America’s guides and outfitters offer a wide array of experiences and activities. From guiding elk hunters on horseback in the Rockies, to picking up waterfowl hunters at a local Maryland motel for a day of shooting sea ducks or even hosting whitetail hunters in their Midwestern home at the peak of the rut, guides and outfitters must be part hunter, part host and part business professional. Of course, large scale operations usually have a full staff of guides, sales people, marketing teams and business advisors to help make sure their company runs smoothly and makes a nice profit.
On the other hand, a much larger percentage of outfitters are making do with a handful of friends and family helping when and where they can.
What if you don’t have a professional staff to assist you in the operational side of your business?
Considering time spent scouting, hanging stands, building blinds, improving habitat, marketing your company, selling trips and trying to make family time, is it surprising that important business decisions are sometimes made without all the needed information? For example, what hunting liability insurance coverage do I need, what does it all mean, when do I need it and where can I purchase it easily and affordably? We are here to guide you to those answers and provide you (or should we say ‘outfit you’) with a few good options and all the answers you need to make the right choice for your business.
What is Guides and Outfitters liability insurance and why do I need it?
Your business is quite literally based on you assuming responsibility for your guests and their safety. Hunting from tree stands, wading in a stream to fly fish or even feeding them meals your cook has specially prepared for them are all examples of why you need to protect your business assets against claims of negligence. Hunting and fishing produce some inherent dangers, although much less than some would have you think. However, when a guest pays a fee for the service you provide, you then become responsible for their safety and well-being. Proper liability coverage for your business will defend you against claims and even law suits against your business for injuries or damage to personal property resulting from your unintentional negligence.
Not only is having proper liability coverage the right business decision for you and your guests, it is required of you to have this type of insurance in many states. The requirements placed on guides and outfitters vary from state to state. The first step when preparing your business should always be to do your research and discover what the requirements are for the state(s) you will be guiding/outfitting.
Custom Policy vs Master Policy
As long as there has been insurance there has been insurance agents. Professional agents fill a needed role for business owners and can be an important part of any company, especially large-scale operations. A custom written policy may be your best option if you are insuring large amounts of equipment, livestock (horses), a lodge and other items and personnel. An agent will work with you to write different coverages based on the value of your equipment and/or the costs of replacement.
In addition, your insurance package should include a liability policy to protect you from the items we mentioned above. This type of policy is written specifically for your business needs and can start on any date you choose. The drawback to a custom policy is that the agent who writes it needs to build in enough premium to pay himself, his agency and the insurance carrier. Obviously, this will raise the cost of your insurance.
The master policy has gained tremendous popularity in recent years as business owners recognized their risks and needs closely matched those of other businesses and/or groups. A master policy is simply a policy that has predetermined coverages, limits and usually a specific start and end date. What makes a master policy attractive is the comparatively low cost (the savings can be dramatic!) to a custom written policy.
Here is a good analogy for comparing custom and master policies. Consider the two as suits you need for an upcoming event. You can buy a custom-tailored suit: the tailor will take all of your measurements, talk to you about which fabric you like and make your suit specifically to your stated needs. It will take him a few weeks to complete and you can bet it will cost considerably more. The alternative is to buy a suit from a nice department store that is already made. That you can try on and that looks and feels good. You can walk out of the store with it the same day and save a significant amount of money. Both do the job. Which is best for you and your business? That’s up to you.
What to Know about Master Policies
There are two things to remember when choosing a master policy. First, the date your coverage begins is already determined. Even if the policy started on July 1, you can still purchase your policy and have full coverage moving forward from the day following purchase. So, if you have guests that are traveling to hunt with you in October 1st, you can purchase your liability coverage on a master policy once you are certain they are coming and have paid their deposit. You will have coverage on this policy until the following October 1st, at which time you can renew or wait again until you are certain you will need coverage.
Another important factor to consider with a master policy is that you will receive full coverage. As stated on the declarations page and will not share those limits with any other policy holder. If the coverage limits set by the policy are agreeable and address your outfitting business needs, you will receive the very same coverage benefits afforded to you in a custom written policy but at a much better rate.
What we Offer
Currently, the American Hunting Lease Association (Guides and Outfitters Full Liability Coverage) offers guides and outfitters full liability insurance coverage online or by phone. The AHLA will even email your certificate of insurance to you within minutes of your purchase.
