Category Archives: Hunt Lease Insurance

Outdoor Insurance Group Knows that Buying Turkey Hunting Lease Insurance Can Be Confusing

It’s important to buy your turkey hunting lease insurance from a specialty firm like OIG.

While turkey season is here, it’s time for hunters to look for lease insurance and firm up leases for the Spring hunting season. The first thought is to look online.  But internet searches can often lead to misleading and confusing information, even for the professionals.  The best defense is to gain an understanding of what’s featured in the fine print.  This can be done with a free consultation at Outdoor Insurance Group.  Other companies may quote low prices, but a look at the fine print will disclose high fees. There are also instances of membership fees to join an association for access to the same policy that is available at Outdoor Insurance Group with no membership fees attached.  Take the time to sit down with a professional in lieu of a random internet search.  Going straight to the source – a specialist firm staffed by professionals who are hunters themselves – will save you time and money.

Outdoor Insurance Group’s outdoor recreation insurance strategies insure adventure outfits nationwide, for hunting, fishing, surfing, paddle boarding, horseback riding, hiking, kayaking and canoeing, camping and ATV tours and more.  Our hunting specialists will always work with you to design the strategy that uniquely serves your needs.  Call today for your free consultation (888) 683-7808.

Hunting Lease Insurance

For as long as humanity has existed, there has been hunting. While modern agriculture has drastically changed the way humans obtain food, hunting is still important. In addition to shooting game for sport, responsible hunters like yourself also act as conservationists by reducing animal overpopulation.

While hunting remains incredibly popular and there are increased efforts to improve the safety of the sport, you’re probably aware that there are still certain risks to health inherent to hunting. When there is risk, there is also the potential for a lawsuit. This is why individual hunters, hunt clubs and property owners should consider hunt lease insurance.

The Risks

Hunting risks are varied and are unique to the role that a person plays in the hunt. The most obvious concern would be the risk of a hunter accidentally shooting someone else, either another hunter or an innocent bystander who happens by. In fact, you may even be liable if a trespasser is injured while on the property.

There are numerous other areas of potential liability. Here are a few:

Fire: Hunting often involves camping, sometimes for multiple nights. Campers often burn fires for both cooking and warmth. While you may be very careful about fire safety, accidents do happen. Similarly, if you allow people to camp on your land, you can’t very well hover over each campsite to ensure that guests are tending their fires and extinguishing them properly at the end of the evening.

ATV damage: Accidents can happen on your property as well as that of your neighbors. Some insurance specialists point out that ATV drivers sometimes accidentally take out chain or wire fencing put up by farmers. Fixing the damage can be costly, which is why these policies often provide ATV damage coverage.

Self-inflicted gunshot wounds: Unfortunately, both novice and experienced hunters can make miscalculations or be careless. This can result in a self-inflicted gunshot wound. Insurance coverage can help with medical expenses and the cost of recovery.

Operations: As a landowner, you are likely very concerned about making sure that your property is safe and well managed. Unfortunately, overlooking and aspect of your operations can result in an accident that you can be liable for. Insurance can protect you against litigation and financial loss.

The Policies

Hunters and landowners generally have several options when purchasing a policy. Options will depend on the nature of the policy obtained. For example, if your hunt club purchases a policy, the policy could provide member to member coverage, as well as guest hunting lease liability protection so that no one in your organization could be held responsible for damaging a landlord’s property.

Getting a Policy

As with the purchase of any insurance policy, it’s important for consumers to carefully review their needs and discuss coverage with the policy salesperson. Depending on whether you are a hunter, a club representative a landlord or a combination of any of these. Review the policies as well as any riders that are available. In some cases, if you belong to a hunting association, you may be able to receive preferential pricing on your policies.

A Word About Hunt Clubs

One other thing about hunt clubs getting hunt lease insurance: Your club is probably very important to you. In addition to a shared love of the sport, you probably have strong friendships with fellow club members. Unfortunately, accidents can sometimes put strains on relationships when hunting lease liability issues crop up.

When your club has appropriate insurance coverage, you minimize the risk of hard feelings and relationship stress caused by legal hassles and possible litigation. Insurance is not only an investment in the financial well-being of your club and its members, but it is also an investment in the friendships that you all share and cherish.

