Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.
Apiculture (Bee) Rainfall Index Insurance
Protect Forage-Driven Production
Apiculture coverage applies the Rainfall Index concept to beekeeping. If precipitation in your grid is below the long-term average during chosen intervals, payments help offset reduced nectar flow and honey output. Bowerman Insurance Agency supports apiaries across the US, where bees are vital to local agriculture.
Simple, Scalable Drought Coverage for Apiaries
Coverage Based on Rainfall Data
Select grids (where your colonies are located) and coverage intervals that match key bloom periods-like spring alfalfa or summer clover.
No Yield Records Needed
If rainfall in your chosen grid and period is below the historical average, you receive an indemnity on your actual honey yield.
Covers Supplemental Costs
Payments can offset lost honey sales, extra feed costs, or relocating hives to better forage during dry years.
Federally Subsidized
Premiums are affordable, even for hobby or small commercial beekeepers-coverage and cost scale to your apiary's size.
Insure Colonies by Grid and Interval
You insure a set number of colonies in specific grid locations and time periods. Low rainfall in those intervals can trigger a payment-no need to weigh honey or prove individual hive losses. We'll map your locations and align coverage with bloom windows.
Commercial and Growing Apiaries
Whether you manage dozens of colonies or run a larger pollination business, this program can stabilize revenue in dry years. Many beekeepers coordinate Apiculture coverage with PRF on forage acres used by their land partners.
Common Questions from ND Beekeepers
Is it subsidized?
Yes-premium subsidies help keep coverage affordable.
Does it cover hive loss?
No-it responds to low rainfall, not disease or theft.
When do I enroll?
Typically in the fall for the next year; we'll confirm dates.
How many colonies do I need?
Programs scale from small to large operations-let's tailor yours.
We are licensed in several states, so if your colonies/hives aren’t in ND, we can still help you!
We have written Apiculture Insurance since the inception and understand how to structure your policies to get the best coverage. For more information, please contact Bowerman Insurance.