Hunting Insurance – What you need to know

Insurance is the Debbie Downer of everything fun.  Want to buy a house?  …make sure you factor in insurance

Want to buy a motor boat? Fishing boat?  Hey your handy and can winterize and do maintenance, right?  Don’t forget about insurance.

If you’re a hunting outfitter or landowner who leases or has someone hunt on your property it’s a good idea to get insurance.  I’ve seen some folks recommend hunters get hunting insurance but in most cases that’s a little much.  If you have the money go for it.  If I had the money, I would probably have insurance for everything but, you have to draw the line somewhere.  I’m a responsible hunter and don’t put myself in bad situations so my chances of being in a situation where I need personal hunting insurance is extremely low.

Why to get hunting insurance for an outfitter or landowner

As an outfitter and landowner it’s a different story.  Even if you’re good, as we say in the Army, the enemy has a vote.  In this case, that’s your client or leaseholder.  Generally, I would say people who like hunting are a good 10-20 IQ points higher than your average American. But, that doesn’t mean there aren’t some dumb SOBs out there that will truly do the unexpected.  Thus, it’s critical that one of your first expenses, before you write off your new rifle, is to get liability insurance.  Then, by all means, your second expense should be that rifle

What hunting insurance do you need?  –Check out our Hunting Insurance Comparison Guide!

As a general rule, the amount of insurance should be dictated by the amount of damage that could be done.  This should be dictated by two things.  Because of the nature of hunting (firearms/bows) you need to be covered in the event of a fatal accident.  Next is the actual property.  For instance, if you are a landowner and the lessee will be driving a vehicle, ATV etc…that should be included in the amount of coverage needed. 

Things to think about when selecting hunting insurance:

Occurrence based vs. Claims based Insurance: 

First you need to ensure you know exactly when and how you are covered.  There are two types of insurance.  Occurrence based insurance works how you would think insurance should work.  This means you are covered for any ‘occurrence’ (event) that happens during the term of coverage.  Right now your saying “ok…duh”.  Enter Claims based insurance.  This insurance covers a period of time from when a claim can be made not necessarily the actual event in question.  This means if you have claim based insurance for the month of April and an incident happened on April 20th but, the claim is not made until May 1st you may be out of luck.  We recommend occurrence-based insurance because it’s a much safer form as long as you have insurance when you are operating.  

Next, you want to make sure the plan duratioun fits your hunting insurance. 

Will it tailor for the timeframe you need it?  You don’t want to pay insurance during a timeframe you don’t need.  Or you can check if it pro-rates the difference back to you if you cancel early.  Getting a flexible plan that pro-rates can often be the best for a semi-professional with seasons that start on stop quickly.   

Is there a deductible? 

Don’t fall into the trap of getting wooed by different insurance company prices that are hiding some of their cost and risk in the deductible.  Remember this is the amount you will pay if a claim is made.  Make sure is attainable.  

Per Occurrence Liability Coverage:

This is the maximum amount your insurance will pay for any single vent no matter the circumstances or the number of people involved etc…

General Aggregate Coverage:

The is the coverage you receive when the bodily injury and property damage totals are combined.  You will not receive any additional coverage unless you purchase an umbrella policy.  

What’s covered:

Because hunting is so unique you’ll want to make sure you have the specifics covered as it relates to what activities will be taking place on your property or during your guided hunt.  i.e. Tree-Stands, ATVs, guest coverage etc…

 

Download out Hunting Insurance Comparison Guide below!

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