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There are thousands of hunting license holders in the US. In some states, it is challenging to hunt effectively because of the amount of private land ownership.
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 various policies.
General liability is a hunting insurance policy that 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:
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.
| 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 |
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:
For your insurance, you will want to seek out a $2 million aggregate limit as a baseline.
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:
The 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 | |
| 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 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:
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.
| 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 |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
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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:
Tools and equipment insurance has a $2,500-$5,000 coverage limit for each item covered.
| NEXT | Thimble | Hiscox | The 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/$5,000 | 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 |
| Deductible | $500 | $500 | $0 | $0 |
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:
If you have full-time employees, you will be required by law to purchase workers’ compensation insurance.
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:
| 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 |
NEXT has a good selection of insurance options for hunters, like general liability, business owner’s policy, commercial auto, and liquor liability. They maintain an A- rating from AM Best and a B+ from the Better Business Bureau.
Average cost: $56 per month
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.
The Hartford has an A+ rating from AM Best and an A+ BBB rating.
Average cost: $76 per month
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They allow you to choose from top carriers for a policy tailored to your business. CoverWallet has an A+ rating from the BBB.
Average cost: $69 per month
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.
Average cost: $81 per month
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. They have an A rating from AM Best for financial stability and an A+ from the BBB.
Average cost: $83 per month
Hiscox offers 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.
Average cost: $70 per month
Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!
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