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I live and beekeep in Tennessee and am working toward building a beekeeping business but as I expand what is right now just a hobby, I need to expand to other bee yards rather than my own which are not covered under my homeowner's policy. Since I am not yet in business I can't get business coverage, but would like to have some kind of liability coverage for my beekeeping (I'd like to have at least $100,000 in liability limits) so that if they sting someone, or swarm and end up building a colony in someone's walls that I'd be covered if they went after me. So I have a couple of questions, first, could you write such a policy for me, and second, what would the premiums be?

By the way, you wouldn't happen to be this Joe, would you?:

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