Final Word

Hunting lease insurance maybe one of the best things you can do to protect yourself, your property and your finances if you are a hunter or landowner. It is not expensive, and it helps to ensure that if something does go wrong, funds will be available assist in the recovery of those who are affected. It will also protect you against financial losses that could be devastating to you and your family.

Hunt Lease Benefits & Coverages

General Liability for Bodily Injury and Property Damage

This policy covers third party bodily injury and property damage resulting from the negligence of an insured. Club members are insureds, so are scheduled landowners.

Member to Member Coverage

You see this coverage advertised all the time, what does it mean? Well it means a member that is sued by another member would have coverage because they are additional insureds on the policy. Some policies will exclude this coverage and members would be on their own if they are responsible for a covered injury to another member. With member to member coverage, the insurance company will defend the member being sued. This is a significant benefit to all hunt club members.

Some companies will exclude this type of claim via an endorsement called a “Cross Suit Exclusion”. If you have one of those you need to change companies. Hunt Lease Insurance is just far too inexpensive and way too available to have to settle for policy with this exclusion. Even if not purchasing from us, don’t opt for a policy with these exclusions. Same goes for claims stemming from Elevated Hunting Platforms (tree stands) or use of ATVs.

Other claims that would be effected by a “Cross Suit Exclusion” would be claims between the club and the landowner. And this type of claim is more common than you would think. Lastly, members suing the club would also be excluded by some of our competitors. Members sue the club or other members all the time: after all, this is America, and damages are always somebody else’s fault. The most economically significant claims would be excluded by such an endorsement. Mostly this type of endorsement is found on polices that are underwritten in other countries, particularly countries that like soccer and eat a lot of fish and chips and they have a big clock.

Medical Payments

Don’t be fooled by this coverage, this is not a Health Insurance policy, medical payments means no fault coverage for claimants as a “good will” act by the insurance company to keep an injured party from bringing a larger lawsuit. Big note of caution and what clubs and members need to understand is that insureds are excluded from collecting on this benefit. So only guests and trespassers can really file a claim under this coverage. The bigger and more important coverage is that “Club Members” are insureds. Which is more important to you? Of course having $1,000,000 to protect you in a lawsuit is more important than $1,000 of medical payments coverage available for medical expenses when that is what health Insurance is for. Being an insured means you have a team of lawyers and a $1,000,000 on your side to defend you in case you cause bodily injury or property damage to a 3rd party.

No Membership Fees

We charge no membership fees and it is why we are often the most competitively priced policy available. Some hunting insurance policies are promoted through an organization, which the members of the club might be required to join in order to qualify for the insurance. See what the insurance fee covers and what, if any, other fees are required to be paid by the club or the members. Certificate fees are quite common, we have a one time a year fee of $15, other companies can charge the same for each certificate. So if you have multiple landowners your fees keep escalating.

Other programs can charge you $29.00 to be a member and sell you a policy; they give you a hat, some stickers and a bottle of deer piss. We just give you great service and great product.

Guests Liability

Another benefit that is promoted by companies and agents but what is it? Simply put it means a guest can bring a claim against your club if they have bodily injury or property damage as a result of your negligence. Your guests will not be defended by the insurance company, they do not get the benefits of the policy, however, they can sue you and the club. The policy will defend insureds and additional insureds, but guests are neither.

Cost and Rating of a Policy?

The cost of a policy will vary from underwriter to underwriter and will vary depending upon the number of acres in your hunting lease. The annual costs start at around $285. That’s a small price to pay for the peace of mind that comes from knowing you are financially protected. But watch out for the companies that charge membership fees and certificate fees. You need to know the fees upfront.

I am not sure what people expect from a policy that costs $285; but, I hope they understand just how great this program is.

Sometimes Insurance is Not Enough

One of the best ways to reduce the possibility of you and your hunting club having to fall back on your liability insurance to represent you through a lawsuit is to keep the risks on your club property at a minimum. A lawsuit not only costs money but time, and lots of it. Here are just a few examples of potential accidents and ways to reduce your risk.

