Below is the last 8 years of history for Bon Homme County in South Dakota.  If you are close to this area, the below should be used as a guideline.  I'd be glad to send you the data for your county.  As you will see, the insurance premium for this coverage is $11.00 per colony per year.  In 2013 the Indemnity or payment from the insurance company was $16.  2012 $49.00 ; 2011 $9.00 ; 2010 $6.00  ;  2009 $32.00  ;  2008 $25.00  ;  2007 $17.00 and 2006 $30.00.    As you can see in only 2 of the last 8 years,  did you not get your $11.00 back.  Years 2011 and 2010 only returned part of the premium back $9.00 and $6.00  If we take the average of the 8 years your indemnity was $23.00 per hive.  Take the $11 premium out and it gives a profit of $12 per colony per year added to your bottom line.


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