Does insurance cover a claim by allergic neighbours?

Here's an example: 

A beekeeper proposes to have some hives in his yard but knows that a next door neighbour is allergic to stings (bees included) and has an Epipen for treatment of possible allergic reactions. Will the beekeeper’s Public and Products Liability cover a possible claim from the neighbour?

This is a grey area. The policy states that it “does not apply to or include legal liability … for or arising out of the deliberate, conscious or intentional disregard by the Insured's directors or managerial or supervisory Persons Employed of the need to take all reasonable steps to prevent Injury or Damage”.

In the event of the claim the insurer would consider the exact circumstances and may decline the claim.

We put members questions about their insurance to Irecon, the ABA insurance broker. For individual advice you should refer to policy details.