Honey Producer Insurance: Cost & Quotes From $30/mo

Table of contents

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. 

General Liability Insurance for Honey Producers

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. 


Which Claims Does This Insurance for Honey Producers Cover?

  • 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

Add-Ons to General Liability Coverage for Honey Producers

  • 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

Coverage Limits for General Liability Insurance for Honey Producers

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. 


Product Liability Insurance for Honey Producers

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. 

What Incidents Are Covered by Product Liability Insurance?

  • 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

Coverage Limits for Product Liability Insurance for Honey Producers

Insurers will pay you $1 million to $5 million or more, depending on the needs and size of the business.

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Commercial Property Insurance for Honey Producers

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

What Are the Common Add-Ons to Commercial Property Insurance for Honey Producers?

  • 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

Coverage Limits for This Honey Producers Insurance

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.




Business Owner’s Policy for Honey Producers

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. 


What Incidents Are Covered by BOP Insurance for Honey Producers?

  • 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

Add-Ons to your BOP insurance for honey producers

  • 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

What Are the Coverage Limits of BOP for Honey Producers?

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.


Tools and Equipment Insurance for Honey Producers

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.


What Incidents Will Tools and Equipment Insurance for Honey Producers Cover?

  • 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

Add-Ons for Tools and Equipment Insurance for Honey Producers

  • 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

What Are the Coverage Limits for Tools and Equipment Insurance for Honey Producers?

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 for Honey Producers 

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. 

Situations Where Workers Compensation Insurance for Honey Producers Can Help You

  • 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

Coverage Limits of Workers Compensation Insurance for Honey Producers

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. 


Add-Ons for Workers Compensation Insurance for Honey Producers

  • 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

Commercial Auto Insurance for Honey Producers

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. 


In What Circumstances Can You Use Commercial Auto Insurance for Honey Producers?

  • 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 

Coverage Limits for Commercial Auto Insurance for Honey Producers

Commercial auto insurance has a liability coverage limit of $25,000 per person, $50,000 per accident, and $15,000 per property damage. 


Add-Ons for Commercial Auto Insurance for Honey Producers

  • 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

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Honey Producer Insurance Cost

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

Compare Cheap Honey Producer Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Honey Producer Insurance Companies

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. 


Next Honey Producer Insurance

Pros

  • 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 

Cons

  • 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


Coverwallet Honey Producer Insurance

Pros

  • Comprehensive coverage options to suit your specific requirements.

  • User-friendly online platform for policy management and document access.

  • Compare quotes online

Cons

  • 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


The Hartford Honey Producer Insurance

Pros

  • 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

Cons

  • 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


Tivly Honey Producer Insurance

Pros

  • An uncomplicated application procedure with minimal documentation

  • Options for coverage that are adaptable to your changing operational requirements

  • A partner of reputable insurance companies

Cons

  • 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


Thimble Honey Producer Insurance

Pros

  • 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

Cons

  • 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


Hiscox Honey Producer Insurance

Pros

  • 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

Cons

  • 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

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