There were 15 million hunting license holders in the US. In some states, it is challenging to hunt effectively because of the amount of private land ownership. For example, in Nebraska, 97% of the land is privately owned.
This is where your hunting club or land lease business comes in. Hunting clubs offer members exclusive hunting access, whereas hunting land leasing is where a group of hunters come together to pay for a land lease.
One of the most important considerations you should be making for your business is investing in hunting insurance to protect your assets from financial ruin. In this article, you will learn the basics of hunting liability insurance and other policies.
|CoverWallet||NEXT (Best)||Thimble||Hiscox||The Hartford|
|Per occurrence limit||$1,000,000||$1,000,000||$1,000,000/$2,000,000||$300,000/$1,000,000||$1,000,000/$2,000,000|
|Products and completed operations aggregate limit||$2,000,000||$1,000,000||$1,000,000||$1,000,000||$1,000,000|
|Advertising injury coverage aggregate limit||$1,000,000||$1,000,000||$1,000,000||$1,000,000||$1,000,000|
|Tenant’s legal liability coverage limit||$100,000||$100,000||$5,000||$100,000||$1,000,000|
|Waiver of subrogation included?||Yes||No||Included||Can be included||No|
|Hired/non-owned auto liability coverage included?||Yes||No||Excluded||Can be included||Can be included|
|Equipment breakdown floater included?||No||Yes||Yes||Can be included||Can be included|
General liability is a hunting insurance policy covers your business from injury claims and property damage that your business operations cause. These can also include legal fees from lawsuits and medical fees from injured parties. Some examples of situations where you need this policy include:
While leasing your land out to a customer, they trip over some misplaced machinery
During a hunting club activity, a member is injured while hanging a stand
A hunting group with a land lease fails to properly care for the hunting property, causing someone to get injured
Many small hunting businesses will purchase a general liability policy for their commercial hunting insurance with a $1 million per occurrence limit and as much as a $2 million aggregate limit.
An umbrella policy might be a good add-on for hunting businesses because it extends coverage to help cover unusually high losses when another part of your hunters insurance policy is used up.
Another add-on that you might want to include in this hunting lease liability insurance is cyber liability coverage that protects your company against incidents like cyber security breaches and privacy law violations.
This hunting club liability insurance policy would also benefit from tools & equipment coverage to provide additional coverage for guns, HVAC, seats, computers, heater, or any other kind of business equipment that gets damaged or destroyed.
Yes, general liability is one of the most crucial pickups for your hunting insurance policy. You never know when a costly claim can come up during your normal business operations that can cause severe financial harm. General liability policies offer broad protection against common liability incidents like slips and falls.
Yes, product liability insurance is typically included in a general liability policy. This makes it an excellent addition to this hunting club insurance, where you also sell souvenirs to guests.
Public liability insurance is a hunting land liability insurance policy that explicitly covers claims made by the general public that are harmed through your business. Some examples of where you might need this policy are listed below:
A potential hunting club customer slips and falls while on your business property
You knock over a cup of coffee on a member of the public’s electronics while they are inquiring about your business in the hunting lodge
For your insurance, you will want to seek out a $2 million aggregate limit as a baseline, but you should also talk to an expert insurance agent if you want to ensure you get the right amount of coverage. Hunting camp insurance packages can offer a public liability policy with a $3 million-$4 million per occurrence and aggregate if you need more protection.
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|CoverWallet||NEXT (Best)||Thimble||The Hartford||Hiscox|
|Building coverage limit (minimum)||$50,000||$340,000||$25,000/$500,000||$35,000||$25,000|
|Contents coverage limit (minimum)||$50,000||$35,000||$25,000/$500,000||$35,000||$15,000|
|Money and securities||Excluded||$2,500||$1,000||Excluded||Included|
|Lock and keys||Excluded||$2,500||Excluded||Excluded||Included|
|Business interruption floater||Excluded||Included||Included||Excluded||Included|
|Equipment breakdown floater||Excluded||Included||Excluded||Excluded||Included|
|Inland marine insurance floater||Excluded||Excluded||$10,000||Excluded||Excluded|
|Employee dishonesty floater||Excluded||$5,000||$2,500||Excluded||Excluded|
Hunting property insurance will protect your business building and contents against damages. This policy would cover every hunter listed on your lease as well as long as they are on your commercial property premises. Some examples of when to use this insurance include:
Fire causes damage to your hunting club building
Someone vandalizes your hunting property and causes damage to it
A storm damages a sign advertising your business
Umbrella coverage is a good choice when building the best hunting lease insurance for commercial property. It allows you to get additional coverage once you exceed your limits with other policies. Business ordinance coverage can also help you cover the costs of maintaining your hunting lodge and getting into compliance with updated building codes.
