Reasons Why You Should Have Hunting Club Insurance

Posted by Amos Fred on May 9th, 2018

Hunting is a wonderful way to enjoy the great outdoors, and if you’re a landowner then selling hunting leases is a great way to provide for your community while also generating revenue from your land. However, due to the inherently risky nature of hunting, it is unwise for hunters, hunting clubs, and landowners to participate in this sport without first securing hunt insurance. No one wants to believe that an accident will happen to them or on their property, so you might feel reluctant to purchase insurance. Read on for four reasons why you should have hunting club insurance.

Probability of litigation

It’s common knowledge that the U.S. has an exceptionally litigious culture compared to other countries. Constant marketing from personal injury lawyers means that most Americans are aware of the possibility that they could sue in most situations where something goes wrong on someone else’s property. Statistics back up the stereotype of Americans being eager to sue: the annual cost of civil litigation to our economy is nearly 0 billion, 48% of civil court cases are won by the plaintiff, and 84% of those cases award monetary damages, as reported by HuntingMagazine.net. Whether you’re a hunter or a landowner, ignoring the likelihood of litigation in the event of an accident could cost you dearly. 

The risks of hunting

If you’re a hunting enthusiast, then it might be uncomfortable to dwell on the potential dangers of your favorite sport. However, sticking your head in the sand will do you no favors. Hunting accidents are not limited to the obvious tragedy of someone getting caught by a stray bullet, but according to Huntinginsurance.com, potential mishaps include: ATV crashes, falls from tree stands, injuries from sharp instruments, watercraft accidents, and brush fires. You want an insurance plan that can protect you in the face of hunting’s inherent risks.

Homeowner’s insurance is insufficient

If you’re a landowner, you might assume that your homeowner’s insurance should be enough to protect you. However, because you are inviting hunters onto your property and they are paying you for a hunting lease, most homeowners insurance plans will not cover incidents that happen due to hunting. It is best to purchase an insurance plan specific to hunting to account for the gaps in coverage left in homeowners insurance plans.

Insurance covers property damage

Did you know that hunt insurance protects you from more than just injuries? Whether through ignorance or because some hunters have no respect for the land, it’s unfortunately common for hunting to result in property damage. Hunting insurance can pay for the costs when this occurs.

Despite the risks inherent to hunting, many people would say that this sport is still worth it. Once you’ve protected yourself with a quality hunting club insurance plan, you can take advantage of hunting’s many benefits without the anxiety of a possible accident hanging over you. Whether you’re reading this from the perspective of a landowner or a hunter, look into hunting insurance today to give yourself greater peace of mind.