A single bad night can wipe out a season's income for a small beekeeping operation: hives stolen from an isolated apiary, a grass fire sweeping through in dry weather, a storm toppling stacks of supers, or a notifiable brood disease forcing a reporting order and destruction of colonies. This model turns those scenarios into a 3D apiary yard so you can see, hive by hive, how coverage and preparedness change the outcome.
In many countries, notifiable bee diseases such as American foulbrood must be reported to the relevant authority by law — failing to report is often itself an offence, and the resulting quarantine or destruction order is rarely covered unless a policy specifically includes disease-loss cover.
An interactive apiary yard where you trigger theft, fire, storm, or notifiable-disease scenarios and watch how insurance coverage and record-keeping quality change the payout, the net loss, and how fast the operation recovers.
Each event type damages a different share of the apiary in a different way — theft removes hives outright, fire chars them, storms topple them, disease forces destruction under quarantine — and the model turns coverage and documentation quality into an actual payout figure.
Set apiary size, pick an emergency type, and adjust insurance coverage and record-keeping quality, then press Trigger event. Covered hives get a green ring; the stat panel shows loss, payout, net exposure, and recovery time.
Insurers routinely reduce or deny bee-related claims when hive registers, photos, and valuations are missing — good record-keeping is itself a form of risk management, not just paperwork.