A few of the professional hunting lease companies in business today include a hunting lease insurance policy with their services. For a landowner, this feature is priceless. This type of policy addresses the liability associated with both the landowner AND the hunter(s). In other words, everyone is protected from each other in the event of damages or personal injury caused to the other. In most cases, the policy premium is paid for by the hunt group and coverage begins when the property is listed.
Any hunting lease insurance policy must list the landowner as an “additional insured” to provide the maximum benefit afforded by the policy.
So, how would a hunting lease insurance policy affect our two scenarios above? In Scenario 1, it is likely the shooting of the neighbor’s dog was accidental. If so, a hunting lease insurance policy would defend the landowner in the lawsuit filed by the neighbor. A liability insurance policy has the duty to defend the landowner against a lawsuit originating from a covered loss. This defense includes attorney fees and court costs up to the limits of the policy. If the shooting was intentional and with malice, the incident would not be covered.
In Scenario 2, coverage through a policy would provide the hunters family with an immediate benefit to help with short term medical costs. This coverage is referred to as medical pay and has limits specific to the individual policy. Once it is determined that the hunter hung his own stand in a dead tree AND that tree had been pointed out in person and in the lease agreement by the landowner, it is likely there would be no further benefits. Remember, hunting lease insurance is liability insurance. It covers all parties against damages they are found to be legally liable for. Sadly, the hunter in Scenario 2 has only himself to blame.