Your commercial property coverage limit is determined by the value of your commercial building and the property contained within it, but there is an average, typical limit of about $60,000.
|CoverWallet||NEXT (Best)||Thimble||The Hartford||Hiscox|
|General liability aggregate limit||$2,000,000||$1,000,000/$2,000,000||$1,000,000/$2,000,000||$1,000,000/$2,000,000||$300,000/$2,000,000|
|Commercial property coverage limit||$50,000||$320,000||$25,000/$500,000||$35,000||$75,000|
|Optional policies can be added?||Yes||Yes||Yes||Yes||Yes|
|Name additional insureds for free?||Yes||Yes||Yes||Yes||Yes|
Hunting lease insurance with business owner’s policy coverage combines different policies together under one policy. Typically, this includes commercial property and general liability policies, but it can also include others. Some situations where you might use BOP include:
A hunting club member or customer slips and falls in your lodge
While on your land lease, someone gets injured
Your hunting lodge gets damaged by a flood
If your policy does not come with business interruption insurance, then this is a great policy to pick up for. An outdoor business like yours can fully benefit from the coverage because the weather can often cancel your operations.
Another add-on you might want is employment practices liability coverage. This protects you from discrimination claims from employees as well as wrongful termination lawsuits.
Business owners’ policy coverage limits can vary widely. Typically you will see around a $1 million limit for the liability coverage and $25,000 minimum limit for the property coverage.
|Covers hired and borrowed equipment?||$3,000/$10,000||$2,500/$5,000||No||Yes|
|Miscellaneous equipment also covered?||$5,000/$10,000||No||Yes||Yes|
|Offered as an endorsement to general liability insurance?||Yes||Yes||Yes||Yes|
Tools and equipment insurance policies cover the costs to repair or replace your business equipment and tools. It can also cover expenses when you lend out your gear for someone to borrow. Some examples of when you might need this insurance include:
Your hunting equipment is damaged while during normal business operations
A thief breaks into your hunting club and steals some hunting equipment
Some companies have add-ons for leased or rented items, meaning you can get coverage for those items in addition to your standard equipment for your hunting club or land lease business.
Commercial auto insurance can be another policy to consider if you need liability and accident protection for your business vehicles.
Tools and equipment insurance has a $2,500-$5,000 coverage limit for each item covered.
Commercial auto insurance is a business insurance that protects any business vehicles that you use in your work services or operations. It is typically broken down into different types of coverage and is used in situations like:
Your work truck breaks down while performing maintenance on the hunting grounds
One of your work vehicles gets into an accident while driving to a job site
Some standard components of commercial auto insurance are listed below:
Uninsured/underinsured motorists–If you get into an accident with a motorist, but their insurance cannot cover the costs for which they are at fault; this policy provides extra coverage
Rental coverage–If you need to rent a temporary vehicle after work because your vehicle cannot be used for business. This policy reimburses the costs of having to rent a new vehicle temporarily
Roadside assistance–Covers the costs to tow or fix a vehicle when it is stuck on the side of the road
Comprehensive–Covers most forms of physical damage except for road collisions. This includes things like weather damage, vandalism, and theft
Collision–Covers the costs of your vehicle getting into a collision with another vehicle and what you need to repair or replace it
Liability coverage–This policy covers the cost of third-party medical expenses if your commercial auto causes an accident
Workers’ compensation insurance is an insurance policy that employers pay for to give their employees benefits for when they get injured or sick on the job. Some situations to use this coverage include:
One of your hunting lodge employees gets injured climbing a tree stand
Your employee develops a health condition from maintaining your lease property
If you have full-time employees, you will be required by law to purchase workers’ compensation insurance.
Hunting trip insurance is an insurance policy that covers any potential risks you may face on your travels. It acts in a similar way to a travel insurance policy but is focused on the needs of a hunter. Some events that this policy will come in handy include:
You and your hunting group travel to hunt big game in Africa. Luggage got lost
Your hunting club plans a trip to go deep-sea fishing off the Gulf Coast of the United States. Someone gets injured during the travel and needs hospitalization
A travel assistance add-on might be essential to ensuring a successful hunting trip for you and your party. This allows you to get in touch with experts who can answer questions and help you get to where you need to go.
