What Does Bee Insurance Cover? Hive Losses, Liability & More
Summary
Bee insurance protects beekeepers from unique risks not covered by standard policies, such as hive loss, honey stock damage, and liability. Sandbox's Buzz Box offers tailored coverage with options to fit specific needs.
Reading Time
3 min
Beekeeping is a labour of love. From early spring checks to long summer days and careful winter prep, your bees work tirelessly, and so do you. Whether you manage a few hives or a full apiary operation, beekeeping comes with unique risks that standard insurance does not account for.
That is where bee insurance, also known as hive or apiary insurance, comes in. At Sandbox, we believe your coverage should work just as hard as your bees. Here is a closer look at what our Buzz Box covers and why it matters.
Why Beekeepers Need Specialized Insurance
Bees are not just livestock, and hives are not just equipment. Beekeeping involves valuable products, outdoor storage, and public interaction, all of which create risks that typical farm or property policies may not fully cover.
Trying to fit your operation under a general policy can leave costly gaps. Our Buzz Box is designed specifically to protect your bees, your investment, and your livelihood.
What Does the Buzz Box Cover?
Sandbox’s Buzz Box offers protection built specifically for beekeepers.
Hive & Bee Coverage
Your bees are your livelihood, and this coverage protects them where they live and work. Blanket limit coverage includes:
• Leafcutter and or honeybees
• Adult bees and cocoons
• Hives, including bees and raw honey
• Open field or stored hives
• Nesting boards and shelters
• Leafcutter and or honeybees
• Adult bees and cocoons
• Hives, including bees and raw honey
• Open field or stored hives
• Nesting boards and shelters
Whether your hives are in the field or stored between seasons, this coverage helps protect against unexpected losses.
Honey & Stock Protection
Honey truly is liquid gold, and losing it can mean losing a season’s worth of work. Coverage includes:
• Stock of honey
• Raw and harvested honey
• Stock of honey
• Raw and harvested honey
This helps protect your product from loss or damage, giving you peace of mind when it matters most.
Beekeeping Equipment Coverage
Much of your equipment lives outdoors and is exposed to the elements year-round. Coverage includes:
• Beekeeping equipment is normally stored outside
• Beekeeping equipment is normally stored outside
From extraction tools to shelters, your essential gear is protected when the unexpected happens.
$2 Million in Liability Coverage is included
Bees do not always stay put, and accidents can happen.
Bee insurance includes $2 million in Farmer’s Comprehensive Liability, which can help protect you against :
• Bodily injury to third parties
• Property damage belonging to others
• Liability arising from beekeeping activities and operations
• Bodily injury to third parties
• Property damage belonging to others
• Liability arising from beekeeping activities and operations
Whether it involves a visitor, a neighbouring property, or public interaction, this coverage helps protect you financially.
Optional Coverage to Fit Your Operation
Every beekeeping setup is different, which is why Sandbox offers optional add-ons to customize your policy. Optional coverages include:
• Homeowners coverage
• Equipment protection
• Production protection
• Homeowners coverage
• Equipment protection
• Production protection
• Increased liability limits
• Property protection
• Outbuildings
• Property protection
• Outbuildings
If you farm in addition to beekeeping, the Buzz Box can be bundled with other coverages to protect your entire operation without overcomplicating things.
Why Choose Sandbox’s Buzz Box for your Bee Insurance?
Sandbox understands Prairie life, agriculture, and the realities of running a beekeeping operation. Coverage is built with real risks in mind, including weather, wildlife, liability, and seasonal uncertainty. With Sandbox, you get:
• Coverage designed for beekeepers
• Flexible options that grow with your operation
• Support from experienced brokers
• Straightforward and practical insurance
• Coverage designed for beekeepers
• Flexible options that grow with your operation
• Support from experienced brokers
• Straightforward and practical insurance
Because protecting your bees means protecting everything you have built.
Ready to Protect Your Hives?
Hive insurance is not just a nice-to-have. It is a smart way to safeguard your season, your income, and your peace of mind. For all your farm insurance needs, visit our website or talk to a broker about our Buzz Box today and find coverage built for your buzz.
Please note that the information in this article may not reflect your specific insurance policy with Sandbox Mutual Insurance or another insurer. Always refer to your policy documents or speak with your broker about your individual coverage needs.
FAQ'S
If something happened to your hives tomorrow, would your insurance actually replace your bees and honey?
Most standard policies would not. The Buzz Box is built to cover your bees, hives, and honey so you can get back to business after a loss.
What happens if someone gets stung or your bees cause damage?
The Buzz Box includes $2 million in liability coverage to help protect you if something goes wrong.
Is your beekeeping treated like a business or just a hobby on your policy?
The Buzz Box recognizes beekeeping as a real operation, with coverage designed for how you actually work.
