Fall marks the beginning of football and, of course, hunting season! The feeling of being out in your deer stand amongst the peace and quiet of nature is only rivaled by the thrill of spotting a monster buck. With your adrenaline pumping and focus setting in, the last thing on your mind is whether or not your insurance would cover you in case this whole thing goes south and you injury yourself or someone else. The question is, do you know the liability involved for both the hunter and the landowner of the property you may be hunting on?
This is the person who offers their land for others to hunt on for a fee or as a guest.
This is either the landowner, a guest of the landowner or an individual who is paying the landowner to hunt on their property.
Now as a landowner, they need to make sure they are properly covered. Standard homeowners insurance policy covers the landowner if they are hunting on their own property from injury and damage sustained to others. Typically the homeowner’s insurance policy also covers guest invited by the landowner, however, rules change once the landowner allows others to hunt on his/her land for a fee.
Hunting Lease Liability Insurance
This is sometimes referred to as Hunt Club Insurance. This type of insurance is offered for landowners, hunt clubs, members, and guest. Hunt club insurance protection covers you from occurrences arising out of hunting activities & operations and protects its members & guest. Hunting lease liability insurance includes coverage for:
- Guest Liability coverage
- Medical Expenses- coverage for accident related to liability
- Premises liability
- Member to member coverage
Landowners have the duty to protect their assets from risks associated with land ownership and claims made against them by guest or trespassers. The biggest risk a landowner can take is assuming their homeowner’s insurance policy covers them for any and all liability risk resulting from hunting. If you are a landowner and are either leasing land or allowing people to hunt on your land for no fee, it is still a good idea to purchase hunting lease liability insurance.
Hunting carries serious risks & liabilities that hunters and landowners should address before any hunt takes place. If you are the landowner and have questions about what your homeowners insurance policy covers see your insurance architect and they can answer any questions you may have. If you are the hunter, hunt club, or landowner leasing your land you can search for online for a carrier that does hunters lease liability insurance. Once you hunt down the right coverage for your needs, you can fully concentrate on bagging that monster buck.