Gun Club Insurance in Massachusetts

What Is Gun Club Insurance?

Gun clubs are exposed to significant risks by the activities they sponsor. In addition to the common property and liability perils that almost any business faces, these clubs also may be held liable if there’s a serious firearm incident. Gun club insurance offers gun clubs located in Massachusetts with a variety of protections that can help mitigate both the common and the more particular risks that these clubs face.

Gun club insurance is a special form of commercial insurance that’s specifically for gun clubs and related organizations. Because these clubs normally face multiple risks, most gun club policies are package policies that contain multiple protections.

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What Massachusetts Organizations Need a Sportsman Insurance Policy?

In broad terms, almost any Massachusetts organization that sponsors firearm activities likely should have a sportsman insurance policy. This generally includes organizations that provide space, provide funding or otherwise are involved in these activities.

In particular, the following organizations probably should have sportsman insurance in place:

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

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Do Sportsman Insurance Policies Meet Fishing Clubs’ Needs?

Fishing clubs often have similar risk mitigation needs to those of gun clubs, and a sportsman insurance policy might adequately meet a fishing clubs’ specific needs. 

Before purchasing a sportsman policy, though, fishing clubs should speak with a specialized insurance agent. A specialized agent will be familiar with what sportsman policies offer, and they’ll know whether any other, similar policies are available. With the agent’s guidance, a fishing club can be sure that the policy the club purchases, whether it’s a sportsman or other policy, is well-suited for the club’s individual situation.

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Why Are Liability Protections Important for Gun Clubs?

Liability coverages typically protect an organization in certain situations where the organization could be held financially responsible for damage or harm. In the event of a covered incident, a liability coverage will usually help pay lawyer fees, court costs, and any settlement or judgement associated with the incident (up to a policy’s limit). Exactly what’s covered by a liability protection depends on that protection’s terms and conditions.

Almost every organization should likely have some liability protections in place, but these are especially important for gun clubs. Because gun club members use firearms at club events, the risk of a major accident occurring is substantial.

If a major accident does occur during a club’s events, the club might be held responsible for at least a couple of reasons.

First, employees and volunteers who are carrying out their routine duties are usually considered to be acting on their employer’s behalf. Should an employee or volunteer cause an accident, the employing organization may be held responsible because of the relationship between the organization and employee. In many cases, people will sue an organization more aggressively than an employee because the organization likely has more assets.

Second, an accident that’s caused by an attendee might also be pinned on a gun club. If the affected party can establish that the gun club was negligent in some way and that negligence contributed to the accident, then the club may be partially or fully liable. Even if negligence is never proven, a mere attempt to sue an organization can lead to expensive legal costs.

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How Can Gun Clubs in Massachusetts Get Gun Club Insurance?

For help insuring a gun club in Massachusetts, Scotti Insurance Agency. Our independent agents can compare policy options on multiple gun club insurance policies for you, and we have the expertise to help your club choose the best policy that meets its needs.

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