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📋 Insurance & Risk Management for Beekeeping Businesses (2D)

A 2D claims-and-cover ledger for a beekeeping business: pick a real-world incident, set your sum insured and excess, then run the claim and watch a live stacked bar split what the insurer pays from what comes out of your own pocket.

Entomology & Insect Behaviour2DModerate60 FPS📱 Mobile-adapted⇄ 3D version

A 2D top-down honey stall and apiary ledger where you pick a real incident — a sting claim, a contaminated jar, stolen hives, or an injured volunteer — set the sum insured and excess, then run the claim and watch a live bar chart split the cost between the insurer and your own pocket, with a running loss ratio across repeated claims.

🔬 What It Demonstrates

How the excess and sum insured on a policy jointly determine payout: the excess is always paid by the business, and any claim amount above the sum insured is also the business's responsibility, even with cover in place — and how a run of claims compares to the premium actually being paid for that cover.

🎮 How to Use

Choose an incident scenario, set sum insured and excess, toggle whether that cover is actually held, then press "Run claim" to generate a claim cost and see the covered vs out-of-pocket split. Run several claims in a row to watch the loss ratio update.

💡 Did You Know?

Public liability cover for stings or minor injuries at an open day is often bundled into beekeeping association membership, but product liability for honey sold commercially usually needs its own separate policy.

⚙ Under the hood

beekeepingrisk managementinsurancebusiness simulationclaimsloss ratiocanvas 2d

2D · HTML5 Canvas 2D · 60 FPS target · runs fully client-side, no install