General Liability Insurance

[wildbeekeeper]

ok, so i know this topic has come up over and over again and I even searched the archives for information, but I have hit a dead end.  I have been trying to get a basic general liability insurance coverage so I can do a couple of bee removals where people have asked for the.....problem is I CANT FIND ONE!!  I am either told that i cant be covered or the two I did get a quote for was over $1000/yr.  I tell them that i am doing basic removals of "old" nets from within walls, no higher than step ladder height and power tools limited to a sawzall.

Is there ANYONE here that can point me in the direction of someone I can talk to about a policy...especially in Pennsylvania?!!  Any and all help would be apppreciated!!

[jason58104]

Good luck, I have been looking for 3 years.   I asked the State Farm agent that insures my beekeeping activities and he laughed!

[montauk170]

How about contractor liability insurance? If there's such thing.

Anyways, your homeowner's insurance should cover your HOBBY.
You can always take suggested donations for the bee removal.  ;)

[jason58104]

I think you would have a hard time getting an angry lawyer  and insurance agent to see things that way

[hardwood]

My general liability for my general contractor's license covers me for removals...of course it's $5,800/yr  :-x

Scott

[beerman]

The insurance cost is what killed my junk removal business they wanted almost $10,000 a year for one employee because it involved heavy lifting. Good luck finding cheap insurance. If you do let me know :)

[AllenF]

I think my Gen. liab., workers comp, and commercial auto for my electrical contracting company ran 14,000 last year.  And this year I am down to me and one other man.

[Hethen57]

What risk are you worried about....damaging the persons house?  You could cover that to some extent with a Liability Release & Indemnity Agreement.

[gardeningfireman]

Insurance? We don't need no stinking insurance!! :evil: Tell the homeowner that if he doesn't come after you for house damages, you won't go after hime for injuries!!! :-D

[AllenF]

I don't think I would worry about the homeowner.   It would be a 3rd party that mucks it up. 

[hardwood]

Very few people try to be intimidating when you're the one holding a box of bees anyway :-D

Scott

[wildbeekeeper]

thanks for all the responses everyone!  I have a general liability waiver that i have people sign, but i had a request from a local city/municipality to remove bees from an old house they own and they wanted proof of insurance.  So, I either turn it down or do it for free.  Its not a terribly hard job, but it'll take a few hours.  o'well....i'm glad its not just me!!!
thanks again all!

[AllenF]

My worry is either you are working with the bees, or people just hear you have bees, and some ladies little kid gets stung................... You know how thinks can go.