Outdoor Insurance Articles
Additional Coverage Options for Texas Hunting Clubs
As the owner of a hunt club, you are probably already aware of your need for insurance. You may even have a general liability policy in place. But even if you have a basic insurance policy, you may want to consider additional coverage to protect you from the range of liabilities that you face.
Risk factors include whether or not you own land, whether you are a commercial or non-profit, and the type of activities that your hunt club participates in. It’s important to discuss your risks and liabilities with your insurance provider, to make sure you have enough coverage -in case of the unexpected.
Here are some coverage options to discuss with your insurance agent:
Directors and Officers Liability (D&O) –
Directors and officers liability is valuable coverage that protects a hunt club’s management from lawsuits alleging negligent or wrongful acts.
Employee Dishonesty –
Protect your hunt club from employee dishonesty. Coverage is available for loss of property, goods, or money, and other issues resulting from employees who commits fraud, robbery, or other criminal acts.
Workers Compensation –
Workers compensation provides valuable protection for hunt clubs with employees. In the event that your employee sustains a work-related illness or injury, workers compensation would compensate the employee for the medical bills and a portion of lost wages, preventing you from having to pay out-of-pocket for these expenses.
Commercial Auto –
Commercial auto collision coverage provides liability coverage for your company and employees who are operating the vehicles. Comprehensive coverage is also available to provide coverage for non-collision related vehicle damage or vandalism.
Most insurance policies are designed to cover all of the major aspects of your business in one policy. But occasionally, additional coverage is required. If you have any questions regarding your insurance policy and coverage options, be sure to talk with Texas Outdoor Insurance, your Houston-based hunt club insurance specialists today.