Commercial and semi-commercial beekeepers sell honey at markets, run open days, employ or host volunteers, and keep valuable equipment in the field — each of those activities carries a different insurable risk. This 2D companion draws the same honey stall and apiary as a flat top-down ledger and lets you fire a realistic incident at it, then shows exactly how a policy's sum insured and excess decide what the insurer pays versus what the business absorbs itself — plus a running loss ratio so you can see whether the premium you'd actually be quoted covers what gets claimed.
Many UK beekeeping associations bundle third-party (public) liability cover into annual membership at a fraction of the cost of an individual commercial policy — but it typically does not extend to product liability for honey sold at scale, or to equipment theft, which is why many small businesses buy separate cover for those.
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.
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.
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.
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.