Dallas, I and others researched Melittin, an active component of honey bee venom. In the lab we exposed bacteria to Melittin inwhich the Melittin would lyse or slice open the bacteria cell wall. We then tried to insert DNA into the bacteria cell via the slice made in the cell wall by Melittin.
My point is bacteria cell walls, that is the membrane is cleaved, cut open, a lytic action, when exposed to Melittin. This cutting of the cell wall is accomplished by a chemical called a phospholipase which is a component of Melittin. Our cells also have a phosphate group on the cell membranes. The phospholipase in bee venom attaches to the phosphate on our cell walls and literally slices the cell open, just as if cut with a sharp knife. Our cell is then destroyed and the phospholipase continues to another cell wall and the process of slicing our cell continues.
Most of us have antibodies to this Melittin {phospholipase}and when our antibody attaches to the phospholipase the molecule becomes deactivated, harmless. So to answer your question when bee venom touches the skin, if you have live cells exposed to the phospholipase then cleavage of the cell happens, ouch.
There is an exception, if a layer of dead cells on the top of the skin acts as a barrier to the Melittin due to degradation of the phosphate group, due to cell death, then there is not much of a reaction to exposed bee venom on the skin.
Take home message is simple, don?t get bee venom on any mucous membrane such as the eyes or mouth or soft skin such as under the fingernail.
BTW: most venom works the same as bee venom, that is a phospholipase group, poisonous snakes contain very powerful phospholipases, whereas black widow spider has phospholipases that are directed at nerve cells thus a neurotoxin. Neurotoxins are one of our most dreaded toxins, however bee venom is NOT a neurotoxin.
Blessings