In the hunting accident scenario from the previous posting, Mike didn’t expect John to name him in a lawsuit, after all they had been friends for 25 years, but he could have. Fortunately, Mike had purchased liability insurance to cover the hunt club members and the landowner.
Is Liability Coverage Needed?
Liability lawsuits can ensue as a result of the emotional and financial stress resulting from injury. If you are leasing hunting land from a private landowner, hunting lease insurance can protect you and your loved ones from financial catastrophe. With a general liability insurance policy, coverage is provided if a club member is found legally responsible for the accident. The beauty of hunting lease liability insurance is the fact that the insurance company is obligated to defend you whether it is a frivolous case or not.
What Coverage is Needed?
Most policy holders look for the following benefits to be included: Member-to-Member Coverage, Guest Liability Coverage, Fire Damage Liability, and Liability from tree-stands and ATV’s. The coverage most recommended has $1 million per occurrence general liability coverage and $2 million general aggregate.
Who Should be Covered?
All landowners who charge a fee to hunt. Most state statutes offer a lower level of liability protection when there is compensation involved. The American Hunting Lease Association (AHLA) program is designed to protect both the landowner and the hunters and can be purchased by either party.
How Much Will It Cost
Prices vary from underwriter to underwriter and are sometimes based upon a number of variables. Some insurers will charge based upon number of people in the hunt club, game harvested, location of the property, size of the property, and cost of lease. Prices can range from $175 and up per policy. At American Hunting Lease Association the price is based upon one variable: acreage. AHLA is one of the top sellers of hunting lease insurance in the country and gets low pricing due to the high volume of policies sold. Through AHLA, a policy that insures both landowner and hunting club costs only $175 up to 500 acres.
Does the Landowner need to be Named as an Additional Insured?
More and more landowners are requiring the hunting club to purchase insurance naming the landowner as an additional insured. If the landowners are named in a suit caused by an occurrence of the hunting club on their land, they will be covered.
What Protection is Provided to the Club in the Event of Legal Action?
If the hunting club becomes legally obligated to pay damages for bodily injury or property damage arising from claims against the club, the hunting lease liability insurance policy will pay all sums due up to policy limits.
What separates American Hunting Lease Association’s Policy from other Underwriters?
- Annual insurance rates as low as $175.
- No membership dues or any other hidden fees.
- No Deductible.
- AHLA offers a hunting lease agreement template FREE to policy holders. Use AHLA’s program and put your trust in a time tested proven contract. A sample lease agreement can be viewed at www.aHuntingLease.org.
- The Insurance Carrier is Praetorian Insurance company, rated “A (excellent)” by A.M. Best.
We can control a lot of outcomes in the woods, but when tragedy strikes it is better to be safe than sorry. Is it worth the risk to put your financial security at stake due to an unforeseen catastrophe?
