If you run a shoot syndicate, own land and allow people to shoot on it as guests, let a shoot or shoot as a guest yourself elsewhere, then you need to make sure you have adequate covers.
Any event in which the public is invited onto private land is likely to require insurance and there are several areas to consider for an organised shoot:
Shoot Cancellation cover
Adverse weather conditions can often cause a shoot to be cancelled by the sporting company or landowner resulting in significant financial loss. Shoot Cancellation Insurance covers this but it must be arranged at least 14 days in advance of the shoot day. CLA Insurance policies also cover against organised disruption and can be extended to include Avian Influenza.
You need to ensure you are adequately protected against your legal liability at law, should you be found negligent for Third Party Property Damage or Bodily Injury. This can be split into three distinct areas:
As a Gun on a shoot, you could be held legally liable in the event of causing damage or injury to third party property. This insurance could already be covered under your home insurance when contents cover is provided or already be extended under any membership package such as BASC or Countryside Alliance, but it is important to check.
As a landowner, as soon as you invite someone onto your land you are saying it is suitable for the use. So if a stile is broken or there is a hole in the ground and someone is injured as a result, even if you are not running the shoot you could be found legally liable.
Landowners should be able to extend their Farm or Estate Public Liability to cover this eventuality.
If you have an in-hand shoot or guests shooting on your estate, it is advisable to have a member to member liability extension meaning the insurer considers individual members of your group to be insured. That way, your public liability policy insures the group as a whole, and your member to member liability extension insures group members as individuals when they injure other group members or damage their property.
If you have employees, you are legally required to purchase this insurance, which covers your liability for bodily injury or disease that employees may suffer in the course of their employment.
A shoot syndicate may need this for self-employed staff such as beaters, but if you run a shoot you should consider extending your Employers Liability cover to include any game keepers, self-employed beaters, loaders and picker-uppers.
There is a lot to consider and every business has different needs. It is wise to seek help from an expert so that every option can be assessed. Using a broker such as CLA Insurance who has an in-depth knowledge of the rural sector and can offer a wide choice of insurers is a sensible step to finding the best value and the best cover.
Speak with R K Harrison about your shoot insurance requirements.
Call 01234 311211 or visit www.rkhshootcancellation.com to obtain a Shoot Cancellation quote.