When to Consider Insurance for Your Rod & Gun Club

Finding the right insurance agency is very important. You need to protect your hunting and fishing equipment from theft and damage. If you look on the internet, there are many insurance agencies with a variety of packages.

These insurance policies cover employment practices liability, liquor liability, directors and officer’s liability, professional firearms instruction liability, employee benefits, owned and non-owned autos, general liability and property.

With all this in mind, the best time to take out insurance is as soon as possible. Preferably, before you open your shooting range business or just going hunting for fun. Email or phone around some of the well-known insurance companies, as many offer free quotes and consultation specific to your needs.

Do not get caught out by having no insurance. If you or a guest has an accident on your property, especially if injury or serious damage occurs, you will be in a lot of trouble. Lawsuits can cost you your business.

Insurance will also cover injury on your property during hunting season. If your property is part of the prime hunting season, your liability insurance should have a high base amount. Extra cover such as general liability, shooting accidents and ATV accidents. This is very important for property owners who allow people to hunt there. If you do not want insurance or hunters on your land, place markers and plenty of no trespassing signs.

For your business and club, the best insurance is commercial general liability. This will protect your club and all its assets. You need commercial liability coverage, because you are providing a service to the public.

Club houses offer a range of activities to its members and to the public. These include fishing, hunting, shooting, archery, trap and skeet, pistol and rifle. Make sure your policy covers watercraft, tree stands and ATVs. You have a large responsibility for your members and guests, so you need to make sure they are safe at all times. If things are not checked or used correctly accidents and injury can happen.

Therefore, if you own a rod and gun club, and do not have insurance, it is recommended your start searching today. Try to get a personalized one that will suit your member’s needs as well as your own. We all hope nothing goes wrong, but in the event something does, you are covered legally.