A customer of a home-based business being injured in or around the home (by a trip/fall, bee sting, dog bite, etc.) is actually a serious concern, and is another good reason to have business liability coverage. If a customer is injured and your homeowner's insurance provider finds out it's related to a business they could potentially deny the claim and you would be on the hook for the customer's medical bills.
Jebus H..... Thank you so much for your concern, I actually have my insurance agent over for a cupcake and a cup of coffee, every couple months, when I bake vegan. She knows what I am doing here, as I have my life, homeowners, vehicle, and business insurance through her, and have used her for the past 12 years, since I started driving. I bring cupcakes to the office every time I go up there, as they are about 2 miles from me and my LICENSED, INSPECTED, INSURED, LEGAL, HOME-BASED COMMERCIAL KITCHEN.
The lady who was concerned about the bee was pissed that I didn't make the 12 different flavors she wanted to try for her free tasting, for a wedding that isn't even going to occur for another 3 years. And I told her 4 times that I have a standard cake tasting I do, and no custom flavors are allowed, and she was welcome to purchase a 6" dessert cake in any flavor she likes for $22. She also showed up wit 3 kids, and 4 additional adults in 3 cars, to which I told her that I didn't have seating for everyone, and asked if she would like me to package the tasting to-go. I mention in my tasting and consultation email that I have seating for 3, and I ask that they do not bring children, as there is no way to entertain them, and I don't want my things messed with.
Not to mention the fact that bee stings are an act of god, and can't possibly be controlled. My neighbors have fruit trees that bees pollinate, it could be those bee's...There is no ownership of bees, and no one could be held liable for it. I don't "keep" them, and I don't live in a hypoallergenic bubble. We live in the country. Bees and squirrels and mice and birds and wasps, and raccoons are daily visitors, they are free to come and go, as they please. If they were INSIDE the bakery, there could be a problem.
People are so ignorant, it hurts my soul.