Liability Insurance

[Gscot]

Was wondering ,"If I join the SBA does it give full liabilty insurance?" Read the SBA infomation on insurance but just trying to confirm its full insurance. Have one and a half hives at the moment but hoping to expand to three.

Had a few remarks about requiring liabilty insurance for honey bees and I dont want to get stung.

[Jimbo]

Hi Gscot,

If you give Charlie Irwin a call. He is the SBA Insurance guru. You will get his contact details on the front inside cover of the SBA mag.

[gavin]

As Jimbo says, Charlie has the full details. Also this on the main site:

From: http://www.scottishbeekeepers.org.uk/contacts/documents/manual.pdf

6.2 Public and Product Liability Policy

The SBA has a Public and Product Liability policy with the Royal & Sun Alliance. This policy covers all classes of member of the SBA. Details of the policy can be obtained from the Insurance and Compensation Convener on request.

For guidance only, a leaflet has been produced giving brief details of the cover. A copy is among the Reference Documents supplied with this Manual. Spare copies of the leaflet can be obtained from the Insurance and Compensation Convener. Each new member is given a copy of this leaflet.

6.2.1 Limits of Indemnity
These vary from time to time, and the latest values are printed in the current issue of the Insurance
leaflet referred to above.

The main risks covered are:
a. Pollution
b. Products Liability
c. Other Events (Public Liability)

6.2.2 Main Exclusions
a. Gradual and/or non-accidental pollution.
b. Injury or disease sustained by employees.
c. Loss of, or damage to, property in Members' custody or control.
d. Any activity incolving asbestos.
e. Aggravated Nuisance.

The last risk is construed as a deliberate act which results in the disturbance of an adjacent owner's right to the comfortable enjoyment of his property. This exclusion shall not apply in respect of "Nuisance" caused by a sudden, identifiable, unintended and unexpected incident which takes place in its entirety at a specific moment in time and place.
For the policy conditions please refer to the leaflet.
Unless these conditions have been adhered to, no cover will be recognised by the company.

6.2.3 Claims
All claims must be made in writing to the Insurance and Compensation Convener, as described in the leaflet. A claim form will be forwarded to the claimant. Please take special note of the 40 day rule which applies to this policy (see condition 7 of leaflet).
NB. It is essential that the leaflet has been read by all members of the Local Association. Try to include a mention of it at your AGM or some other meeting.

6.3 Compensation Scheme
This scheme is entirely financed and managed by the SBA for benefit of its members. It is, however, restricted solely to stocks located in Scotland. On payment of their subscriptions, full members are covered automatically for up to 10 stocks.

Affiliates, who have paid their Affiliation Fees, are invited to join the Scheme in respect of their stocks located in Scotland. [I don't think that we have affiliates?]

The details of the scheme are in the Insurance and Compensation Scheme leaflet referred to above and this should be read for full details of the conditions.

[Gscot]

Thanks Gavin and Jimbo For taking the time to help.