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Dec 12, 2017 8

Best Things that Hunting Insurance Covers

All the successful hunts in your life become obsolete once an accident occurs. How many outings had, then Vice President, Dick Cheney had before his 2006 accidental shooting of a hunting partner? No one knows, but his ill fate proved that accidents can happen to anyone. In the US and Canada combined there are approximately 1000 firearm related hunting accidents annually, according to information released by the International Hunter Education Association. From those accidents, most occur due to failure of the shooter to identify the target. Proving fatal for approximately 100 persons annually.

Hunting Dangers

The first thing most people think of is injury or death from firearm accidents. While these occurrences add to the statistics, the number one cause or injury or death for hunters is tree stand accidents. Hunters 20-30 feet in the air, mud covered boots standing in the darkness of the damp dew of early morning - one false move and you have the perfect recipe for disaster. The very nature of hunting takes you to unfamiliar territory, through rough terrain, near or on water. No amount of firearm safety courses can prevent slips, falls, vehicle accidents or camp fire mishaps.

Landowner Responsibilities

Landowners that lease their property for hunting have the legal responsibility to keep the premises safe. They are also obligated to give lease holders timely notice of hidden or dangerous conditions of which they are aware, or that a reasonable inspection would reveal. This can include abandoned wells, cliffs, sinkholes, traps, trees with insect infestations, unsafe, old tree stands, livestock etc. Some landowners choose to sign a lease agreement with a hunting club that allows them to manage the hunting lease.

Liability

Being mindful of the risks may help, but when an accident happens, hunters stand to lose far more than the prey that got away. Hunting insurance is a wise investment to protect against the liability the sportsmen may face and protect their personal and family assets. It also provides protection for landowners leasing their property for hunting purposes. Homeowners insurance does not typically provide coverage when someone charges a fee to hunt on their land. Therefore landowners need to have a written agreement (lease) between themselves and the hunter or hunt club and should purchase hunting lease liability insurance. Many hunt clubs carry liability insurance on their members, but landowners may require that it be carried as part of the lease of land agreement.

Hunting Insurance Coverage

Standard policies, recommended by many agents, provide $1 million per occurrence general liability coverage and $2 million general aggregate coverage with minimal or no deductible.

Additional coverage often includes:

  • $1000,00 Fire Legal Liability (coverage of a tenant’s liability for damage by fire to the rented premises)
  • Member to member coverage (Hunt clubs need coverage for liability resulting from property damage or bodily injury to third parties, to protect members, guests, staff, landowners or bystanders.)
  • Guest liability coverage (Hunters need liability insurance to protect themselves, other members of their hunting group and guests against acts for which they could be held responsible.)
  • Limited coverage for firearms, tree stands, ATVs, watercraft, cell phones, electronics, hunting dogs and more.

Stay alert, practice hunting safety at all times and contact an agent or search online for coverage options to find the hunting insurance that best meets your needs.

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