A Few Examples
Now, each state will have its own landowner liability laws that outline what a hunter could and could not sue for; however, this doesn’t help the landowner prevent a hunter’s lawyer from exploiting loopholes. You’ll want coverage if nothing else than to avoid a court date.
Besides the obvious physical injury to a hunter, property and equipment damage are also very possible. AHLA policies cover damage done to your property by another party, something typical homeowner’s or landowner’s insurance doesn’t. AHLA will also cover other incidents that a lot of landowners might not think of, like damage to vehicles, fire, and adjacent land damages.
Accidents happen, and that’s a fact of life. Accidental shootings often happen due to negligence either to another person in the hunting party, a non-hunter on the same property, or someone on an adjacent piece of land.
In the case of a hunter accidentally shooting another hunter, just those two parties are usually involved. You may be held liable if the hunter shoots someone, not in the hunting party or a pedestrian. Some arguments a plaintiff might have against a landowner for this kind of accident could include issues with signs or clear property line-markings.
Some properties are so expansive that a hunter or a hunting party might choose to overnight and camp or clean small game and cook it while it’s fresh in the field. If a fire isn’t put out properly and fully extinguished, those small smoldering embers can re-ignite or travel.
It only takes one hot ember or coal, and even a small fire can cause irrevocable damage to your structures as a landowner, adjacent land, or even spark a wildfire. An AHLA policy also protects buildings on your property from fire damage.
Depending on the size of your land, you may be allowing hunters to use ATVs on your property for entry and exit or just for game retrieval. Typical homeowner’s insurance probably will not cover damage done to an ATV, side by side, or other vehicles.
AHLA specifically covers claims placed against a landowner in this instance. While vehicle accidents are unfortunate, what’s even more unfortunate is if a hunter that may or may not have had permission to be using this vehicle on your land, damages it and decides to place blame on you.
Damage to Adjacent Land
Adjoining landowners have mutual and reciprocal rights and obligations. Liability may vary from state to state under the guidelines of “reasonable” limits. These limits are usually broad with their own definitions, one of which being that a landowner will be able to use their land how they would like, as long as those activities do not cause damage to the neighbor’s property.
If a hunter on your property shoots and either misses their target or doesn’t calculate your property borders, and that bullet goes through a piece of equipment on your neighbor’s land, you could be held responsible. Again, AHLA can help with that and makes the process super easy.