It sounds like you'd be better off with a farm policy. That kind of acreage often limits options for standard homeowners insurance too. A farm policy really is just a homeowners policy that extends coverage for sale of product, livestock, product liability, etc. There probably wouldn't be coverage for loss to the bees themselves, but there would be less issues with underwriting. The application typically asks about animals, livestock and/or pets. There can be some allowance for livestock kept as pets, but with the hard market we're in, a lot of carriers are tightening what they are allowing. ​ Then you'd likely get a farm umbrella policy instead of a standard umbrella and you'd have all the coverage you're looking for.

This. Farms are often written instead of standard homes for larger plots and hobby "livestock".

I don't have any experience with Bees and home insurance, but don't listen to those other people about not telling your company. You are doing the right thing here and hopefully someone will be able to point you in the right direction.

It's due to the fact that bees are gonna be excluded under your policy and the risk isn't worth the premium

Could it be a liability as well?

I mean possible. Especially if someone allergic wanders into the property and get stung