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Any insurance pros out there?

kbetts

Well-Known Member
SH Member
Joined
Oct 13, 2015
Messages
1,813
Location
Delaware
Got a call today regarding a farm I’ve hunted my whole life. I was told the policy is “changing” and doesn’t cover hunting as an activity on the farm for anyone but the “owner” or immediate family. The executor of the property (probably falls under “owner”) called me to tell me he was looking at another carrier. Sounds screwy to me.

I know hunting insurance can be purchased individually. Am I getting a song and dance or is this a legit thing? I have a distinct feeling he’s trying to end the tenure as the original owner, his uncle, has been gone a few years now.
 
I inquired about this last season as I picked up a small lease here in VA. My insurance agent told me as long as I was not farming or there was no building on the property, my home owners insurance would cover me on the lease. I essentially was taking ownership of the property during my lease time. Now that is for Virginia though
 
Wisconsin also waived liability to owners allowing hunting. I believe this applies to leases as well up to $2500 a year. I would think most states would have a similar law.

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Got a call today regarding a farm I’ve hunted my whole life. I was told the policy is “changing” and doesn’t cover hunting as an activity on the farm for anyone but the “owner” or immediate family. The executor of the property (probably falls under “owner”) called me to tell me he was looking at another carrier. Sounds screwy to me.

I know hunting insurance can be purchased individually. Am I getting a song and dance or is this a legit thing? I have a distinct feeling he’s trying to end the tenure as the original owner, his uncle, has been gone a few years now.
There is a thing called event insurance. I would inquire if that would possibly be plausible to cover you while hunting. Although you might have to purchase it for each weekend you hunt??? Would he be willing to allow you to hunt the land still if you self insured it? Insurance industry in general is kind of a scam so he might be being honest with you and it’s the insurance company that’s the problem, or he might just be using it as an excuse for you to not hunt there?
 
Thanks guys. I brought up the waiver and asked direct, educated questions. I'll see where it goes.

I've never paid to hunt there. The old man was like a grandfather. For years I was the only one that would visit/help around the farm. He had no sons. He left 99% to grandkids and 1% to his brother/nephew as executers so it would not be sold. After his death, his brother said me and my family are always welcome. It is in farm pres. Pretty sure it's just a case of the state senator nephew wanting me/us out, but I'm not going down like that.
 
Michigan also has a "hold harmless" law protecting landowners from suits arising from a hunter given permission to hunt on their property. If a fee is charged, the landowner loses that protection and needs to purchase a commercial insurance policy to protect themselves.
 
I own an insurance agency.I can't speak for other states but I've never heard of hunting being an excluded activity from the landowners liability.In Pa if a guest hunter injures another person or causes property damage,the hunter's homeowner's liability will cover the hunter.
 
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