My brother is a specialist insurance underwriter and in a recent conversation about stalking, he took the view that anyone taking paying clients out stalking would need to have specialist commercial insurance - simply relying on the client having their own BASC / CA / NGO etc insurance would be asking for trouble, even in an area full of cash transactions and verbal agreements. He reckoned that an inadequately - or more accurately 'inappropriately insured' - insured stalker would be placed at serious risk of losing their livelihood - including their home potentially - if a client or clients family sued them in the event of some mishap. Obviously he's a professional pessimist but his remark chimes with my experience as a self-employed specialist consultant - my professional liability insurance costs £1500 a year and there are no guns, explosives or angry deer involved in that - it also takes a 40 page questionnaire each year to get cover.
I only take friends out on my ground but I occasionally help out a mate with guiding on ground I know well and I'm now slightly worried about being adequately protected. I've looked at what's available and there doesn't seem to be an 'off the peg' policy around - the BASC policy seems to indicate that it doesn't commercial liability cover, but I might be missing something, given that reading insurance policies is like taking Mogadon... I also spoke to the NFU after they were mentioned in another thread but they denied all knowledge of shooting-related insurance. I have friends who work as stalkers on estates in Scotland - they are covered by expensive professional liability policies and the stalking agreements are formal written contracts signed by the client.
Are policies like BASC's standard package deemed adequate - I notice most of the stalking adverts ask for this? If not, what other cover is out there and at what cost? Surely there would need to be some judgement on each stalker's professional experience (not much in my case )?