Description

BC Honey Producers Association Comprehensive General Liability Insurance

Co-Operators General Insurance Company developed this policy exclusively for the members of the BC Honey Producers Association through our insurance agent.

This inexpensive group plan was designed specifically to provide liability coverage for honey producing operations where coverage would normally be excluded under the farm liability or any personal liability. Besides the normal coverage that the standard Comprehensive General Liability, Farm Liability or Personal liability policy provides, this certificate covers the commercial aspect of honey producing operations which might result in personal injury or property damage to a third party due to negligence and includes such coverage as Fungi & Fungi Derivatives, Forest Fire Fighting Expense and Vendors Liability. This policy does not cover operations in the United States.

NOTE:  This General Liability Insurance does NOT cover BCHPA Instructors or Errors and Omissions.

The cost to the BCHPA member is $95.00

Liability:

Bodily Injury & Property Damage                                         $5,000,000

Annual Aggregate on Products & Completed Operations     $5,000,000

Personal Injury                                                                 $5,000,000

Medical Expenses                                                               $5,000

Tenants Legal Liability                                                        $1,000,000

Fungi & Fungi Derivatives Limited Liability                                $250,000

Non Owned Automobile                                                         $3,000,000

SEF #94 Damage to Hired Automobiles                                  $50,000

Employee Benefits Errors & Omissions                                 $3,000,000

Advertising Injury Liability Endorsement                             $100,000

Annual Aggregate On Advertising Injury Liability               $100,000

Forest Fire Fighting Expenses Endorsement                           $50,000

Vendor’s Liability Extension                                                 Included
Deductibles:

Bodily Injury & Property Damage-Each Occurrence                $2,500

Damage to Hired Automobile-Each Occurrence                       $500

Tenants Legal Liability                                                               $500

Employee Benefits Error & Omissions-Each Claim                 $1,000

Forest Fire Fighting Expenses Endorsement                           $1,000

This insurance policy is on a yearly basis from January 1^st to December 31^st.

Endorsements/Special Exclusions

This policy excludes all claims arising out of “bodily injury” or “property damage” caused by apitherapy or medical treatment using bees.

Forest Fire Fighting Expenses Endorsement:  If you are moving your hives into the forests to take advantage of the fireweed and other mountain vegetation you should invest another $100.00 to have a $1,000,000.00 extra rider for the Forest Fire Fighting Expenses Endorsement.