Gun clubs face some inherent risks, for a single mistake could have deadly consequences when people are handling firearms. Should something happen during a club-sponsored activity, both the persons involved and the club at large could potentially be held accountable. Gun club insurance policies help protect clubs in Massachusetts from several of the risks that they’re exposed to.
Gun club insurance is a particular type of commercial insurance that’s designed for gun clubs and similar organizations. Because these organizations normally face several risks, most gun club policies are package policies that have several coverages within them.
Generally speaking, any organization or business in Massachusetts that has members using firearms may benefit from the protections that sportsman insurance affords. For some examples, the following organizations might want or need this type of policy:
Gun manufacturers and gun retailers might also want a policy if they sponsor activities or events.
Some sportsman insurance policies are well-suited to also cover fishing groups, for anglers are often exposed to many of the same risks as hunters and firearm users. Not all sportsman policies will give a fishing group the protections it needs, however. For this reason, fishing groups should consult an insurance agent who specializes in sportsman policies before purchasing this type of insurance.
A knowledgeable insurance agent will be able to determine whether a sportsman policy will adequately cover a fishing group after reviewing the group’s risk exposure. The agent can help procure a sportsman policy if it is sufficient, and they can also likely assist with finding a different type of rod and gun club policy if necessary.
Simply put, gun clubs normally should have a gun club policy to help protect them from liability risks that come with operating firearms. In the event of a covered accident or other claim, a policy might help pay legal costs associated with any lawsuit and any settlement that’s ultimately arrived at.
To be more specific, however, there are a couple of situations that demonstrate why insurance is so important to gun clubs.
If an employee or official volunteer causes an accident during normal operations or an event, the club may be held responsible for any injury or property damage that results. An organization is often responsible for its employees and volunteers whenever they’re acting int heir normal course of duties, and that includes being responsible for any mistakes they make.
If an attendee or member causes an accident, the club may still be held responsible even if the individual is clearly responsible. Some claimants will come after an organization rather than an individual because the organization likely has more assets and can pay a higher settlement. Even if a club is ultimately absolved of responsibility, merely descending a club in court can cost a princely sum.
Working with an independent insurance agent is normally one of the best ways to save on insurance, because an independent insurance agent is able to show policy options from several insurers. This makes it easy to see what different insurers are charging for a given policy. A club can then choose the most affordable policy that provides all of the coverages the club needs.
Sometimes, clubs can also save on insurance by implementing risk-reduction measures. Locking ammunition and firearms up separately, for example, is a risk-reduction measure that might help net a premium reduction. This sort of discount might not be available from all insurers, but it’s worth asking an insurance agent about.
For help insuring a Massachusetts organization with gun club insurance, contact the independent insurance agents at The Feingold Companies. Our team has the expertise necessary to help you secure a policy that will protect your organization well, and they can help you get the best available policy regardless of what insurance company offers it.