Each hive in this apiary sits under a translucent policy shield — a stand-in for a beekeeping insurance policy. When you trigger a hazard (storm, fire, theft or notifiable disease), damage particles travel from the hazard source toward the hives. Whether each strike becomes an insured claim or an uninsured loss depends on the coverage level you set — exactly the choice a real beekeeper makes when buying colony, equipment and business-interruption cover.
Standard UK household insurance almost never covers bee colonies, hives or beekeeping public liability — most beekeepers need a specialist policy (often via a beekeeping association scheme) that bundles colony loss, equipment, and third-party liability cover into one annual premium.
An apiary sits under a translucent policy shield. Trigger a storm, fire, theft or disease event and watch which hives become covered claims and which become uninsured losses, based on the coverage and deductible you set.
Coverage level sets the probability that a hazard strike is absorbed by the shield and becomes a claim rather than a straight loss; the deductible and apiary size feed into a live estimated premium.
Set coverage, deductible and apiary size, pick a hazard type, then trigger an event. Green rings mark claimed hives, red rings mark uninsured losses — check the running claim payout and out-of-pocket totals.
Ordinary home insurance almost never covers bee colonies or beekeeping liability — most beekeepers buy cover through a specialist scheme, often bundled via a national beekeeping association.