Hunting Plantation and Preserves Insurance

Hunting club Liability insurance is considered third party insurance coverage. Third party liability insurance is a coverage for damages, losses or injuries that may be inflicted upon another party as a result of the actions of the hunting club. The basic form to provide liability to hunting clubs is a commercial general liability policy (CGL).

CGL coverage will protect your hunting club in the event that they are sued. CGL coverage for hunting clubs is designed to protect against claims of bodily injury or property damage.

The following Limits apply to The Louisiana Forestry Associations hunting club policy.

Commercial General Liability Insurance

• Limits of Liability – Per Hunting Club
  • $1,000,000 Per Occurrence - Bodily Injury and Property Damage
  • $2,000,000 Aggregate
  • $1,000,000 Products and Completed Operations
  • $Excluded Personal and Advertising Injury
• Damage to Premises Rented To You - (Fire Legal Liability)- $100,000
• Damage to Premises Rented To You - (Fire Legal Liability)- $100,000
• Premises Medical Payments $1,000 – Includes Club Members & Guests

What Commercial General Liability Insurance Covers

A CGL insurance policy will usually cover the costs of your legal defense and will pay on your behalf all damages if you are found liable—up to the limits of your policy. CGL coverage is one of the most important insurance products, due to the negative impact that a lawsuit can have on a hunting club and their members.

There are four main types of coverage in a standard Commercial General Liability (CGL) policy: (1) Bodily Injury and Property Damage Liability, (2) Personal Injury Liability, (3) non-liability Medical Payments, and (4) Fire damage to rented and unrented premises.

Coverage 1: Bodily Injury and Property Damage Liability

Bodily injury and property damage coverage provides protection against losses from the legal liability of hunting clubs and their members for bodily injury or property damage to others arising out of negligent acts or for liability arising out of their premises or hunting club operations.

Bodily Injury and Property Damage Liability is for your hunting club and members should they cause physical injury or property damage to a 3rd party, and could be held legally responsible. If you are held legally responsible you may be required to pay compensatory damages. Compensatory damages are damages designed to compensate the victim of a loss and return things back the way they were (financially) prior to the injury or damage.

Coverage 2: Personal and Advertising Injury- excluded from hunting club policies.

Personal Injury Liability is generally excluded from hunting club and timberland liability policies. The phrase ‘personal injury’ can be confusing because the insurance definition is quite different than the everyday application of the phrase. While most people associate ‘personal injury’ with physical injury this is not the case within a CGL policy. In a CGL policy, ‘personal injury’ means the damage of a person’s character, reputation and position in the community as a result of libel (in print) or slander (verbal defamation). Personal and advertising injury generally arises out of certain offenses such as; libel, slander, false arrest, malicious prosecution, wrongful eviction or invasion of privacy. This coverage is excluded from a hunting club policy.

Coverage 3: Non-Liability Medical Payments

The purpose of this portion of your CGL policy is to provide coverage that pays someone’s minor medical expenses resulting from an accident that happens at your hunting clubs premises or as a result of your hunting club’s operations. Even though you may never be held legally liable for the accident, this coverage is often used as a way to avoid a costly lawsuit. This coverage is unrelated to the Bodily Injury/Property Damage Coverage 1, as it is not necessary to establish legal liability for the injury.

Coverage 4: Damage to Rented or Unrented Premises

The purpose of this coverage is to provide Tenants’ Legal Liability (for those who rent or lease their hunting club property). If you are held legally responsible for causing a fire, explosion, smoke damage, or other damages, then this coverage will pay the compensatory damages incurred. This applies only to damages of the rented premises and/or adjacent land – not the property that you may personally own.