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Hunting Liability Insurance for Lease & Clubs: Cost & Quotes From $56/mo

Table of contents
1. General Liability Insurance for Hunting Clubs and Land Lease1.1. What Are the Coverage Limits for General Liability Insurance?1.2. What Add-Ons Should My Hunting Club or Land Lease Consider for General Liability Insurance?1.3. Is General Liability Insurance Important?1.4. I s Product Liability Insurance Included in General Liability Policy? 2. Public Liability Insurance for Hunting Clubs and Land Lease2.1. What Are the Coverage Limits for Public Liability Insurance for Hunting Clubs and Land Lease?3. Commercial Property Insurance for Hunting Clubs and Land Lease3.1. Which Commercial Property Add-Ons Should I Select?3.2. What Are the Coverage Limits for Commercial Property Insurance?4. Business Owner’s Policy for Hunting Clubs and Land Lease4.1. What Add-Ons Do I Need From a Business Owner’s Policy?4.2. What Are the Coverage Limits for Business Owner’s Policy?5. Tools and Equipment Insurance for Hunting Clubs and Land Lease5.1. What Add-Ons Do I Need for Tools and Equipment Insurance?5.2. What Are the Coverage Limits for Tools and Equipment Insurance?6. Commercial Auto Insurance for Hunting Clubs and Land Lease7. Workers’ Compensation Insurance for Hunting Clubs and Land Lease7.1. Is Workers Compensation Insurance Required?8. Hunting Trip Insurance8.1. What Add-Ons Should I Get With Hunting Trip Insurance?9. Hunting Clubs and Land Lease Insurance Cost10. Best Hunting Clubs and Land Lease Insurance Companies10.1. NEXT Hunting Club and Land Lease Insurance 10.1.1. Pros10.1.2. Cons10.2. The Hartford Hunting Club and Land Lease Insurance 10.2.1. Pros10.2.2. Cons10.3. CoverWallet Hunting Club and Land Lease Insurance 10.3.1. Pros10.3.2. Cons10.4. Tivly Hunting Club and Land Lease Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Hunting Club and Land Lease Insurance 10.5.1. Pros10.5.2. Cons10.6. Hiscox Hunting Club and Land Lease Insurance 10.6.1. Pros10.6.2. Cons10.7. National Deer Association Insurance 10.7.1. Pros10.7.2. Cons

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. 

General Liability Insurance for Hunting Clubs and Land Lease


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan 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


What Are the Coverage Limits for General Liability Insurance?

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.


What Add-Ons Should My Hunting Club or Land Lease Consider for General Liability Insurance?

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.


Is General Liability Insurance Important?

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.


Is Product Liability Insurance Included in General Liability Policy?

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 for Hunting Clubs and Land Lease

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


What Are the Coverage Limits for Public Liability Insurance for Hunting Clubs and Land Lease?

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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Commercial Property Insurance for Hunting Clubs and Land Lease


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
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 signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivableExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keysExcluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


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


Which Commercial Property Add-Ons Should I Select?

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.


What Are the Coverage Limits for Commercial Property Insurance?

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.


Show thumbnail preview	 A hawk, known for its excellent hunting skills, is perched on top of a wooden post. A hawk, known for its excellent hunting skills, is perched on top of a wooden post.


Business Owner’s Policy for Hunting Clubs and Land Lease


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


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


What Add-Ons Do I Need From a Business Owner’s Policy?

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.


What Are the Coverage Limits for Business Owner’s Policy?

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.


Tools and Equipment Insurance for Hunting Clubs and Land Lease


NEXTThimbleHiscoxThe Hartford
Aggregate limit$3,000/$10,000$2,500/$5,000$15,000/$25,000$5,000-$10,000
Covers hired and borrowed equipment?$3,000/$10,000$2,500/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
Deductible$500$500$0$0


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


What Add-Ons Do I Need for Tools and Equipment Insurance?

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.


What Are the Coverage Limits for Tools and Equipment Insurance?

Tools and equipment insurance has a $2,500-$5,000 coverage limit for each item covered.


Commercial Auto Insurance for Hunting Clubs and Land Lease

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 for Hunting Clubs and Land Lease

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


Is Workers Compensation Insurance Required?

If you have full-time employees, you will be required by law to purchase workers’ compensation insurance.


Hunting Trip 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


What Add-Ons Should I Get With Hunting Trip Insurance?

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.

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Hunting Clubs and Land Lease Insurance Cost


Cost per MonthCost per YearDeductible
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 YearCost per MonthBest for
NEXT$56$672Best overall; Fastest general liability insurance for hunting clubs and leases
CoverWallet$69$828Comparing hunting insurance quotes online
Hiscox$70$840mall hunting clubs or land leaseholders
The Hartford$76$912Hunting business insurance claims experience
Tivly$81$972Comparing hunting insurance quotes over the phone
Thimble$83$996On-demand coverage for hunting clubs and land leases
National Deer Association
$90$1,080Broad 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. 

Compare Cheap Hunting Club and Land Lease Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Hunting Clubs and Land Lease Insurance Companies

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. 


NEXT Hunting Club and Land Lease Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for hunting leases and clubs

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • 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


The Hartford Hunting Club and Land Lease Insurance

Pros

  • File your claim online

  • 200 years experience

  • Renowned company for workers compensation insurance

Cons

  • 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 


CoverWallet Hunting Club and Land Lease Insurance

Pros

  • Great carrier options

  • Lots of professional expertise

  • Compare quotes online 

  • HNOA coverage automatically included in general liability insurance

Cons

  • 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 


Tivly Hunting Club and Land Lease Insurance

Pros

  • 200+ partners

  • Solution-centric approach

  • Compare quotes over the phone

Cons

  • 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 


Thimble Hunting Club and Land Lease Insurance

Pros

  • Quotes and policy process is fast

  • Helpful resources for first-time buyers

  • On-demand coverage

  • Sells a short-term general liability policy

Cons

  • 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 


Hiscox Hunting Club and Land Lease Insurance

Pros

  • Get policy refunds in 14-days

  • Agents work with you for a truly customized and unique policy

Cons

  • 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 


National Deer Association Insurance

Pros

  • Hunting lease liability protection

  • Guest liability coverage

  • A charitable organization

Cons

  • 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


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