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Gun Club Insurance in Massachusetts

What is gun club insurance?

The activities of Massachusetts gun clubs come with inherent risk exposure, as property can be damaged and participants injured. Gun club insurance may help these organizations protect themselves from many of the risks that they face.

Gun club insurance is specialized commercial insurance for organizations that sponsor firearm activities. Policies typically come with property protections and substantial liability coverage.

What organizations in Massachusetts is sportsmans insurance for?

Most Massachusetts organizations that are involved in firearms activities should consider sportsman insurance. Organizations that provide funding and/or space for activities may need coverage.

Sportsmans insurance policies often are especially well-suited for organizations such as:

  • Hunting clubs
  • Shooting ranges
  • Trapshooting competitions
  • Skeet competitions
  • Corporate firearms sponsors
  • Archery organizations

Firearm manufacturers and other sponsors of gun events should also consider purchasing a sportsman policy if they sponsor any firearms events. If an accident occurs during an event, even the sponsors might be sued.

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What coverages do sportsmans insurance policies offer?

Sportsmans insurance policies typically provide multiple liability coverages along with commercial property coverage. Some of the more notable protections that these policies may provide are:

  • Commercial General Liability Coverage, which might cover common accidents occurring on a club’s property or during club activities
  • Firearms Liability Coverage, which might cover accidents involving firearms used during club activities
  • Legal Liability Coverage, which might cover attorney fees, court charges and penalties associated with certain lawsuits
  • Commercial Property Coverage, which might cover club facilities in the event of vandalism, theft or natural disaster

Do sportsmans insurance policies cover fishing activities?

Fishing clubs often have risk mitigation needs that are comparable to those of gun clubs, and fishing clubs might find that a sportsman policy is suitable for them too. Before purchasing a sportsmans policy, however, fishing clubs should check with an insurance agent who specializes in these policies to make sure that a policy indeed does provide the needed protections.

How much are premiums for gun club policies?

Premiums for gun club policies vary, but they’re usually much less than the potential cost of a firearm accident. A club’s location, size, activities and other factors often influence rates.

An independent insurance agent can help clubs check how much insurance will cost in their particular situation. Independent agents aren’t obligated to promote any one insurance company, and thus can help clubs compare policy options from multiple insurers in the state.

Why do gun clubs need liability coverage?

Liability coverages generally protect against instances where an organization (or person) is sued because another party is harmed or has their property damaged. Gun clubs often face at least a few liability risks.

Someone could slip and fall on a club’s property, being injured during the fall. This is a risk that most businesses and organizations face, and it’s one that general liability coverage normally protects against.

If a volunteer or employee causes a firearm accident, the club might be sued because the person is acting within their normal duties for the club. The club could be deemed fully or partially liable for the incident, depending on specifics.

If an event attendee causes a firearm accident during club activities, both the individual and the club may be sued. Even if the club is ultimately exonerated from liability, simply defending against such a lawsuit can be expensive.

Where can clubs in Massachusetts get assistance with finding gun club insurance?

For help insuring a gun club that’s located within Massachusetts, contact the independent insurance agents at Roger Butler Insurance. Our agents can help you request quotes from several insurance companies, and we have the expertise necessary to help you select the best gun club insurance for your organization.

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