Hi Guys - I thought I better come in on this one so folks are clear about our SACS insurance - I agree fuly that it's vital to know exactly what yu are covered for. I can only speak for the SACS insurance, none of the others.
Our membership insurance is for country
sports, not business insurance, so it will cover anything you do for
pleasure or related to that, so if you stalk for sport, for example, it covers anything in connection with that including things like problems caused by your dog, selling the venison to a dealer and so on (as well as the legal fees if your local polis try to get creative with your FAC or if you are charged with an alleged offence.)
It would also cover humane despatch if that happens by chance, and taking deer numbers down if you do it for free but get the stalking free as a result and similar arrangements which are all part of the normal country way of life.
It will
not cover contract stalking, which is employment, not sport, or any kind of stalking or deer management
business except sporting agents who take clients out as described earlier in the thread where both the agent and the client are SACS members because of the way we arrange this.
If you enter into a contract to cull deer, there is a whole raft of extra legislation coveing compulsory H & S, equipment use and so on - what you need is called a business/combined policy which will cover your larder, vehicles and equipment as well as you and your employees - the companies mentioned in the thread do it, and I think the NFU do a policy as well - I have referred a number of members to them and no one ever came back and said they didn't. (Fingers crossed here....)
Incidentally, if you are running a stalking business, you SHOULD be claiming all of your travelling, equipment and subsistence costs as allowable expenses anyway - and you can get up to 80% of your vehicle costs
Hope that helps
Ian