Honey from Bee Hive Leaks into Dwelling

May 20, 2015

Is there any coverage on an all risk policy for damages due to a bee hive leaking honey into the wall cavity of the dwelling?

New York Subscriber

It depends on your policy language; the ISO HO 00 03 05 11 excludes birds, rodents, or insects and nesting or infestation, or discharge or release of waste products or secretions by any animals. While ensuing losses not otherwise excluded are covered, since bees live in the hives the leakage of honey is not ensuing, it is a direct loss. There is no coverage.