Ah, fall. My favorite time of year! For many people, this season is marked by pumpkins and costumes, but for a group of people there is another reason ... hunting season begins in many states!
I grew up in a small town on a small farm where my father owned about 20 acres of woods. I remember people, many of which we did not know, to come home wearing camo and orange jackets to ask permission to hunt in the woods. To their disappointment, my father would always say no. I think his concern was more for the safety of her children, but in the contested today's society, liability risks are a major concern for property owners when considering whether to grant access to hunters hunters their property.
You might have a liability exposure to an outside party is injured on your property because of a hunting incident. If you do not want a hunting activity on your land, make your presence known on the property. For example, hunters often will scout potential field before the hunting season, and they often leave the sampling band and markers so they can remember where they were scouting. If you remove the signs, they should notice that you are careful and do not want them in your land. Also you need to post many "No Trespassing" signs on your property. In addition, these signs should be prominently displayed on all road entrances and along public roads that your property boundaries.
Some landowners lease their land for hunting. The main advantage of this approach (and more income from the arrangement) is that you can control who hunt and what rules they must comply. However, this could also cause exposure to liability because hunters on your land are now guests rather than intruders. The duty of care that you need a guest is generally higher than that due to an intruder. This approach can also cancel coverage under the policy and umbrella of the policy of your own since you earn money on this earth, creating a trade show who are often excluded under personal policies. So if you decide to rent your property to a private party, you must ask the hunter sign a lease that includes a hold harmless clause. You should get a copy of the policy of its owner and be listed as an additional insured under the policy. In addition, you must purchase a general liability policy to cover the exposure of your business since many homeowners, farmowners and personal umbrella policies exclude this exhibition.
Another approach could be to sign a lease agreement with a hunting club and to check that the club has an insurance program hunting lease, keeping you covered. In addition, you should get a copy of the policy and be listed as an additional insured under the policy. The hunting club and hunters must have a minimum of $ 1 million in liability limits.
Regardless of your interest in hunting, if you are a landowner with the opportunity to have hunters on your property, make sure you discuss your exposure with your trusted insurance advisor to learn best way to protect you.
Adapted review Hunting Exposures on your Wasteland (Revisited). Risk Management Institute International. 11 October 2013.
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