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. Gateway Insurance Agency supports apiaries across the US, where bees are vital to local agriculture.

Simple, Scalable Drought Coverage for Apiaries

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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.

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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.


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Covers Supplemental Costs

Payments can offset lost honey sales, extra feed costs, or relocating hives to better forage during dry years.

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Federally Subsidized

Premiums are affordable, even for hobby or small commercial beekeepers-coverage and cost scale to your apiary's size.

Key wildflower and crop blooms depend on timely rainfall for nectar flow.

Coverage intervals can be customized to match the bloom schedule of your local forage.

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Works for both stationary and migratory beekeepers (multi-state options available).

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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.

Key wildflower and crop blooms depend on timely rainfall for nectar flow.

Coverage intervals can be customized to match the bloom schedule of your local forage.

A black circular icon containing a bold checkmark.
A black checkmark icon inside a circle.
A simple black icon featuring a checkmark inside a circle.

Works for both stationary and migratory beekeepers (multi-state options available).

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.

Green leafy plants being watered, water droplets visible.
Green leafy plants being watered, water droplets visible.

Apiculture Rainfall Index-Questions Answered

  • 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.


Local, Licensed, and Experienced

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 Gateway Insurance.