Add as many landowners or others as additional insureds to your policy as needed. Unless you are fortunate enough to own the land you are guiding hunters or fishermen on. It is likely you have others that will require you to purchase hunting guide insurance. The ability to add others to your policy as an additional insured is key and cannot be understated.
Taking care of Guests
Adding an additional insured simply means that the person, group or even government entity you are adding also has the same coverage you have purchased. In the event one of your guests becomes injured while in your care, but on their land. The policy you have purchased will also defend that landowner in the event of a lawsuit. Frankly, most landowners require this policy specifically for this reason and it makes sense. The most common arrangement guides and outfitters use to acquire hunting rights on private land is to lease access directly from the landowner. Listing each landowner as an additional insured on a liability policy will protect their assets. As well as greatly enhance your chances of accessing their land.
If you guide or outfit on public ground, the state or federal governments will require you to add them as additional insureds. Then prove it by supplying them with their own certificate of insurance listing them as an additional insured. For example, the Bureau of Land Management, US Fish and Wildlife Service, State Wildlife Management Areas and all State Depts of Natural Resources may require a certificate of insurance. Make sure your policy meets their specific requirements. Again, the AHLA’s program is compliant with all state and federal agencies.
The coverages, what do they actually mean?
Remember, we are focused on liability coverage for your hunting guide business. Liability insurance is designed to protect you and your landowners. It is not medical insurance for you, your guides or even your guests. Simply stated, liability insurance never pays you. If you are found to be accidentally negligent and that negligence results in bodily injury, property damage or personal injury, then this coverage is activated. Below is a list of basic coverages and limits. The limits listed below are widely considered to be the industry standard for hunting or fishing guides insurance.
Coverage – Limits
Bodily Injury or Property Damage: $1,000,000 per occurrence/$2,000,000 aggregate
Personal injury or advertising injury: $1,000,000(damage done to someone’s reputation or business due to false/misleading claims. Social media is a good example. Slander.)
Products/Operations completed: $1,000,000 (injury caused by work done by guide or outfitters. A good example is if you prepared a meal that resulted in food poisoning.)
Damage to Rented Premises: $100,000 (if your negligence was responsible for a fire, this coverage may pay for your legal responsibilities for the structure only. It would not cover contents.)
Medical Pay: $5000 (This is coverage to address immediate medical costs to treat an injury prior to determining negligence. It is a good will gesture and is not paid back if a claim is denied.)
Medical pay benefits are an important coverage to maintain a good relationship with your guests. Insist that your policy offers this coverage.
The Purchase Process. Does it have to be difficult?
Truthfully speaking, there just aren’t a lot of options for purchasing your insurance. The insurance industry has a tried and true method for marketing and selling insurance and it usually involves you operating on their schedule and at their pace. But it doesn’t have to be that way.
Typically, you will start your search for guides and outfitters insurance with a Google search to find an agency. Or organization that provides the type of coverage you are looking for. Once you find a few agencies that provide custom written policies, you can call them direct and hope to speak to an agent or you can submit an online request for a quote and hope that someone will call you back. . . at their convenience. If the coverages and premiums are agreeable, you will likely be sent an application to fill out and return with your payment. Once payment is received, the insurance agency will call or email you back that your coverage is now in place. This may take up to 3 weeks to complete.
Changes in the Industry
Thankfully this has begun to change as technology and consumer trust in internet purchasing grows. Organizations like the American Hunting Lease Association (AHLA Guides and Outfitters Master Program) have recognized the needs of guides and outfitters and provided a process that respects their time. Purchasing your insurance online, through a secure website allows you to get an instant quote, complete applications and pay for your coverage at your convenience. Coverage begins the following day and your certificate of insurance will be emailed to you and your additional insureds as well. The real win for guides and outfitters that purchase liability insurance this way, is that they are able make sure clients or guests are on their way and can have full coverage in place before they arrive.
If you are a professional hunting or fishing guide shopping for liability insurance. There is a good chance you are doing so after putting in a full day already. Why wait for an insurance agency to take care of you during their business hours, when you can buy it yourself when, where and how it works best for you?
The one thing we know for sure is that all guides and outfitters are not created equal. Everyone has seen the large outfitters with beautiful lodges and large operations on outdoor television. However, the overwhelming majority of professional guides and outfitters in this country are smaller operations. Often with limited resources and a different set of needs. Every business should do their best to research and determine the which insurance program is best for them.
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