October 11, 2017
With deer season approaching, Alfa Insurance® reminds landowners to protect themselves from liability resulting from land they lease to others for hunting.
Danny Carter, manager of property and casualty underwriting for Alfa, said an inexpensive endorsement can give farmowners an added level of assurance when leasing land to hunting clubs.
“Farmowner policies already provide liability coverage for family members and friends, but when leasing land to a hunting club, landowners need to purchase this coverage through an endorsement to cover this risk,” Carter said. “Alabama has laws limiting landowner liability, but that doesn’t stop someone from filing a lawsuit — and legal fees can be expensive.”
Alfa’s Land Leased to Others for Hunting Clubs liability endorsement can provide protection up to $1 million. The cost is based on the number of clubs and the number of acres leased for hunting.
“We encourage all of our farmowner customers to talk to their local Alfa agent about their coverages,” Carter said. “We also have farmowner specialists who can review all farm activities, buildings and equipment to make sure the customer has the appropriate coverage. Sometimes we find farms are insuring machinery well above its value or have forgotten to add coverage for a new barn or shed.”
In 2011, the Alabama Farmers Federation helped secure passage of a law limiting liability of landowners who lease property for hunting and fishing. While the measure provides a safety net for farmers, the threat of lawsuits still exists.
Farmowners interested in adding an endorsement for land leased for hunting, should contact their local Alfa agent.