: $17 per month
Our rating: 10/10
Comprehensive coverage options to suit your specific requirements.
User-friendly online platform for policy management and document access.
Compare quotes online
Not an insurance company but an insurance broker
CoverWallet, an insurance technology company co-founded by Inaki Berenguer and Rashmi Melgiri, offers a compelling option for honey producers. Their user-friendly platform enables effortless quote comparison, policy management, and support access, sparing your valuable time and effort. CoverWallet provides customized solutions based on a comprehensive understanding of the specific needs of honey producers.
Best for: Comparing honey producer insurance quotes online
Average cost: $19 per month
Our rating: 10/10
Reputation for financial stability and prompt claim settlements.
Agents with expert knowledge of the unique risks you face.
Give options for comprehensive property, liability, and equipment coverage
There may be higher premiums compared to other insurance providers.
The Hartford, headquartered in Hartford, Connecticut, offers honey producers customized insurance. Hartford understands agricultural risks and offers specialist coverage. Hartford's significant knowledge and reliability allow them to provide customized insurance options for your honey production business.
Best for: Workers compensation insurance for honey producers
Average cost: $23 per month
Our rating: 10/10
An uncomplicated application procedure with minimal documentation
Options for coverage that are adaptable to your changing operational requirements
A partner of reputable insurance companies
Certain coverage options may be subject to certain restrictions or exclusions.
Tivly is an insurance agency that caters to honey producers. It is a partner of Gallagher, The Hartford, biBerk, Simply Business, and more. You can purchase general liability, commercial property, and other business insurance solutions from this company. Call now to compare quotes over the phone.
Best for: Comparing honey producer insurance quotes over the phone
Average cost: $27 per month
Our rating: 9/10
Price transparency with no hidden fees
Mobile app that is simple to use for managing policies and getting support
Flexible coverage times that may be adjusted to your production cycles, from hours to months
On-demand insurance that enables you to pay for coverage only when you require it
Not likely to provide the same level of comprehensive protection as other insurance policies companies
Thimble offers customized on-demand coverage. With Thimble, you can obtain short-term coverage that can be tailored to your specific initiatives or events. Their knowledge of the industry's diverse insurance requirements enables them to tailor solutions to the scale and nature of your operations.
Best for: On-demand coverage for honey producers
Average cost: $29 per month
Our rating: 9/10
Offer competitive pricing with potential discounts based on your coverage choices and eligibility
Worldwide coverage
Numerous add-ons to base policies
14-day money-back guarantee
Some policy features may necessitate additional endorsements or add-ons, which may incur additional expenses
Hiscox has extensive knowledge of honey producer dangers. They cover property damage, theft, general liability, and product liability. Hiscox's focus on agricultural insurance protects your honey production business. Hiscox is reliable, experienced, and committed to protecting your operations.
Best for: Honey producer insurance with automatic renewal
Average cost: $31 per month
Our rating: 9/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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