Page 26 - North Carolina Forestry Association - Fall 2019

OPERATIONS UPDATES
NCFA’s Hunting Lease Liability Insurance Program
The North Carolina Forestry Association’s Hunting Lease Liability Insurance Policy for landowners and hunt clubs is designed to cover hunt club activities on any NCFA member’s land that is leased to a hunt club. The one-year policy goes into effect August 1 and expires August 1 of the following year. Land covered under the policy cannot be subleased and must be located in North Carolina, South Carolina or Virginia.
While the policy offers broad coverage, it is strictly hunting-lease liability insurance and does not take the place of liability insurance unrelated to leased hunting activities.
Each distinct owner of the land (whether the owner is an individual, partnership, trust, corporation or other) must maintain a membership in the NCFA and qualify for insurance coverage by filling out a separate application form.
Since the policy names both the landowner and the hunt club as insureds, each receives a certificate of insurance, and each must be a member
of the NCFA. The NCFA requires that both ownership and hunt club be represented by a person who has the legal authority to represent the ownership or hunt club. The NCFA annual membership fee for landowners is $50 for ownership of up to 500 acres plus $0.025 per acre for any acres above 500. The annual membership fee for hunt clubs is $75 per club. These fees provide a one-year membership in the NCFA and include all the benefits of membership. Both the hunt club and the landowner must be NCFA members in good standing to qualify for insurance. The insurance premium, which is calculated on a sliding scale, must be made out to the NCFA, but it must be in a separate check/money order.
Please include two separate checks/money orders: NCFA dues for landowners and hunt clubs must be made out to the NCFA and may be combined in one check/money order.
Hunting Lease Liability Insurance Highlights
• Underwrittenbyalicensedoutdoor-specialtyinsurer that is rated “excellent” by A.M. Best Company.
• $500deductibleperclaim.
• Both the landowner and hunt club are insured.
The coverage under this policy does not apply to “bodily injury,” “property damage,” “personal injury,” “advertising injury” or any injury, loss or damage arising out of an occurrence between two or more club members. Members include all active, inactive, auxiliary or national club rosters.
• Fire damage liability limit of $100,000 per fire helps protect the timberland owner from fire damage to leased premises due to hunting club negligence.
• Med Pay coverage of $5,000 is per person/per accident on hunt club members and their guests. Bodily injury must occur on the leased premises and be related to normal hunting club activities.
Each Occurrence General Aggregate Fire Damage Liability Med Pay
$1,000,000 $2,000,000 $100,000 $5,000
(Includes contractual liability and hunting club guest liabilities on a per-club basis.)
Due to the high volume of participants in this program, please allow at least 10 to 15 working days for proof of insurance. The hunt club and the landowner will receive a certificate.
If you are not sure whether you or your hunt club is a member of the NCFA, please call (919) 834-3943 or (800) 231-7723 to verify your membership.
24 ncforestry.org / THIRD QUARTER 2019