Hunting clubs offer numerous benefits to hunters across the state of Texas, providing hunting enthusiasts with access to prime hunting land, and offering additional membership benefits as well.
As a hunting club owner, you are probably already aware of the risks and liabilities that you face, and may even have a liability insurance policy –just in case. But while liability insurance is a good start, it's important to note that in some cases, a liability policy may not provide enough coverage for your needs.
Whether you are looking to expand your hunting club, or just starting a hunt club, it’s important to assess your liabilities, and ensure that you have enough coverage.
Read on to see three important questions that every hunt club owner should ask their insurance agents –and find out if you require additional insurance.
Is a Liability Policy Enough Coverage?
As a hunt club owner, one of the most basic coverage policies that you can obtain is liability insurance. Liability insurance offers liability to your hunt club and members, protecting them from liability in case of an accident, or property damage to a third party. While basic liability coverage is a good starting point, it’s important to discuss your risks and coverage needs with your insurer to determine if there are any additional risks that you should obtain coverage for. If you lease land or loan equipment out to hunters, for example, property insurance and equipment coverage are additional policies that you should have.
Does My Policy Include Coverage for My Property and Equipment?
Depending on which activities your hunt club members participate in, and whether you lend equipment such as boats, tree stands, or ATVs, you may require additional coverage. Additionally, if you lease land to hunt clubs, or hunters, it’s important to make sure you have property insurance, and adequate liability coverage to protect your investment in case something goes wrong.
Does My Hunt Club Need Additional Insurance if I Hire Employees?
If your hunt club employs people, you may want to consider workers compensation, which offers coverage in the event that an employee is injured on the job. Depending on the size of your infrastructure, you may also want to consider Employment Practices Liability Insurance (EPLI) which provides valuable liability protection from employment-related lawsuits. Be sure to ask your insurance agent about coverage options that provide employment liability protection for your hunt club.
For more information on Texas hunting club insurance, contact Houston-based Texas Outdoor Insurance today. At Texas Outdoor Insurance, our experienced and professional hunting club insurance specialists will be happy to answer any questions you have, and can help you to find a Texas hunting club insurance policy that’s designed around your specific coverage needs.