|Cost per Month||Cost per Year||Deductible|
|General liability insurance||$103||$1,236||$0-$500|
|Commercial property insurance||$110||$1,320||$1,000-$2,000|
|Business owner's policy||$113||$1,356||$1,500|
|Tools and equipment insurance||$108||$1,296||$500-$1,000|
|Workers compensation insurance||$117||$1,404||$2,500-$5,000|
|Hunting trip insurance||$112||$1,344||$500-$1,000|
The average hunting lease insurance cost is $103 per month or $1,236 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, revenues, location, and number of employees. You can reduce hunting insurance cost by:
Having high deductibles
Bundling policies in a BOP
Paying premiums for the whole year
Here’s a table showing a further cost of the hunting liability insurance cost based on how much the best companies charge for their $1 million general liability insurance:
|Cost per Year||Cost per Month||Best for|
|NEXT||$56||$672||Best overall; Fastest general liability insurance for hunting clubs and leases|
|CoverWallet||$69||$828||Comparing hunting insurance quotes online|
|Hiscox||$70||$840||mall hunting clubs or land leaseholders|
|The Hartford||$76||$912||Hunting business insurance claims experience|
|Tivly||$81||$972||Comparing hunting insurance quotes over the phone|
|Thimble||$83||$996||On-demand coverage for hunting clubs and land leases|
|National Deer Association||$90||$1,080||Broad coverage for hunting clubs and land leases|
You can find the cheapest hunting lease insurance by comparing quotes. Click the “Get Quotes” button on this page to start.
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When looking for the best hunting insurance you will want to consider specific factors like how much coverage you need, the size of your business, and the options available in your area. See the reviews below to find out which company is right for you. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
Issues an online proof of insurance instantly
Fastest general liability insurance for hunting leases and clubs
Great customer service and reputation
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT has a good selection of insurance options for hunters, like general liability, business owner’s policy, commercial auto, and liquor liability. They were founded in 2016 but have quickly grown to serve over 420,000 customers every year. They maintain an A- rating from AM Best and a B+ from the Better Business Bureau. It is primarily focused on a web and ai-based insurance solutions company that reached a premium revenue of $650 million in 2021.
Best for: Best overall; Fastest general liability insurance for hunting clubs and leases
Average cost: $56 per month
Our rating: 10/10
File your claim online
200 years experience
Renowned company for workers compensation insurance
Higher commercial auto rates
The Hartford is a well-established insurer that prides itself on serving small businesses. They have over one million small business customers and provide policies that hunting clubs and land lease customers need, like general liability and commercial property. Their claims process is highly rated, with 4.8 out of 5 stars from their customer reviews. The Hartford has an A+ rating from AM Best and an A+ BBB rating. This company is also highly rated by Fitch, who gave them an A+ rating for financial strength.
Best for: Hunting business insurance claims experience
Average cost: $76 per month
Our rating: 10/10
Great carrier options
Lots of professional expertise
Compare quotes online
HNOA coverage automatically included in general liability insurance
Not an insurance company but an insurance broker
CoverWallet offers a digital marketplace to compare different insurance options to suit your needs. They have a land lease and hunting club policy components like business owner’s policy, commercial property, worker’s compensation, and general liability. They allow you to choose from top carriers for a policy tailored to your business. CoverWallet has an A+ rating from the BBB.
Best for: Comparing hunting insurance quotes online
Average cost: $69 per month
Our rating: 10/10
Compare quotes over the phone
Call to start a quote
Tivly has one of the best partner selections with over available partners. They cover events for hunting clubs and land leaseholders like property damage, bodily injury, and theft. The company is solution-oriented, meaning they will identify problems and coverage areas to get you the best policy. Tivly has an A rating with the BBB and over 20 years of experience. Call now to compare quotes over the phone.
Best for: Comparing hunting insurance quotes over the phone
Average cost: $81 per month
Our rating: 10/10
Quotes and policy process is fast
Helpful resources for first-time buyers
Sells a short-term general liability policy
You can’t reach customer service by calling
Thimble is your best bet if you want to get your insurance certificate and policy up and running quickly. They offer critical hunting insurance components like general liability, business owner’s policy, commercial property, and worker’s compensation. With Thimble, you get access to an exclusive app that gets you started right away. They have an A rating from AM Best for financial stability and an A+ from the BBB.
Best for: On-demand coverage for hunting clubs and land leases
Average cost: $83 per month
Our rating: 10/10
Get policy refunds in 14-days
Agents work with you for a truly customized and unique policy
Lacks the same breadth of policies as its competitors
Hiscox is an excellent choice for hunting clubs and land leaseholders because of how customized it is. You will get a unique policy that is tailored to your business and has the crucial components that you need. They will even customize standard policies further based on your individual situation. Hiscox has an A rating from AM Best and over 100 years of insurance experience.
Best for: Small hunting clubs or land leaseholders
Average cost: $70 per month
Our rating: 10/10
Hunting lease liability protection
Guest liability coverage
A charitable organization
Doesn't offer all of the insurance policies you need
The National Deer Association offers hunting liability insurance that gives free membership into the National Deer Association and provides protection for the policyholder and any guests brought onto hunting land. They offer a $100,000 fire legal liability and a $1 million per occurrence general liability coverage. They are also a charity, receiving a 4-star rating from Charity Navigator.
Best for: Broad coverage for hunting clubs and land leases
Average cost: $90 per month
Our rating: 8/10
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!