As commercial insurance brokers, understanding the unique needs of your clients is paramount. SWG Specialty offers comprehensive insurance coverage tailored specifically for Canadian hunting and fishing clubs. This article will delve into the key aspects of our coverage, highlighting the benefits and protections available to ensure these clubs can operate smoothly and securely.
Commercial General Liability (CGL)
CGL insurance is the cornerstone of coverage for hunting and fishing clubs. It safeguards against claims arising from bodily injury, property damage, and personal injury occurring on the premises or due to business operations.
Coverage Highlights:
- Bodily Injury & Property Damage: This covers legal liability if a guest is injured or their property is damaged.
- Premises & Operations Liability: Provides protection for accidents that happen on-site, such as slips, trips, and falls.
- Product & Completed Operations Liability: Offers coverage for food service, rented equipment, or guided tour services that may result in claims.
Property Insurance
Given the remote nature of many hunting and fishing lodges, property coverage is essential to protect structures, equipment, and assets from various risks.
Coverage Highlights:
- Building & Contents Coverage: Protects the lodge, cabins, outbuildings, and their contents against perils such as fire, theft, and vandalism.
- Equipment Coverage: Covers fishing gear, boats, ATVs, snowmobiles, and other essential equipment used for club operations.
- Business Interruption Insurance: Provides financial support if the lodge must temporarily close due to a covered peril.
Watercraft Liability
For clubs offering boats or fishing charters, watercraft liability is crucial. It covers liability for accidents involving club-owned vessels. SWG Specialty provides a watercraft liability extension for boats up to 26 feet, ensuring comprehensive protection for these activities. However, it’s important to note that property coverage for watercraft is not included.
SWG Specialty’s insurance offerings are designed to meet the specific needs of Canadian hunting and fishing clubs, providing robust protection and peace of mind. By understanding and leveraging these coverages, commercial insurance brokers can better serve their clients, ensuring they are well-protected against potential risks and liabilities.
Reach out to our team for more information.
