Hunting Clubs, Groups, Partnerships, etc.
Another question arises when a group of hunters form a “club” of other formal or informal association to purchase or lease land for hunting purposes, or to charge others a fee for hunting. This may be a legal entity totally separate from the individual members.
Your homeowners policy covers you and your family but it does not cover an entity or association of which you might be a member. It also doesn’t cover activities for which you charge a fee to others. Tell your agent if you belong to such a group, so the appropriate coverage can be recommended.
Take a look at the limit of liability on your homeowners policy. The typical limit may not be sufficient to cover a hunting accident or any accident involving serious bodily injury or death. An “umbrella” liability policy will provide higher limits. Ask your agent about umbrella liability and consider purchasing a sufficient limit to protect your assets and future earnings.
This article was prepared and made available to your agent by the Independent Insurance Agents of Texas, which is solely responsible for its content. Please read your insurance policy. If there is any conflict between the information in this article and the actual terms and conditions of your policy, the terms and conditions of your policy will apply. The Independent Insurance Agents of Texas is a non-profit association of more than 1,500 insurance agencies in Texas, dedicated to helping its members succeed, in part by providing technical resources that explain insurance policies sold to their customers.