For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
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.Â
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.Â
| 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 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $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.Â
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.Â
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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 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| 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.
