Here in Coweta, Fayette and the surrounding areas so many of us are avid hunters. Many people don’t realize that there are ways to minimize your exposure to being financially harmed in the event of a hunting accident. Beyond learning gun safety techniques and abiding by all hunting rules and regulations, the following are some tips to consider to reduce the chances of a hunting-related accident or lawsuit and how to protect yourself if one occurs.
Always ask permission of the landowner for access to his or her land well in advance of the season.
Ask for an aerial map and mark your blinds or tree stands, if any, on the map for the landowner.
Make sure the landowner has liability insurance. Some hunting land liability insurance companies offer coverage for $1 million in general liability coverage per occurrence with a $2 million aggregate.
Make sure you have high liability limits on your homeowners policy, coupled with a personal umbrella policy.
Review your hunting leases. In most hunting lease arrangements, the landowner will transfer as much risk as possible to the hunter. You should try to avoid signing hunting leases containing broad hold harmless clauses that attempt to indemnify the landowner for liability even in cases in which the owner is solely negligent. Instead, make sure the lease either does not have a hold harmless clause or limits the hold harmless clause in which the hunter is responsible for only his or her own negligence. Does this sound like Greek to you? If so, give us a call and we can talk through it.
Abide by any insurance requirements within the hunting lease. Note that sometimes this issue is negotiable. Call us if you aren’t sure if your insurance policy includes the right coverage.
Consider pursuing a daily hunting lease or short-term hunting lease if you do not hunt on a regular basis. These tend to be less formal documents without as many of the risk transfer provisions found in the more common, long-term hunting leases.
Look into joining a hunting club, which typically carries a hunting lease liability insurance policy. These policies often insure the hunting club members and the landowner.
Your homeowners policy does not provide coverage if you lease your land to others. If you are leasing out land call your insurance agent to discuss coverage options.
Always be aware of where other hunters may be, and try not to walk through their areas.
Make sure any guests with you are highly knowledgeable about safe hunting techniques
The details of this article were sourced from the International Risk Management Institute, Inc.
Copyright 2018 International Risk Management Institute, Inc.
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