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Beekeeper insurance offered by Friends of the Bees

 
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biobee
Site Admin


Joined: 14 Jun 2007
Posts: 1051
Location: UK, England, S. Devon

PostPosted: Thu Feb 27, 2014 2:35 pm    Post subject: Beekeeper insurance offered by Friends of the Bees Reply with quote

I am re-writing the wording of our insurance proposal and would be interested in any comments, especially from anyone used to writing such things.

Proposed wording:

"Friends of the Bees offers talks, training and other activities connected with bee keeping and the conservation wild bees and other pollinators. We wish to offer Public Liability Insurance to members of our local groups throughout the UK and to those members who join us directly, not necessarily being members of local groups, to cover their bee keeping and conservation activities and any training events provided by or on behalf of Friends of the Bees."
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CeeBee
Foraging Bee


Joined: 16 Jun 2013
Posts: 104
Location: UK, Cambridge, Milton

PostPosted: Thu Feb 27, 2014 4:08 pm    Post subject: Reply with quote

I've just compared that with the wording on my certificate from last year (the one covering 21-Mar-2013 to 20-Mar-2014), and certainly it seems to give a wider definition of who is covered (i.e. not only those in 'local groups').

I now wonder from my existing certificate whether I'd actually be covered at all, since it appears restricted to "members of these local groups", which (as far as I know) I'm not a member of.

Do any of these 'local groups' actually exist? I'd assume the idea would be like the 'branches' of the BBKA, where you can join the local one with membership of the main association being included? Has anyone got the BBKA's exact wording, for comparison?

I suppose the 'proof of the pudding' is whether anyone has so far made a successful claim, without the insurer wriggling out.

So yes - I think an improvement, but I'm not familiar either with writing such things, or with legal language. Just a typo I guess, but "of" is missing between "conservation" and "wild bees".
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biobee
Site Admin


Joined: 14 Jun 2007
Posts: 1051
Location: UK, England, S. Devon

PostPosted: Thu Feb 27, 2014 6:29 pm    Post subject: Reply with quote

The motivation to provide insurance cover came about mainly as a way to be able to offer an alternative for people who do not wish to support the BBKA's 'anti-organic, pro-pesticide' stance. Some local councils require PL insurance if you want to place hives on their allotments, so I negotiated this insurance mainly for that purpose.

The 'local groups' idea was all a bit theoretical, although some do actually exist! The original idea was to encourage people to organize themselves locally for mutual benefit, but this seems to be increasingly difficult to do in practice, due to increased mobility and, perhaps, reduced face-to-face social time, compared to pre-Internet days...

Nobody has yet made a claim, to my knowledge.
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Liz Benson
New Bee


Joined: 26 Feb 2014
Posts: 3
Location: Faversham Kent England

PostPosted: Thu Feb 27, 2014 9:02 pm    Post subject: PL insurance - extent of cover Reply with quote

Does this cover personal injury or (worst case scenario) death caused by bee stings from our bees, for example in the event of somebody developing anaphylaxis, please?

Many thanks
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biobee
Site Admin


Joined: 14 Jun 2007
Posts: 1051
Location: UK, England, S. Devon

PostPosted: Thu Feb 27, 2014 9:19 pm    Post subject: Reply with quote

My understanding is that you would be covered against being sued by a third party for personal injury caused in the course of your beekeeping activities. It is mainly designed to cover your legal fees, so it would be up to the other party - or their representative - to prove that their injury was indeed caused by your negligence.

As far as I know, nobody has ever been successfully sued for allowing their bees to sting someone - presumably on the grounds that (a) no reasonably judge would expect you to have 'control' of your bees as you might a dog, for example, and (b) it is impossible to prove that it was one of your bees that stung them.

This message - and all others from me on this subject - come with the usual health warning that I am not a lawyer and therefore nothing I say should be quoted or relied upon as legal guidance, etc.
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Liz Benson
New Bee


Joined: 26 Feb 2014
Posts: 3
Location: Faversham Kent England

PostPosted: Thu Feb 27, 2014 9:53 pm    Post subject: Reply with quote

Thanks for clarifying, Phil. Caveat duly noted!
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jumbleoak
Scout Bee


Joined: 03 Aug 2010
Posts: 295
Location: UK, England, Kent

PostPosted: Thu Feb 27, 2014 10:05 pm    Post subject: Reply with quote

biobee wrote:
This message - and all others from me on this subject - come with the usual health warning that I am not a lawyer and therefore nothing I say should be quoted or relied upon as legal guidance, etc.


Would it be fair to say that Friends of the Bees is just the 'insurance salesman', as it were?
Or what?
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WileyHunter
Moderator Bee


Joined: 13 Jan 2014
Posts: 125
Location: Batesville, IN USA

PostPosted: Thu Feb 27, 2014 10:13 pm    Post subject: Reply with quote

Seems to me that rather than a 'salesman' maybe 'facilitator'. But I may be wrong.
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biobee
Site Admin


Joined: 14 Jun 2007
Posts: 1051
Location: UK, England, S. Devon

PostPosted: Thu Feb 27, 2014 10:44 pm    Post subject: Reply with quote

jumbleoak wrote:

Would it be fair to say that Friends of the Bees is just the 'insurance salesman', as it were?
Or what?


No. We are the policy holder, as we pay the premium on behalf of our members.
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sherry6
Foraging Bee


Joined: 29 Apr 2011
Posts: 186
Location: USA, Idaho, Twin Falls

PostPosted: Wed Apr 09, 2014 9:38 pm    Post subject: Reply with quote

Phil, is this insurance only available to those beekeepers in the UK or would it cover my bees in the States?
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Bee landlord since 2011 in homemade hTBH's
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trekmate
Golden Bee


Joined: 30 Nov 2009
Posts: 1123
Location: UK, North Yorkshire, Bentham

PostPosted: Thu Apr 10, 2014 6:01 am    Post subject: Reply with quote

sherry6 wrote:
Phil, is this insurance only available to those beekeepers in the UK or would it cover my bees in the States?


From clicking the link above -
Our UK Beekeeper Members benefit from our exclusive Public Liability Insurance, which covers you against claims for personal injury or damage to property in the course of your beekeeping activities. Beekeeper Membership is only £15 per year.

Hope your bees settle before you need insurance!
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