Page 21 - Tree Line - North Carolina Forestry Association - Second Quarter 2023

INSURANCE UPDATE
APPLY ONLINE
NCFA’s Hunting Lease
Liability Insurance Program
The NCFA’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 listed on page 25 under Category 10. The annual membership fee for hunt clubs is $85 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.
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. See page 24. The insurance premium, which is calculated on a sliding scale, must be made out to Assured Partners in a separate check/money order and mailed to them directly. See page 20 for the insurance application. (Or you can purchase online through their website at www.apoutdoorinsurance.com.)
Hunting Lease Liability Insurance Highlights
WHO IS COVERED?
The hunt club (including its members and guests) and landowner leasing the land are considered named insureds on the policy.
WHAT IS COVERED?
Liability claims arising from the activities and operations of the hunt club. Liability claims include allegations of bodily injury or property damage due to the insured’s negligence.
WHAT ARE THE ELIGIBILITY REQUIREMENTS?
The hunt club and landowner must be members in good standing with the NCFA, and a written hunt lease must exist between the hunt club and landowner. A completed insurance application and premium payment are required to bind coverage each year. Visit www.apoutdoorinsurance. com to apply and pay online. (Paper applications available upon request.)
WHEN IS THE COVERAGE EFFECTIVE?
August 1 – August 1. If applying mid-term, the policy expires on the master policy expiration date regardless of when coverage is purchased. Premiums are not pro-rated and pol- icies are fully earned and non-refundable upon inception.
WHAT ARE THE COVERAGE LIMITS?
Each Occurrence.....................$1,000,000 or $2,000,000 General Aggregate ..................................... $2,000,000 Damage to Rented Premises..................................$100,000 Medical Payments .............................................$5,000
HOW MUCH DOES IT COST?
Quotes are based on the amount of leased acreage and the limit of coverage chosen ($1 million or $2 million). Get an instant quote online at www.apoutdoorinsurance.com.
If you are not sure whether you or your hunt club is a member of the NCFA, please call (919) 834-3943 to verify your membership.
ncforestry.org / SECOND QUARTER 2023 19