  • Have members and guests sign a liability waiver each year.
  • If there are any old hand-dug wells on the property, they should be filled and covered.
  • All property lines should be well marked, to keep the club members on their property and warning others not to trespass.
  • If the club has a shooting range, it should be well marked so no one will enter the area without intending to.
  • Old tree stands account for many falls. Once a permanent stand becomes unstable, it should be torn down.
  • Have a property map where the club members can mark where they are hunting. If someone fails to return from a hunt, you know where to go looking for them.
  • Have camp and firearm safety rules, and enforce them.
  • Install smoke detectors in the clubhouse.
  • Have fire extinguishers on hand in the camp kitchen and near fireplaces or wood-burning stoves. Keep the charge current.
  • Have emergency phone numbers posted so all members can see them.
  • Have a plan in case of an emergency or if a member is missing.
  • Offer an annual hunter safety refresher class for the members.

These are just a few ways a club can reduce the chance of having an accident that could require the use of your insurance. A good club policy is to have a club member serve as a risk-reduction officer and make it his responsibility to find risks and eliminate them before they become a liability.

Liability Waiver

Most landowners allowing hunters to hunt on their property require the hunters to sign a liability release form, where the hunter is warned about the many potential dangers of hunting on the property and acknowledges they are aware of these dangers and accept the risks. Now a growing number of hunting clubs are requiring their members and guest hunters to sign a similar liability release, acknowledging they know of the many potential dangers of hunting and accept those risks, holding the hunting club and its members harmless in the event of an accident. If your club decides to use a liability waiver, it should be prepared by an attorney in the state in which the club property is located.

A sample liability waiver can be found on this website. The waiver is not a replacement for a liability insurance, your club still needs the insurance but the waiver just sets a record for proving the person who signed it knew the risks and chose to hunt anyway.

I would never be in a hunting club that didn’t have a solid, up-to-date liability insurance policy. It is a small expense, as hunting club expenses go, and it gives the members protection that they hope they will never need.

Other agencies and programs charge membership fees for what? Company profit, that’s what. We’ll we make our profit from providing great service and retaining our customers year over year. No questions asked.

Outdoor Insurance Group’s Tips for Buying Turkey Hunting Lease Insurance

Well, turkey hunting season is nearly here. Now is the time for hunters to look for lease insurance and solidify their leases for the Spring hunt. Like them, I continually search the internet to see what the competition offers. I often come across things that are misleading, even to someone who has been in this business as long I have. I’d like to point out some of the things that are questionable.

Be wary when shopping for hunt lease insurance.

Some companies quote low prices, but in the fine print there are high fees. For example, I’ve seen membership fees to join an association that offers the exact same insurance offered by Outdoor Insurance Group. Why would someone pay $30 a person to join an association for access to an insurance policy that is readily available from other agents with no membership fee? For the privilege, maybe you’d get a cheap hat, some stickers and a bottle of deer piss… But really, for $20 – $30 a member? If you have five guys in your club, that’s more than the insurance costs itself. So watch out for fees. Ask us. We’ll tell you what the real deal is and be sure to get you the most cost effective option to fully protect your club. Look for an upcoming post about Guest Liability. I see this advertised everywhere, but what does it mean? The answer is going to surprise you.

What Coverage Should Your Hunting Club Have?

The coverage package that is most recommended by the insurance agents contacted at this writing is one which has the following:

* $1 million per occurrence general liability coverage

* $2 million general aggregate

* $100,000 fire legal liability

* Member-to-member coverage

* Guest liability coverage

* Liability coverage for firearms, tree stands, ATVs, mobile equipment, limited watercraft, hunting dogs and more.

Policies of this type are available through Outdoor Insurance Group.

Good Hunt Lease Insurance

Over the past 10 years, liability insurance has become a standard hunting lease requirement. In many cases, private and corporate landowners actually require liability insurance before the hunting lease is finalized.  Buy it here:  HUNT LEASE INSURANCE

Although frequently required, this insurance is often misunderstood. Simply stated, liability insurance is designed to provide coverage for hunting clubs and their members for acts which they could be held legally responsible. Continue reading