Hunting Liability Insurance
Specialty insurance solutions tailored to your unique needs.
Get StartedEvery hunt comes with great risk. Make sure you or your business has hunting liability insurance that actually covers you.
Whether you’re a hunter who is required to carry coverage by a landowner, a hunting guide, or a hunting club, unexpected incidents can lead to significant financial consequences. With tailored insurance, you can enjoy your hunts with peace of mind, knowing you have a reliable safety net to mitigate risks and safeguard your interests. Don’t take chances; prioritize your protection and hunt worry-free.
The Importance of Hunters Liability Insurance
When it comes to the great outdoors and the thrill of the hunt, there’s nothing quite like it. The crisp air, the rustling leaves, the adrenaline rush as you line up your shot – it’s a world of adventure and challenge that calls to hunters of all kinds. But amid the excitement, it’s crucial to remember that safety and preparedness are paramount.
Our hunting liability insurance solutions are designed specifically for hunters like you who understand the importance of being well-prepared for every aspect of the hunt. Accidents during hunting outings can result in significant financial liabilities, making this insurance an indispensable asset. For hunters, it ensures financial security in the event of injuries or property damage, allowing them to embrace their passion with confidence.
Your hunt is unique, and so are your insurance needs. At XINSURANCE, we provide customized insurance solutions to fit your specific circumstances so you can lock and load with confidence.
Who We Can Help With Hunting Insurance
- Hunters (guns, bows, etc.)
- Landowners
- Hunting Clubs
- Guides & Outfitters
- Shooting Ranges
- Event Organizers
- And More!
Coverages
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Firearms Liability*
Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.
*Available in most states
Equipment Coverage
Coverage for equipment, including rentals, used while hunting in case of malfunctions, theft, or damage.
TRU Umbrella
Additional coverage to fill the gaps and exclusions in your existing policy. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on hunting grounds. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by hunting dogs. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the hunting property due to negligence.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building, hunting grounds, or its equipment) for private and public events. Learn more.
Weapons Coverage
Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.
Frequently Asked Questions About Hunting Insurance
Do you cover weapons besides guns?
Yes, we can provide insurance solutions for hunters who use guns and other weapons such as bows and arrows, crossbows, slingshots, and more.
Does my homeowners policy cover me?
Probably not. Many hunters wrongly assume that they’re fully covered for liability on their homeowner’s policy. This isn’t usually the case, or the coverage is extremely limited. Therefore, you must ensure you have proper hunting liability coverage that can protect you in the event of an accident, incident, claim, or lawsuit.
How much does hunting insurance cost?
The actual price will depend on a variety of factors. These factors may include the type of hunting being pursued, the specific risks associated with that type of hunting, the geographical location, the experience level of the hunter(s), and more.
Once you fill out an application to request your quote, we can provide a quote based on your specific circumstances and needs.
What is Hunting Lease Liability Insurance?
Hunting lease liability insurance can cover property owners and managers as well as members and their guests. It provides protection for occurrences resulting from hunting-related activities or operations for which individuals or entities could be held legally liable.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
Learn More About Hunter Liability Insurance
What Coverage Do I Need for My Hunting Insurance Policy?
The type of insurance coverage needed for hunting will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy.
Why Should I Have Hunting Liability Insurance?
You need hunting liability insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. In some places, hunting liability insurance may be required. We often see hunters who are required to carry liability insurance by the landowner.
Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
Hunting Lawsuits Can Be Extremely Costly
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 in the U.S. and about 10% of these accidents result in death.
Situations Where Hunting Club Insurance Applies
Examples of scenarios where the appropriate liability insurance coverage should protect you include:
- A guest of one of your members accidentally shoots another guest during a hunting excursion.
- A member falls out of an improperly maintained treestand on your property and suffers a debilitating back injury.
- A member, while traveling at a high rate of speed on an ATV covered under the policy, accidentally strikes and kills another member. The plan will offer protection if the deceased member’s survivors decide to sue you.
- A third party trips over a piece of equipment that a member did not store properly and incurs an injury.
- A hunting dog belonging to one of the members bites a guest, resulting in substantial medical bills.
Related Blogs
- Big Game Hunting and The Essentials You’ll Need
- How to Prepare For Your Wolf Hunting Trip
- 10 Tips For Preparing A Boar Hunt
- Guide to Planning a Moose Hunting Trip
- Preparing For Your Elk Hunting Trip: 10 Tips
- Bear Hunting: How to Prepare For Your Trip
- How to Prepare For a Cougar Hunting Trip
- What You Need to Know Before Your Bison Hunting Trip
- Dangers of Tree Stands For Hunting
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
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At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
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XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
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The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
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Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
TRU Homeowners
There’s a wide range of reasons why your homeowners policy may not be able to offer you sufficient coverage. Fortunately, XINSURANCE can offer TRU Homeowners solutions to cover wind, floods, earthquakes, mudslides, wildfires, and more.
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TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
