Hunting Liability Insurance

Many hunters wrongly assume that they’re entirely covered for liability on their homeowner’s policy. This isn’t usually the case or the coverage is extremely limited. Therefore, you need to ensure you have specialist hunting liability coverage that will protect you if someone files a lawsuit against you.

You may think that you don’t need hunting liability coverage since you are conscientious and handle guns with care. But can you afford not to cover that risk? The main types of 3rd-party injury or damage that happen during hunting incidents are:

• Shooting at a target but missing and hitting a person instead
• Mistaking a person for a wild animal and shooting them
• Shooting someone due to accidental discharge of a gun or other weapon
• Fired bullets hitting and damaging another person’s property

If someone suffers an injury, the cost of liability claims can be huge. For example, in Wisconsin, a bow hunter was in a tree stand and struck in the face by shotgun pellets from a hunter who believed the bow hunter to be a turkey. The matter was resolved for the sum of $150,000. Hunters should be licensed and know how to handle a firearm, however, accidents still occur. Approximately 1,000 hunting accidents occur each year and about 10% of these accidents result in death.

The best way to gain true peace of mind as a hunter is to take out hunting liability insurance. At XINSURANCE, we’re specialists in providing liability coverage solutions for high-risk activities. We have been doing so for over four decades. XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, and we are able to provide customized coverage solutions to each of our clients by using our unique “all-in-one” approach. We look at your operations and experience level to determine the type of coverage best for your needs.

We can also provide coverage solutions to those who have been refused hunting liability insurance in the past or have previously had claims refused.

Hunting insurance can provide coverage solutions for:

• 3rd-party bodily injury
• 3rd-party property damage
• All types of hunting activities
• Hunters who lease land, are part of a hunting club, or hunt alone or in another group
• And more