Insurance Cover
Public & Products Liability Insurance for Members
BBKA has an insurance policy that covers individual beekeepers, who are members of the BBKA (whether joining as individual members, or as registered or partner members of their local association that is in turn a member of the BBKA.
The Public Liability relates to beekeeping activities of those members noted above in the UK and has a £5,000,000 limit of liability.
A notice of cover is available for members attending farmers markets etc., where proof of cover is required.
The Public Liability insurance also covers officers of branches and associations undertaking their activities in connection with their group.
In addition the insurance covers product liability up to £5,000,000.
For information on the above insurance please contact BBKA Headquarters or see Members Area Insurance Files.
In addition to the above cover the BBKA offers a policy to cover all risks insurance, primarily for branch and association apiary and other beekeeping equipment including trophies and display equipment. Further information about this policy can be obtained from BBKA Headquarters.
Brood Diseases Insurance through BDI Ltd
BDI Insurance only covers England and Wales. (Scotland and NI have differing levels of inspection that are not under the responsibility of Defra.)
The members of BDI are the Member Associations. The minimum payable by each
Member Association to BDI Ltd as a condition of membership is £2.00
per annum for each of its beekeeping members which insures 1-3 colonies. Associate
Members, Junior Members and Friends are NOT insured.
Beekeeping members can insure more colonies for the following additional premiums:
Up to 5 colonies (including the basic three) an additional £2.00
Up to 10 colonies (including the basic three) an additional £5.25
Up to 15 colonies (including the basic three) an additional £7.75
Up to 20 colonies (including the basic three) an additional £9.50
Up to 25 colonies (including the basic three) an additional £11.10
For 26 colonies (including the basic three) and up to a maximum of 39 please
consult your Association Treasurer or the person in your Association who
deals with BDI subscriptions. BBKA Individual members contact the BBKA
Headquarters.
BDI insurance becomes effective each year from the time that the member's association receives his or her membership subscription and any additional BDI premium is received. Premiums are paid in respect of the calendar year, 1st January to 31st December, irrespective of the date on which they are actually paid. However, cover will not commence until 40 days have elapsed from the payment of the premium, where such payment is made after 31st March. This is known as the 40-day rule.
BDI Compensation Rates for 2010
The rates of compensation for property insured are:-
British Standard Brood
Frame £2.00
Glass Quilt £14.50
All other Brood Frame sizes £2.70
Wire Queen Excluder £14.55
British
Standard Shallow Frame £1.40
Slotted Zinc Queen Excluder £6.00
All other Shallow Frame sizes £2.00
Plastic Queen Excluder £4.00
Saleable Honey (30lb maximum) £2.50/lb
Open Mesh Floors £10.00
Subject to Condition - Excellent/As New, Good, Poor No other property will be paid for i.e. hives are not covered If two or more claims have been made in the previous two years compensation will be reduced by 25%.
If three or more claims have been made in the previous
three years compensation will be reduced by 50%. The maximum compensation
payable to an individual is £2,500
in any one year of insurance.
There are two Schemes - A & B:
Scheme A is for beekeepers with up to 39 colonies, who are members
of an association.
Scheme B is for beekeepers with 40 or more colonies, who may
or may not be members of an association Scheme B is managed by Mrs Sharon Blake,
Stratton Court, Over Stratton, South Petherton, Somerset, TA13 5LQ phone: 01460
242124, E-mail: m-s.blake @ overstratton.fsnet.co.uk.(Anti-SPAM remove spaces
and last dot)
Claims under both schemes are managed by Bernard Diaper, 57 Marfield Close, Walmley, Sutton Coldfield, West Midlands, B76 1YD, Tel: 0121 3133112, E-mail: bdi @ bee-dee.co.uk.(Anti-SPAM remove spaces and last dot)
See Technical Information for background on BDI.