Alishahi InsuranceIndependent Insurance Broker
Glass-walled house with a pool
Who insures it · 3 named markets · read 2026-10-28

Who insures beekeepers?

Beekeepers is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

3 markets publicly write beekeepers: Beekeeping Insurance Services (CKP Insurance, a division of Brown & Brown), ProAg (Producers Agriculture Insurance Company / Tokio Marine HCC), Farmers Mutual Hail Insurance Company of Iowa (FMH). 1 program administrator, 1 MGA, 1 admitted carrier.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Beekeeping Insurance Services (CKP Insurance, a division of Brown & Brown)
Program administrator		Apiculture (USDA API) crop insurance for beekeepers' colonies by eligible grid, offered nationwide; specialist beekeeping agents
“Providing beekeepers with the best possible insurance options.”		48 contiguous states (page: 'now spans the entire 48 contiguous states'; 'Nationwide')not statedbeekeepingins.com · read 2026-10-28
ProAg (Producers Agriculture Insurance Company / Tokio Marine HCC)
MGA		USDA Rainfall Index Apiculture (API) insurance for owned honey bee colonies protecting honey, pollen, wax and breeding stock income; single peril (lack of precipitation), federally subsidized; self-described managing general agency representing several risk-bearing insurers
“Apiculture (API) insurance provides a safety net for beekeepers' primary income sources”		not stated (state selector lists all states except Alaska)not statedproag.com · read 2026-10-28
Farmers Mutual Hail Insurance Company of Iowa (FMH)
Admitted carrier		USDA RMA Apiculture (API) rainfall-index policy option within its 'PRF + Apiculture' MPCI products, protecting honey production for beekeepers' colonies; self-described 'America's Crop Insurance Company'
“This program utilizes various indexing systems to assess plant growth and vigor, which correlates to honey production.”		not statednot statedfmh.com · read 2026-10-28

Only two verifiable markets after a genuine attempt, both for USDA apiculture (rainfall-index) crop insurance. No US beekeeper liability program was verifiable on its own site: NAU Country, Rain and Hail and FLIP (honey sellers) pages were rate-limited; NYCM and Ohio Farm Bureau articles state no writing company's appetite; the ABF-endorsed liability provider was not verified. FMH's PRF + Apiculture page verified by the lead agent on 2026-10-28; Rain and Hail, NAU Country and Hudson Crop homepages carry no apiculture text. All three listed markets are federal apiculture (rainfall-index) crop p

How beekeepers gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Check who's likely to insure yours

Hard to place?

Send it once. It goes to the markets that write it.

A few minutes to request the quote; it reaches the markets that take beekeepers, and the answers come back by email.

Get a QuoteCall (877) 711-4545
Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.