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Hunting season triggers liability

November 16, 2017
8:00 AM
717-795-9100 Ext. 606

Hunters fall into insurance coverage gap

Most hunters understand their own risk of an accident – mistakenly discharging a firearm, falling from a tree stand or tripping over debris. Yet few know about the insurance repercussions triggered by a fellow hunter’s injury.

For instance, if a hunter falls from a tree stand (increasingly common, according to the Pennsylvania Game Commission), the person or group who leased the land could be liable for the injuries or damages.

“Liability can become complicated with hunting accidents,” said Jason Ernest, Esq., president and CEO of Insurance Agents & Brokers (IA&B), a statewide trade association based in Upper Allen Township. “This is particularly true when someone leases land for hunting.”

“Without an endorsement to their homeowners’ policy or separate liability policy, they may not have coverage for their liability or the medical payments,” said Ernest. “An independent agent can help them determine their risks and coverage needs.”

Firearms deer season begins on Monday, Nov. 27 in Pennsylvania. To find a local independent insurance agent, visit

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