Hunting Club Liability Insurance

THERE ARE REASONS TO PURCHASE HUNTING CLUB LIABILITY INSURANCE?

What does the OIC Club Policy Include?

• $1 Million Per Occurrence/ $2 Million General Aggregate
• Liability coverage for accidenats involving firearms, tree stands, ATV's, mobile equipment, limited watercraft and more.
• Member-to-Member Coverage
• Guest Liability coverage
  
• No Deductible
  

Whether you are a member of a hunting club or a landowner leasing to a hunt club, liability insurance is essential. This is because both parties assume a degree of legal risk. Landowners have a duty to guests, those paying to hunt (leaseholders or clients) and, to a lesser degree, trespassers. Hunters need liability insurance to protect themselves, other members of their hunting group, and even guests aginst acts for which they could be held legally responsible. It is simply not worth the risk of your personal assets or financial security for an unfortunate accident or acts of others on your property you hunt.

FAQ

What period does the policy cover and are premiums prorated?
The policy runs from August 1 to August 1 each year. Rates are not prorated if you purchase a policy in midyear. An annual policy can be purchased for $230. (Minimum premium)

Does a hunt club have to be a formal entity including bylaws?
Any group of hunters can purchase coverage but a hunting club name must be provided to identify who is included in coverage.

Does the landowner have to be named as an additional insured on the policy?
Most landowners require their hunting club to endorse them on the policy as an additional insured to provide protection against legal action resulting from activities of the club. For multiple landowners, each landowner would have to be named as an additional insured. If the land is owned by a company, family trust, or other legal entity, that legal entity would need to be endorsed as an additional insured.

What are some exclusions of the policy?
Some examples of exclusions include bodily injury or peoperty damage arising from the use of vehicles, aircraft, pollution, worker's compensation, assault and battery, intentional or expected acts and commercial hunting operations.

Can a commercial hunting operation or owned land used for hunting be insured?
Seperate liability coverage can be purchased by completing the appropriate application. Call for furthur information; 866-695-9040

Click here for the Liability Hunt Lease Application